u/rfish4

All of the funds below are currently passing the health check, sorted by issuer (data pulled this morning). TTM yield is the Headline Yield -- total distributions paid over the last 12 months divided by current price. Price Return 1Y is price change only, distributions not included.

Amplify (4 Healthy)

HCOW -- 11.83% TTM | +8.85% price 1Y

QDVO -- 10.67% TTM | +3.91% price 1Y

DIVO -- 4.67% TTM | +12.45% price 1Y

IDVO -- 5.92% TTM | +20.17% price 1Y

Calamos (2 Healthy)

CAIE -- 13.85% TTM | +2.03% price 1Y

CAIQ -- 17.66% TTM | +1.69% price 1Y

Defiance (1 Healthy)

QQQT -- 19.32% TTM | -0.93% price 1Y

Fidelity (1 Healthy)

FDHY -- 6.46% TTM | +0.25% price 1Y

First Trust (2 Healthy)

KNG -- 8.36% TTM | +3.17% price 1Y

RDVI -- 8.26% TTM | +17.99% price 1Y

Global X (13 Healthy)

XRMI -- 11.92% TTM | -1.05% price 1Y

QRMI -- 11.73% TTM | -2.77% price 1Y

RYLD -- 11.74% TTM | +10.06% price 1Y

XYLD -- 11.78% TTM | +7.43% price 1Y

RYLG -- 6.94% TTM | +15.24% price 1Y

DJIA -- 6.53% TTM | +6.02% price 1Y

TYLG -- 11.50% TTM | +21.64% price 1Y

SDIV -- 8.79% TTM | +5.18% price 1Y

SRET -- 9.83% TTM | +4.63% price 1Y

QYLD -- 11.70% TTM | +9.05% price 1Y

DIV -- 6.49% TTM | +11.80% price 1Y

ALTY -- 7.68% TTM | +5.69% price 1Y

MLPD -- 11.89% TTM | +1.32% price 1Y

Goldman Sachs (2 Healthy)

GPIQ -- 10.26% TTM | +11.54% price 1Y

GPIX -- 8.37% TTM | +10.15% price 1Y

GraniteShares (1 Healthy)

HIPS -- 10.94% TTM | -2.92% price 1Y

InfraCap (1 Healthy)

ICAP -- 10.34% TTM | +7.61% price 1Y

Innovator (1 Healthy)

SPUT -- 3.32% TTM | +7.84% price 1Y

Invesco (7 Healthy)

XSHD -- 4.09% TTM | +8.01% price 1Y

SPHD -- 4.86% TTM | +9.75% price 1Y

PEY -- 4.64% TTM | +19.31% price 1Y

BSJQ -- 5.24% TTM | -1.50% price 1Y

KBWY -- 8.05% TTM | +16.24% price 1Y

PBP -- 9.61% TTM | +6.80% price 1Y

KGLD -- (Kurv, not Invesco -- moved below)

iShares / BlackRock (6 Healthy)

BALI -- 6.51% TTM | +12.80% price 1Y

SHYG -- 6.98% TTM | -1.86% price 1Y

EMHY -- 6.66% TTM | +1.80% price 1Y

HDV -- 1.18% TTM | +22.25% price 1Y

EMB -- 5.24% TTM | +0.75% price 1Y

BALI -- already listed above

J.P. Morgan (5 Healthy)

JEPQ -- 14.12% TTM | +7.29% price 1Y

JEPI -- 7.61% TTM | +1.92% price 1Y

ROCQ -- 15.30% TTM | +11.07% price 1Y

ROCY -- 6.61% TTM | +10.48% price 1Y

Kurv (5 Healthy)

GOOP -- 14.76% TTM | +23.24% price 1Y

AAPY -- 11.53% TTM | +12.01% price 1Y

KGLD -- 15.16% TTM | +10.66% price 1Y

KQQQ -- 14.60% TTM | +0.17% price 1Y

KYLD -- 24.37% TTM | -2.60% price 1Y

NEOS (12 Healthy)

QQQI -- 13.83% TTM | +2.49% price 1Y

IWMI -- 14.11% TTM | +12.49% price 1Y

SPYI -- 11.77% TTM | +4.40% price 1Y

MLPI -- 14.74% TTM | +10.13% price 1Y

IYRI -- 10.96% TTM | -0.52% price 1Y

NIHI -- 9.64% TTM | +3.40% price 1Y

QQQH -- 8.82% TTM | +1.65% price 1Y

SPYH -- 7.63% TTM | +5.46% price 1Y

CSHI -- 5.00% TTM | -0.42% price 1Y

IAUI -- 11.34% TTM | +4.55% price 1Y

XSPI -- 16.78% TTM | +0.93% price 1Y

XQQI -- 20.06% TTM | 0.00% price 1Y

NestYield (1 Healthy)

