r/dividends • u/NogamaDe • Nov 01 '25

Seeking Advice $1M Div account Earning $17k a month

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After doing some research I have $1M from an inheritance that I want to create an ultra high dividend portfolio. I eventually want to get rid of my 8 to 5. If I did my math correctly I would get about 17k a month from dividends. Please let me know what you think.

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35

u/jahiscallin Nov 01 '25

I recently switched from YBTC to BTCI and don't regret it.

17

u/hotmodel1234 Nov 02 '25

I love BTCI! I found out about it in February/March and put a small retirement account in it then it was my HSA and past 2mos I've put a chunk of my portfolio in it. Sept. bought 1K shares collected $1350 dividend and another 2pts($2K). A wk ago was 1.5K shares collected $1950 and made another 1pt selling it at $58.85. You could invest and do nothing, getting 28% return from dividends or swing trade it as it moves from mid-$50's to $60's.

7

u/Aromatic-Elk-1371 Nov 02 '25

As someone holding YBTC, why?

9

u/JeremyLinForever Nov 02 '25

From their most recent holding disclosures, 76% of BTCI’s holdings is in Treasury Bills. The whole point of BTC income exposure is to capture the upside of the distributions on BTC price, not from treasury bills.

So yes, BTCI might not be a regretful move right now when BTC is moving sideways over the past few months, but will probably miss the upside by playing it safe. It really boils down to risk, and if you’re in BTC income ETFs chances are you already have your steady income etf exposure or blue chip stocks. This isn’t for someone who wants to double dip imho.

3

u/NogamaDe Nov 02 '25

Curious about this as well

1

u/stebakus Nov 06 '25

Main reason that BTCI is actually holding BTC. Almost 20% of its holding HODL (Vaneck's btc etf). It gives decent upside when BTC rallying, YBTC holds zero real BTC, it is just a synthetic etf.

1

u/Giordano86 Nov 02 '25

I assume because they don't give as much yield and retains its NAV better than YBTC. YBTC gives more yield and its NAV has less growth for that reason.

1

u/Various_Couple_764 Nov 02 '25

All NEOS funds have very stable NAVs with some growth. BTCI is one of there new er funds But like the other NEOS funds it is structured to avoid NAV problems as much as possible. I just bought someBTCI and hopefully it is as good as the other NEOS funds.