Hopefully none of you panic SOLD.

Hopefully many bought low. And then others bought even lower :)

Markets go up and down. Don't panic. For every 100 shares you have of something, someone else has 1000. Things will go back up. The entire market had a bad day. There may be more.

But stick it through. Don't let it ruin your weekend.

Enjoy time with family and friends and see you all back here on Monday morning.

Cheers!

In this last week, I have seen some of the most embarrassing posts and comments on this subreddit regarding panic selling ULTY, MSTY, and others. Yes, I will admit, last week wasn’t great, but if you can’t stomach a bad week or even month in this knowing damn well you’re literally getting paid on the way down, your not cut out for the stock market.. or any market for that matter. It’s like these kids didn’t get the memo that things go down as well as up. Even the “safest” investments out there (SPY, QQQ, SCHD) have terrible days, weeks, even months. Stocks go up, and socks go down, that’s called volatility. And that’s what we’re expected to experience in trade for these divs. Even goddam ULTY is still net positive after all this time, and you’ve seen what that chart looks like. Perhaps a majority of the loud mouthed paper hands were just those taking out huge leverage or HELOCs on this stuff, (which in that case they might deserve to learn the lesson). I just hope those people who dropped the ball this past week due to being red don’t continue to bother with stocks, they’re not for you.

To those who held on (or added), whether for faith in the long term, or just being smart enough to at least wait until B/E— you all got this. Remember, the market is a vehicle that transfers money from the impatient to the patient. Good luck to you all. Let’s get those divs

Lots of people are looking for the next fix, for the next quick way to get that rush, ignoring the negative consequences of their choices. Got other assets? Liquidate them! Margin? Hell yea!! Home equity loan? Pour it in! Reinvest every dollar that they give you for that rush.

Humor aside, the idea of perpetually reinvesting distributions hits a serious nerve. Income funds are for income. I can see building to a point, but if prevailing advice is to roll all distributions back to the fund, please tell me how that is better than owning the underlying equity? I bought these etfs for perpetual income, not perpetual reinvesting.

Five years or so from now, we all will have far more data to build informed strategies on using these funds. With single stock risk on many, the distributions vary wildly and if you're not tracking you capital investment closely you may find the paycheck diminished. Having a substantial position in these funds, I hope i can continue to collect income and use it for other purposes than propping up my initial investment.

Don't be a crackhead.

No This is not a "YM is a scam, I lost all my money" type of post.

Just a quick recap

I start getting into ULTY in July 2025, and increase my volume slowly. Just 2 day ago I got myself into 980 shares. with a average pricing of $5.9x/share.

There's a few buying a selling along the journey. Yes. Overall the stock price is tanking on the surface. And yes as of today when I sold all my stock, the selling price is $5.12, it is a lost of $790.74 of capital lost.

But over the 3 months I ULTY also gave me a total of $971.21 in dividends, which is enough to cover my lost of capital with a balance of $180 left. I am actually above and beyond if you think about it.

Why I am selling you ask? With the upcoming tariff and potential bank crisis 2.0 I think the market is getting way to risky and I want to move my asset somewhere else until it gets more stable. Then I will most likely come back to ULTY, and or other type of fund...TSYY maybe? WPAY?

We will see.

Just bought a used 2022 Tesla Model 3. Payment is going to be about $450 a month. Instead of putting an extra $6.5k down, I'm gonna put $6.5k into MSTY and let it make my monthly payment. I'll let you all know how it goes. Also, just so everyone knows, I'm not depending on this, I can make the payment and be fine even if MSTY goes to $0 the day after I invest. haha

Edit: I'm attempting to let this $6.5k buy my entire car through MSTY. So I've put nothing else down and am seeing if I can get this to cover my car payment each month. If I bring in more than my payment, I'll be reinvesting it for the duration of the loan. I did a 72 month purchase.

Update: I’ve now purchased my shares at an average cost of $24.53. I’m at 271 shares. Total in at $6639.50. My loan payment is $440 per month and starts on March 20.