EGGQ -- 9.06% TTM | +14.94% price 1Y

Overlay Shares (4 Healthy)

OVL -- 10.14% TTM | +14.77% price 1Y

OVS -- 10.33% TTM | +22.99% price 1Y

OVM -- 5.11% TTM | +1.95% price 1Y

OVF -- 10.16% TTM | +13.19% price 1Y

ProShares (2 Healthy)

IQQQ -- 5.92% TTM | +14.18% price 1Y

ISPY -- 6.00% TTM | +10.86% price 1Y

Roundhill (4 Healthy)

AMDW -- 68.68% TTM | +55.12% price 1Y

AAPW -- 30.71% TTM | +1.84% price 1Y

GOOW -- 33.06% TTM | +17.66% price 1Y

XPAY -- 20.36% TTM | -2.51% price 1Y

Simplify (3 Healthy)

XV -- 14.45% TTM | -7.06% price 1Y

SBAR -- 11.61% TTM | -2.01% price 1Y

SPUC -- 11.49% TTM | +5.30% price 1Y

State Street (6 Healthy)

XLEI -- 16.56% TTM | +14.23% price 1Y

XLKI -- 19.69% TTM | +4.48% price 1Y

XLRI -- 8.28% TTM | -4.58% price 1Y

XLBI -- 11.55% TTM | -2.43% price 1Y

XLII -- 13.71% TTM | +6.59% price 1Y

XLVI -- 9.72% TTM | +8.45% price 1Y

STF (1 Healthy)

TUGN -- 11.97% TTM | +9.43% price 1Y

Virtus (1 Healthy)

AMZA -- 8.01% TTM | +20.35% price 1Y

Westwood (1 Healthy)

MDST -- 9.01% TTM | +13.74% price 1Y

YieldMax (9 Healthy)

AMDY -- 65.33% TTM | -0.09% price 1Y

TSMY -- 41.00% TTM | -3.25% price 1Y

XOMO -- 40.14% TTM | -2.37% price 1Y

JPO -- 31.09% TTM | -3.81% price 1Y

CHPY -- 40.89% TTM | +29.21% price 1Y

RNTY -- 12.18% TTM | -0.58% price 1Y

BIGY -- 12.00% TTM | +2.21% price 1Y

SOXY -- 11.64% TTM | +73.43% price 1Y

YSPC -- N/A TTM | +2.13% YTD

A few things worth noting from the full list:

SOXY from YieldMax is the standout price performer, +73.43% in price over the last year while staying Healthy with a 10-year Death Clock. AMDW from Roundhill is close behind at +55.12%.

NEOS has 12 Healthy funds -- the most of any issuer. Goldman Sachs and J.P. Morgan remain 100% Healthy across all their tracked funds.

Global X has 13 Healthy funds but that's out of a much larger lineup -- their overall health rate is around 72%.

YieldMax has 9 Healthy out of 60 total funds tracked -- the 9 listed above are the ones currently passing. The other 51 are not.

Headline yield is what the fund actually paid over the last 12 months. For True Income Yield -- what's left after stripping out return of capital -- search any of these on YieldCanary. For transparency, YieldCanary calculates ROC based on performance data, not actual 19a-1 filings. We are incorporating 19a-1 filings into the platform soon.

Which issuer's Healthy lineup surprises you most?

Every fund on this list has near-zero return of capital meaning every dollar distributed is real earned income -- not your own principal being handed back. All 5 are currently Healthy on YieldCanary.

GPIQ (30% -- $43,636)
762 shares @ $57.24 | $297/mo after tax
9.95% true yield | 0% ROC | Nasdaq-100 | Monthly

GPIX (25% -- $36,364)
645 shares @ $56.37 | $190/mo after tax
8.05% true yield | 0% ROC | S&P 500 | Monthly

QDVO (20% -- $29,091)
970 shares @ $29.96 | $193/mo after tax
10.25% true yield | 3.57% ROC | Diversified dividend | Monthly

GOOP (15% -- $21,818)
599 shares @ $36.40 | $202/mo after tax
13.55% true yield | 0% ROC | Google exposure | Monthly

SOXY (10% -- $14,545)
153 shares @ $94.77 | $119/mo after tax
10.14% true yield | 0% ROC | Semiconductors | Monthly

Total invested: $145,340
Monthly after tax (25%): $1,001/month
Annual after tax: $12,011/year
Weighted true income yield: 10.09%
Weighted price return 1Y: +21.01%

Every fund here has 0% or near-zero ROC -- meaning True Income Yield and Headline Yield are nearly identical across the portfolio. No return of capital confusion, no cost basis tracking complexity, no yield traps.

