I was listening to a bunch of traders say that next week could pay the highest dividends due to the swings all week long. What does everyone here think? I am thinking it will be a lower payment, but I sure hope they are right and I am wrong!
After a long break from posting, life got busy, but I’m finally back with portfolio updates.
A lot changed since the last update.
The portfolio structure is very different now.
Most of the single-stock income ETFs were sold.
The Ultras sleeve is now much smaller.
And the remaining single-stock ETF exposure is only a tiny part of the portfolio.
June was not a great performance month, but it was an important cleanup month.
📊 Progress and Portfolio Update
Total portfolio value: $300,610
Total profit: +$31,071
Total return: +8.6%
Projected annual passive income: $61,576 after tax
Projected monthly income: $5,131
📥 Total Dividends Received in June
💵 June dividends: $5,273
That is more than $175 per day.
The income engine is still working.
But June was a reminder:
NAV matters.
Total return matters.
Risk still matters.
🔥 Snowball / ROC Update
One cool thing I found this month:
I can add ROC-related tax refunds into Snowball Analytics.
Some distributions later get reclassified as Return of Capital, or ROC.
Since my broker withholds tax automatically, part of that tax can come back later after the ROC reclassification.
I added those refunds into Snowball, and now the portfolio return reflects the real result much better:
Dividends
Price movement
Taxes
ROC-related tax refunds
Real total return
For an income portfolio, this is a big deal.
Not tax advice, just how I track my own portfolio.
💼 Portfolio Structure
My portfolio remains structured across four sleeves:
Dividend Boosters 49.2% | Alternative Income 25.0% | Core Portfolio 23.3% | The Ultras 2.5%
The structure looks healthier than before.
The Ultras are smaller.
Alternative Income is meaningful.
Core is stronger.
Dividend Boosters still drive the income.
🛒 Additions in June
💥 Dividend Boosters
✅ DRMP
Memory semiconductor income exposure.
AI memory, HBM, DRAM, NAND, and advanced packaging.
Small starter position.
🧱 Core Portfolio
✅ TDVI
More balanced technology income exposure.
Tech income, but not ultra-high-yield.
🏢 Alternative Income
✅ RISR
Interest rate hedge and alternative income exposure.
✅ FOXY
Currency strategy ETF.
Another diversifier outside equity option income.
✅ KGLD
Added more gold income exposure.
Still one of my favorite diversifiers in this sleeve.
🔁 Sold / Rotated Out
❌ PLTI
Sold because the fund was closing.
❌ HOOW
Sold with around 28% profit.
The HOOW sale changed how I think about The Ultras.
Going forward, The Ultras are more tactical:
Better entries.
Smaller sizing.
Take profits when it makes sense.
Less attachment to the distribution.
The Ultras are now a tactical tool, not the foundation of the portfolio.
🚀 The Ultras, loan funded portfolio
Now much smaller and more controlled.
Current weight: 2.5%
💰 Current value: $7,407.73
📈 Total profit: +28.2%
💵 June dividends: $504.52
Breakdown by ticker:
TSLW 32.72%
COIW 26.54%
MSTW 20.63%
PLTW 20.12%
Dividend Breakdown:
MSTW $119.18 | COIW $118.18 | HOOW $108.91 |
TSLW $81.16 | PLTW $69.32 | PLTI $7.76
The June dividends still include HOOW and PLTI, which were sold during the month.
These funds can still create income and tactical opportunities, but I do not want them controlling the portfolio again.
💥 Dividend Boosters
Still the main cash flow engine.
Current weight: 49.2%
💵 Dividends Received: $3,627.75
💰 Total Value: $148,044.80
📈 Total Profit: -1.8%
Current Holdings:
BLOX 19.69% | ULTY 12.86% | KYLD 10.90% | TOPW 10.63% | CHPY 8.45% | GPTY 6.57% | GIAX 6.47% | CEPI 5.72% | SPCI 5.26% | MINY 4.75% | BTCI 3.16% | NEHI 2.45% | DRMP 1.26% | XRPM 0.95% | SOLM 0.88%
Dividend Breakdown:
BLOX $824.73 | ULTY $732.16 | TOPW $314.69 | CHPY $304.96 | SPCI $270.00 | GPTY $229.88 | CEPI $212.46 | KYLD $208.80 | GIAX $168.21 | MINY $134.55 | BTCI $85.15 | NEHI $79.54 | XRPM $32.61 | SOLM $26.40 | DRMP $3.60
Great income, but still a sleeve where I need to watch NAV, concentration, and total return.
