Where to Invest $1M for Monthly Income
If you’re managing seven figures in liquid capital, 2025 is not the year to settle for 4% bond yields. Monthly income is possible—real income, not theoretical “total return.” With the right structure, covered call ETFs, equity-linked notes, and even staking strategies can generate predictable payouts, all without sacrificing control. Here's how accredited investors are actually deploying $1M right now.
Core Strategies to Engineer Monthly Income
These equity income funds generate yield by selling call options on blue-chip indexes or stocks. Think JEPI, QYLD, XYLD. Monthly distributions often exceed 8% annually, and because they’re liquid ETFs, reallocating is simple. We use them as the backbone of cash flow portfolios.
Structured notes built with defined downside protection and fixed coupon targets. We engineer ELNs through top-tier banks with 6–18 month durations. Typical terms: 95% principal protection, 8–12% fixed yield, and underlying exposure to major indices or ETFs. These are Reg D instruments, not shelf products.
For digital-native or risk-tolerant investors, ETH and stablecoin staking can yield 4–9% APY with weekly liquidity. We incorporate staking only through regulated custodians and never as a core allocation—always a tactical play.
Sample $1M Allocation for Monthly Income
| Strategy | Allocation | Target Yield (Annualized) | Liquidity | Role in Portfolio |
|---|---|---|---|---|
| Covered Call ETFs | $500,000 | 7–9% | Daily (ETFs) | Core cash-flow engine |
| Equity-Linked Notes (ELNs) | $400,000 | 8–12% | 6–18 months | High-yield structured tranche |
| Crypto Staking | $100,000 | 4–9% | Weekly | Optional tactical satellite |
How Monthly Income Is Structured and Paid
Covered call ETFs distribute option premium income monthly—typically as qualified dividends. Structured notes pay fixed coupons or range accruals, depending on market performance. Staking yields are distributed through validators or institutional custodians, depending on network and custody solution. FG Capital Advisors blends these streams to build real monthly income across multiple timelines.
Regulation D and Access to Structured Yield
Equity-linked notes and customized fixed income instruments fall under Reg D Rule 506(c). That means we only accept accredited investors, and we verify income or net worth before participation. These aren’t mutual funds or mass-market ETFs. They’re structured yield notes issued by major banks and distributed through our advisory platform. Full disclosures, performance ranges, and risk scenarios are provided before allocation.
Deployment Timeline: What Happens After You Commit Capital
We send you current covered call allocations, ELN term sheets, and sample staking configurations.
We align your liquidity needs, drawdown tolerance, and yield goals to determine weightings.
Accreditation is verified via third-party or documentation. We comply with Reg D requirements.
Capital is allocated across ETFs, structured notes, and staking nodes. Positions begin yielding in the same month.
Income is aggregated and paid out monthly or reinvested based on your instruction.
You’ll receive performance reporting, market updates, and tactical rebalancing opportunities quarterly.
Strategic Insight: If you’ve got capital parked in low-yield assets, now’s the time to reframe how income is built. Covered call ETFs, structured notes, and crypto staking aren’t trends — they’re the tools your private bank never explained. FG Capital Advisors uses them to build real income portfolios for accredited investors. If you’re ready to see how that works, we’ll show you.
