🧩 Diversified Monthly Income Portfolio Framework

1. Core REIT Holdings (Stable Payers)

These form the backbone of reliability.

  • Realty Income (O) – Long-term dividend reputation in retail/commercial sector.
  • STAG Industrial (STAG) – Industrial exposure with consistent payout.
  • LTC Properties (LTC) – Senior housing play, adds demographic diversification.

2. High-Yield Mortgage REITs (Tactical Layer)

Riskier, but boost monthly yield.

  • AGNC Investment (AGNC) – High yield, sensitive to interest rates
  • Ellington Residential (EARN) – Adds another stream, albeit more volatile.

3. Experiential & Lodging REITs (Growth + Income Hybrid)

Some growth potential with experiential plays.

  • EPR Properties (EPR) – Entertainment, cinemas, ski resorts.
  • Apple Hospitality (APLE) – Hotel real estate with a resilient model.

4. Complementary Monthly Income Instruments

To reduce REIT-specific risk and add asset class variety:

  • Monthly Dividend ETFs — Examples:
    • Global X SuperDividend® U.S. ETF (DIV)
    • Invesco S&P 500 High Dividend Low Volatility ETF (SPHD)
  • Preferred Shares & CEFs — Some pay monthly and offer broader exposure

🎯 Strategic Considerations

  • Reinvestment vs Withdrawal — Will you reinvest dividends or use them for living expenses?
  • Tax Efficiency — Consider placing higher-tax REITs in tax-advantaged accounts.
  • Stop-Loss Discipline — Particularly useful for mortgage REITs with rate sensitivity.
  • Monthly Calendar Rotation — Align ex-dividend dates for smoother monthly cash flow
  • Co Pilot