🧱 Core Portfolio
Built for balance and durability.
💵 Dividends Received: $529.19
💰 Total Value: $70,066.12
📈 Total Profit: +34.7%
Current Holdings:
IWMI 21.46% | QQQI 12.24% | SPYI 11.59% | KQQQ 10.66% | IDVO 10.07% | TDAQ 6.73% | RSPA 6.17% | GRNI 4.76% | NIHI 4.71% | TSPY 4.26% | TDVI 3.49% | OVL 2.59% | GPIQ 1.27%
Dividend Breakdown:
IWMI $132.29 | QQQI $74.43 | KQQQ $64.58 | SPYI $60.93 | TDAQ $49.24 | TSPY $26.33 | IDVO $26.18 | RSPA $25.05 | GRNI $20.51 | NIHI $19.83 | TDVI $12.36 | OVL $11.64 | GPIQ $5.84
This is still the strongest sleeve from a total return perspective.
🏢 Alternative Income
Focused on different income sources outside the usual tech, crypto, and option-income world.
💵 Dividends Received: $611.48
💰 Total Value: $75,090.87
📈 Total Profit: +3.7%
Current Holdings:
KGLD 13.62% | KCOP 10.16% | WEPN 10.11% | IYRI 10.01% | NUKX 9.41% | KSLV 7.38% | EMO 6.20% | CEFS 4.64% | MLPI 4.62% | NDIV 4.05% | PFFA 3.97% | MAIN 3.94% | TYG 3.88% | FOXY 2.38% | UTG 2.33% | ASGI 2.14% | RISR 1.16%
Dividend Breakdown:
KGLD $107.40 | KSLV $98.55 | KCOP $76.73 | WEPN $55.74 | NUKX $52.68 | IYRI $51.51 | MLPI $31.07 | EMO $25.11 | TYG $24.23 | MAIN $23.94 | PFFA $18.76 | CEFS $14.28 | ASGI $11.90 | FOXY $9.90 | UTG $6.45 | RISR $3.24
This sleeve gives me gold, silver, copper, nuclear, defense, energy, preferreds, BDCs, CEFs, utilities, currencies, and interest rate exposure.
📊 Diversification and Weight
Largest positions:
BLOX 9.69% | ULTY 6.33% | KYLD 5.37% | TOPW 5.23% | IWMI 5.00%
Other notables:
CHPY 4.16% | KGLD 3.40% | GPTY 3.24% | GIAX 3.18% | QQQI 2.85% | CEPI 2.82% | SPYI 2.70% | SPCI 2.59% | KCOP 2.54% | WEPN 2.52%
🏆 Top Performers, June
CHPY +12% | DRMP +5.6% | KYLD +3.8% | FOXY +3.3% | IWMI +3.2%
⚠️ Laggards
MSTW -53% | SPCI -34% | COIW -28% | KSLV -22% | NEHI -21%
📉 Performance Comparison June 1 → June 30:
Portfolio Performance: -6.48%
S&P 500: -1.3% | Nasdaq 100: -0.25% | SCHD: -1.86%
June was weak from a total return perspective.
Income stayed strong, but the portfolio underperformed the major benchmarks.
The main focus this month was cleanup, reducing single-stock ETF exposure, and making the portfolio more intentional.
💡 Performance Summary
June was mainly about cleanup and control.
I reduced The Ultras.
I sold PLTI because it was closing.
I took profit on HOOW.
I added DRMP, TDVI, RISR, and FOXY.
And I improved my tracking in Snowball with ROC-related tax refunds.
Strong income.
Weak performance.
Better structure.
More control.
📌 Closing Thoughts
A lot changed since my last update.
The portfolio is now much less dependent on single-stock income ETFs.
The Ultras are no longer a major part of the portfolio.
And I’m trying to make every sleeve more intentional.
The strategy keeps evolving, but the principle stays the same:
Cash flow first.
Compounding second.
Price volatility last.
🔄 I track everything using Snowball Analytics, including dividends, performance, allocation, and now also ROC-related tax refunds.
💡 Reminder: All numbers above are after tax, my broker withholds taxes automatically.
Not financial advice, just sharing my own portfolio journey.
How was your June? Share your updates below 👇👇👇
Nvidia has been pretty flat YTD and it’s hard to ignore the broader semiconductor sector at this point. (I do know that CHPY holds Nvidia). NVDY’s distros have been down the last 2 periods while CHPY is steady/climbing. I do hold NVDA at 1.7% of my port. FSELX as my only dedicated semiconductor fund at 2.4% of my portfolio.