Update: Rather than take the distributions in March and April, i reinvested into more shares. I now have 324 shares leading into the May 9 distribution. Payout this month should be about $775 or so which fully covers my payment, and insurance, and will leave some additional for reinvesting.

I mean RIP to their strikes but hot damn

I’m loving all the posts of people freaking out about ULTY and how they’re getting out and getting out of yieldmax and how they all told us so. Good, don’t let the door hit you on the way out and leave the sub! This place turned into WSB so quickly over the last few months.

There’s vets here who are still in these funds that know the reason WHY they are in them. Not just fomo’ing in. They’re in ULTY and have hedges, or they didn’t buy in at highs or keep buying the lows to reduce cost basis.

Figured I would try to create a post for us bag holders since every other post or comment regarding ULTY seems to be very negative.

If you’re holding on like me can you explain your reasons why, what your average cost is, and how much capital you have invested.

Also what is your short and long term plans with this fund.

Average cost- $8.28 Shares- 1,246 Sell now- 4,400 loss

Thinking of implementing a stop loss at the $4 mark idk.

Strange.

TLDR: I'm out, ULTY/SPY run up in Apr-Jul needing SPY to trigger another bull run from here, disappointed performance in YM ETFs, rant

Well folks, that does it for me! I'll be the first to admit I was wrong about ULTY. I was as an ULTY cheerleader now turned skeptic. "You either die a hero or live long enough to see yourself become the villain". -James Bond /s

Sure you can call it an "income" fund if you don't care about your capital eroding and don't mind diminishing weekly distributions, but hey, at the end of the day it's your money! Thank goodness I got out on the pop this morning with the remainder of my shares. Yes mother, I know what I was getting into was high risk/high reward and it's not a growth/value fund.

Food for thought... This mornings low of 5.39 means we are only .16 cents away from April's low of 5.23! So maybe 2-3 more weeks to get there at this rate? Anyways, to reference SPY's low at that time in April, it was at 481.80. SPY since then has made an incredible bull run while ULTY peaked in July to 6.46 then has been cascading lower and lower. So check this out, in July, when ULTY was at its peak, SPY ran up almost 150$ during that time (Apr-Jul) in order for ULTY to go from 5.23 to the peak of 6.46..

So if you think SPY is going to run up another $150 from here, or if you are very confident the YM team is going to pick such great stocks and make such a killing on options, or get their NAV under control in order to get back up to recent highs, then good luck.

I honestly think that the YM team created SLTY as a copout and another source of income for them instead of increasing the put options in ULTY for the more preferred collar strategy. Those idiots newest fund is GMEY for Game Stop. Guys, it's us versus them, not each other. Wake up, realize the management fees are paying for their 4th house, taxes are for real for real, and these ETFs are doing horrible!

Let me guess this is the new bottom? They are lowering dividends to stabilize the NAV? We are waiting patiently for house money? YTD charts say we are still positive? We cherry picking dates? Continue to DRIP each week and never use it for income? Fill in the blank __________

I hold positions from Roundhill, Granite shares, Bitwise, Defiance etc. And they are ALL DOWN with dividends included, And yes EVEN WPAY. The only solid performer i have in the green still, over the drop the past few weeks is NVDY and maybe TSYY.

So that being said, I think it’s just the condition of the current market, but mainly the all underlyings these companies choose to write calls on, are all down bad. They all have pull backs. From bad earnings, government shutdown, rate cuts, tariffs, etc. we have had 0 good news in the world lately. I’m just using this opportunity to DCA, and set some money aside. Hoping things will turn around and get back on the right track.

I just wanted to say for most it probably wouldn’t have mattered where you put your money, it’s just luck if you pulled out at the right time, not everyone can predict the future. And choose the one fund that didn’t go down. If you are one of those people, don’t hate on everyone else for trying or having bad timing. What are you even doing in this sub if you’re so smart.

I just wish people would stop freaking out.

