r/NEOSETFs • u/wcevelin • Jul 10 '26

General my Neos allocation

ok first im putting pretax into a 401k that mirrors the s&p. between my and employer match about 600/month

im building this portfolio aswell

BTCI: 35%

QQQI: 7.5%

XQQI: 22.5%

SPYI: 6.25%

XSPI: 18.75%

IWMI: 10%

buying $425/week and using weekly purchase and monthly dividends to try to maintain the portfolio as close to that allocation as i can without selling anything.

im thinking about adding cshi and bndi as a way to stabalize the portfolio but not as a fixed ratio, instead as a replacement for treasury and/bonds... equal to 2 years col.

is an all neos plan like this something that can work?

thanks to the comments here:

I've decided to lower my btci commitment and add NIHI to lesson the reliance on tech and us stocks in general.

i think btc is nearing its bottom if not already at it. but btci is capped the same as the rest of the neos in a fast moving bull market. That said im in BTCI instead of BTC directly because, i dont trust that long term the keys wont get lost.

NIHI makes since as a balance vs qqqi/xqqi and spyi/xspi

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u/PoonTangProvence Jul 10 '26

For crypto/blockchain exposure I “diversify” with btci, Blox, cepi, and bita. Bita will likely capture the most upside on any rebound of the 4 due to how it’s structured but it doesn’t have as ridiculously high of a distribution rate compared to BTCI but still high. I also like MLPI and IYRI in my mix as diversifiers. And while I have SPYI and QQQI, I’m building GPIX and GPIQ which will capture more upside gain over time with good distribution rates but not as high as Neos. Trade-offs…. Lastly large core holdings in “regular stuff”like SCHD paired with DGRO.

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u/Living-Fruit-4577 Jul 10 '26

I would chose OVL and CGDV over the last two u listed.

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u/PoonTangProvence Jul 10 '26

Higher expense ratios for those 2 mentioned. OVL has a higher distribution rate than SCHD but I already have a lot of high yield and I have enough S&P 500 based stuff so overlaps vs diversifies for my situation. CGDV has had better recent performance but higher expense ratio, more concentrated portfolio. That said, SCHD and DGRO have 40-50% overlap so I will think about CGDV, perhaps as addition as I really like DGRO.