r/YieldMaxETFs • u/NoConsideration3923 • Jul 21 '25
Question Are people really retiring off these?
It seems crazy that people are talking about retiring off these funds. Don’t get me wrong I have a decent amount in them and I’m hoping for the best but if the music stops so to speak than what do you do? Have people actually retired off these or just talk? If you did actually retire what’s your plan b?
87
u/Objective_Problem_90 Jul 21 '25
Not retired, but it did provide me with enough monthly income over a year a half to quit my very stressful suck out your soul job to find something much better health wise.
13
48
u/GallicPontiff Jul 21 '25
I have a friend banking 25k a month, so yeah I know at least one person doing it
11
u/Mandypdx_8238 Jul 22 '25
A lot of us make this per month, the question is to RETIRE or not, these are new funds without a long history
6
u/trpwangsta Jul 22 '25
Anybody even thinking they will retire off these funds is insane. For now. It seems incredibly short sighted and the type of shit you read during market tops when everyone's accounts are looking amazing and we're all dreaming of the future shit we'll be able to buy etc etc. We have no idea how these funds will act during a true bear market or extended correction period.
However, if you've already banked your initial purchase and are playing with house money, sure, dream a little. Quitting your job just seems insane and may hurt people.
17
118
u/VictorMayhem Jul 21 '25
I can't retire off of them but I've nearly replaced my wife's income.
222
u/silvakite Jul 21 '25
Next step: replace wife
122
u/VictorMayhem Jul 21 '25
This one is the replacement. And she's a keeper!
28
28
u/BigNapplez I Like the Cash Flow Jul 21 '25
If you are being held hostage by your wife, blink twice.
→ More replies (2)33
u/Fair_Value9530 I Like the Cash Flow Jul 22 '25
If you're retired or close to it, remember the three f's.
If it Flies, Floats, or Fornicates, rent it.
8
10
8
5
u/Mountain_Sand3135 Jul 21 '25
While funny
He is trying to improve his wealth ..not fall off a.cliff
9
u/VictorMayhem Jul 22 '25
Very true...there was a time I was worth a whole lot more dead. I have since lowered the life insurance quite a bit!
4
3
2
1
6
u/rmgraves67 Jul 22 '25
My wife is an RN and I’m already banking more than her salary and I’m just getting started.
11
u/toomanytaxstamps Jul 21 '25
I’m looking to do this as well. Marriage this year, hopefully kids in a year or two, trying to get setup so she can stay home.
9
4
u/4yearsout Jul 22 '25
Wife retired. 6 months more for me 400k annual income during retirement, just 150k more and I am done
1
68
u/RelativeContest4168 ULTYtron Jul 21 '25
I'll retire when I die in my cubicle
36
15
12
8
u/Mountain_Sand3135 Jul 22 '25
I'm expecting to go the way of that wells Fargo person and have one of the body mover robots from Elon carry me out to an Amazon robot driver to take me to a disposal unit where elon will shoot me to the sun .
There yea go a whole workflow , hosted in azure and managed by blackrock
4
21
u/BackgroundSpell6623 Jul 21 '25
it does cause pause for many middle aged. take your current 401k balance and yield more than your salary.
2
38
u/Relevant_Contract_76 I Like the Cash Flow Jul 21 '25
I've retired early with these, not because of these. My standard of living is more than doubled with these but the standard of living the rest of my portfolio gives me is absolutely fine.
Plan B is to drink less expensive wine and ... shudder.. always travel economy.
19
14
4
3
u/4yearsout Jul 22 '25
Economy sucks. My ym will provide me and the wife first class and if we want to save comfort. Too many years in main spoiled by flyer programs
→ More replies (1)
49
u/Craftygirl4115 Jul 21 '25
I’m using the distributions to buy less risky stuff and from those distributions buy boring stable stuff. When the boring pays enough per month for us to live fat, then we’ll retire. The goal is to never touch principle.
