Example: Holding QQQI TDAQ XLKI vs QQQI TDAQ XLKI SPYI NIHI
Debating if I should add SP500 exposure and intl Developed Markets exposure. Right now I’m only exposed to large cap growth/tech
As of: 5/11/26
Which of these do you hold?
DRIP Calculator used: https://www.dividendchannel.com/drip-returns-calculator/
My dividend/income wheel portfolio is very heavy into $BLOX, with much smaller exposure into $GIAX and $STRC.
I do desire diversifying and balancing it out so my entire portfolio doesn’t swing drastically just cuz BLOX changed a few cents.
I want get into some positions in different sectors, but not just about any - I’m up on capital gains with BLOX & GIAX and would like to get into positions that are well managed.
For precious metals, I’m thinking SLVX (also run by X Funds, weekly) and a gold monthly (still deciding between KGLD and IAUI, help there?)
And I want to in the closer future open a position in real estate and other sectors. For real estate, I have IYRI on the radar.
Any suggestions? Any preferences between Kurv or NEOS? I know NEOS more, I like them and know they run QQQI and SPYI too, so for gold should I stick with them and go for IAUI?
I’m retiring in a few months at age 58.5, and I also plan to do full time international travel for at least the first but probably the next few years. (I took a 6-month leave of absence a couple of years ago and traveled the entire time and loved it, spending about a month each in 6 different countries).
I plan to sell my house and park the proceeds, waiting for the right time and location to settle down again.
Because I have most of my financial assets in pre-tax accounts ($2.6M as of yesterday) and anticipate my net proceeds from my house to be about $550k, I’m thinking about putting the proceeds into a post-tax account invested in ETFs that return dividends as ROC to use as monthly income, which would theoretically keep my AGI low and allow more headroom for Roth conversions in the years I’m traveling.
Does that sound like a reasonable path? Are there things I’m missing in my plan?
Took advantage of the small pullback this morning to initiate my desire of diversification.
Income portfolio is still very heavily BLOX, but down from 89 to 79%.
BLOX = 214 shares
GIAX = 20 shares
KSLV = 5 shares
IYRI = 3 shares
STRC = 3 shares
Just received my dividends and reinvested everything based on NAV Δ momentum and keeping my portfolio above my target of +2%/month income.
Here’s my current monthly dividend yield based on my basis cost (for Canadian funds I add +15% for tax comparison):
ECHI 1.61% @ $11.08
CCHI 2.33% @ $13.32
QDAY 1.80% @ $26.85
CDAY 1.70% @ $26.46
ENCL 1.73% @ $17.57
OILY 1.54% @ $9.80
UTES 1.82% @ $8.73
BANK 1.80% @ $7.66
YMAX 3.94% @ $8.36
CHPY 4.21% @ $57.19
SDTY 1.88% @ $44.67
GPTY 3.19% @ $41.97
OILK 2.47% @ $55.23
IWMW 1.61% @ $38.20
IVVW 1.36% @ $43.11
FFN 1.61% @ $8.12
DGS 1.50% @ $7.65
LFE 1.67% @ $6.88
DF 1.63% @ $7.06
USOY 3.93% @ $8.82
XQQI 1.76% @ $48.82
CAIQ 1.54% @ $24.55
I will sell my IVVW position cause its monthly dividend yield based on my cost dropped under my 1.5%/month threshold.
