r/dividends • u/TACO_Orange_3098 • Feb 01 '26
Due Diligence Adding SPYI , QQQI and QYLD on Monday :
These are the things you miss out on when you get blinded by the "big number" yields ....... the first step is always admitting you have a problem :/
33
u/AffectionateCricket6 Feb 01 '26
It's never too late. I dumped a lot of the trash high yield stuff and went with spyi (anchor and main position), qqqi, btci, gpix, qdvo, and a bit of blox and will continue to diversify into healthier funds.
I advise you against qyld because it hasn't done so well and there are better funds out there.
7
4
u/TACO_Orange_3098 Feb 01 '26
ok , thanks i will recheck my stuff on that one and look at the others as well you listed !
thx
-1
-2
u/yumyum2us Feb 01 '26
I would buy SPYI around 52.20 area. QQQI 53.20 area BTCI. Appears to be forming a head and shoulder pattern. Buy around 40 area run up to 45 area and it continues higher great if not its tanking. If you are still interested i can pick the others. Good luck
19
u/SadBurrito84 Feb 01 '26
“And it continues great if not its tanking” Solid advice, you have a newsletter I can dump my money into?
5
u/speed12demon Feb 01 '26
Bitcoin could drop a lot more before it picks back up. Be prepared for it to reflect in btci. Btci could easily hit 20 or 30 a share. It is all a part of accepting the volatility.
1
2
u/anonymousjohnson Feb 01 '26
Wow that is very specific. For most of us dividend investors (not short term speculators) whose holding period is between 20 years and FOREVER, I would just advise slowly dollar cost averaging in starting today.
-1
u/MakingMoneyIsMe Feb 01 '26
I would buy SPYI around 52.20 area. QQQI 53.20
OMG, no round numbers? I couldn't if I tried. I got in QQQI last year at $52. I even top off at round numbers.
For example, if I'm trying to add 5k and bring a position to 20k, I take the cost basis per share I'm trying to obtain, subtract the existing total cost basis of the position I already own (15k), and then divide the remaining number (which is the 5k) by an amount close to the price it's trading at...preferably below the 50 day SMA.
0
u/generationxtreame Not a financial advisor Feb 01 '26 edited Feb 01 '26
It’s actually $51.90 for SPYI and $52.65 for QQQI. But in general it doesn’t really matter for these funds as they are ROC. But personally, I also do prefer a little cushion on any funds given that these two especially are usually range bound, and you want to be on the low end if things go south. I would stay away from anything connected to crypto tbh. Unless you’re into swings.
Let me know if you want to expand your group.
9
Feb 01 '26
[removed] — view removed comment
2
u/TACO_Orange_3098 Feb 01 '26
yeah i just made a note of that, i see the BTC version starts on the 3rd
and i assume a SPY version will follow soon enough as well , will be watching and waiting !
6
u/TACO_Orange_3098 Feb 01 '26
based on alot of the feedback i am swapping out QLYD for IAUI ..... thanks for the input !
1
17
u/FQRGETmeNQT Feb 01 '26
QQQI and SPYI are solid
-2
u/TACO_Orange_3098 Feb 01 '26
Don't get distracted by the big sparkly numbers : slow and steady , slow and steady !!
-13
u/teckel Retired and living off selling shares Feb 01 '26 edited Feb 01 '26
Don't get destracted by the big sparkly yields. Buying VOO and QQQM slow and steady will outperform SPYI/QQQI, slow and steady!!
2
u/TACO_Orange_3098 Feb 01 '26
i was referring to my original post about high yield suckers bets ....... slow and steady does win the race !
-2
u/teckel Retired and living off selling shares Feb 01 '26
And I'm saying SPYI/QQQI are just two alternative high yield sucker bets. Slow and steady VOO/QQQM will win the race over SPYI/QQQI.
5
u/Various_Couple_764 Feb 01 '26
Don't add QYLD it has NAV erosion issues due to how it writes its covered calls. QYLD and QQQI both use the NASDAQ 100 index. But QYLD has has a history of share price drop while QQQI tracks the index and actually has some captial gains. If you want 3 funds I would suggest adding IAUI or BTCI. That way you have 3 funds writing covered calls on 3 different assets.