If I sell NVDY, I would be taking a “loss” of 10% in terms of current value vs. coast basis, but it’s up 17% vs. my initial capital investment…and I have also been reinvesting 50% of my distros in more stable funds since the beginning of 2026.
Obviously the distro rate takes a hit, but I only want to be in one weekly YM fund. I wouldn’t need the income for a few years when I potentially semi-retire. Thanks for thoughts on if you would swap it out vs. sit tight.
how often does ULTY actually rebalance their holdings? or CHPY for that matter? i can't seem to get a clear answer on reddit/online. i'm going through the website and then prospectus right now, then filed forms available online, but when are they rebalanced?
i know of several people associated with filed forms on FTC / public info, but do they rebalance on mondays.... at will... monthly?
| Ticker | Distribution | %ofS$ | Closed | Rate | 30Day | ROC |
|---|---|---|---|---|---|---|
| AHD | $0.6071 | 0.0% | $0.00 | 28.94% | -- | -- |
| AMYY | $0.2401 ↓ -0.4% | 1.6% | $15.64 | 80.25% | 0.84% | 97.30% |
| ANV | $0.3495 | 0.0% | $0.00 | 16.93% | -- | 5.09% |
| ATC | $0.5814 | 0.0% | $0.00 | 35.17% | -- | 0.14% |
| AZYY | $0.1028 ↓ -1.5% | 0.7% | $15.11 | 35.24% | 0.44% | 93.45% |
| BBYY | $0.0919 ↓ -3.7% | 1.0% | $9.51 | 49.74% | 1.18% | 94.14% |
| BIOY | $0.2601 ↓ -3.6% | 1.2% | $23.07 | 59.54% | -- | 96.08% |
| COYY | $0.2605 ↑ 1.0% | 1.5% | $18.09 | 74.64% | 1.23% | 97.47% |
| CRY | $0.3523 ↓ -6.8% | 1.8% | $20.41 | 95.55% | 0.88% | 97.31% |
| CWY | $0.3022 ↓ -1.0% | 1.6% | $20.04 | 81.90% | -- | 96.87% |
| FBYY | $0.0702 ↑ 4.0% | 0.6% | $11.79 | 30.88% | 0.69% | 91.01% |
| FINY | $0.1249 ↑ 3.8% | 0.5% | $25.24 | 25.74% | -- | 0.00% |
| FIYY | $0.0227 ↓ -5.3% | 0.1% | $24.54 | 4.88% | -- | 52.76% |
| HMYY | $0.1092 ↓ -0.4% | 1.6% | $6.97 | 81.37% | 1.18% | 97.27% |
| HOYY | $0.0801 ↑ 1.0% | 1.5% | $5.64 | 73.87% | 1.10% | 96.50% |
| IOYY | $0.1538 ↓ -0.5% | 1.9% | $8.12 | 100.44% | 1.33% | 97.59% |
| MAAY | $0.1137 ↓ -4.4% | 1.7% | $6.72 | 92.84% | 0.82% | 97.72% |
| MRA | $0.8664 | 0.0% | $0.00 | 44.81% | -- | -- |
| MSR | $0.0000 | 0.0% | $0.00 | 0.00% | -- | 0.07% |
| MTYY | $0.2962 ↓ -4.2% | 1.6% | $19.43 | 78.75% | 1.24% | 97.28% |
| MUYY | $0.4518 ↓ -1.0% | 1.9% | $23.83 | 102.85% | -- | 71.61% |
| NUGY | $0.1686 ↑ 1.1% | 1.3% | $13.71 | 64.90% | 1.40% | 95.77% |
| NVYY | $0.1203 ↑ 0.7% | 1.0% | $12.58 | 49.62% | 0.73% | 95.02% |
| PLA | $0.4522 | 0.0% | $0.00 | 23.39% | -- | -- |
| PLYY | $0.0916 ↓ -2.1% | 1.1% | $8.76 | 54.29% | 1.37% | 95.25% |
| QBY | $0.1512 ↓ -0.4% | 1.9% | $8.06 | 98.11% | 0.63% | 97.90% |
| RGYY | $0.1448 ↓ -6.3% | 1.9% | $7.78 | 98.41% | 1.16% | 98.01% |
| RTYY | $0.2009 ↓ -6.1% | 1.7% | $11.82 | 93.46% | 1.67% | 100.00% |
| SCA | $0.8294 | 0.0% | $0.00 | 47.87% | -- | -- |
| SEMY | $0.2886 ↑ 1.2% | 1.9% | $15.60 | 96.98% | 0.33% | 43.03% |
| SMYY | $0.1295 ↓ -0.1% | 1.8% | $7.24 | 97.26% | 0.92% | 97.27% |
| TECY | $0.2128 ↓ -6.3% | 1.0% | $22.82 | 49.25% | -- | 95.12% |
| TLA | $0.4064 | 0.0% | $0.00 | 19.84% | -- | 4.27% |
| TMYY | $0.2836 ↑ 1.2% | 1.2% | $24.04 | 60.62% | -- | 0.00% |
| TQQY | $0.0981 ↓ -2.5% | 0.8% | $12.80 | 39.57% | 0.47% | 94.58% |
| TSYY | $0.2171 ↑ 1.7% | 1.0% | $22.61 | 48.62% | 1.31% | 95.96% |
| XBTY | $0.0432 ↓ -1.9% | 0.8% | $5.56 | 40.40% | 0.86% | 93.46% |
