Here is a questions for those who have a 3 fund portfolio (ETF), with the parts defined as Dividend, Cornerstone, Growth

I am using $SCHD , $SPLG and (planning on using) $QQQM , respectively for the three parts! I am trying to have the following split 50/25/25.

How do you deal with also buying cash-flow stocks/ETF (like $JEPI , $JEPQ , $SPYI (-0,56 %) , $QQQI , $O (-0,83 %) , $MAIN (+0,01 %) etc.)?

If you are putting them in any of the existing parts, where do you put them? Dividend? Growth? Are you adjusting the splits or keep them the way they are?

If you are not adding them to the existing parts, will you adjust the split and add 10 or 20% (or whatever you chose) for these cash-flow securities?

That all might get more complicated since I am planning on only having these cash-flow securities for the next 1-2 years and then wean off and only keep a true 3 fund portfolio.

What do you think? I cannot be the only one thinking about this, right?!