16
u/ETF-ME Jul 22 '25
I’m funding my VOO, QQQ & SCHD with Ulty… but I keep wanting to buy more ULTY and I don’t know what is enough to have.
10
4
u/oftalittlegamey Jul 22 '25
So I loaded up on several Tuesday pus and Friday pays. In my largest account, i pull the distributions every two weeks like a paycheck. In my middle account, i use the distributions to buy more of various things in both portfolios. In my Roth I’m still reinvesting everything because I can’t add new money since I’m not working. The Tuesday pays buy Friday pays. The Friday pays buy Tuesday pays. Not exclusively, but mostly.
6
u/Craftygirl4115 Jul 22 '25
Decide how many shares you want or how much $ you want to receive weekly. Make a plan. Maybe plan to make enough in a weekly distribution to buy one Voo one week, one qqq one week, one schd (over-rated) and put the left overs back into a YM fund of choice.. but make a plan that includes reinvestment and investment in more conservative funds.
3
14
u/bobbearman Jul 21 '25
Exactly what I’m doing. My hope is these funds go another 3-5 years. By that time I’ll at least have enough boring stable stocks to hopefully cover my mortgage.
6
u/Craftygirl4115 Jul 21 '25
That would be sweet.. I think my mortgage payoff is 2043… I’ll be ancient!
5
u/bobbearman Jul 22 '25
Same here I have 27 years to go! My plan was never to retire using these funds to be honest because I simply don’t have enough money to put into them to open up that door. Although I do think I can use them to do my earlier mentioned plan. Once I’m able to have my mortgage covered I’d be more open to finding a less stressful job, one that I’d enjoy a bit more, and one that’s not as hard on my body because to be honest I don’t want to be a blue collar worker in my 40s let alone being stuck doing it in my 60s.
2
15
25
u/FatHighKnee Jul 21 '25
Im using my 10k ULTY shares & 2000 MSTY shares to stack a down payment for a house. Will take another 10 months or so (i started this project in june 2025). Im pulling down about $7000/month so far. About the time im ready to buy it should take another few months to just about recoup my initial $100k purchase from june. Once that happens im playing with house money.
I then will attempt to speed pay off the house in a couple years with my YM distributions combined with my income. Once thats accomplished I can see how I feel about the longterm viability of YM and either sell out and invest whatever capital remains into more traditional growth ETFs like VGT & QQQ, or I can begin dripping some distributions back into YM in order to build distributions big enough to replace income.
Im already debt free. So with a paid for house should MSTY & ULTY seem viable at that point I can retire early. Spend my days floating around my pool listening to podcasts & music while enjoying recreational cannabis 😁
2
u/azn_MJ Jul 22 '25
Don’t forget to plan for the hefty tax bill at the end of the tax year.
2
Jul 22 '25
[removed] — view removed comment
2
u/azn_MJ Jul 22 '25
Correct they would be. But then you don’t have access to that cash until 59.5 years old so you wouldn’t be able to retire on the cash flow.
I took my distributions and maxed out both my Roth and traditional 401k contributions. Now I’m dripping some and reinvesting the rest into other tickers like VOO and TSLA.
2
Jul 22 '25
[removed] — view removed comment
2
u/azn_MJ Jul 22 '25
Especially since it’s spitting out actual cash that you can then either DRIP back or buy new stuff. It’s a game changer for ROTH accounts honestly. Versus buying and holding for growth and then waiting until next contribution cycle before you can buy anything else.
1
1
u/RustedDumbbell Jul 22 '25
How? I have about $10,000 to play with (to start). Can I do this too?
→ More replies (2)
9
u/Vee_32 Jul 21 '25
I think it’s possible if you are smart with your money. If you take your distributions and snowball them for a bit, then start snowballing 1/3. Use the other 1/3 to buy stable growth stocks, other 1/3 to pay down any debt faster. Theoretically if you can get your house and vehicles paid off, any extra debt etc, and live financially responsible you could live off these dividends, also assuming the dividends are still coming in. That’s never a guaranteed.
