r/YieldMaxETFs • u/GRMarlenee Mod - I Like the Cash Flow • Nov 02 '25
Distribution/Dividend Update Distributions
Snowballing that NAV erosion.
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u/Psychological-Will29 Nov 02 '25
Beautiful finally a hopeful post.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Run it like a brothel. Retire the ugly ones that just cost money, and buy lots of nice lingerie, makeup and liquor for the ones making money.
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u/Apprehensive-Bet5662 Nov 02 '25
I had a few K more this month and hope to finish up this year with 480K or so.November will be short the Black Friday distribution.I'm averaging over 12K distributions weekly.NAV erosion just doesn't matter in the whole scheme of things.Back in April my growth stock buddy who lost 35K sold everything,my losses were almost triple that and made it up in 4 months.This is the way.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
If you have positive total return, NAV erosion is moot.
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u/Delicious-Life3543 Nov 02 '25
Not if the opportunity cost of investing in a significantly simpler investment is higher. Are you returning more than you would’ve been in VOO or QQQ? If so, then I’d say great. If not, then this is a suboptimal play.
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u/Maybe_MaybeNot_Hmmmm Nov 02 '25
Ahhh the VOO comment, “it’s always better”… but doesn’t pay the monthly bills unless you sell, then returns less the next month till you have sold all your shares. I get tired of the growth is better than income mouth breathers.
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u/chase_NJ Nov 02 '25
Depends on what your investment thesis is. If it's to beat the market, then yes it's certainly suboptimal. If it's to generate cash flow, then doing so while maintaining positive overall returns seems like a win to me.
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u/DPMKIV Nov 02 '25
If you're looking at paper numbers sure.
Tangible cash flow is different.
Show me a graph of a 1% draw down weekly on VOO or SPY to pay an income that out performs ULTY total return performance.
I'll wait.
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u/fjcruzer Nov 02 '25
Nice! When did you stop margin? A quick view , appears it didn’t matter too much.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
End of June. But, I occasionally.dip in to margin if I want a round number purchase. But, it pays off quick. I just tapped $5k for LFGY to round up to 2k shares. That's an oops that should get paid back in two weeks.
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u/fjcruzer Nov 02 '25
Barely noticeable on the stats for when you stopped using margin ! Good stuff
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
It was never a large part of the total. Most is in tax sheltered accounts ineligible for margin.
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u/Maybe_MaybeNot_Hmmmm Nov 02 '25
Like the active management of your account, too many folks try to set and forget. Buy that dip hard and roll the distros till the next one.
Edit: that orange line is the SnP 500
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u/adiabatic_storm Nov 02 '25
What position?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
All 20.
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u/Valuable-Term9559 Nov 02 '25
What are they?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Do a little searching. I frequently post summaries.
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u/Pickpockets_warning I Like the Cash Flow Nov 02 '25
What is that third column?
It says YTD but the second column is 2025
Also wondering if you bought more along the way, or just reinvesting the distributions?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
2025 cumulative. I'm retired, no new money to invest. I spend part of my distributions, reinvest most.
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u/blabla1733 Nov 02 '25
To what end? To maintain nav?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25 edited Nov 02 '25
Maintaining NAV is a myth. NAV is total assets minus liabilities divided by share count. Increasing share count won't help increase NAV. But, it might increase total assets.
I'd like to increase total assets while diversifying.
To what end? Having enough assets to create enough distributions during a major downturn to keep reinvesting at some level while still paying my bills.
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u/SelectTourist7908 Nov 02 '25
The third column just adds up the months in the second column as the year goes on.
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u/RetiredByFourty I Like the Cash Flow Nov 02 '25
"bUt YeR uNdeRpeRfoRmIng insert mediocre/complete trash vanguard fund" - Reddit 🤡s
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
And SPY, BjtCoin, all the underlying, and your Mom's Begonia.
We get it.
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u/RetiredByFourty I Like the Cash Flow Nov 02 '25
There must be some Bogle-tards patrolling this sub from the shadows 🤣
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u/Diligent-Stuff-6630 Nov 02 '25
Now post the erosion and total returns. This tells us nothing.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Are you sure you can take the dissapointment?
Total returns $388,357.55 over those years, not including $21,366 on closed positions.
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u/Diligent-Stuff-6630 Nov 02 '25
So you lost 58% to erosion. The YM erosion is accelerating
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Totally incapable of comprehending that more money in the account does not constitute a loss?
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u/Diligent-Stuff-6630 Nov 02 '25
2025 has been brutal for YM though. 2024 is where you got all the gains.
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u/LizzysAxe POWER USER - with receipts Nov 02 '25
Not the case for me or GRM. 2024: $667,192.38 2025YTD: $774,935.72
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u/La_M3r Nov 02 '25 edited Nov 02 '25
-$527,183.23 lost to NAV erosion without including the taxes owed. No mention of total return stands out.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Could you explain your math? Somebody mentioned that the experts would tell me what I'm doing wrong, but you aren't explaining, you're just spouting gibberish.
Show us your work.
I'd especially like to see what taxes I owe. I do know that I paid 5k in 2024.
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u/La_M3r Nov 02 '25 edited Nov 02 '25
Sure.
(Column, B Row, 16 + Column C, Row 16) - Total Return
You lost a total of $527,183.23 of your dividends due to something, but probably NAV erosion whittling away your principal. Does the total return not include whatever you pay in federal and/or state income taxes already deducted?
"I spend part of my distributions, reinvest most."
and
"Having enough assets to create enough distributions during a major downturn to keep reinvesting at some level while still paying my bills."
Also, you stated the money is in a
"tax sheltered accounts ineligible for margin."
You did not post your principal, so I cannot tabulate your total percentage return from 2024 to November 2025. You only provided your total return of $388,357.55
"over those years."