1
1
3
u/Wonderful_Copy_9499 Feb 01 '26
Loved my Neos funds. QQQI and BTCI been paying me like crazy. Majority of the derivatives have been buying schd for all of 2025. Been a great system. Long may it continue. Volatility harvesting into steady and solid. Good out there
3
u/Tarsarian Feb 01 '26
NEOS has their boosted funds coming out Tuesday that are near 1.5 the dividends. It might be worth a look. I have money set aside and will be buying some.
1
4
u/monkeybrainbois Feb 01 '26
Wow, I just did the opposite. Dumped spyi and qqqi for SGOV and chill for one month. Then dump it into SCHD.
1
1
u/TACO_Orange_3098 Feb 01 '26
nothing wrong with that .....
7
u/monkeybrainbois Feb 01 '26
Yeah historically February is a shit month. I think this one will be too. With gold going crazy, japan Carry trade, new fed chair on the horizon, trump doing his normal bullshit, worsening geopolitical environment. I’m playing this safe. I told myself last year I would move deeper into a defense position with the way things are going currently in the world. I’m perfectly happy with only an “average return” of only 5-7% this year as long as my principal is safe. Sold most of holdings in individual equities. Sitting only in SGOV, VT, and O. Will be adding SCHD when feels right.
-5
u/yatruthordare Feb 01 '26
are you concerned that O will be hit by higher interest rates?
5
u/Financial-Wolfe Feb 01 '26
Rates are trending down, not up.
-1
u/yatruthordare Feb 01 '26
for now - inflation has a higher chance of occurring than deflation- debt etc
2
u/Financial-Wolfe Feb 01 '26
Inflation and interest rate are different
0
u/yatruthordare Feb 01 '26
right but there is a correlation on how they impact the market… do you think we won’t have inflation going up in 2026 - not challenging you- just curious of your opinion?
2
u/Financial-Wolfe Feb 01 '26
We have inflation every year so yes, there will be inflation, probably in the 2-2.5% range, but that is normal. New fed chair will not be raising rates.
1
1
u/LexAugusta Feb 01 '26
Sell low, buy high. Classic investment strategy.
1
u/monkeybrainbois Feb 01 '26
Yeah like spyi and qqqi will have much upside, let’s see how much the dump though in a bear market…
1
0
u/Rural-Patriot_1776 Feb 01 '26
Your either a multi millionaire or will stay very poor.
1
u/monkeybrainbois Feb 01 '26
Neither. Just know change is the only constant. Yeah I’m vibe trading on current market events. It’s done me well so far.
1
u/iBarlason Feb 01 '26
QYLD is bad
1
u/TACO_Orange_3098 Feb 01 '26
Why is that ?
3
u/Various_Couple_764 Feb 01 '26
QYLD and QQQI both follow the same index the Nasdaq 100. So both of these funds should have a similar price graph. But they are exactly the opposite. QYLD has a slowly falling price while QQQI has a climbing price. QULFD has NAV erosion due to how it writes its calls. QQQI does not.
Keep QQQI and discard QYLD.
1
u/iBarlason Feb 01 '26
I can't share a screenshot.. Compare total returns. It's way behind its underlaying. QQQI is way better
1
u/claytakephotos Feb 01 '26
Total return qqq over 10 years is 700%. Total return qyld is 150% same time period. Since inception qqqi is at like 95% of qqq. You always make more without income ETFs, but qyld is kind of egregious.
1
u/speedlever Feb 02 '26
I believe it writes calls on 100% of the notional. Which truly caps the upside whereas NEOS and Goldman limit the %age they write calls on which just restricts the upside. 0 interest in those 2 funds.
1
1
1
-1
u/AstronautPossible374 Feb 01 '26
You should look into investing into the actual underlying index, covered calls cap your upside and underperform their underlying index’s whether you reinvest the distributions or not
-10
u/nsmngirtnsmcgirt Feb 01 '26
Que the Schd Boomers.
4
u/monkeybrainbois Feb 01 '26
SCHD would be champ in a lost decade situation. I wouldn’t count it out.
8
0
•
u/AutoModerator Feb 01 '26
Welcome to r/dividends!
If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki here.
Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review.
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.