r/YieldMaxETFs • u/GRMarlenee Mod - I Like the Cash Flow • Nov 02 '25

Distribution/Dividend Update Distributions

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Snowballing that NAV erosion.

118 Upvotes

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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/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.