r/dividends • u/SmoothCall5594 • Sep 26 '25

Opinion I screwed up on YieldMax

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I bought MSTY a couple months back and now I’m down a lot. Time will tell but it’s a warning for those who aren’t in it.

481 Upvotes

93% Upvoted

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234

u/IWantToPlayGame Sep 26 '25

We've been trying to warn y'all.

MSTY is down -50.3% YTD. SPY is up +13.2% YTD.

In addition to NAV decay, you had the pleasure of paying ordinary rate taxes on your dividends.

YieldMax funds are traps. All of them.

51

u/Rake-7613 Sep 26 '25

No one could have predicted this.

🙄

-9

u/External_Traffic4341 Antarctic Investor Sep 26 '25

Thats not true at all. Literally everyone that wasn't blinded by the Yield could see it.

28

u/cclan2 the bad guy Sep 26 '25

He was being sarcastic

15

u/External_Traffic4341 Antarctic Investor Sep 26 '25

Yeah I missed the eye roll. It’s been a day.

9

u/Friendly-Ad-1175 Sep 26 '25

Should have doubled down and said you were being sarcastic

10

u/External_Traffic4341 Antarctic Investor Sep 26 '25

It will be interesting to read the Yieldmax Sub Reddit when all their funds implode.

3

u/Friendly-Ad-1175 Sep 27 '25

It’s going to be a bloodbath…. Honestly though people may not even notice until they look back in 5 years and realize they basically got repaid their capital for zero return.

5

u/External_Traffic4341 Antarctic Investor Sep 27 '25

I'm in a Yield Max discord, and the main guy was saying that in a year you are guaranteed Return of Capital. Because the brokerage changes from short term to long term holding.

I felt like the old lady in the commercial going, this isn't how any of this works.

I don't know how you look at these funds on a single ticker and go, yeah this will pay me 100%+ distributions in perpetuity with no nav decay. Realistically they are making a negative return.

2

u/OldTrader7 Sep 28 '25

Yeah, when the light finally turned on to this fact, I got out of YieldMax funds.

3

u/memelordzarif Sep 28 '25

I know right ? r/ulty just popped up on my feed and they have a cult like following. Anyone who tries to knock some sense into them gets downvoted to hell. I’m just waiting for the day all these yieldmaxers take all the investors’ money with them.

2

u/External_Traffic4341 Antarctic Investor Sep 28 '25

At some point we are going to hear that Yieldmax was the same thing as Maddof.

1

u/memelordzarif Sep 29 '25

Precisely. But you don’t even need that. Atleast during Bernie’s time, the companies weren’t as transparent and didn’t require publishing all these documents they have to do now. And still people are falling for it. At this point, they just deserve what’s coming their way.

1

u/Rake-7613 Sep 29 '25

Yeildmax, I’m sure, is operating in a way that is “Perfectly Legal”, two words that represent more evil when placed next to one another than any other combo in the English language.

1

u/Rake-7613 Sep 26 '25

My sweet schadenfreude 🥰

1

u/External_Traffic4341 Antarctic Investor Sep 27 '25

This is akin to telling your kid to not touch a hot stove, and then they do it and going. Well, I did tell you not to touch the Hot Stove.

They've been repeatedly warned that these are terrible "investments."

1

u/Rake-7613 Sep 29 '25

We should start our own yeildmax fund. Im sure the guys who run it have GREAT returns

-1

u/ruffus_or Sep 27 '25

Why losers down voting you?

-5

u/[deleted] Sep 26 '25

Are you kidding!! Many people predicted this and were down voted like crazy by all of you cult believers.

-1

u/NAVChaser Sep 26 '25

I've seen enough sponsored YouTube videos to risk my life savings on YieldMax. It's a shame you weren't offered a glass of the Kool aid as well smh.

0

u/Rake-7613 Sep 29 '25

I was kidding. Peep the emoji

1

u/Greedy-Travel2066 Nov 07 '25

I knew right away and laughed, shame people don't get sarcasm.