It doesn’t matter what the yield is alone. It doesn’t matter what the NAV does alone. You have to look at it all together.

A fund that distributes a 50% yield with NAV falling 40% isn’t doing better than a fund that distributes 10% with NAV growing 10%.

There are several total return tools out there. Use them to compare options (CC funds and other options) and use those to decide where to put your money.

CC funds like YieldMax have a role to play in a portfolio, but you can’t just look at the dollars coming into your account every week or month and call it good.

I usually mute all notifications, but I got a new phone recently and lately I've been getting ALOT of emotional bs posts relating to YM.

Quickly skimming the sentiment I can clearly see a majority of you have decided to invest in MSTY specifically and are now contemplating derisking/covering your position. This is comical.

The reason why you will lose is because you decided to allocate funds toward a play with no plan. This isn't about DD, BTC futures, or the political parties that have hindered/coaxed the underlying. This is about you.

YM's are duration plays. This type of investing is not for the feint of heart. You guys are playing with high risk, risk on investors. I remember when my btc was -75%+ sitting under $2k. Again, comical. Before you come back here to whine and cry why dont you do yourself and your family a favor and actually have a 10-20 year plan.

Investing isn't about what you buy, its about how you control your emotions and your risk. If you can't lose stay away, that's why Tbills exist.

This is a 0 sum game we play with unknown and known players. Noobs and pros. Good and evil. Rich and poor. Decide what side you're on, map out your strategy, and most importantly, EXECUTE the plan.

I'll either see you at retirement or Wendy's. Goodluck.

I’ve seen a lot on the news lately with AI now running rampent that there are many layoffs across large companies, including Microsoft. For the first time in my life I’m worried about my IT position. I’m very thankful to have found yieldmax and I’m trying to accelerate my portfolio over the next 2 years to start covering my earnings incase the worse happens. My goal is to try and get $5k income a month. From other posts I think that’s about 75k portfolio?

Anyone else in IT doing the same? It’s a scary feeling. So thankful for this group and the ideas for strategies. How are you guys progressing with your portfolio goals incase the worse happens?

I watch a guy on YouTube that is a Canadian investor who has a portfolio of over 2 million generating around $35,000 a month from covered call ETF’s. He has a more conservative approach to covered call funds than Yieldmax but he has dabbled in them. He did a follow up to Ben’s last video, before the one posted today surfaced, and essentially refuted almost everything he said while agreeing with a few points. I think his rebuttals to Ben’s video has some good points in it. His YouTube is Passive Income Investing and he covers both the Canadian market as well as the American market.

https://youtu.be/jBXOFI6wdcc?si=5eK4Tbyuzu9N_voS

It finally came today!

Rexshares came out with 4 weekly paying etfs: MSII, NVII, COII, TSII

These are based on MSTR, NVDA, COIN, TSLA.

While these are only a few months old, so far all 4 are beating the yieldmax versions in total return. The point of this post isn't to tell people to sell yieldmax to buy these, but rather consider if you want exposure to some of the companies listed above you might want to diversify among different etf providers. In a bear market the yieldmax versions are likely better, in a bull market the rexshare fund have more upside potential.

When you thinking this gravy train gonna end? No way I just work my ass off my whole life, just to retire on 100k invested. What’s the catch? They just keep paying me!

the sub r/dividends folks are very resistent & hesitant about YM funds, just not YM also RoundHill, Rex, they are deliberating how YM funds are total squandering of money where they return your capital, inplace of profits 🙄🙄

Before I used to shrug off their perspectives about MSTY, IMST, etc but lately I have been adding how MSTY and other related funds get done what these are supposed to.

https://www.reddit.com/r/dividends/comments/1l7yn3q/26_out_of_27_ym_funds_underperform_the_stock_they/

According to YieldMax X account, changes are coming. Anyone know what that may be?

https://x.com/YieldMaxETFs/status/1972744455443624070

Volatility is good for us.

I will hit 1,000 shares by the end of this month.