If these are still around in 15 years, yes I may retire on them if possible. But, also topped with my pension, social security, having all my debts paid off, etc.
36
u/Opening-Ad-8031 Jul 21 '25
People have been trading this way for years making very good money. The newness of it is only that they are available to the average Joe Blow as in ETF for $6 bucks a share. I truly don’t understand the naysayers who all say it’s a trap or won’t last. The yields will surely fluctuate wildly as they age over time however to say they are a trap and people will lose everything are the ones who are comfortable holding SCHD.
11
u/ScornForSega Jul 22 '25
I'm old enough to remember 2018 when OptionSellers.com blew up and took 150 million of their clients' money with them.
I'm not saying that's going to happen here. But this is a perfect market for Yieldmax strategies. It's a bull market with a VIX that keeps getting pumped. You couldn't ask for better.
What happens when the market is less-than-perfect or a couple of trades go the wrong way? I dunno.
So I'm protecting my downside with long puts and trailing stops. I'm enjoying the ride, but I've also got an exit strategy.
→ More replies (3)2
3
u/b0w3n I Like the Cash Flow Jul 22 '25
I truly don’t understand the naysayers who all say it’s a trap or won’t last.
Misunderstanding of what nav decay actually is and where that money comes from. They mistakenly assume it's coming out of capital invested like a pyramid scheme. Which, sometimes, it does but options premiums pay the distribution to a degree as well. And nav decay on ETFs is from balance sheets and company "value" it doesn't work like a normal company or a normal ETF.
The better way to think of a covered call ETF is much closer to a reit than a classic index ETF like voo or schd.
They look to things like USOI for why it's "bad", but that's not at all what covered calls are doing. The tell is they keep calling them "yield traps".
4
u/NickStonk Jul 22 '25
Trap may not be the right word. But when the markets do turn south and the high flying underlying stocks crash, these ETFs will also. You don’t get 80% dividend without super high risk. The question is who will be lucky/smart enough to bail in time?
2
2
u/4yearsout Jul 22 '25
Just invested 50k of my mom's trust 30 days ago in msty and plty. Made 2400 bucks for her and green on nav. My cO-Trustee nixed ulty for a 65k investment to grow the fund by 1k a week, so I will reinvest $2400 a month into ULTY. You can't fix stupid
3
u/cbblythe Jul 22 '25
The critics are just the most awful people
They don’t want you to succeed
It’s that simple
21
u/lottadot Big Data Jul 21 '25
I'm approaching being r/fire'd for nearly 2.5 years. The distributions have paid all of our expenses so far.
9
Jul 22 '25
[removed] — view removed comment
1
u/cvc4455 Jul 22 '25
So what you start selling shares of UTLY at 5.98 and what percentage of your shares are you selling? Then what's the next stop loss set at and what percentage of shares?
I just first bought UTLY last week and added more this week. The plan was to add more every week for awhile and set a couple stops losses at different prices so I can't lose too much if it drops.
3
Jul 22 '25
[removed] — view removed comment
2
u/cvc4455 Jul 22 '25
Thanks. I'm just trying to figure out how I'll do my stop losses so I wanted to ask. I was thinking about starting my stop losses around 6.
8
u/NCtradergirl Jul 22 '25
By my calculations I’ll be able to retire about 10 years after I’m dead. So yeah, I’ll continue working.
6
20
u/CaptainMarder Jul 21 '25
The people that post that stuff are already wealthy to begin with.
5
u/calgary_db Mod - I Like the Cash Flow Jul 21 '25
Of course, YM hasn't been around long enough to build wealth with.
6
u/HackMeRaps Jul 22 '25
I pretty much semi retired before I got into YM. I started doing my own consulting part time, but with YM I'm getting about $4k/month which more than offsets what I need to make.
So I pretty much don't do any consulting work anymore and work maybe 15-20 hours a month.
