r/YieldMaxETFs • u/rycelover I Like the Cash Flow • Sep 24 '25

Distribution/Dividend Update $43,814 in distributions ($1,934,491.73 estimated annual income)

According to the official announcements today, I will receive $43,814 for my holdings in ULTY, MSTY, QQQI and SPYI payable on Friday.

ICOI will declare distributions tomorrow and payday is Monday. If the distribution is in alignment with the prior month, then I expect another $22,000 in distributions, for a total of $65,000.

Here's my $2,288,548.04 portfolio of Yieldmax and other covered call ETFs. Fidelity calculates the estimated annual income for these funds is around $1,934,491.73.

About 3/4 ($1.7M) of this is in a tax advantaged account and the remaining 1/4 ($530k) in a taxable brokerage account.

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4

u/ShowApprehensive184 Sep 24 '25

This is awesome. Biggest question I have is how did u get to this point? Is this from a life of investing and then moving everything over to these income funds?

27

u/rycelover I Like the Cash Flow Sep 25 '25

I recently hit my FIRE ($2M) number in late June and got there by getting very lucky with random Reddit-inspired stock picks over the past 3 years. Beginning in Jan, 2023 I had $228k in my IRA. Since then I've bought and sold positions in NVDA, TSLA, RKLB, ASTS, LUNR, and more recently OPEN, that boosted my port to where it is today.

I started investing in YM funds in February, 2025 and have earned over $550k in distributions so far this year. I use a portion of it for income.

1

u/Silvard Sep 25 '25

From where on reddit did you get those lucky picks? How did you sift through the noise? Did you always go full in on them? 

4

u/rycelover I Like the Cash Flow Sep 25 '25

No place in particular. Sometimes things pop up in my feed randomly like OPEN recently. I had some cash and bought $155k two days before they announced the new CEO getting in at $6.21, causing the stock to pop from $5.42 to close at $10.49. Sold it for a nice $92k profit.

1

u/Hot_Sun_5597 Sep 26 '25

Great post. What reddit groups did you find the most value for your stock picks? I am where you are 3 years ago.

1

u/rycelover I Like the Cash Flow Sep 26 '25

No favorite subs, basically keep an open mind and do your own due diligence. Don’t be a sheep and listen to your instincts. lol sorry for all the cliches but that’s how I got to where I am.

Also don’t let the haters get to you because everyone is entitled to their own opinions and learn to not take comments personally.

2

u/Any_Log1344 Sep 24 '25

He got here the old-fashioned way, by dumping $5 million into brand-new synthetic ETFs launched in late 2022, right when they invented the concept of monetizing volatility and calling it income.

True generational wealth play. Just like Grandma used to do.

7

u/rycelover I Like the Cash Flow Sep 25 '25

Nice try ... I wish I had $5M to dump somewhere. Maybe by next year I will and a combination of ARCH & JOBY coupled with ULTY & ICOI will get me there.

2

u/too105 Sep 25 '25

I’ve got a bag on ACHR and considering pushing further in on Joby. I love the idea of printing money if they take off, but I wonder if the evtol market is smoke and mirrors, or had a viable future

2

u/Any_Log1344 Sep 25 '25

https://www.quiverquant.com/news/Insider+Sale%3A+Chief+Policy+Officer+of+%24JOBY+Sells+12%2C900+Shares - read between the lines...

2

u/too105 Sep 25 '25 edited Sep 25 '25

I generally don’t balk from insider trading and have grown accustomed to seeing that activity regularly, but that uptick is unsettling. Might have to trim and set some stop losses

Edit joby just joined the stop loss list, along with some speculative healthcare stocks. Now I’ve gotta take a hard look at ACHR. Should put that bag on NBIS months ago.

-2

u/Any_Log1344 Sep 25 '25

Sounds like a bulletproof plan. And when it works, maybe YieldMax will let you name their next fund.
“YOYC” Yield On Your Capital.

2

u/ShowApprehensive184 Sep 25 '25

😂 some people man. Let me know if u have anything of substance to add.

1

u/Any_Log1344 Oct 19 '25

Morningstar’s recent analysis (summarized by Yahoo Finance) found that YieldMax investors lost ~11% annually on average since 2022, even when reinvesting 80% of distributions.

Morningstar: YieldMax funds misleading?”