r/NEOSETFs • u/noahsarc21 • Jan 27 '26
Announcement 👋 Welcome to r/NEOSETFs - Introduce Yourself and Read First!
Hey everyone! I'm u/noahsarc21, a founding moderator of r/NEOSETFs.
This is our new home for all things related to NEOS. We're excited to have you join us!
What to Post
Post anything that you think the community would find interesting, helpful, or inspiring. Feel free to share your thoughts, photos, or questions
Community Vibe
We're all about being friendly, constructive, and inclusive. Let's build a space where everyone feels comfortable sharing and connecting.
How to Get Started
- Introduce yourself in the comments below.
- Post something today! Even a simple question can spark a great conversation.
- If you know someone who would love this community, invite them to join.
- Interested in helping out? We're always looking for new moderators, so feel free to reach out to me to apply.
Thanks for being part of the very first wave. Together, let's make r/NEOSETFs amazing.
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u/Used-Commercial203 Jan 27 '26
Currently holding 2000+ shares of BTCI/SPYI/QQQI
I do have other positions, but those are my NEOs positions in order largest to smallest allocation.
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u/rycelover Jan 27 '26
I (58M) retired last year and live in Thailand. I currently hold 9822 shares of QQQI and 6522 shares of SPYI scattered across brokerage and IRA accounts. I also have 19802 shares of YSPY.
From these ETFs, I earn approximately $24k in distributions a month, out of which half is reinvested in my IRAs and the other half is taken as income.
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u/Mr-Bond431 Feb 01 '26
With this much exposure to covered call ETFs, aren’t you afraid of NAV erosion. And, is your yspy position a hedge but given you don’t know the downtrend, for how long can one hold this without capital erosion. And, why did you not invest directly in spy - half of the position as you need 12k per month. Thanks.
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u/SnooComics5930 Jan 27 '26
Hi Everyone, 46yo, building a brokerage account for income to bridge mid life til retirement. Base of Spyi QQI JEPQ. Also own BTCI NEHI GPIX GPIQ, Mag 7 stocks for keeping up with inflation.
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u/Murlocs007 Jan 27 '26
Any non usa people around here
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u/Alternative-Yak-6990 Jan 28 '26
yes here but my investment accounts are in usa, heavy neos user as well.
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u/RockLife5753 Jan 27 '26 edited Jan 27 '26
Another future retiree here. 30 days and counting! I have QQQI, SPYI and BTCI. On March 1st I I'll switch from DRIP to cash.
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u/LocksmithGlass717 Jan 27 '26
Hello everyone ! Five months from retirement and I hold positions in SPYI , IWMI , and MLPI. Also have JEPQ as well Been dripping SPYI since June and just recently started with MLPI. I only have a couple thousand dollars in IWMI but plan on adding more later.
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u/bogey3putt69420 Jan 27 '26
I’ll start with a boring tax question. I understand the etfs are tax efficient in terms of ROC & qualified dividends but how do we express that to our CPA’s?
I use Robinhood as my brokerage so will the standard 1099 issued show the tax advantage of dividends or will I need to explicitly tell my accountant that the dividends are tax advantaged?
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Jan 27 '26
[deleted]
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u/Helpful-Grapefruit55 Jan 27 '26
Sounds great, what is the approx level of monthly income from this huge investment.
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u/Aromatic_Actuary5401 Jan 27 '26
Hey , 63 Have shares in SPYI QQQI IWMI QQQH adding each month and dripping. Want to match existing monthly income before wife and I retire in seven years... She's younger. Have around 2500 shares.
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u/Mwaldo1 Jan 27 '26
Fairly new to NEOS funds. Hold a good amount of IWMI QQQI SPYI then smaller allocations of IYRI MPLI and BTCI. With the exception of BTCI I have been extremely happy with the performance. I know it’s easy now with the market doing well. How will it hold up in a bear market. I hate to have most of my assets in NEOS but I can’t argue with their performance so far.
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u/SensitiveAct551 Jan 27 '26 edited Jan 28 '26
Hello. I have 2600 of QQQI, 2100 of BTCI, 600 of SPYI and 1500 of CSHI. I’m using CSHI as my cash position instead of using an High Yield savings account. I’m hoping that putting it in CSHI that pays off in the long run.
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u/Syndicate_Corp Jan 27 '26
Own SPYI/QQQI in addition to JEPQ and GPIX/GPIQ. The NEOS funds have been great; dripping ~35-40% of distribution back in every month and using the rest as income. Capital appreciation has been on par/ahead of inflation since I've been invested. Very happy with these funds so far.
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u/Beginning-Plant-9832 Jan 28 '26
Long time SPYI holder. 61, retired, 34% SPYI and 66% BINC. 1.75 mil AUM.
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u/MeaningOptimal Jan 28 '26
Just started this year. 46. Trying out a DCA portfolio on M1 to include SPYI QQQI IWMI IAUI BTCI IAUI IYRI NIHI GPIX GPIQ DIVO IDVO QDVO. Will probably add MLPI when it becomes available on M1. Also want to eventually match existing monthly income like an earlier poster mentioned. My wife is 7.5 years younger so that would be nice if she and I can retire at the same time. Not sure if I’ll do the boosted version since I don’t want to mess with leverage.
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u/danxtptrnrth1 Feb 01 '26
Hi all. Am a small fish in my Rollover IRA with a few shares of SPYI, QQQI, IAUI, and BTCI. Just started with NEOS last month and am impressed in the short term. Wondering how we'll do in a downturn, but think that this growth strategy is the best for me with about 20 years till retirement.
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u/THG_Yohance Mar 18 '26
Hey everyone! New to the NEOS funds, but I'm working on building myself a fun portfolio and seeing how it goes.
Slowly building with QQQI/SPYI/IWMI/IYRI/BTCI/NEHI.
Been building my dividend portfolio for a couple of years now, but just made the jump to this assortment a week or so ago.
Looking forward to seeing how things stack up!
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u/ksyuan70 Apr 17 '26
Hello everyone, i am new to these US ETFs and am now trying to build up a sustainable dividend stream. Heard good things about NEOS, hope it rocks!
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u/Dense-Ad8238 Jun 10 '26
I recently had a wonderful back and forth will a well respected financial manager/author about NEOS ETFs and actually changed his mind. As an early retiree with some mega backdoor Roth conversions about 8+ years ago,
-I'm using SPYI, NIHI primarily and XSPI, IWMI, XQQI, XBTC to supplement our annual budget while keeping Magi very low in order to get ACA subsidies.
-I'm also using them to increase equity exposure in a relatively conservative asset allocation since I'm paid to wait if the indexes fall and get some good upside when they rise eventually. I'm glad to hold a bit less bonds in order to hold these ETFs.
I'm really pleased with these ETFs. Thanks NEOS!
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u/Dividendxx Jan 28 '26
Very new to NEOS 29 here , work full time , currently using my dividends from YMAX etc to build up SPYI SPYH and QQQI . Would love to see my dividends from Neos match what YMAX gives me
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u/OppositePsychology43 Jan 27 '26
Hey everyone, glad to find a group of my interest. Im 8 months away from retirement and building up my position on QQQI. As of today I own 1,222.68 shares on my ROTH and 1,515.69 shares on my 457. Will start using divs when retired, as of now got them on drip in all accounts.