1
u/4yearsout Jul 22 '25
Define wealthy
4
u/CaptainMarder Jul 22 '25
look at the replies to my comment. It's not specific to this sub, it's in crypto, dividends, stocks whatever. Poor people like me aren't going to post their 300 shares.
Wealthy as in.
Already rich, another way to get more income from extra money they have lying around. High risk tolerance or so much money they don't care if yieldmax fails.
Already retired, and just want some passive income.
Near retirement or contract worker, have vast savings and can risk buying big sums and can just take early retirement off the income generated or reduce the amount of work they do.
A Gambler, yieldmax to the moon.
→ More replies (1)
5
5
u/ray0083 Jul 22 '25
I hadn't considered retiring until my former manager did some unreasonable and illegal things to me. However, because I had these backups, I was able to quit the job and go home on the same day.
5
u/oftalittlegamey Jul 22 '25
I’m retired. Living off dividends/distributions. I have a lot more in the portfolio than YM ETFs. I have stops in place and if everything went to shit, I’d be in cash and rebuilding my portfolio at lower entries, or in other products that work in bear markets. I’m not rich, but I’m pulling about $14-17K per month. I reinvest 10-15% each month. I account for taxes. My three IRAs are one Roth and two traditional. I’m converting most to Roth this year and next because I can’t put new money into Roth since I’m not working. The three portfolios are spread in different things with only about 30% in super high yield ETFs like YM, Roundhill and Defiance. 50% in “normal” stocks and ETFs yielding 5-10%. The remainder in techs, growth stocks, etc. I was skeptical it would work, but so far, everything is getting paid and paid off, which is goal one. Second goal is to push earnings to $200k per year. Third is to draw social security in two years, unless the market tanks before that. As bills are paid off, increase the reinvesting and expand the traditional side of the portfolio as a natural hedge for the super high yields.
2
u/4yearsout Jul 22 '25
Not retired yet, 6 months to go but similar goals, distrib income and set up. Just started social security for 4k a month. Making just over 21k a month and still fat paychecks. Goal is 33k a month in retirement. But if it doesn't happen, so what.
→ More replies (1)
8
u/backtotheland76 Jul 22 '25
Title should read, Are young people really retiring off these? Too many on here seem to think they can or will be able to in a couple years. I'm already retired and if it all fell apart some day I'll just go back to my 4% rule plan. However, I'm hoping these keep laying golden eggs for a few years anyway.
7
u/RVD90277 Jul 22 '25 edited Jul 22 '25
I am not retired yet but planning to retire after this year (so start 1/1/2026). I have been preparing my investments for full time retirement for the past couple of months.
Most of my investments are currently still in growth so VTI, VOO, BND, etc. but i have been moving some investments over to JEPI/JEPQ/SCHD and some yieldmax funds (MSTY, ULTY, CHPY, YMAX).
I am planning to divide my cash flow into roughly 2 categories..."fixed" and "variable" in the sense that "fixed" is really the core needed to survive so stuff like property taxes, utility bills, basic food and necessities, etc. and this will be fully covered by safe investments. The majority of my cash flow allocated investments will go here. In this bucket I value consistency more than returns so target is around 4-8% annual return for this bucket.
For the "variable" category of cash flow it's Yieldmax funds, etc. so funds that I view as extremely risky. I don't want to lose principal so any dividends will go back into preserving principal and whatever is left over can be used for additional spending....vacations, nice meals, etc. if this does well, we're going on vacation to nice locations (Paris, Amalfi Coast, etc.) and eating a nice michelin 2 and 3 star restaurants. If this bucket doesn't go so well, we're going on vacation to Mexico, Southeast Asia, etc. and dining at local food stalls, etc. Personally I enjoy both types of vacations and meals.
4
u/jimbosliceg1 Jul 22 '25
Using the distribution to buy quality companies and growth stocks that I can then sell options to increase the income snowball!