GPIQ and GPIX from Goldman Sachs anchor the portfolio at 55% combined -- $10.6B in combined AUM, one covering Nasdaq-100 and one covering S&P 500. Two different indexes from the same institutional issuer gives you broad market coverage.

QDVO adds diversified dividend exposure -- the only fund in the portfolio not concentrated in a single index or company.

GOOP at +35.36% price return over the last year alongside 13.55% true yield is the standout. Google exposure with clean income and positive price appreciation.

SOXY at +77.14% price return is the biggest mover -- the semiconductor basket generating real income while the underlying position has nearly doubled in price. Kept at 10% given the smaller AUM.

The one flag worth knowing: GOOP at $29M AUM and SOXY at $69M AUM are smaller than ideal for a core portfolio.

Connecting your income ETF investing to real expenses you actually pay every month is one of the most motivating ways to think about building a portfolio. Here's exactly what it takes using a blended mix of Healthy large-AUM income ETFs at a 1.38% monthly spendable cash yield after taxes (25% tax withholding).

Streaming subscriptions -- $50/month
Invested needed: $3,623

Electric bill -- $175/month
Invested needed: $12,681

Grocery run -- $300/month
Invested needed: $21,739

Car payment -- $600/month
Invested needed: $43,478

Rent -- $1,200/month
Invested needed: $86,957

Mortgage -- $3,000/month
Invested needed: $217,391

Replace a full salary -- $7,500/month
Invested needed: $543,379

The salary replacement portfolio -- $543,378 invested, $7,520/month after tax:

CHPY (25%) -- 1,925 shares | $4,298/mo | 28.05% true yield
JEPQ (25%) -- 2,276 shares | $1,087/mo | 10.99% true yield
SPYI (20%) -- 2,006 shares | $797/mo | 11.68% true yield
QQQI (20%) -- 1,970 shares | $938/mo | 13.90% true yield
RYLD (10%) -- 3,330 shares | $401/mo | 11.43% true yield

Total invested: $543,379 | Monthly after tax: $7,520 | Annual after tax: $90,245

One important note: funds like SPYI and QQQI carry the Tax-Efficient ROC badge on YieldCanary. Their distributions may be tax-deferred rather than ordinary income -- meaning the 25% flat tax rate applied here likely overstates what you'd actually owe. The real after-tax numbers for those funds could be meaningfully higher. Consult a tax advisor for your specific situation. We're working on an update that will better calculate taxes for funds like SPYI.

Numbers based on last month's actual distributions at a 25% flat tax rate.

Anyone else think about investing like this?

You can now see every upcoming distribution date for the funds in your portfolio laid out on a calendar -- color coded by health status, with estimated dollar amounts based on your actual share count.

What it shows:

• Every fund in your portfolio mapped to its expected payout date
• Gross and after-tax distribution amounts per day
• Canary health status on each fund right on the calendar
• Click any day to see the full breakdown -- fund name, shares, dist/share, gross and after-tax totals
• Toggle between Confirmed + Estimated or Confirmed only
• Navigate forward and backward by month

A few things worth knowing:
Future estimated payouts project about 2 months ahead -- we capped it there intentionally. Going further gets less reliable as schedules change and amounts vary. Past confirmed history still shows based on actual distribution data.

The calendar also flags health status right on the payout -- so if you're holding a Severe Risk fund you'll see it called out in red right next to the distribution amount. In the screenshot above you can see JPMO showing as Severe Risk on August 13th. That's the health check layer doing its job.

This is one of the most requested features since we launched. Hope it helps you plan your income more effectively.

The Income tab is coming next -- it'll show exactly how much after-tax income your portfolio generates each week, month, and year, along with how that compares to the previous month so you can see if your income is trending up or down.

Check it out: www.yieldcanary.com

Only 7 YieldMax funds are currently passing the health check right now. Here are two different ways to hit $1,000/month after tax using only those Healthy funds.