Reinvested into these funds with strong NAV Δ momentum:
40% Allocation → GPTY - YieldMax AI & Tech Portfolio Option Income ETF
2.93% monthly yield based on latest dividend
TTM NAV Δ: 9.80%
3M NAV Δ: 14.39%
25% Allocation → OILK - ProShares K-1 Free Crude Oil ETF
2.08% monthly yield based on latest dividend
TTM NAV Δ: 49.35%
3M NAV Δ: 39.87%
15% Allocation → SPCI - Tuttle Capital Space Industry Income Blast ETF
2.20% monthly yield based on latest dividend
3M NAV Δ: 56.46%
TTM NAV Δ unavailable for now
10% Allocation → GIAX - Nicholas Global Equity and Income ETF
1.81% monthly yield based on latest dividend
TTM NAV Δ: -0.96%
3M NAV Δ: 7.94%
10% Allocation → XPAY - Roundhill ETF Trust - Roundhill S&P 500 Target 20 Managed Distribution ETF
1.65% monthly yield based on latest dividend
TTM NAV Δ: 5.34%
3M NAV Δ: 1.49%
Trying to keep the portfolio diversified while focusing on funds with decent NAV Δ trends and keeping the income snowball rolling!
YieldMax Semiconductor Portfolio Option Income ETF (CHPY) has once again reached it's all-time high (checking in at $75.60 per share so far this morning), making this almost a full week of notable principle appreciation, coupled with PHAT weekly dividends. Last month CHPY contributed sweetly to my discretionary income! Say what you will about other YieldMax Funds, but CHPY is a clear winner!
$BLOX vs $CEPI vs $LFGY
Even timeline comparison beginning at $BLOX launch (06/16/2025):
Total Return:
• $BLOX +28.3%
• $CEPI +26.5%
• $LFGY +11.7%
Share Price Change:
• $BLOX -6.2%
• $CEPI -14.3%
• $LFGY -36.2%
Current Yields:
• $LFGY 55.4%
• $CEPI 42.0%
• $BLOX 36.0%
$BLOX has delivered the strongest total return while also seeing the smallest share price decline since launch.
A nice dip that brought BLOX sub-17 must be taken advantage of!
214 shares total, crossed the 200 milestone :)
What a feeling!
First time in my income-wheel building that the dividend payout is greater than the share price. Bought a new share w/o having to put any new capital (and still have a bit left over).
151 BLOX shares owned.
Next stop 250!
I’ll build up GIAX eventually, but just really love BLOX lol. I own 20 GIAX shares, think I’ll keep it a 1:10 ratio w/ BLOX
What other income generating semi conductor ETF’s are out there?
Sold all my XLEI - State Street Energy Select Sector SPDR Premium Income ETF position because based on its latest dividend the monthly yield on my basis cost fell under my 1.5%/month rule.
XLEI --> 1.14% monthly yield @ $27.40 basis cost
For me thats a hard rule. If a fund drops under 1.5%/month I start looking for stronger income and better NAV Δ momentum instead of just hoping the next distribution goes back up.
So I rotated the capital equally into these names instead:
USOI - UBS ETRACS Crude Oil Shares Covered Call ETN
RS.TO - Real Estate Split Corp.
CDAY.NE - Hamilton Enhanced Canadian Equity DayMAX ETF
QDAY.NE - Hamilton Enhanced Technology DayMAX ETF
Trying to stay disciplined with the strategy. High yield alone means nothing if the NAV Δ starts rolling over. Recent NAV momentum matters a lot more to me now than just chasing the biggest payout.
I've collected over $25K in distributions this year from YM, RH, & NEOS funds. Recently I added KGLD (Kurv Gold) to the list. It's not represented in this part of my portfolio, but definitely worth looking into before gold starts creating new highs.
Si just posted this on X saying that they are still with Fidelity on the issue and will update the community soon. Hopefully a positive update from Tappalpha within the next 2 weeks.
https://x.com/TappAlphaFunds/status/2052820935275860466?s=20
Given the macro environment, is anyone raising cash instead of dripping? Maybe I’ve lived through too many crashes, but I’m wondering if it’s not better to be building up money to deploy during the next 20%+ drop? Maybe if Iran ends soon, we squeak through, but if this goes on, it’s not just the price of gas, food prices will rise because of the cost (and availability) of fertilizer and the drought across the US, the falling dollar is making things more expensive, valuations are already sky high, etc, etc. I’ve been thinking a lot about stopping DCA for the next six months and see how things progress. Anyone out there thinking the same?