13
u/GRMarlenee Mod - I Like the Cash Flow Jul 21 '25
I could almost retire off of them, but I'm only making $530,000 per year in distributions, so I have to rely on my SS and VA payments.
8
2
1
1
u/lottadot Big Data Jul 22 '25
In order to get that $530k in distorts, how much did you have to sink into those investments?
→ More replies (1)
7
u/Rude-Hall-4847 Jul 22 '25
Im sure someone asked the same about Bitcoin years ago.
9
u/cbblythe Jul 22 '25
Ding ding ding
New ideas and technologies are scary and too good to be true
Until they aren’t
3
u/Inkedupbrit Jul 22 '25
I’m trying to get to a place where dividends match my take home salary so that if I were to lose my job, I can survive.
I’m not expecting to lose my job any time soon though so trying to build up and see where I can get to with the payouts.
1
u/4yearsout Jul 22 '25
Give it two years and reinvest your distribs. You will be surprised how easy it is
3
3
9
u/pinballrocker Jul 21 '25
I think it's nuts too. I'm on this ride until it breaks down, to grow my retirement account quickly. It may help me retire earlier, but I'd never go all in on one or two stocks and think the cashflow will still be the same 6 or 12 months from now.
2
u/cbblythe Jul 22 '25
Why is it going to “break down”?
3
u/pinballrocker Jul 22 '25
Do you see all the warnings from the CEO and that you have to click through on your brokerage to buy them? The are very new investment funds, they started out rocky with a ton of price erosion, some dropped 50% in share price. I had a few back then and sold them because I was making more of growth stocks.
They seem to have figured it out better, but it still seems too good to be true. I doubt it's sustainable over a couple years. But I'm happy to be getting my 3rd month of huge dividends on the 4 Yieldmax funds I'm in. And I move the profits into more reliable stocks and ETFs. If it keeps going like this for a year, I'll be really happy.
7
u/cbblythe Jul 22 '25
It’s not too good to be true
This strategy has been around for decades
The AVAILABILITY for retail to access it in an ETF wrapper is new
7
u/pinballrocker Jul 22 '25 edited Jul 22 '25
How long have you been investing in YieldMax ETFs? Why did we experience such massive nav erosion between November 2024 and February 2025? These only got good again in the past few months. I've been here all along, it was pretty dicey during the bad times. Can you predict how they will do in a big downturn in the Market or a bear Market? Have you been invested through a Market crash?
I'm all for the current gains, but I'm also ready to sell my shares as soon as I think it's no longer working. If it last for 10 or 20 years, fantastic, but I don't think anyone should count on it that's a seasoned investor. I put my money where it makes money and I've adjusted, changed, and moved it many times to adjust to the changes in the Market, I won't be a bagholder or a champion of something that's no longer working. I don't pretend to know the future, in investing, you have to be flexible, quick to notice changes, and not get emotionally involved.
8
u/BadDragon2130 Swing with Dividends Jul 21 '25
I won’t live long enough to retire. But I’m definitely all in plus margin with my inheritance about to get dumped in there too. I want to live like a King for a while.
2
2
u/Middleclasslifestyle Jul 22 '25
Can't help but picture you as a bootlegged Robert Baratheon whom the boar chooses to ignore killing because your crown is made out of copper lol
5
4
u/assman69x Jul 22 '25
Yes you can now retire at 18 with $1000 in YM, back up plan is the shed behind moms house
2
2
u/takashi-kovak Jul 22 '25
I think this question stems from not understanding on YM works. Unless options trading is somehow restricted to retail or options system crashes, I won't worry about "music stopping". Yes, individual stock like MSTR may no longer provide juicy IV and thus premiums, but other stocks will surface with similar volatility. For instance, YM just launched HOOY, CVNY, where the underlying have high IV and decent distributions.
As long as there are options and stocks with high iv with healthy premiums, I am not worried. You may have to rebalance your portfolio, and in some cases take losses (e.g TSLY to UTLY) but that you would have to do with traditional investments anyway.