Portfolio 1 -- The Safer Path
More investment required, larger AUM

CHPY (50% -- $25,514) -- 355 shares | $793/mo after tax
28.05% true yield | 8.50% effective ROC

SOXY (30% -- $15,309) -- 165 shares | $128/mo after tax
10.14% true yield | 0% ROC

BIGY (20% -- $10,206) -- 193 shares | $77/mo after tax
12.94% true yield

Total invested: ~$51,000
Monthly after tax: ~$998/month

Portfolio 2 -- The Maximum Income Path
Less investment required, more single-stock concentration risk

AMDY (40% -- $8,928) -- 193 shares | $561/mo after tax
77.52% true yield

CHPY (40% -- $8,928) -- 124 shares | $277/mo after tax
28.05% true yield | 8.50% effective ROC

TSMY (20% -- $4,464) -- 290 shares | $158/mo after tax
41.76% true yield

Total invested: ~$22,300
Monthly after tax: ~$996/month

Portfolio 1 needs $51,000 to generate ~$1,000/month. Larger AUM across the board, longer Death Clocks, SOXY has 0% ROC meaning every dollar paid is real income.

Portfolio 2 needs only ~$22,300 to generate the same $1,000/month -- but AMDY is AMD single stock concentration and TSMY has a 2.05yr Death Clock that's worth monitoring. All three are weekly payers so income hits your account every week.

The difference is $28,700 less capital required in exchange for more single-stock risk.

Important context:
Only 7 of 58 YieldMax funds are currently Healthy. 46 are Severe Risk. If you're building income from YieldMax funds the health check is what separates the ones that are sustainable from the ones quietly destroying capital. Both portfolios above use only the 7 passing the check right now.

Numbers based on last month's actual distributions at a 25% flat tax rate. As always, none of this is financial advice, always DYOR!

Which path would you take?

SOXY is the Fund of the Week in this week's Canary Report newsletter and the numbers tell an interesting story. Here's what $10,000 into SOXY at the start of 2026 would look like today.

The position:
$10,000 invested January 1, 2026
Estimated price: ~$57.66/share
173 shares purchased
Cost basis: $9,975

Current position value (August 6, 2026):
$15,940 -- up $5,965 (+59.8%) in price alone

Distributions received Jan-Jul 2026 (estimated, cash not reinvested):
January -- ~$67 after tax
February -- ~$71 after tax
March -- ~$75 after tax
April -- ~$84 after tax
May -- ~$97 after tax
June -- $132 after tax (confirmed $1.02/share)
July -- $135 after tax (confirmed $1.04/share)

Total distributions after tax: ~$663

Total return (price gain + after-tax cash):
$6,628 -- a 66.4% total return in 7 months

SOXY confirmed 0% return of capital on its July 7 distribution -- every dollar paid out is real earned income, nothing being returned from principal. That's the rarest combination on YieldCanary -- meaningful income with zero ROC and positive price appreciation.

The distributions have been growing as the fund and semiconductor sector have performed -- June and July both came in over $1.00/share vs roughly $0.52/share in January. That's not guaranteed to continue but it's the direction things have been moving.

The AUM at $68.8M is the one flag worth knowing about -- smaller than ideal for a core position. But the 10-year Death Clock and 0% ROC make the health check picture as clean as it gets.

Important caveat: January through May distribution amounts are estimated based on available historical data points, actual amounts may vary slightly. June and July are confirmed. This is not financial advice -- always verify distribution history directly before making any decisions.

Are you holding SOXY? What's your experience been with the distributions?

Came across a video recently where a creator shared his actual $500,000 retirement income portfolio -- 8 monthly ETFs built for cash flow and no NAV erosion. The research was solid so I wanted to add the YieldCanary health check layer on top and see how every fund held up.

7 of the 8 passed. The 8th I'd replace.

The 7 Healthy funds ($425k of the portfolio):

QQQI (15%) -- 13.90% true yield
SPYI (10%) -- 11.68% true yield
TSPY (15%) -- 13.18% true yield
KQQQ (10%) -- 5.67% true yield
QDVO (10%) -- 10.25% true yield
BIGY (10%) -- 12.28% true yield
GOOP (15%) -- 13.79% true yield

7 funds combined: $2,789/month after tax at 25% rate

The fund I'd replace -- SLVO:

SLVO was in the original portfolio and it's the one I'd replace. Down roughly 34% year to date. Erratic distributions that bounce dramatically month to month. It's also technically an ETN not an ETF -- YieldCanary doesn't track it for that reason. Predictability is everything in retirement income and SLVO doesn't offer it.

The replacement -- CHPY:

Same 15% position ($75,000). Healthy on YieldCanary. 28.05% true income yield. $1.1B AUM. Up 31.89% in price over the last year. Weekly payer generating $2,227/month after tax on that position.

