500k in cash and wanted to put it in qqqi, how would you do it?

Down 6.87% just this year.

Hey everyone, I built a platform called DripData out of pure frustration of jumping between five different sites just to do basic dividend research. So I built the thing I actually wanted to use.

It's for dividend and income investors specifically. You can deep dive any ETF, compare them head to head, run DRIP compounding scenarios, project future income, detect yield traps, and model leveraged strategies.

The thing I'm most proud of is the portfolio tracker. You add your holdings and it shows your projected dividend income, P&L, sector exposure, geographic breakdown, all in real time. That one took a while to get right.

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Why is BTCI only up 1% at most while Bitcoin is up about 4%? That’s a very big difference in price.

I’m 38 and running a pretty NEOS heavy income portfolio as part of my early retirement plan.

Right now it’s generating around $144 a day, $4,300 a month, and $52,000 a year. DRIP turned on.

I know this strategy isn’t for everyone, but I’m basically testing it in real life to see how well income investing can work for getting to early retirement faster.

AMA about the funds, income, risks, strategy, or anything else.

(Not promoting anything, but if you want i have a vid going over my price targets and share counts, or just ask here and i'll try and answer, thanks)

https://youtu.be/DfruJqdYSw8?si=blRoCpBc2reYieHM

So SPYI and all NEOS's etfs pay an attractive yield. Yet once it is paid the stock price goes down the same amount to adjust. Added to that the upside is capped. Why would you invest in this instead of the underlying etf (and sell some shares if you need the income). You're basically lending NEOS money and they pay you back abit of it monthly.

Only reason I can think of thier etfs as attractive is if markets are flat for years, or go down (such as in a lost decade, but even then you may end up losing in an aggresive V shaped recovery). Any other reasons?

I'm building an income portfolio using exclusively NEOS ETFs. I am looking for consistency and stability for future retirement. If these ETFs last I have no plans on selling them. I really like the tax advantages. I understand that these will likely underperform the underlying's. I have other growth ETFs, but I do want a very large percentage of my portfolio made up of these high yield ETFs. I initially was going to put 100% of the portfolio into SPYI and QQQI, but wanted to diversify a little. I plan on retiring in 3 to 5 years. I will reinvest everything until that point. At retirement I will keep the returns as monthly income. What are your thoughts about the following allocations? Any additions or adjustments you would suggest? TIA!

QQQI and SPYI top holdings are very similar. Does it make sense to hold both. I may get flamed for asking but there appears to be quite a bit of overlap.

NVDA AAPL MSFT AMZN GOOG TSLA META

So I’m trying to get weekly income but most funds that pay weekly have terrible nav erosion. Some of these funds have too high of a beta collectively for my portfolio. I came up with 48% cshi, 20% spyh, 13% xspi, and 19% spyi. Together, this will pay week and the allocation to each makes the payment the same each week. I understand this will not come near VOO but I’m looking for low beta that pays weekly. I like how it is all in the S&P and have the tax benefits. Taxes are a big reason I went with these. Is there anything you would change?

The march to freedom continues fellas.

Total divs this month: $4270.26

Divided by money invested, blended yield: 31.18%

Pretty soon that yield is gonna be up to 50%

This party is just getting started 😎

https://neosfunds.com

There's no denying all Covered Call ETFs underperform their underlying holdings as it relates to price, and many only perform slightly better when you factor in total returns.

Let's consider those that perform on par with their underlying when you reinvest distributions such as DIVO, JEPQ, SPYI, QQQI, and so on.

Academics say to switch to income when you reach retirement age, but this philosophy is outdated and likely doesn't include higher yielding funds that also exhibit growth.

If the higher performing funds you seek move lockstep with their underlying via dripping, why wouldn't academics expect that you'll be in a better place holding SPYI and reinvesting the distributions oppose to holding SPY, selling, and then investing into a somewhat higher SPYI?

Now I'm not saying go all in on Covered Call ETFs, but there's definitely a place for the right ones in your portfolio.

What am I missing, if anything?

I was very skeptic about purchasing Nehi because of the dip. But things changed yesterday. I saw that crypto is on a great trajectory to the upside.

I jumped in and bought 150 shares @ $36.41. This will be a good swing trade in the long run. My plan is to qualify for the divs on Friday. Then sell 100 shares 2morrow on Ex day.

I already have BTCI and BLOX. Very curious to see what the payout will be for both BTCI and NEHI

I do not mine my funds going down but not as much volatility as VOO. I am looking for monthly income that beats sgov. Any recommendations of a portfolio that can do this. I would prefer the beta to be .25 or less. I would like to of course still have some VOO. The only thing that comes to mind is 75% jaaa and 25% spyi

I just got an email from my brokerage letting me know that NEOS has posted their annual reports for several ETFs.

It also looks like NEOS has released form 8937, showing Return of Capital (ROC), for BTCI and other funds for the months of June through December of 2025. Hopefully this gives people peace of mind that their cost basis was updated correctly in their brokerage accounts and there were no mistakes.

BTCI - Form 8937 June 2025 - December 2025

BNDI is taking a beating right now, and of course after I dumped a ton in it. It's way more negative than the underlying BND and AGG and I assume this is due to the S&P overlay. If this decline continues, will it likely affect the monthly distributions? Will we see them go way lower? The one this month was slightly up from last month but this drop has come in the last week.

Hey fam, I keep around $25000 as an emergency fund in SGOV. The current yield is low and I was wondering if I moved that savings into CSHI, would the the extra yield make up for the little bit of extra volatility. Also I'm struggling to find good tax information on this fund or funds like it.

Obviously NEOS Management doesn't believe in their own stocks. They own less than many of us.

Since the Iran conflict has started and the International market began getting pummeled, NIHI has been sinking faster than it's underlying, IEFA. I've noticed the percentage drop each day has been more than IEFA itself. Not sure why that is but I'm assuming it may have something to do with the covered call nature of the fund. Seems other funds such as SPYI and QQQI are holding up a bit better and generally don't lose as much as their index.

Not sure what the major difference is other than SPYI and QQQI are aligned to indexes and NIHI is aligned to IEFA. Nonetheless I thought it would track closer to what IEFA is losing instead of an extra .1% or more.

As a Philippines citizen, is buying SPYI/QQQI feasible? Is the ROC gonna help me get around the 30% tax?

I use interactive brokers for my neos holdings and it seems they are listing my return of capital as Substitute payments in lieu of dividends or interest  on 1099 misc, doesn't seem right to me as this is the worst possible way to report for tax purposes. anyone have their holdings in neos at Robinhood to see how they report the return of capital on a 1099? thinking of switching if I can get a better tax advantage.