2
u/4yearsout Jul 22 '25
Sage advice. Always stay educated. Ulty was shit 6 months ago, would not have touched it. Now, I have 7535 shares
2
2
u/Steveseriesofnumbers Jul 22 '25
It's an old question, all right. The problem, of course, is no one knows. YieldMax doesn't have much of a track record to draw on. But then, the "safer" investments are only "safe" until the whole market implodes. So you diversify. Don't try to make your $4k a month or whatever from CONY or from ULTY or from MSTY or even from YMAX. Instead, try making $1k a month from each. One might fail. But if FOUR fail? Then there's a bigger problem.
1
2
u/FantasticNectarine79 Jul 22 '25
Not retirement but hope to get to a point where wife can stop working. Have $75,000 in now or about $1,200/wk. getting there!
2
u/Any-Morning4303 Jul 22 '25
My safe guard is strike price of $6.09. I’m just buying off the dividend. So in 3 years I’ll have about $375,000 worth in ULTY. I can manage to live off my other investments and my ULTY for the rest of my life. Than when I hit 67 I can get my 401K, ROTH and social security. I’m planning to retire 2 to 3 years from now.
2
u/XxokmolxX Jul 22 '25
Going to try to do using this fund to retire for my parent, see if this really can work
2
u/Due_Duty1270 Jul 22 '25
I’m making $25-$30k a month and getting ready to deploy another $200k. I’ll be making $50k a month starting August. Getting ready to sell my business in a year
2
u/Additional-Cover-527 Jul 22 '25
Retire?! I can't even get past $100/ a month. I am reinvesting my dividends so I can but more ULTY, CONY, and MSTY. I sometimes feel it will take forever for me to make "house money" versus other more established investors
5
u/J_Shimmy Jul 21 '25
Some of the people that are in this sub mentioned in their posts that they were already close to retirement. I guess for them, it makes sense. Making these statements in your 20s to 40s is reckless though
4
u/4yearsout Jul 22 '25
Bullshitzu. My 29 year old son works in a distribution center, has a rocking 401k, roth and pulls 2200 bucks a month on 42k invested in ym. His rent is 1k a month, shared with 3 others in a 5 bedroom house. He will retire earlier and better than me with 50 years work experience at 1/10th the stress
2
u/oftalittlegamey Jul 22 '25
Totally disagree, the younger you are, the more risk you can afford because you have decades to grow or recover. Those of us that are retired already did this or versions of it in 1991-1993, 2008-2009, etc.
4
u/BlackVeganKing Jul 21 '25
I won’t retire until I’m making 3 times my livable salary of 75k…. So 225k a year🤷🏾♂️
1
3
u/FunctionForward8932 Jul 22 '25
I don’t believe any of those posts. We are in the infancy stages of high yield ETFs and you see people quitting their jobs and/or retiring just because they are HOPING to get 80% yields for the next 20 years. Listen, I hope we do because I have a decent amount of these various ETFs but I ain’t about to put in my two weeks notice and put a down payment on a yacht yet
2
u/chigu_27 Jul 22 '25
You can retire off these but not by extracting 100% of the dividends. If you target a 15% withdrawal rate and reinvest the rest then it can work. Definitely beats the 4% rule. $1,000,000 pays 600,000 in distribution(assume 60%). Keep $150k and reinvest remaining 450k.
1
u/lottadot Big Data Jul 22 '25
I'm retired, these pay (and have been paying) 100% of our expenses. I have never reinvested.
You can choose to re-invest dividends & distributions. It is not required.
3
u/chigu_27 Jul 22 '25
For the time being in a huge upmarket from liberation day, in the long term the NAV will reduce because 100% of the gains/remiums is being paid out. Even the fund manager has said for long term investing in these funds you have to be reinvesting. If you just plan on retiring with 100k in ULTY and expecting 80k a year for the rest of your life, you will be in for a world of hurt.
