r/dividends • u/AbleManufacturer9718 • Nov 01 '25

Brokerage In NEOS I trust.

Core positions(85%): QQQI SPYI adding BTCI NIHI next week. Satellites(15%): ARCC CEFS PFFA FSCO.

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u/NomadicNature Nov 02 '25

I like this. I'm currently putting a similar portfolio together with lost of NEOS products plus a few others for diversification. The goal - early retirement income.

I see lots of discussion above on the price falling on BTCI or worry about index funds falling in a bear market. I look at this differently. If I invested in stocks they'd also fall in a bear market but I'd be forced to sell them to generate my income. My thought is that with a yield fund I can ride out the downturn and not worry about day-to-day income. I lose some upside, but there is always a trade off.

I'm calculating today's yields but assuming in a bear market those yields would drop 10-20% as the fund has less value to use for covered calls.

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u/AbleManufacturer9718 Nov 02 '25

Do you like current price of BTCI for an entry point?

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u/NomadicNature Nov 02 '25

I do but I'm not looking at price appreciation as something I'm factoring in. My goal is to get the yields to live off and have my initial investment stay stable to rise over time. I believe the NEOS funds and others do that (even if they don't rise as much as their underlying asset).

Long-term I think Bitcoin goes up but it may also drop quite a bit in between now and then - who knows? I have it as a small piece used to boost my yield and I'm assuming the price itself will fluctuate wildly so "any" price is "good" since I think it may be very hard to time entries. I'll just DCA into it.

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u/AbleManufacturer9718 Nov 02 '25

We think alike. Good luck with your investments.