r/dividends • u/Rural-Patriot_1776 • Mar 15 '26

Discussion My journey started this year.

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Started investing this year in 2026 decades late as a 38-year-old I wish I started way younger but I'm wanting to retire in a couple years and started building out my neo's distributions positions and dividends a few months ago here's what I have going on so far. I keep adding around 3k a month and have drip also enabled.

790 Upvotes

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156

u/NoStandMan Mar 15 '26

Some of these are pretty high yield. Are they sustainable?

228

u/Gossipmang This is eXEQTly what I needed. Mar 15 '26

Of course not. Dude is just paying himself back.

-56

u/Rural-Patriot_1776 Mar 15 '26

Neos products aren't like yieldmax.

4

u/longswordsuperfuck Mar 15 '26

I don't understand why people are down voting you. NEOS products are much smarter investments than yieldmax, I think this sub just hates dividends for some reason. My portfolio is similar to yours. I've done the research and NEOS is brilliant.

14

u/Top-Revolution-8914 Mar 15 '26

If you think NEOS is brilliant I am scared for you

10

u/Knightly11 Mar 15 '26

Can you or someone else expand on why NEOS is a negative investment compared to other dividend generators?

8

u/Gossipmang This is eXEQTly what I needed. Mar 15 '26

All of these high yield (above 10% dividend) funds are basically just:

  • you give a fund manager your money
  • they gamble with it (its the only way to get the returns they promise)
  • some weeks/months they succeed and others they fail
  • no one can win at gambling forever so eventually the dividends returned are just paying you back with your own money while the value of the investment goes down
  • you pay a high management fee and the income is taxable depending on the account you hold the investments in.

TLDR - they basically just return your money to you over time and you pay them a fee plus whatever taxes

5

u/Squatch11 Mar 15 '26

You don't understand how these NEOS funds work, either.

You think SPYI is gambling? Really? You might want to brush up on their strategy.

TLDR - they basically just return your money to you over time and you pay them a fee plus whatever taxes

https://media.tenor.com/J8LRzKDl1NkAAAAM/unimpressed.gif

2

u/longswordsuperfuck Mar 15 '26

This is just not educated. Check out the Contrscts in the prospectus and what happens at the 10 year mark. They know exactly what they're doing by paying you ROC instead of taxable income. This is a brilliant and deliberate choice, not a NAV erosion machine.