| XEY | $0.1849 ↓ -6.9% | 1.0% | $20.14 | 48.73% | 0.89% | 94.58% |
| YBST | $0.1356 ↓ -1.6% | 1.0% | $13.85 | 51.03% | 160.91% | 0.00% |
| YBTY | $0.1514 ↑ 11.9% | 1.2% | $12.64 | 62.89% | 321.29% | 0.00% |
| YSPY | $0.0518 ↑ 2.4% | 0.4% | $15.08 | 18.10% | 0.70% | 86.52% |
30day: 30 Day SEC Yield%ofS$: aka "Percent of Share Price"; The distribution as a percentage of the Friday market close price.is there a link to where yieldmax specifies criteria and timelines for ULTY's holdings?
It looks like we are getting $0.505 a share in this quarter distribution. I think 6.23% yield . I am curious how much ppl are holding right now and what is their current sentiment . I have a token 10 shares as I am still gunshy from ULTY and MSTY.
I am Thinking of putting more money into CHPY for my main ETF that pays good divs, what's the future hold for this stock 5+ yrs or even 10+ yrs from now? Will divs still be decent?
I update this daily, but this showcases some of the highest total returns & highest yield dividend ETFs with no price decay: https://topdividendetfs.com/top-total-returns
Enjoy!
$100,000 total. Been holding 6 months. So is this good or bad. Trying to post but it says my post must contain flair? What the hell is flair?
Anyone else finding the ROC tracking a nightmare?
The 19a notices come out weeks or months behind the actual distribution so you're constantly waiting to find out what the ROC% even was.
Then I have to go back and update everything in ShareSight, confirm each dividend and add a capital return trade for the ROC portion. With weekly payers the backlog just stacks up.
Curious if anyone's actually staying on top of this or if most people are just confirming everything as income and not bothering?
I'm looking for weekly or monthly income. Which would you choose and why?
Here's a list of the healthy YieldMax funds sorted on True Income Yield.
True Income Yield = Headline Yield × (1 − ROC%). It strips out return of capital so you're seeing what's actually earned, not just advertised.
AMDY -- 68.70% true income yield | 42.7% ROC
TSMY -- 41.13% true income yield | 21.54% ROC
QDTY -- 32.47% true income yield | 51.06% ROC
CHPY -- 30.32% true income yield | 0% ROC
GOOY -- 28.11% true income yield | 48.17% ROC
BIGY -- 12.14% true income yield | 87.1% ROC
SOXY -- 7.26% true income yield | 0% ROC
CHPY and SOXY are running clean with zero return of capital -- every dollar paid out is real earned income.
What's your favorite from this list?
i'm curious as i'm close.
Hey all,
Im tired of the normal dividends apps they are correct and have the worst UX\UI for it so i started building on my own.
For those of you who track this stuff strictly — what is the #1 thing standard trackers fail at that drives you crazy? (ROC tax basis? Reverse splits? DRIP drag?)
(Also, if a tool that does this strictly for covered-calls already exists, please drop a link so I don't waste 3 weeks of my life).
Up 84% in 5 days. Started this experiment with $100, that’s now up to $495 in about 2 months. Talk about house money amirite.
Also got confirmation of what I suspected in the past weeks regarding the yields https://x.com/graniteshares/status/2069403431203480003
I have a small position in CHPY and am considering whether to add more or diversify elsewhere. The yield is appealing, but is it sustainable over the next 4–5 years?
Seems terrible performance.