VOO, QQQ, DIVO, SPYI, QQQI split 100,000 each, what is total net value and what percentage split offer optimal gain and distribution
9/28/2025 01:11am
### Fast Take 🎯
Putting **$100 k into _each_ of the five ETFs one year ago** would now be worth **≈ $585,445**, a gain of **$85,445 (+17.1 %)** once you count both price appreciation and cash distributions.
| ETF | Start Price (26-Sep-24) | End Price (26-Sep-25) | Price Return | TTM Yield | Total Return | End Value on $100 k | Net Profit |
|-----|-------------------------|-----------------------|--------------|-----------|--------------|---------------------|------------|
| VOO | $527.70 | $610.16 | +15.63 % | 1.14 % | **16.77 %** | $116,774 | $16,774 |
| QQQ | 489.47 | 595.97 | +21.76 % | 0.48 % | **22.24 %** | 122,242 | 22,242 |
| DIVO | 41.19 | 44.63 | + 8.36 % | 5.65 % | **14.01 %** | 114,010 | 14,010 |
| SPYI | 51.10 | 52.10 | + 1.96 % | 11.75 % | **13.71 %** | 113,708 | 13,708 |
| QQQI | 51.33 | 53.92 | + 5.04 % | 13.67 % | **18.71 %** | 118,711 | 18,711 |
| **Total** | – | – | – | – | **17.09 %** | **$585,445** | **$85,445** |
> Cash distributions (yields) made up ~40 % of the total profit—covered-call ETFs (SPYI, QQQI, DIVO) did the heavy lifting here, while growth ETFs (VOO, QQQ) drove most of the capital gain.
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## What’s the “Optimal” Split? 🤔
“Optimal” depends on whether you want to **maximise total return**, **maximise cash yield**, or **strike a balance**. Using the past year’s data as a guide, three illustrative mixes emerge:
| Strategy | VOO | QQQ | DIVO | SPYI | QQQI | Portfolio Yield | Price Gain | **Total Return** |
|----------|-----|-----|------|------|------|-----------------|------------|------------------|
| Growth-Tilt | 30 % | 40 % | 10 % | 5 % | 15 % | 3.74 % | 15.09 % | **18.82 %** |
| Income-Tilt | 10 % | 5 % | 20 % | 25 % | 40 % | **9.67 %** | 6.83 % | 16.50 % |
| Balanced | 20 % | 25 % | 15 % | 15 % | 25 % | 6.38 % | 11.38 % | 17.75 % |
Key take-aways
1. **Highest total gain:** The Growth-Tilt mix produced the best overall return (≈ 18.8 %) thanks to a bigger slug of QQQ and VOO.
2. **Highest cash flow:** The Income-Tilt mix more than doubles the portfolio yield (≈ 9.7 %) but gives up ~2.3 ppts of total return.
3. **Middle ground:** The Balanced blend lands between the two on both growth and income.
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### Putting It All Together 🧩
• If your priority is **compounding wealth quickly**, lean toward the Growth-Tilt weights and reinvest the modest dividends.
• If you need **larger, dependable distributions** to fund living expenses, the Income-Tilt approach is the clear winner.
• For many investors, the Balanced mix offers a sweet-spot: respectable upside with an above-market 6 % yield.
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### Next Step for You 🗺️
To dial this in, it helps to know **how much of your $70 k annual profit target must come from cash income vs. capital appreciation**.
🗣️ **Would you prefer steady income today, maximum long-term growth, or a bit of both?** Your answer will point us to the split that’s truly “optimal” for _you_. 😊