Updated portfolio with CHPY:
All 8 funds Healthy ✅
Monthly after tax: $5,105/month
Annual after tax: $61,255/year

The standout from the original portfolio was GOOP from Kurv -- 13.79% true yield, only 2.09% ROC and up over 30% in price over the last year alongside meaningful distributions. Rarely do you see that combination.

Full video walkthrough on the YieldCanary YouTube channel -- link in comments.

The Best Weekly Payers list on the Insights tab shows Healthy funds that pay weekly distributions, sorted by monthly spendable cash yield. Only 6 funds on the list this week -- the filter is strict and most weekly payers aren't passing the health check right now.

What is monthly spendable cash yield?
It's the percentage of your investment that lands in your account as spendable cash every month after taxes. At a 25% tax rate, a 6.89% monthly spendable means $689 hits your account every month on $10,000 invested -- after the IRS takes its cut. It's based on last month's actual distributions.

AMDW -- 6.89% monthly spendable | 31.58% true yield
CHPY -- 2.97% monthly spendable | 21.22% true yield
GOOW -- 2.36% monthly spendable | 17.07% true yield
AAPW -- 1.86% monthly spendable | 26.27% true yield
APLY -- 1.78% monthly spendable | 35.48% true yield
WEEK -- 0.25% monthly spendable | 3.56% true yield

AMDW leads at 6.89% monthly spendable -- $689/month after taxes on $10,000 invested, paid every single week. 0% effective ROC. It keeps showing up at the top of every weekly payer list for a reason.

APLY has the highest true income yield on the list at 35.48% but a lower monthly spendable than AMDW -- the per-share distribution is smaller relative to its price. Still Healthy with Apple exposure though.

WEEK at the bottom is a T-Bill fund -- essentially a cash equivalent that pays weekly. Fine for parking cash but not what most people are looking for on this list.

The list can show up to 15 funds when more weekly payers are passing the health check. Right now only 6 are making it through -- which tells you something about the state of the weekly payer space. Most of the high-yielding single-stock weekly ETFs are currently Watch or Severe Risk.

You can change the tax rate in your YieldCanary settings to see the numbers at your own bracket. This list updates every Monday and Thursday.

Which of these weekly payers are you holding?

Ran the full REX Shares lineup. 9 funds total. 0 Healthy, 1 Watch, 0 High Risk, 8 Severe Risk.

Watch (1 fund):
ATCL -- 3.52% true yield | 40.10% effective ROC | 3.18% take-home YTD

Severe Risk (sorted by take-home cash return)
AIPI: 8.99% take-home | 18.99% true yield | 43.19% effective ROC
FEPI: 8.28% take-home | 16.32% true yield | 24.79% effective ROC
CEPI: 7.12% take-home | 5.38% true yield | 88.78% effective ROC
NVII: 6.68% take-home | 49.32% true yield | 45.08% effective ROC
TSII: -3.83% take-home | 6.52% true yield | 44.53% effective ROC
WMTI: -9.18% take-home YTD | 10.46% true yield | 63.08% effective ROC
ULTI: -18.54% take-home YTD | 0% true yield | 95.24% effective ROC
SSK: -56.31% take-home | 0% true yield | 91.11% effective ROC

FEPI and AIPI are the two largest funds at $642M and $400M AUM and have the highest take-home cash returns in the lineup at 8.28% and 8.99%. If REX has a path back to a healthier status these two are the ones to watch -- large enough to survive and more real income behind the distributions than the rest.

NVII has the highest true income yield in the lineup at 49.32% but the price is down -31.39% over the last year which is dragging the take-home cash return to only 6.68% despite the strong income.

ULTI and SSK at the bottom tell the real story -- 0% true income yield means every dollar distributed is return of capital while the price simultaneously collapses. That combination produces deeply negative take-home returns regardless of what the advertised yield says.

Ran the full Roundhill lineup this week. 5 Healthy, 3 Watch, 1 High Risk, 24 Severe Risk.

What is take-home cash return?
It's the price return over the last year plus after-tax distributions combined. Taxes in this example are set to 25%. This does not factor in reinvesting the after-tax distributions.

Healthy:
AMDW -- 117.84% take-home | 31.58% true yield | 5.00% effective ROC
GOOW -- 74.99% take-home | 17.07% true yield | 7.92% effective ROC
AAPW -- 35.76% take-home | 26.27% true yield
XPAY -- 14.07% take-home | 15.03% true yield | 20.69% effective ROC
WEEK -- 2.64% take-home | 3.56% true yield

Watch:
ARMW -- 120.31% take-home YTD | 31.49% true yield
XDTE -- 9.72% take-home | 16.59% true yield
TOPW -- 7.75% take-home YTD | 9.73% true yield

AMDW at 117.84% take-home means $10,000 invested a year ago is worth approximately $21,784 today when you combine price appreciation and after-tax weekly distributions. This is the cleanest high-yield fund in the Roundhill lineup.

