Raise Your Retirement Income With Up To 8% Yield
- High Dividend Opportunities
- 20 hours ago
- 4 min read
As we age, our needs shrink — smaller homes, lighter lifestyles, and fewer daily expenses. Yet costs never shrink; inflation, healthcare, and unexpected expenses keep growing. For many retirees, this creates a harsh reality: a declining quality of life alongside rising financial pressure.
Relying solely on traditional drawdown strategies, like the 4% rule, can feel like a race against time. Every year, a portion of savings disappears, and market swings can make the path even more uncertain.
At High Dividend Opportunities, we take a different approach. Our Income Method focuses on building a portfolio of reliable, income-generating assets that produce steady cash flows regardless of market volatility. Today, we highlight two well-managed income vehicles that deliver strong monthly payouts — helping investors navigate retirement with confidence, stability, and peace of mind.
Pick 1: EIPI – Yield 7.5%
FT Energy Income Partners Enhanced Income ETF (EIPI) presents a deeply diversified portfolio that maintains 69% of its investments in natural gas, crude oil, and petrochemical production and transmission companies – the lifelines of the American economy. Source
EIPI website
EIPI holds 93 companies and also focuses on electric power and transmission, as well as other energy-related investments, representing a fund that invests in infrastructure critical to the American economy. With higher energy requirements for data centers that power AI technologies, these companies will continue to enjoy long-term contracts and predictable revenues for the foreseeable future. Approximately 24% of EIPI’s invested assets are in MLPs, enabling investors to benefit from the operations and asset ownership of these strong companies, while avoiding the complexities associated with Schedule K-1.
This ETF has $902 million in assets under management, and actively manages its portfolio, including the pursuit of covered calls to supplement the income from its dividend-paying holdings. EIPI writes options on about half its portfolio, and these options last ~39 days on average, and are written for prices ~4.22% above, allowing room for modest gains. Altogether, this strategy enhances the income that EIPI generates, allowing a greater cushion for the dividend payments.
We expect EIPI’s dividend consistency to continue, backed by assets that benefit from the higher focus on energy independence and the rapid proliferation of power-hungry data centers.
Pick 2: SYF Preferreds – Up To 8% Yields
Synchrony Financial (SYF) is the largest issuer of store-branded credit cards in the U.S.These typically carry lower credit limits, and interest rates in the 28% to 33% range. The bank reported 68 million average active accounts at the end of Q2, and $46 billion in purchase volume, almost flat YoY. During Q2, SYF established new partnerships with Amazon, PayPal, and Walmart, positioning the bank for loan growth and technology expansion.
SYF’s provision for credit losses fell by ~32% to $1.1 billion, reducing drag on profitability. The bank returned $614 million in capital to shareholders, comprising $500 million in share repurchases and $114 million in common stock dividends. SYF’s common stock dividend enjoys a comfortable ~13% payout ratio, and has experienced annual payout growth since 2016. Notably, SYF has reduced the number of outstanding shares by ~55% over the past nine years, while growing its dividend at a 9.7% CAGR during the timeframe. Since the common stock offers a very low yield, we look higher in the capital structure for a sizeable income stream, backed by a well-managed business.
During the 1H 2025, SYF spent $42 million on preferred stock dividends, compared to $1.7 billion in net earnings. For the full year 2025, management reaffirmed net revenue guidance of $15.0–$15.3 billion, and analysts expect adj. EPS of $8.60/share, providing comfortable coverage for its preferreds. We will find that the fixed-rate SYF-A currently offers an attractive 7.1% yield and ~27% upside to par.
For those seeking floating-rate yields, the 8% yielding SYF-B trades modestly above par and isn’t callable for another four years. This preferred floats at a generous rate of 5-Year U.S. Treasury Rate + 4.044%, if unredeemed after its call date.
Conclusion
Selling investments to fund your lifestyle leaves you exposed to market swings, inflation, and rising costs. At High Dividend Opportunities, we don’t rely on the generosity of the markets for the quality and longevity of our retirement.
Instead, we rely on the cash-producing power of our portfolio, which is invested in a deeply diversified portfolio of income-generating assets. This approach provides a better path, with less reliance on market timing. Most importantly, it sets up a portfolio that continues to passively work for you in sickness and in health. A disciplined income-focused approach helps maintain financial stability, support your lifestyle, and leave a lasting legacy. This is the beauty of our Income Method, and the power of income investing.
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