r/NEOSETFs

I am and it's painful as hell lol but those distributions are going to be sweet

Guys I am soon starting a quite big SPYI (maybe a bit QQQI) poition.
- around 50% of my account (life saving 7 fig) will go to SPYI, rest for leaps and some CSP.

So i do run hedges for my leaps an CSP, but I m wondering about doing it on SPY as well?

Context i know that the last 10-15 years have been great, I was investing in the holding bouble and know or can be different.
Historical: 1929-1954 Market took 25 years to rebound.
Same 1966-1982.

A possibility is to just buy SPY puts, as insurance/hedge but they are expensive.

What do you guys do, any suggestions?

https://www.tipranks.com/news/cryptocurrencies/income-over-hype-neoss-btci-attracts-fresh-cash-even-as-bitcoin-slips

How far is BTCI likly to fall if BTC crashes to 40k? Sorry if someone has already addressed this.

Adding more of IAUI, added few at 52.5, then at 50.5 and now at 48.5 … am I getting into a trap ?

Anyone doing anything now ? Is this good time to accumulate or just wait for gold prices to stabilize?

I’m thinking bitcoin will rebound in 2027, so my idea is to average into BTCI by selling cash secured puts. The 3 options dates available are July 17, Aug 17, Sept 18, so I’m thinking of aiming for $25k July, $25k Aug, and $50k Sept. 20%+ annual dividends while waiting for bitcoin to recover sounds amazing. Anyone want to poke holes in this or give advice or bear case? Anyone have predictions for how low BTCI could go if Bitcoin hits 50k, 40k, 30k? Thank you!

5% BTCI, 5% IAUI, 10% MLPI, 20% QQQI, 20% SPYI, 20% SCHD, 20% SGOV

Currently making around $7k a month off my current distributions between qqqi spyi btci with a 40/40/20 blend I reinvest all the dividends as well as contribute 7500 additional each month. Using dividend calculators I'm told I can make it to my goal between 5 to 9 years. Currently 28years old and would like to retire as soon as possible with that 20K a month goal.

In my retirement I would live off about a 25% and reinvest the other 75% to fight inflation as well as grow my wealth in retirement as well as give a buffer if the distributions took a dip.

Let me know what you think or if you have any tips Thankyou in advance.

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Copy and Pasted from Top Dividend ETFS. I know a lot of you have probably seen this but for those that haven't hope this helps. Just because some are good doesn't mean they all are. That's for the people who become "fanboys" and this is the only company they buy.

SYM Name Yield AUM NAV Decay

SHI |NEOS Enhanced Income 1-3 Month T-Bill ETF |4.9% |1274M |NO |A- |🗳️2
BNDI |NEOS Enhanced Income Aggregate Bond ETF |5.7% |172M |YES |A- |🗳️0
IAUI |NEOS Gold High Income ETF |12.5% |462M |NO |B+ |🗳️2
BTCI |NEOS Bitcoin High Income ETF |28.0% |1270M |YES |C- |🗳️3
NIHI |NEOS MSCI EAFE High Income ETF |9.7% |89M |NO |C |🗳️0
QQQH |NEOS Nasdaq 100 Hedged Equity Income ETF |9.0% |372M |NO |A- |🗳️0
QQQI |NEOS Nasdaq 100 High Income ETF |14.3% |11900M |NO |A- |🗳️48
XBCI |NEOS Boosted Bitcoin High Income ETF |37.0% |53M |YES |C |🗳️1
XQQI |NEOS Boosted Nasdaq-100 High Income ETF |20.0% |152M |NO |B |🗳️9
XSPI |NEOS Boosted S&P 500 High Income ETF |15.0% |45M |NO |C |🗳️8
IYRI |NEOS Real Estate High Income ETF |10.8% |266M |YES |B |🗳️0
IWMI |NEOS Russell 2000 High Income ETF |14.1% |856M |YES |B+ |🗳️6
SPYH |NEOS S&P 500 Hedged Equity Income ETF |7.6% |27M |NO |B |🗳️0
SPYI |NEOS S&P 500 High Income ETF |12.20% |9720M |NO |A- |🗳️35

Sold 10 shares of qqqi and 10 jepq for a good amount of profit. I seemed to have bought both of them near the Lows, which was unintentional. I got very lucky. I see iaui is roughly 2 dollars above the yearly low. I bought 5 shares and plan to dca in. Should I have waited?

Today marks roughly 1,217 days since I walked away from my engineering career.

I retired at 44 after spending more than two decades working in manufacturing and industrial systems. Like many people here, I spent years chasing financial independence thinking the money was the hard part. Looking back now, the money was actually the easy part. Learning how to live after work turned out to be much harder.

For context, we're a family of four. Our net worth recently crossed $6.8 million. Annual spending fluctuates between $70k and $95k depending on travel and family plans. Our portfolio is mostly index funds, some real estate, and a handful of individual stocks I've owned for years. The numbers matter because everyone asks, but honestly I think about them less now than I did when I was accumulating.

The surprising thing is that retirement doesn't feel like a permanent vacation. It feels more like getting your attention back. During my working years I always felt busy. Even when I wasn't working, part of my brain was occupied by deadlines, meetings, emails, promotions, performance reviews, or future plans. That background noise is gone now. I spend more time walking, reading, exercising, traveling, and having conversations that aren't rushed. Nothing sounds particularly exciting when written down, yet somehow life feels richer.

One realization keeps coming back to me. I probably worked five to seven years longer than I needed to. Not because I needed the money, but because I was afraid of uncertainty. I kept moving the goalposts. First it was $2M. Then $3M. Then $5M. Every milestone felt like it should provide certainty, but certainty never arrived. The only thing that changed was the size of the number I was chasing.

Another thing I've noticed is how little lifestyle inflation actually improved my happiness. The jump from financial stress to financial security was enormous. The jump from financial security to additional wealth was much smaller. Most of my best memories from the last few years cost almost nothing. Long walks with my wife. Watching my kids grow up. Random weekday trips when everyone else was stuck at work. None of those required a bigger portfolio.

If I could give my younger self one piece of advice, it would be this: don't build your entire identity around accumulation. At some point you have to learn how to enjoy the freedom you're working so hard to create. Otherwise financial independence becomes just another treadmill.

I'm genuinely curious where people here stand on this.

For those still pursuing FIRE, what's your actual number today?

And for those who already reached it, did you retire when you hit the number, or did you keep moving the goalposts like I did?