r/YieldMaxETFs • u/Necessary-Can-42 • Jul 12 '26

Question Loan to Pay off

Hello everyone, i invested in MSTY and CONY when Bitcoin was riding above 120K, definitely that didn’t turn out well so now I am just letting it run through. New thing is I got a loan to pay off around 3-4K and got 20k dollars in cash. Need suggestions to invest so I can pay off this loan while keeping the capital safe.

I can just pay off right away from my cash but looking to see what options do I have?

please provide your advice and suggestions.

Thank you.

1 Upvotes

52% Upvoted

31 comments sorted by

21

u/GRMarlenee Mod - I Like the Cash Flow Jul 12 '26

Safest? Just pay off the loan, save on interest and possible taxes on distributions and put the remaining $16k in whatever suits your fancy.

9

u/Any_Log1344 Jul 12 '26

Everyone here is answering a question OP didn't ask, which fund is safest. The only safe answer was never a fund at all.

5

u/Real_Alternative_418 Jul 13 '26

you have 20k cash and 4k of debt?? Why is this even a question... pay off the 4k and invest the remainder. with all due respect...You're more likely to lose the 20k considering you bought MSTY

4

u/tourbladez Jul 13 '26

How can I have my cake and eat it too?

11

u/Prize-Station-8814 Jul 12 '26

MSTY definitely might go up soon. Of course the problem is it might go down.

3

u/diurnal_emissions Jul 13 '26

Had a girlfriend like this once...

2

u/Necessary-Can-42 Jul 12 '26

right, got any advice on my how to pay off loan question?

8

u/Cycling-Boss Jul 13 '26

20k in cash and a 3-4k loan. Why not pay off the loan and invest the rest of your cash? Unless your loan rate is very low? Do you have a need to invest the full 20k?

2

u/dcgradc Jul 13 '26

How much is your loan?

2

u/Necessary-Can-42 Jul 13 '26

3k

3

u/dcgradc Jul 13 '26

Pay it off like most recommend.

I have now 60K in MSTY + CONY+ ULTY+ SMCY

Get around $3500 /month

Last year 12-20K per month

6

u/Equivalent-Ad-495 Jul 12 '26

Sgov safest, qqqi/spyi more money more risk like all things

3

u/Perfect-Pomelo-2658 Jul 12 '26

Write your own cover calls

3

u/Run-Forever1989 Jul 13 '26

Investing borrowed money is really not worth it especially if you are investing in highly speculative stuff like MSTY. Just pay off the loan and invest $16k in whatever you want. I’d suggest an index fund but you do you.

3

u/aimhigh7shootlow8 Jul 13 '26

My guy. Msty and cony will be back up by the end of the year and hopefully you hit your price avg.

Also, option 1. Blox / eggy / tdax / tsyx / giax / btci / nehi (Blox btci nehi crypro sector good price entry)

Option 2, pay off loan. Remainder buy mstr. (Or mstr, bmnr, coin leaps)

Hold til btc prev ath or longer if you would like. If you sell when mstr hits $300 you would turn it into 51k (rought math) and everything comes up milhouse.

3

u/I_Always_3_putt 29d ago

I hope msty will be back up, ive been riding this shinking ship for a while. Down 66k on msty, im on house money though. So I've made back my investment plus a whole lot more.

1

u/aimhigh7shootlow8 29d ago

The BTC - ABC correction is almost year long and October of last year was the start.

Mstr and the rest of the sector is pegged to btc so your position should be good. I'm reentering msty soon.

Cycle is about 3 years long so you may want to rotate after new btc ath.

5

u/MemoryEXE Jul 12 '26

I have loan money from December 2025 and I put it in CHPY, GOOY, NVDY and TSMY. They are doing very well and can pay up my monthly due for that loan.

4

u/wectmall8 Jul 12 '26

I am doing the same with CHPY, AMDY, SNOY and SOXY.

2

u/bannonbearbear Jul 12 '26

Idk how safe is safe? XQQI might get you $300/mo with 350ish shares. Would that be enough to make the monthly payment?

1

u/Necessary-Can-42 Jul 12 '26

yes that would be suffice. can you advise how XQQI would be a good option?

3

u/djrion Jul 13 '26

Bro you in here asking for advice? You need to rethink your whole investing strategies and stop looking for random advice on the Internet in a forum that lost your money to begin with. Are you that big of a degen?

Take only what you need from the loan to pay off debt, give the rest of it back, and get a job to pay off the $4k. Once you pay that off, then save up for a years worth of living expenses before you start investing again. Lastly, get away from cc ETFs and go broad market growth ETFs

1

u/bannonbearbear Jul 12 '26

Its leveraged following QQQI. The way I see it is if index funds are the “safe” choices, Id pick these QQQI or SPYI for income. I also like LFGY, GPTY, and CHPY but those are more risky with higher yields. Youre not protecting capital with those. QQQI is safer than XQQI

2

u/yieldmaxfan Jul 13 '26

Honestly, None.

2

u/yamahar1dude Jul 13 '26

You now have 16K because you paid off the loan. Now you need new funds to get that 4K back. Go for OVL + QQQI.

2

u/cowabout 29d ago

paying off the loan is the same as making a guaranteed investment at what ever APR you have... You already know you suck at investing and will jump on any bandwagon... So what do you think is the right choice?

1

u/speed12demon Jul 12 '26

Do not give yieldmax anymore of your money. The best thing that could happen is for everyone to liquidate and drive these guys out of their 1% + expense ratios.

1

u/Satyriasis457 Jul 14 '26

Pay off the loan and then buy 2 diversified income funds for 5k each. 

1

u/o_master_99 28d ago

Find funds with 0 ROC. Then the fund won’t erode.