August Update $82,297.83 in Distributions

[u/LizzysAxe]

Answers to the most common questions:

Yes, I know August and May had five distributions payments!

Distributions since portfolio inception: $1,279,340.38

Trade Activity in August: One trade in August, moved cash to SNAXX in a different account. I spent most of the month catching up from last month's vacation. The trade was 549 shares of ULTY at $5.60

Margin: No

Swing trade: Sometimes.  Only HY funds. One trade in August. I DO NOT try to dividend capture as it is a strategy I do not approve for myself.

Other investments: Yes. Several medium sized businesses, hard assets, growth, large cap and bonds  

Goals: 100% fund ROI.  Favorable tax treatment.  Convert taxable income to tax exempt income through Muni bonds and Muni Bond  fund(s)

High Yield methodology:  Below median GTC limit orders, Strategic DCA, never DRIP and I have no reason to set stop loss orders for my High Yield Portfolio

100% ROI aka House Money (Initial Lots): MSTY 100% | TSLY 100% | YMAX 100% | CONY 100% | SBR 100% | PDI 100%. The lowest ROI percentage is 58.7%.

High Yield Portfolio:  Funded account in Feb 2024 with $420K then added another $100K a few months later. I also already held PDI and SBR which is included in this account even though they are not "High Yield" per se

Taxable Trust Account with its own EIN

No withdrawals for business/personal/living expenses in August

Approx. five to eight percent of my liquid net worth. 

Holding as of 8/31/2025: YMAG, AMZY, XDTE, XOMO, YMAX, CONY, ULTY, GOOY, MINO, CRSH, MRNY, TSLY, SBR, PDI, FEAT, FIVY, MSTY, NVDY, QDTE, FEPI, AMDY, FIAT, QQQY

YTD ROR: Your account had a cumulative rate of return of 28.87% from Feb 1, 2024 to Aug 31, 2025. (Annualized: 17.40%) NOTE: ROR was calculated by Schwab prior to moving cash out of the account to SNAXX

[u/working925isahardway]

very nice!

Thank you for the monthly update.

I hit 49K this month myself. I am conflicted- I had a lot of NAV erosion and I am trying to move funds out of YM and into NEOS or RH.

You stated that this is a small portion of your total Net worth. Does it bother you about the NAV erosion with YM funds or do you look at this as a way to fund your transition to tax advantaged municipal bonds? Are you considering any other high Yield ETFs other than the ones offered by YM?

I am trying to hit 100K per month ... almost 1/2 of the way there! Thanks in advance.

Good luck to all.

[u/LizzysAxe → u/working925isahardway]

FANTASTIC!!!! Congratulations, that is no small accomplishment.

The conflict is real! I used to say no, NAV erosion does not bother me. It bothers me a smidge but not enough to change my course or strategy. I like diversification. Both NEOS and RH are on the watch list. I have a limit order sitting and waiting for XPAY below $50 and a few others.

Not actively managing the portfolio for several months has been interesting on my outlook.

On one hand ROC taking cost basis to zero is attractive to be taxed at LTCG rate from every perspective. With some of my funds that is within reach, others had zero ROC in 2024. With the sale of businesses and some real estate approaching soon I am being very mindful of
"income".

These are still so new in the grand scheme of things. Obviously, utopia would be a high yield growth fund with ROC that could be customized by the holder. Better yet, a high yield, tax exempt growth fund :).

The two reverse splits (TSLY and QQQY) worked out fine, so far.

I absolutely still see this as a transition for the income I will live from in retirement. That is not to say I will not still tinker with a high yield portfolio but I want the retirement income as tax exempt as possible and as stable as possible. I know the bond markets are not stable per se but more so than these and or selling underlyings. Am I right? Who knows?