I have a small position about (100 shares) in BTCI but a bit hesitant since it’s volatile and tracks BTC. Or should I just keep stacking QQQI instead? I think it’s a good long term play but wanted to get your thoughts and opinions.
Recently, I discovered QQQI and SPYI I have a Robinhood account with roughly 3500$ in it
I wanted to use margin on it. I currently have 128 shares of Sofi and plan to buy roughly 25 to 30 shares of.QQQI and SPYI that would bring my margin buffer down to about 50%. I do plan to add about $1400-$1800 every single month to this account and grow a steady consistent stream of income. I just wanna know what everybody’s experience with this has been.
Thoughts on investing in iShares Trust - iShares 0-3 Month Treasury Bond ETF (SGOV); 3.56% Dividend Yield (DY), or NEOS Enhanced Income Cash Alternative ETF (CSHI); 4.96% DY. I took a deep dive into the tax treatment of CSHI, both federal and state (IL) and found that I would come out way ahead by investing my cash sleeve in the fund because of the approximately 60% Return of Capital (ROC) portion of the distributions and how they are (not) taxed at the Federal level.
However, monthly dividends from SGOV would be fully taxed as Ordinary Income by the IRS. So, not only is CSHI's the DY higher, but I would retain more of it!
Hi everyone, would you please share how you're tracking your holdings?
Google Sheets?
Microsoft Excel?
Apps? Website?
Edit: Trying to understand when to exit, how to track the NAV and DRIP. Do you have a shareable spreadsheet template?
I'm considering going a little heavier into Covered Call ETFs and want to get an idea of the level of conviction you guys have.
I currently own, from Largest to Smallest, JEPI, GPIX, JEPQ, SPYI, and QQQI totaling 6 figures. I wouldn't mind putting 6 figures solely into one or two, while holding modest amounts in some of the more controversial ones.
What are your thoughts?
I also own several individual companies, but would be willing to liquidate those to further fund the ETFs.
Been collecting data for some NEO ETFs and updated the report again, so thought I’d share it here.
This is not meant as a “which one is best” post — more just a snapshot of the numbers I’m tracking across the names I’ve collected so far.
The report includes:
A few things that stood out to me from this update:
BTCI still shows a very high dividend TTM, but also shows a capital erosion flag, which is why I think looking at yield alone can be misleading.
CSHI and MLPI look more stable in this snapshot, but they are obviously very different types of income products.
Some names still have incomplete data, so I’m treating this as a work-in-progress report rather than a final ranking.
Current list includes BTCI, CSHI, IAUI, IWMI, IYRI, MLPI, NIHI, QQQH, QQQI, SPYH, SPYI, XBCI, XQQI, and XSPI.
Curious if anyone here tracks these NEO funds regularly, and which metrics you think are actually worth watching besides distribution yield.
you can find March analysis result from previous post https://www.reddit.com/r/NEOSETFs/comments/1sbeicf/sharing_my_march_2026_neo_etfs_report/
Here's a list of the healthy NEOS funds this week sorted by take-home cash return. Take-home cash return is defined as the 1Y price appreciation + after-tax distributions. Taxes are set to 25% in this data.
Top 5:
IWMI -- 28.70%
QQQI -- 27.56%
SPYI -- 21.49%
QQQH -- 19.07%
SPYH -- 18.83%
Average true income yield for the top 10 = 8%
The full list is in the attached image.
Anyone gone all in on btci? Anyone living off the dividends from btci?
Just wanted to give another update. Staying strong with the portfolio seems to be paying off. I added jaaa to the mix to give some stability. I did this because I am buying with leverage at a rate of 5.65%. Divs should be greater that 10% with a good spread. I plan on holding forever and reducing jaaa as my account grows. Jaaa represents my emergency funds so I only need it at 10k. I don’t choose similar funds like jpmorgan, Goldman, or tspi because I like the balance of beta, nav erosion, and divs that NEOS provide. It has the best balance of funds of what I am looking for. I understand that tspi I believe outperforms spyi but the drawdowns are a bit high compared to NEOS. Plus we are not sure how nav erosion will affect them long term since they are new
Current Situation:
43 year old male in Oregon
$5,500 month in post tax income
$3,700 month in expenses.
