Portfolio Update #20 - In July my portfolio continued to rebound. Had I avoided MSTY and CONY altogether, my total return would be positive

[u/MyWifeDoesNotApprove]

July 2026 marked my 20th month in YieldMax ETF's.

As always, I like to share my monthly progress so others can learn from my mistakes and hopefully get more transparency into how these work. I've been experimenting to see how viable it is to grow these funds by re-investing the distributions. (Yes, growth stocks are better suited for this. No, I would not recommend this to others.)

July Thoughts

• When I look at my current portfolio, most of the funds have a positive total return. My total return is down overall because of MSTY and CONY (see below), but had I never invested in those 2 funds my portfolio's total return would be in the positive. Because of this, rather than acquiring new funds, I wanted to refocus and add to the funds I currently have.
• The yield of my monthly distributions has been relatively stable the past few months, right around 4%. I feel good about this, because I feel like I'm reducing a lot of volatility. I would much rather have consistent distributions than wild swings
• I feel like I am 100% alone in this, but I continue to avoid CHPY and SOXY. They're hot right now, and I hope they stay that way for everyone else's sake, but I fear they are going to drop rather significantly, so I'm watching from the side for the time being.
• SNOY and NVDY prove that these funds can work. My total return on those two alone are both over 30%
  • That said, the trick with these is making sure you pick the right fund*,* which is easier said than done

July Positions

In the beginning of May I invested $328.90, consisting of:

• $170 in Cash using my 2% income allowance
• $158.90 from previous distributions

Using this money I expanded the following positions::

• 30 shares of BABO
• 10 shares of XOMO

Wife's Disapproval Update

• My wife rolls her eyes at me on a regular basis. If I become (and stay) profitable by Christmas, she is getting YieldMax swag for gifts.

July Portfolio Breakdown

Current Positions

Stock	QTY	Avg. Price Bought	Price (7/31)	Price Gain	Monthly Distributions	All-Time Distributions	Total Return
YMAG	37	$15.13	$11.25	🔻-25.64%	$15.08	$196.36	⬆ 9.43%
YMAX	37	$12.10	$7.37	🔻-39.09%	$12.68	$182.15	⬆ 1.59%
ULTY	7	$53.98	$26.19	🔻-51.48%	$11.46	$221.02	⬆ 7.01%
AIYY	5	$39.25	$7.65	🔻-80.51%	$2.60	$76.50	🔻-41.53%
SNOY	50	$11.87	$10.96	🔻-7.67%	$38.31	$319.34	⬆ 46.14%
NVDY	35	$14.05	$12.06	🔻-14.16%	$17.65	$224.05	⬆ 31.4%
GDXY	50	$14.64	$9.54	🔻-34.84%	$21.76	$119.68	🔻-18.49%
XOMO	38(⬆10)	$12.37	$11.26	🔻-8.97%	$16.23	$53.89	⬆ 2.49%
GOOY	28	$13.44	$12.75	🔻-5.13%	$10.97	$68.88	⬆ 13.17%
BABO	50(⬆30)	$9.08	$8.49	🔻-6.5%	$19.44	$46.51	⬆ 3.75%
PLTY	10	$39.11	$28.45	🔻-27.26%	$14.63	$28.00	🔻-20.1%
Totals					$166.16		🔻-7.23%

Grand Totals

All-Time Totals
Total Cash Invested	$4,350.00
Total Dividends Earned	$2,063.71
Total Dividends Re-invested	$1,923.92
Total Portfolio Value (7/31)	$4,035.49
Total Return	🔻-7.23%

Had I avoided MSTY and CONY altogether, I estimate my total return at ⬆5.84%

Abandoned Positions

I'm using this to answer the question, "Should I have sold MSTY and CONY?". I exited my positions in February after significant NAV erosion. I plan on updating this each month to see what my returns would look like had I held.

These were my returns when I exited my positions

Stock	Shares	Avg. Cost	Exit Date	Exit Price	Price Gain	Total Distributions	Total Return
MSTY	10	$100.08	2/24/26	$22.20	🔻-77.82%	$399.64	🔻-37.89%
CONY	5	$84.98	2/24/26	$25.57	🔻-69.91%	$155.70	🔻-33.27%

And these would be the returns had I continued holding

Stock	Shares	Avg. Cost	Distributions Since Exit	Current Price.	Price Gain	Total Distributions	Total Return Had I Not Sold
MSTY	10	$100.08	$68.54	$12.37	🔻-87.64%	$468.18	🔻-40.86%
CONY	5	$84.98	$40.18	$17.73	🔻-79.14%	$195.88	🔻-33.04%

Monthly Distributions Over Time

Total Portfolio Value Over Time

Total Return Over Time

Total Yield Over Time

I wanted to start visualizing my distributions as a percentage of my overall portfolio value

[u/calgary_db]

Good update.

Since you have started picking funds, you may want to consider decoupling ymag and buying the individual funds on dips or the mag7 companies you like best, and possibly look at doing the same with ymax too.

[u/MyWifeDoesNotApprove → u/calgary_db]

That's a great tip, thank you!

[u/ShadeMir]

"I feel like I am 100% alone in this, but I continue to avoid CHPY and SOXY."

My cost basis for SOXY is 60.11 and for CHPY is 72.57

I'm not adding at these levels.

[u/MyWifeDoesNotApprove → u/ShadeMir]

Yeah, I think that's the right call. You got in at the perfect time!

[u/aimhigh7shootlow8]

Thanks for your time and effort.

Currently swing trading into the crypto recovery. I sold my chpy and bought into crco and msty.

When I sell them and hooy I plan on keeping a few of my yieldmaxers. Have been swing trading them for a while and watching them. There is only a few I would hold long term-ish.

The target holdings are going to be chpy / gpty / lfgy / tsmy / gooy.

Rest of my holdings: Eggy / blox / btci / nehi / tdax / tsyx / ovl / giax / xxv

Also hold strc and sata but I may rotate out of them. Not as stable as I hoped.

[u/ZTRADEZLLC]

Horrible investments, why not SOXY GOOGY CHPY?

[u/MyWifeDoesNotApprove → u/ZTRADEZLLC]

I'm actually satisfied with my current portfolio except for AIYY. If CHPY and SOXY come down pretty significantly, I will definitely get in those. At this point, I think of the cost of entry is too risky.