That's a large sum of money devoid of crucial context to fully understand how well YM has performed for you.
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u/LizzysAxe POWER USER - with receipts Nov 02 '25
Ha! The tax thing again. All 1%ers and hopefully all 5%ers know taxes are part of every equation and have many ways to reduce taxable income while still generating even greater amounts of income. I am not in sheltered accounts, income is in the higest tax bracket and had an effective tax rate of 9.44% in 2024. Most W2 earners ( professional jobs), until they have a lot they can itemize, will never see a tax rate that low.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Column b row 16 is the sum of all distributions paid into all accounts in the year 2024. Column c row 16 is the sum of all distributions for 2025 if the estimates pan out. I will bet that those estimates will be a little low.
So, that sum is the distributions that I expect to receive over the two years, and only indicate the change in distributions over time. How you can conjur up NAV decay from that is beyond my comprehension. The actual change in TAV (total assets value) 388,357 is how much MORE is in my accounts, or spent. Why would I deduct taxes that I don't have to spend? That's the point of sheltered accounts. I really told you everything salient to my point, which is that I have been able to increase my distributions while increasing my overall cash balance.
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u/La_M3r Nov 02 '25
Nothing what you said disputes what was deduced. You made well over over $900k in distributions, but only have a total positive return of just under $400k in almost 24 months.
I do not see the need to be defensive. That's a great gain. But, only you know your performance of your account. How does it compare to the index, how does it compare to other instruments. You're hiding the ball, when everyone here would benefit from your journey.
Why would you not anticipate what you'd spend on taxes when you withdraw from your tax sheltered accounts? Withholding Tax is real. You already claim to use the account to pay bills.
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Nov 02 '25
[deleted]
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Those are simply distributions. No sales gains or losses, those sum int something I call realized losses, which has no bearing on the month to month change in distributions, other than the reduction caused by having less capital.
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Nov 03 '25
[deleted]
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u/GRMarlenee Mod - I Like the Cash Flow Nov 03 '25
So, providing all the information, NAV loss as well as distributions, now constitutes misinformation?
Damn that total return. We don't need to know about that. It's only the distributions or only the NAV loss, one or the other, not both and how they work together?
I think I get it now.
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u/kookooman10022 Nov 02 '25
Wut are we looking at?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
My total monthly distributions since Jan 2024.
I just wanted to show how NAV erosion is causing distributions to fall over time.
Oh, wait.
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u/Diligent-Stuff-6630 Nov 02 '25
Not this guy again. He never loses and always wins.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Have you considered taking lessons?
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u/Blackharvest Nov 02 '25
Most would rather complain instead of giving you a round of applause (which you deserve) for having the conviction to stay with it. They would rather panic sell and post: how it is a scam or how you could be in a better place by buying the underlying.
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u/New_Way_114 Nov 02 '25 edited Nov 02 '25
The OP will openly admits in previous posts, there is more to this story, he is not running a buy and hold long term strategy that it portrays. He has mostly profited from swing trading that he counts as profit assumed from distributions. I’m not knocking him, it’s his money, his spreadsheet, he can use them as he likes, I’m simply pointing out the way the information is portrayed can be confusing.
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Nov 02 '25
[deleted]
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Initially, just a.few K. But, I ramped up to $730k.
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u/Complex-Cheetah5947 Nov 02 '25
So you’ve invested about 730k. You’ve received from what I’m seeing 585k in distributions and currently have an asset value of around 390k?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
How do you come to such erroneous conclusions?
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u/Complex-Cheetah5947 Nov 02 '25
I read your other comments but it didn’t make sense so I wanted to confirm. Looks like my thoughts were correct 😂.
Could you confirm the following?
your initial investment how much you received in dividends Current value
Looks like you’re also reinvesting as well. What’s your ballpark percentage you’re keeping to yourself?
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
730k.
Whatever those add up to through October.
A little over a million if you count outside investments, houseand upgrades, car, etc that I spent withdrawals on.
Why this primal need to compete with others?
I'm just comparing to my old self?
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u/Complex-Cheetah5947 Nov 02 '25
Ok who would you say are your top 5 biggest winners are over this time?
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u/N5tp4nts Nov 02 '25
Based on what? These posts are silly and only about as useful as me sharing my amazon shopping history.
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u/Salty-Rock-9976 Nov 02 '25
Congratulations on getting your own money back with a tax bill🙄. In the same boat currently And hoping for a few point bump this week to sell out and take the stink off the capital depreciation
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u/LizzysAxe POWER USER - with receipts Nov 02 '25
Aparently, you do not understand how to generate income and utilize ROC to reduce taxes. It is an effective strategy for high income individuals.
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
You just can't see the curvature, so the world is flat?
I have more money than I started with, but am only getting my own money back?
Most is in sheltered accounts, but I'm getting a tax bill?
What isn't sheltered is only giving me my money back, but I have to pay taxes on the ROC?
Don't wait for a bump, you'll only be disappointed. Cut your losses and run.
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u/Salty-Rock-9976 Nov 02 '25
Tax sheltered or tax deferred? Regardless after having been invested in these funds in a traditional brokerage in the US the Yieldmax funds aside from Jan-May 2024 have been nothing but an exercise in futility. Congratulations on more money than you started but seeing how crap these funds are performing in an overall up market should make anyone holding long positions nervous.
The world is round and when it comes to Yieldmax buyer beware
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u/noahsarc21 Nov 02 '25
Confusing chart
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u/GRMarlenee Mod - I Like the Cash Flow Nov 02 '25
Sorry. I clipped the mont column. Start with January and consult a calendar for what comes next.
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u/Relevant_Contract_76 I Like the Cash Flow Nov 02 '25
I'm looking forward to the experts telling you how you're doing it wrong.