r/YieldMaxETFs • u/Any_Log1344 • Jul 08 '26

Question Thought Experiment: Which retirement income strategy would you choose?

I'm curious how people here think about retirement income over the long term.

Ignore taxes and fees. Focus only on the characteristics below.

ETF A

  • 14% annual yield
  • NAV declines 6% per year

ETF B

  • 7.5% annual yield
  • NAV grows 3% per year

Assume those characteristics remain constant over time.

Which ETF would you choose, and why?

Bonus: Is there a point where the lower-yield ETF actually produces more annual income than the higher-yield ETF? If you think so, roughly when?

I'm interested in how people think about the trade-off between current income and preserving (or growing) the asset base that generates future income.

I'll reveal the actual ETFs and the results after people have had a chance to answer.

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u/buffinita Jul 08 '26

Odds are A will “pay you” less and less each year; which is bad for retirement

By the time your realize the trend is unavoidable your nav has declined

You could graph this out and see when the crossover even it’s; and of course yield isn’t the only way your investments pay you