GOOW at 74.99% take-home is the standout this week -- Google exposure, +17.53% price return, 6.3yr Death Clock. Strong all-around numbers.

ARMW on Watch shows 120.31% YTD take-home -- the highest on the list. Only showing YTD because it doesn't have a full year of price history yet. This is one to watch as it builds its track record.

The bottom of the list is where it gets stark. Funds like MSTW, COIW, and YETH have deeply negative take-home cash returns because the price has collapsed faster than the distributions can compensate. High monthly income doesn't help if the underlying value is evaporating. That's exactly what take-home cash return exposes.

24 Severe Risk funds out of 33 total. If you're holding anything beyond these five Healthy funds it's worth running a health check to see where your fund lands on the full list.

Ran the full YieldMax lineup this week. 5 Healthy, 4 Watch, 1 High Risk, 48 Severe Risk. Here's the full breakdown sorted by take-home cash return, which is the price appreciation plus after-tax distributions combined over the last year:

Healthy:
SOXY -- 86.28% take-home | 10.32% true yield | 5.00% effective ROC
CHPY -- 65.64% take-home | 21.22% true yield | 5.00% effective ROC
APLY -- 14.97% take-home | 35.48% true yield
BIGY -- 13.47% take-home | 12.28% true yield
RNTY -- 6.03% take-home | 11.90% true yield

Watch (close but not Healthy yet):
AMDY -- 68.39% take-home | 41.04% true yield
GOOY -- 41.67% take-home | 28.46% true yield
TSMY -- 32.26% take-home | 39.86% true yield
NVIT -- 9.72% take-home | 9.81% true yield

A few things worth noting this week:

SOXY at 86.28% take-home is the number that stands out -- semiconductor income ETF with 5% effective ROC and +50% price return over the last year alongside real monthly income. Income AND price appreciation in the same fund. That combination is rare in the YieldMax lineup.

CHPY at 65.64% take-home remains the most consistent Healthy fund in the lineup. Weekly payer, 5% effective ROC, $1B AUM. It keeps showing up at the top of every health check list for a reason.

AMDY on Watch at 68.39% take-home is interesting -- the take-home number is strong but the 1.0yr Death Clock is what's keeping it off the Healthy list. Worth watching closely.

48 Severe Risk funds out of 58 total. If you're holding anything from the YieldMax lineup it's worth running a health check before assuming it's sustainable.

The community has shaped this platform in real ways this month -- the Death Clock feedback, the tax questions, the Section 1256 discussion, the issuer health rankings debate.

All of it feeds directly into what gets built and what gets fixed.

A few things coming to YieldCanary soon:

The Income tab is shipping to the Portfolio page later this week. It shows a detailed breakdown of your weekly, monthly, and annual after-tax income across all your holdings -- including a 3-month average, trend vs prior month, and a tax withholding estimate so you know exactly what to set aside.

The Calendar tab is coming right behind it. It shows every upcoming distribution date for the funds in your portfolio, color coded by health status, with estimated dollar amounts based on your share count. Weekly payers, monthly payers, all of it in one view.

Free 7-day trial at yieldcanary.com if you want to run the numbers on your own funds.

Drop a comment -- what are you holding right now?

-- Ryan

Ran the full YieldCanary database and ranked every issuer by what percentage of their funds are currently Healthy. The results are pretty eye opening. Here's the full breakdown:

🟢 100% Healthy
J.P. Morgan -- 4/4 Healthy
First Trust -- 3/3 Healthy
Vanguard -- 3/3 Healthy

🟢 Strong (70%+)
Overlay Shares -- 5/6 Healthy (83%)
Invesco -- 7/9 Healthy (78%)
Global X -- 13/18 Healthy (72%)

🟡 Mixed (50-70%)
NEOS -- 12/19 Healthy (63%)
iShares -- 9/15 Healthy (60%)
Amplify -- 4/7 Healthy (57%)

🟠 Struggling (25-50%)
ProShares -- 2/5 Healthy (40%)
Simplify -- 3/8 Healthy (38%)
Kurv -- 4/11 Healthy (36%)
TappAlpha -- 1/3 Healthy (33%)
NestYield -- 1/3 Healthy (33%)

🔴 Critical (Under 25%)
Roundhill -- 5/29 Healthy (17%) -- 21 Severe Risk
Defiance -- 1/10 Healthy (10%) -- 8 Severe Risk
YieldMax -- 5/56 Healthy (9%) -- 46 Severe Risk

⚫ Zero Healthy funds
GraniteShares -- 0/28 Healthy -- 27 Severe Risk
VistaShares -- 0/7 Healthy
REX Shares -- 0/9 Healthy
Grayscale -- 0/3 Healthy

J.P. Morgan going 4 for 4 is the standout -- every single fund they run passes the health check right now. When one of the largest financial institutions on earth has a 100% Healthy rate it says something about how they construct their strategies.

