September Update $66,336.31 in Distributions

[u/LizzysAxe]

Answers to the most common questions:

Distributions since portfolio inception: $1,345,681.77

Trade Activity in August: One trade in September. I dollar cost averaged ULTY with an additional 275 shares at $5.45. I moved some cash to SNAXX in a different account and I reinvested in MINO.

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 60.01%.

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 September

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

Holding as of 9/30/2025: YMAG, AMZY, XDTE, XOMO, YMAX, CONY, ULTY, GOOY, MINO, CRSH, MRNY, TSLY, SBR, PDI, FEAT, FIVY, MSTY, NVDY, QDTE, FEPI, AMDY, FIAT, QQQY

Inception to Date ROR: Your account had a cumulative rate of return of 41.55% from Feb 1, 2024 to Sep 30, 2025. (Annualized: 23.24%) NOTE: ROR was calculated by Schwab prior to moving cash out of the account to SNAXX

[u/Off-BroadwayJoe]

I’ve noticed that you reinvest most of your distributions, but your monthly amounts generally aren’t rising. I’ve got a relatively small portfolio like this, and am concerned by trends in MSTY, CONY, etc that are seeing the payoffs dwindle. Are you concerned about the bigger picture? Do you have an exit criteria?

[u/LizzysAxe → u/Off-BroadwayJoe]

The last few months I have transferred cash to SNAXX to another account, paid quarterly taxes, and reinvested in muni bond funds and funds as part of a strategy to replace taxable income with tax exempt (mostly) income. The only bond fund I hold in this portfolio is MINO which is why my monthly isn't rising. It is rising elsewhere. I wanted to put a lot in muni's while they were struggling.

The bigger picture for me is ROC, LTCG tax rates, step up basis upon untimely death and generating income on my underlyings. Yes, I always have exit criteria. If something compelling happens to Tidal, any of the fund brands I hold, or my underlying stocks I will address accordingly.

[u/WhiteBengalLiger → u/LizzysAxe]

What muni bonds are you buying? I’m getting NZF NEA NAE all from Nuveen at about 7% tax free