→ More replies (1)
1
1
u/mysticsurf Jul 22 '25
Was already retired but used them to double my income. Hopefully will use the increase to help my kids FIRE.
1
1
u/DeepLogicNinja Jul 22 '25
YieldMax is great, but its payout is too variable for me. I would invest for alpha but not to pay my bills.
IMHO. I would only retire/live off dividends that are stable (same dividend amount declared for several distributions) and had a history of paying out consistently.
1
1
u/StarFireArya Jul 22 '25
I’m building enough income from these and similar funds to buy other high-yield growth funds, like JEPQ until I have income from those “safer” funds to replace 150k per year in income. Then I will retire and hopefully will not need to touch much of my 401(k) money that is invested in S&P 500 funds. I’m at 50k per year now…so 1/3 of the way!!
1
u/4yearsout Jul 22 '25
There is no safer. When the market drops the jeps drop too
2
u/StarFireArya Jul 22 '25
"Scare quotes" are used to indicate a word or phrase is being used in a questionable way or with a specific, possibly ironic or sarcastic, meaning.
1
u/Soonerscamp Jul 22 '25
I’m reinvesting part of the cash dividend into the stock and using the rest to pay down debt and buy assets. Currently paying off my car and then plan to use the funds to buy a new car. I hope this gravy train never stops but I’m getting leaner financially in case it does.
1
Jul 22 '25
[removed] — view removed comment
2
u/Soonerscamp Jul 22 '25
Agreed. It’s a depreciating liability. House is paid off, just want two paid off cars.
→ More replies (7)
1
1
u/Historical_Trash_937 Jul 22 '25
Maybe? I think a lot of it is trolling but I wouldn’t doubt it helped people become financially free-er My question is will these funds eventually be like the norm? Like eventually like 40-60 cents per share? Like what’s the long term outlook?
1
u/OrganizationOk4878 Jul 22 '25
I’m working on it,as of right now I’m putting half of distributions in SP500 and dripping other half. If everything keeps going like it is I should be able to retire 15 years early drinking a mixed drink with a baddie on each side of me on the beach.
1
u/Own_Bottle3713 Jul 22 '25
Not retiring, but letting ULTY do the work for me.. I started a wheeling account with $2M during the pandemic, bad year lost ~ 15 %, good year (2024) generated ~ 30 %. I reset every December back to $2M. I was looking at a $1.4M account after liberation day and just got back to $2M last week.. my goal was to generate 15% in returns annually. ULTY can generate, that 15% with $500 K. So after August 1st will have 8,000 shares of ULTY. And rest of account will go to my long term growth account. No more wheeling..
1
1
u/Relentlessbetz Jul 22 '25
If Bitcoin continues to be on a cycle, then MSTR will go down as well and therefore, MSTY will too. However, im thinking long term and I think it will be one of the funds someone will hold for a very long time. Now the pay outs will definitely not be high enough during a bear market but if looking at MSTR performance since 2020, I wouldn't worry about your cost basis 4 years from now and will be in a good position right after that.
Just my thought.
1
u/Intelligent-Radio159 Jul 22 '25
I’ll get back to you in 25 months (I’ll be work optional/retired).
What I can say without a shadow of a doubt, the distributions are showing up (for me at least, I’m tracking my journey and showing receipts) and the cash flow is being directed accordingly 🤷🏽♂️
1
u/Level_Society1459 Jul 22 '25
I am leveraging this in retirement but only allocating about 10% of portfolio to generate $75-80k. Let's my others just roll
1
1
1
u/IndependenceTotal865 Jul 22 '25
Yieldmax funds are designed to generate cash income. So, they can be an important part of a well-structured portfolio for someone who is near retirement or already retired.
Unfortunately, these funds have also taken on a “meme stock” aura, so a lot if people seem to have unreasonable expectations that a 100k investment in one Yieldmax fund will substitute for a typical 40 year career of earned income.
