Peter Pru Podcast Show

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VGT and QQQ get treated like the same fund with different tickers — but they answer completely different questions about how to own tech, and the differences in what they actually hold, what they cost, and how they have performed over 10 years matter more than most people realize before making that decision. This video breaks down the full comparison across 10-year returns, maximum drawdown history, expense ratios, Sharpe ratio, and liquidity — including why VGT has outperformed QQQ by roughly three and a half to four percentage points annually at half the cost, and why the companies QQQ includes that VGT does not is really the core of the entire decision.

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There is a clear winner in the 10-year total return race between VOO, QQQ, and SCHD — but the winner changes completely depending on whether you are measuring total return, risk-adjusted return, monthly income, or 2026 year-to-date performance, and that distinction is exactly what most comparisons skip entirely. This video breaks down all four scoreboards with real numbers, including the 2026 data point that has SCHD beating both QQQ and VOO by a wide margin this year, and why the income picture at year 10 looks almost nothing like what the total return numbers suggest it should.

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DIVO has outperformed SCHD by more than two percentage points annually over the past five years — but that number only tells part of the story when you factor in a 9X higher expense ratio, a fundamentally different income structure, and the 2026 market rotation that has SCHD running circles around DIVO over the past year. This video breaks down both funds across total return, current yield, dividend growth predictability, downside protection, and cost efficiency so you can see exactly which one fits your actual timeline and income goal. Neither fund wins across every dimension — the right answer depends entirely on whether you need income now or are building toward a growing income stream over decades.

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The 90% win rate gets thrown around constantly in options content but almost nobody explains what it actually means — it is a probability built into the strike you select, not a guarantee that you will be profitable 90% of the time, and that distinction explains why some people run this strategy successfully for years while others blow up an account doing the exact same thing. This video breaks down where the 90% win rate actually comes from, why a high win rate by itself tells you nothing about profitability without understanding expectancy, and the three conditions that have to be in place consistently for the math to actually work in your favor. The win rate handles itself when the underlying setup is right — quality stock, appropriate premium, and disciplined management of the assignments that do occur.

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Seven years of holding SCHD taught me that the most important thing about building real wealth has almost nothing to do with yield, dividend growth rate, or how the fund compares to VOO on a backtest — it is that durable wealth is built in the years that feel like absolutely nothing is happening, and most people quit before they ever find out. This video covers four honest lessons from seven years of holding a boring dividend ETF, including why dividend growth matters far more than current yield, why the years that feel empty are actually the most productive, and why market pullbacks are not warnings but the cheapest entry points on the same growing income stream. The fund is almost secondary to the mindset required to let the process actually run long enough for compounding to reveal itself.

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For years I held quality stocks that went completely sideways and collected almost nothing while the same position had five separate income opportunities sitting inside it that I was completely ignoring. This video breaks down the ARK strategy — five layers of income from one quality position including getting paid to wait before you own the stock, interest on your collateral, monthly covered call premium, the dividend, and appreciation at exit — and why a flat market is not a waiting room for this approach, it is just the workplace. The stock does not have to go up for this to work — it just requires running the process correctly on a quality underlying, through any market condition.

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FDVV has outperformed SCHD by more than 4% per year over the past five years — but when you run the full 10-year math on $100,000 in each fund, including dividend growth, income at year 10, expense ratio drag, and drawdown risk, the comparison gets a lot more interesting than the headline number suggests. This video breaks down exactly what each fund is actually betting on, why SCHD is producing nearly identical income at year 10 despite starting at a lower yield, and why the 2026 data has flipped the five-year trend completely. The right answer depends entirely on what role the position is playing in your portfolio and whether you want tech concentration working for you or not.

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Most people ask how much they need to start the wheel strategy — the better question is how much they need to start it correctly, with a quality stock, a real reserve, and enough capital left over to absorb a bad outcome without freezing the entire account. This video breaks down the honest capital thresholds from the $2,500 technical minimum to the $5,000 to $7,500 functional floor where the strategy actually becomes workable, and explains exactly why the reserve is not optional — it is the difference between a bad quarter and a complete disaster. The account size changes the income — the process and the discipline are identical whether you are starting with $5,000 or scaling past $50,000.

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Most people assume you need a million dollars to live off investment income — but that assumption is built around 1 to 3 percent dividend yields, and a generation of covered call ETFs has completely changed that math. This video breaks down exactly how much capital JEPI, JEPQ, SPYI, and QQQI require to generate $2,000, $3,000, and $4,000 per month at current yields, why the tax treatment changes which fund belongs in which account, and why NAV sustainability is the honest question most people skip before building an income plan around these funds. The income is real, the variability is real, and the math works — as long as you plan around the average and not a fixed payment that was never guaranteed.

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There is a specific share count with SCHD where the position stops feeling like something you are building and starts feeling like something that is actually working — and that number is 1,500 shares. This video breaks down exactly what 1,500 shares produces today in dividend income, what the covered call layer adds on top of that, and what the same position looks like in 10 years if the dividend continues growing at its current rate. The timeline to get there depends entirely on your contribution rate, and this video shows you the math at every level.