$750,000 investments: $390,000 in Retirement accounts (Roth $85,000; Rollover IRA $285,000; workplace 401 $20,000) $340,000 in Taxable Brokerage account. $20,000 HYSA
My plan:
FIRE with-in 1 year. Eventually move to Washington State since they have no income tax and the first $278,000 annually LTCG are exempt from being taxed.
Keep my Retirement money intact with rolling over the workplace 4account into my Rollover IRA.
Take $330,000 and invest into various CC-ETF's. I'm looking at a mix of SPYI, QQQI, IWMI, BTCI, CHPY and XQQI.
| Fund | Amount | Return Rate | % of Portfolio | Income | Monthly | ROC | Non Qualified | Qualified | Taxable Income | LTCG Tax |
|---|---|---|---|---|---|---|---|---|---|---|
| SPYI | $75,000.00 | 11.90% | 22.73% | $8,925.00 | $743.75 | 95.00% | 2.00% | 3.00% | $178.50 | $267.75 |
| QQQI | $75,000.00 | 13.86% | 22.73% | $10,395.00 | $866.25 | 95.00% | 2.00% | 3.00% | $207.90 | $311.85 |
| XQQI | $25,000.00 | 18.24% | 7.58% | $4,560.00 | $380.00 | 95.00% | 2.00% | 3.00% | $91.20 | $136.80 |
| IWMI | $75,000.00 | 13.68% | 22.73% | $10,260.00 | $855.00 | 95.00% | 2.00% | 3.00% | $205.20 | $307.80 |
| BTCI | $40,000.00 | 25.80% | 12.12% | $10,320.00 | $860.00 | 44.00% | 56.00% | $5,779.20 | $0.00 | |
| CHPY | $40,000.00 | 33.62% | 12.12% | $13,448.00 | $1,120.67 | 40.00% | 60.00% | $8,068.80 | $0.00 | |
| $330,000.00 | 17.55% | $57,908.00 | $4,825.67 | $14,530.80 | $1,024.20 |
With these allocations I would be about $1,100 over my monthly expenses so that would give me wiggle room for down distributions. I would also be bumping my cash up to about $30,000 to allow me to further absorb down months. Once I hit "retirement age" I can start withdrawing from those accounts.
With the ROC taking around 6-7 years to bring my cost basis down to zero, my taxable income would be right around the standard deduction amount. This would allow me to qualify for ACA/Oregon Health Plan as that is also based on MAGI. Oregon does tax LTCG as regular income so that is why I would be looking at moving to Washington state at some point before my cost basis hits zero for most funds. With leftover funds I would look at first buffing up my cash, then probably DRIP most of the remainder with the occasional extra international trip.
I have a long term partner who is in a very similar financial situation as me. Her monthly income and expenses are both slightly less but she has a similar amount in investments and more cash. She is also interested in FIRE but is much more skeptical/conservative financially. She has always wanted $2,000,000 each before retiring.
I do have a meeting in a few weeks with Fidelity and I plan on setting up a phone call or meeting with a local CPA. Are there any glaring things I am missing? Any specific questions I should ask at my upcoming meetings?
To those that have done it, what was your strategy and results for using margins to buy these ETFs?
I saw a YouTube video recently going over the use of margins, but I would trust the reddit community that has experienced than to trust a random YouTube sent to me.
https://youtu.be/CfbhDlsPoLc?si=rDxx5OEye2325UEV
(video I was sent)
Would love to hear genuine experiences and side hustles that actually pay 🚀
Made heavy losses in Granite shares and yield max, booked losses last year and put that into QQQI, SPYI, IAUI, IYRI, IWMI and JEPQ, it is very relieving to see able to recover some.
What do you guys (and girls) think about HYBI? I like it because of low volatility and nice and stable yield of 8%. So far, I only have a small part of my portfolio in it (5k, below 1%).
Which I am not satisfied with is, that it seems that HYBI doesn't recover well from drawdowns. It hasn't yet recovered from Trumps tariffs crash last yesr April and also not from Iran war crash.
What do you think about it?