NEOS at 63% is interesting -- they're the most prominent income ETF issuer with a mixed record. Their flagship funds (SPYI, QQQI, IWMI) are all Healthy but their crypto-linked funds (BTCI, NEHI, XBCI) are all Severe Risk dragging the percentage down.

YieldMax at 9% Healthy with 46 Severe Risk funds out of 56 is the number that should make anyone pause before buying a YieldMax fund without checking the health data first. CHPY and AMDY are Healthy. Most of the rest are not.

GraniteShares has zero Healthy funds across 28 tickers.

This data updates every Monday and Thursday on YieldCanary. Free 7-day trial in the comments if you want to check the health status on any fund you're holding.

Which issuer surprises you most on this list?

Everyone talks about yield. Nobody talks about which income ETFs are actually up on price over the last year. Here's the top 15 sorted by 1-year price return -- all currently passing the health check on YieldCanary:

SOXY -- +50.22% | 10.32% true yield
AAPY -- +31.87% | 3.75% true yield
GOOP -- +30.67% | 13.79% true yield
AMDW -- +29.71% | 31.58% true yield
SCHD -- +26.04% | 3.10% true yield
AAPW -- +25.76% | 26.27% true yield
IDVO -- +23.16% | 5.69% true yield
FDL -- +22.72% | 3.52% true yield
OVS -- +22.46% | 4.17% true yield
HDV -- +21.99% | 3.03% true yield
ITWO -- +20.90% | 4.58% true yield
DGRO -- +19.97% | 1.89% true yield
PEY -- +19.31% | 4.04% true yield
VYM -- +19.15% | 2.25% true yield

SOXY at +50.22% is the standout -- semiconductor income ETF with 0% ROC, 10.32% true income yield, and up 50% on price over the last year. Income AND price appreciation in the same fund.

AMDW at +29.71% with 31.58% true income yield and weekly distributions is the combination most people think doesn't exist -- high real income plus meaningful price return.

GOOP at +30.67% with 13.79% true yield and only 2.09% ROC -- Google exposure, clean income, strong price return.

One of the biggest mistakes income investors make is chasing the highest yield without checking whether the NAV is holding up. This portfolio takes the opposite approach - every fund has positive price return over the last year and every fund either has near-zero ROC or carries the Tax-Efficient ROC badge meaning the high ROC isn't the destructive kind.

Five funds. $100,000. All Healthy. All positive price return. No NAV erosion.

JEPQ (30% -- $29,945)
517 shares @ $57.92 | $219/mo after tax
True yield: 11.15% | +1.65% price return 1Y | $38.2B AUM
JP Morgan Nasdaq-100. One of the largest income ETFs on earth.

SPYI (25% -- $25,000)
476 shares @ $52.52 | $190/mo after tax
True yield: 12.21% | Tax-Efficient ROC | +1.29% price return 1Y | $10.9B AUM
NEOS S&P 500. Second large institutional player alongside JP Morgan.

GPIQ (20% -- $19,982)
362 shares @ $55.20 | $141/mo after tax
True yield: 10.50% | 0% ROC | +5.53% price return 1Y | $5.0B AUM
Goldman Sachs Nasdaq-100. Zero return of capital -- every dollar is real earned income.

IWMI (15% -- $14,990)
288 shares @ $52.05 | $136/mo after tax
True yield: 13.95% | Tax-Efficient ROC | +11.47% price return 1Y | $1.1B AUM
NEOS Russell 2000. Small cap exposure not just S&P 500 and Nasdaq.

GPIX (10% -- $9,959)
181 shares @ $55.02 | $54/mo after tax
True yield: 8.28% | 0% ROC | +7.11% price return 1Y | $4.9B AUM
Goldman Sachs S&P 500. Second Goldman fund -- S&P 500 exposure to complement GPIQ's Nasdaq-100.

Total invested: $99,876
Monthly after tax (25%): $739/month
Annual after tax: $8,866

Scale it up:
$50,000 → $369/mo after tax
$100,000 → $739/mo after tax
$250,000 → $1,847/mo after tax
$500,000 → $3,694/mo after tax

A few things worth noting:

Every fund in this portfolio has positive price return over the last year.

