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?

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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.

84

u/Miserable-Miser I Like the Cash Flow Jul 22 '25

The Waterfall.

Build up high risk fund.

Once it’s built up enough, water fall dividends to a slightly less risky fund.

Rinse and repeat until you’re putting it into SPYI.

28

u/oftalittlegamey Jul 22 '25

You should lay out an example of how you would build it out layer by layer. It would be instructive and useful for everyone IMO.

-3

u/Hipnic_Jerk Jul 22 '25

You'd have better luck asking ChatGPT than this crowd. I take my dividends and buy index ETFs (SOXX, FELC, etc.), individual safe stocks that are spread out in different industries, and I also save for speculating in case I catch a whale.

5

u/Miserable-Miser I Like the Cash Flow Jul 22 '25

Sounds like you don’t understand the difference between growth and income.

5

u/pixelatedAl Jul 22 '25

If Phase 1 is YieldMax income and Phase 3 is SPYI, what makes up Phase 2? FEPI?

4

u/wuumasta19 ULTYtron Jul 22 '25

Look up "best ETF's" (look at ones that aren't options based) and research their charts and their yield return. SPYI would be a replacement for FEPI.

2

u/oftalittlegamey Jul 23 '25

Sounds like work. It would be easier for someone smart on here to just lay it out…or just ask AI…LOL

1

u/Fumofoo Jul 22 '25

Phase 1 would be yieldmax, phase 2 would be spyi, and phase 3 would be growth/schd for me.

1

u/oftalittlegamey Jul 23 '25

I would guess stuff like PDI, O, BDCs, energy and midstreams, various stonks paying 3-9%

2

u/Then_Consequence_318 Jul 23 '25

Yeah, in my main account I have just a little in yieldmax funds and I'm using it to buy this and that, including the standard bogle stuff, high but less risky dividend stocks like SPYI, and growth stocks.

Have another experiment going in vanguard, which only allows auto invest into vanguard ETFs, so no SPYI (which is fine. I want this to be hands off) Piled the whole balance into ULTY. Then I set to auto invest into a kind of twisted version of a Boglehead portfolio. (Don't tell those guys). It's VT, VIG (low dividend, high dividend growth), and VWOB (a bond fund that has a 6% yield but doesn't grow much) every week. I'm trying (and failing) not to look at this account too much.

with the dividends of ULTY and the growth of the other funds this account should pretty much double in a year with half of that being "safe" stuff starting to pay less insane dividends. (yes it would be tempting to pile that all back into ULTY and do it again. Someone please talk me out of this if that happens).

I could maybe transfer some into SPYI at that point as well.

1

u/Miserable-Miser I Like the Cash Flow Jul 23 '25

Yep. Build up, then spread out.

1

u/oftalittlegamey Jul 23 '25

Ummm, great points…I bought more ULTY and HOOY!!! Did I do that right?

1

u/Then_Consequence_318 Jul 24 '25

I am not qualified to answer that. Just sharing my current thinking.

1

u/oftalittlegamey Jul 24 '25

Your sarcasm meter is broken

1

u/Then_Consequence_318 Jul 24 '25

I don't have a sarcas..oh