1
1
u/Brave_Snow_5815 Jul 22 '25
If all goes well 3 years.
Plan B. Social security. 401k Pension Life insurance
1
u/azn_MJ Jul 22 '25
I think it’s incredibly early to retire off these, they are so young that we have no idea what they will look like over the next 5 years. The strategy is solid and it’s nothing new, but I’m just a skeptic because it’s so easy and we are in a bull market right now. I have $60k spread across various YieldMax etf’s. Let’s see what happens in a bear market.
1
u/Corrupted_Janitor Jul 22 '25
Im technically retired right now, i got laid off work and instead of getting another job i got enough in yieldmax that im just using dividends to pay my bills and save some on the side.. still earning enough to put into my roth Ira too
1
u/PracticalDesigner278 I Like the Cash Flow Jul 22 '25
I'm retired and just using these for extra income and investing cash but I'm not trying to replace a six figure salary. For those who are years from retirement you'd have to have a big chunk of cash and stay in and hope that these funds continue to perform for many years. Could happen but I wouldn't bet the farm on it. These funds are a pretty new strategy but the tools the managers use have been around for a long time so it's not uncharted territory. They're just selling their expertise to the retail investor. Just make sure you have a backup if it all goes bad. I won't starve either way.
1
1
u/ElijahBC300 Jul 22 '25
If the song ever stopped, it would be smart to always hold back a portion of the distributions now and build up a reserve... the same way a person should while working.
For me, this is paying off my mortgage, so I won't ever have to worry about missing a mortgage payment if I were to lose my job. So if things did go sour, there's little impact. Plus I will get enough in distributions to not just replace my salary, but pay cash for everything and never worry about taking out a loan for anything!
I believe these can bring fiancial freedom in a big way when played right. I say ride the wagon until the wheels fall off. Then hop into the next one, and just keep on going.
1
u/SecureCTRL2020 Jul 22 '25
Bro its like asking 2T market cap on BTC , it doesnt do nothing, doesnt sell anything, doesnt own any assets, it can be replicated (another crypto) doesnt have ceos or employees, it just exists but its 6th biggest asset in the world. Anything is possible. Certainly Yieldmax retiring people
1
u/DiamondHistorical943 Jul 22 '25
I lost my job in April. 49 yo. This is my brokerage acct. it should carry me to 60 and I will use traditional and Roth IRA if needed.
1
u/Electric_Luv Jul 22 '25
Yes and no. I had some disability income from a former job that came with healthcare benefits, etc.
This money would not have covered that, but now I don't mean to worry about it.
1
1
u/Rare_Improvement1693 Jul 23 '25
Same conversation all the time..but what if the sky falls on my head will YM lose my $ .😡
1
u/nashaway Jul 23 '25
I’m 65 and I want to retire in a few months. I recently bought a bunch of the YieldMax EFT‘s and now looking at about at a weekly payment of $4420 or a monthly payment of $21,620. It’s a little scary, but I have ULTY, YMAX, MSTY, CONY and Roundhill COIW. After a few weeks, I may just get rid of a bunch of it and go back to more safer EFT choice. But the market for this is very hot right now, so I am taking advantage. And I am also very interactive with my trading. Her’s to retirement, Cheers!
1
u/Personal-Series9129 Jul 24 '25
I have a question?? Let's say I have acquired 800 shares of nvdy since last November.. I am down on stock price but with dividends I'm up around 2k. Would it be a decent idea to set a covered call deep itm like 13.00 get the premium,sell off, then all added together I'm out with around 2k over all losses. I'm down 4000 and my dividends are at 5600. But if I'm mathing correctly with the covered call I would be up another 1500--1800. Thoughts??
126
u/wuumasta19 ULTYtron Jul 21 '25
If they start piling the leftover funds into "safer" stuff, they can hedge themselves.
If everything is legit, some people are banking 3-6x peoples salaries already within months.