GPIQ and GPIX both have 0% ROC -- the two cleanest income funds in the portfolio. Every dollar distributed is real earned income with no principal being returned.

No single stocks. No leverage. No sector concentration beyond the natural tech weighting in Nasdaq-100 funds. This is built around the concept that income and NAV stability aren't mutually exclusive.

If you're approaching retirement and wondering how to generate reliable monthly income from $750,000 -- here's a portfolio option. Five funds. All currently Healthy. No single stocks. No leverage. No sector concentration.

The design philosophy: large institutional AUM, broad index exposure, Tax-Efficient ROC where possible, and long Death Clocks. Built for 30 years, not 12 months.

JEPI -- 40% of portfolio ($301,080)

5,271 shares @ $57.12 | $45.6B AUM | S&P 500

The anchor. Largest income ETF on earth. Most conservative fund in the portfolio gets the biggest allocation.

JEPQ -- 25% of portfolio ($193,177)

3,341 shares @ $57.82 | $39.1B AUM | Nasdaq-100

More income than JEPI with Nasdaq-100 exposure. Same JP Morgan institutional backing.

SPYI -- 20% of portfolio ($151,989)

2,900 shares @ $52.41 | NEOS | $10.8B AUM | Tax-Efficient ROC | S&P 500

S&P 500 from a second institutional issuer alongside JP Morgan. Manager diversification matters.

GPIQ -- 10% of portfolio ($77,208)

1,402 shares @ $55.07 | $5.0B AUM | 0% ROC | 10yr Death Clock

Clean income. Zero return of capital. Every dollar distributed is real earned income. Goldman Sachs.

QDVO -- 5% of portfolio ($36,519)

1,272 shares @ $28.71 | Amplify | $742M AUM | 25.90% ROC | 10yr Death Clock

Different issuer, different exposure. 10-year Death Clock.

Cost basis: $749,907

Weighted Death Clock: 10.0 years

Weighted True Income Yield: 9.91%

Combined AUM across all 5 funds: $101.2 billion

The income at different tax brackets:

22% bracket -- approximately $5,100/month

24% bracket -- approximately $4,900/month

32% bracket -- approximately $4,400/month

The difference between the 22% and 32% bracket is roughly $700/month -- over $8,400/year from the same portfolio. Which bracket you land in isn't just a tax question, it's a retirement income question.

One thing worth noting -- JEPI, JEPQ, and SPYI all carry the Tax-Efficient ROC badge which means their distributions may be tax-deferred rather than ordinary income. If that applies to your situation the numbers above could actually be higher than shown. Consult a tax advisor for your specific situation.

What's not in this portfolio: single-stock covered call funds, leverage, sector bets. This is built for someone who needs the income to last through a 30-year retirement.

Which retirement income ETFs are you currently holding?

I wanted to take a minute to say thank you to all 780 members!

This community has genuinely shaped YieldCanary. Feature requests, feedback, fund health questions, portfolio builds -- it all feeds directly into what gets built and what content gets made. Several features on the roadmap right now exist because of conversations that started here.

YieldCanary has a free 7-day trial if you haven't tried it yet. You can run any fund through the health check, see the true income yield after stripping out return of capital, check the Death Clock, and build a portfolio to see exactly what it pays after taxes.

If you have questions about a specific fund just drop it in the comments.

Thanks again for being part of this. The community is the best part of building this thing.

-- Ryan

Here's the full list sorted by True Income Yield:

AMDY: 41.22% true yield | +20.36% price return 1Y
TSMY: 40.37% true yield | -5.70% price return 1Y
CHPY: 31.34% true yield | +35.30% price return 1Y
BIGY: 12.20% true yield | +1.86% price return 1Y
RNTY: 12.06% true yield | -4.40% price return 1Y
SOXY: 8.68% true yield | +83.15% price return 1Y
NVIT: 1.81% true yield | +0.47% YTD

CHPY continues to be the standout: 31.34% true income yield, only 12.51% ROC and up 35.30% on price return over the last year. The full picture matters: income plus NAV stability plus price appreciation. That combination is rare in this space.

SOXY is a big surprise on the list: up 83.15% on price return over the last year while still showing 0% ROC. Semiconductor exposure has had a strong run.

AMDY leads on true income yield at 41.22% with a take-home cash return of 70.38% over the last year -- price appreciation plus after-tax distributions combined.

Which of these are you holding? And has anyone been watching SOXY's price return this year?