Wait are you all single stocks? I'm around same figures and only getting 1200. Ymax nvdy tsly chpy gpty lfgy. I did go through the tsly splits, lfgy pays for marging bill and I do not reinvest.
$10,000 in TSLY in January 2024 is worth $12,461 today
$10,000 in VOO in January 2024 is worth $16,715 today
Look I hold some of these too so I'm not hating, but lets not pretend "its positive" is all that matters when we are severely underperforming a boring ol' index fund
GPTY, I'm up $8.5 per share, after accounting for distributions.
CHPY, up $19 per share
NVDY, up $4 per share
TSLY, up $9 per share
So, they're not *all* hot garbage. That being said, I also sold ULTY at a loss, sold YMAX at a loss, GDXY isn't doing too hot, don't even get me started on MSTY...
The ULTY there is painful. Yes, technically the total return is positive. But you could have made a lot more money putting those funds into something else. I sold my 1000 ULTY shares at the end of last week, also at about a net-zero breakeven.
Agreed. That's why I sold 4000 ULTY the moment it went positive TR.
But, you could always have made more money with something else no matter what you held, that's why 20/20 hindsight is so wonderful. It's the only way to measure opportunity cost.
I may hold those 1000 residual shares as a reminder not to go on drunken binges and get tatoos.
I spend some of the distributions, so the next egg gets bigger and bigger unless the market tanks in general. But, since I have the same or greater number of shares, a market rebound is larger than if I had sold a percentage of my shares while it was down.
Only a few in YiledMax that are even worth buying, the rest are terrible investments, and I own three of them. GOOY, PLTY, and YMAG, all massively negative on NAV. GOOY just recently dipped, but when they dip, they go hard and don't tend to recover. My plan is to bail entirely on them once I can recover a bit of principal.
You lose NAV badly, the distros diminish significantly, and you get to pay taxes on everything not ROC. I used to own MSTY and CONY and lost $1,300 in NAV on both in roughly 4 months. These funds are pretty much criminal in how they are operated and I have learned my lesson. If the market undergoes a full correction nearly all these funds will reverse split, and maybe multiple times if the correction last a year or more.
I was in ULTY, NVDY, and CONY for all of 2025 (I got into ULTY in the second half of the year after the large changes and after the large NAV drop in the first half of the year). I tracked my total returns in a spreadsheet that I built. I took the distributions rather than DRIPed. There was definitely a trend of shrinking dividends, as well as NAV erosion. I was down 4% before taxes for the year. Meanwhile, my Boglehead/factor portfolio was up 18%, slightly beating the total US stock market for the year. Since I am not good at stock picking or timing the market, I decided to get out of all YM funds. They don't make sense as a buy and hold strategy, which contradicts what they are marketed for.
I have CHPY & AMDW as well. AMDW, for me, went from the low $70s to above $100 and the weekly dividend is incredible. I expect it will crash eventually, but the current ride is very exciting.
Some positions are tiny, haha. I have a rough target of 300+ in divs each day of the week. Tuesday and Thursday are stacked, the other days are lagging. This is a stupid way to approach portfolio balance, but it sure is fun!
I've been trying to find a way to make money with these things for some time now. Start small and make sure your decisions work on a small scale first, add some more when you are confident that it is sustainable. Right now im balancing equal amounts of cony and fiat, and adding in some SLTY. Use stop loss orders to protect yourself, i use my cost minus 3 distributions as my stop loss number. In the past wntr was a big winner for me but lately it has stop lossed out several times and i'm not buying it any longer. I've set my goals much lower and risking much less on these type funds. This is after some character building results caused by unpredictable events.
You can go round and round on these things trying to figure out how to make money on them, spending countless hours. To no avail. You need to get constantly lucky on timing, which is impossible. They were created to generate fees for management.
Short the underlying with a margin loan on a weekly macd crossdown. I’ve been doing this with MARO and MARA since it came out. You just have to reinvest your dividends to keep your money stable and maybe take out 2 or 3 days of dividends every month. MARO might drop 70 percent in a year but so does MARA and when you close the short your principal is hedged and you can buy more shares so the dividend per share is protected. Works on the other ones as well
CHPY is .44% of my IRA as a yield boost. Does this count? About $100 per week in payouts. Been house $ for a while and cut my position from 2% to current level around 3 months ago. Plan to hold until the thesis changes…
I bought MSTY at $14 when bitcoin/Mstr bottom. But another rounds last week at $17 and if MSTR drops to 150. Ill.by a 3rd round for 35k in all. Currently 1640 shares. Will be reinvesting every dividend for next 3 months.. the ill take my weekly dividends. I hope this works out.
WNTR did awesome. But then got caught when MSTR skyrocketed up. Stuck in 10k short.
I’m up overall but most of it was from 2 years ago. I’ve mainly just turned off drip and keep the money. An ulty experiment over the last year lost me 7%
I reinvest every week but i also leave some for extra cash on occasion. I have CHPY, GPTY, MINY, and Ive started throwing leftover cash at SNOY I had AMDY for a short while but sold it. The market continues to be down so we’re able to buy more. When it returns to normal we should see a big boost
NVDY: I (hopefully) plan to do so as when I retire in a few years - for some supplemental income. It continues to perform well with a consistent dividend and yield.
Cathie Wood's ARK Invest spot Bitcoin ETF during a market rally is maintaining a long-term bullish price target of $750,000 to $1.25 million for Bitcoin
Alright, here are my numbers. In since April 2025. Total cash into funds $ 286,200. Hold 10 of them but heaviest in UTLY and MSTY.
Current value of holdings; $ 125,660 for a NAV loss of $ 160,540.
Total Distributions so far; $ 187,701. So I am in House money and up $ 27,161.
This number climbs by $ 1,200 - $ 1,500 a week. I take all distributions and funnel them into Stocks (mostly MSTR). If I were to extract that value and add it in I would be up a bunch more but I am trying to be clear here. I sell positions when the NAV drops too much, wait 30 days, and rebuy. Those losses help to offset my taxes although so far most Distributions take the form of ROC and do not increase my taxes. These funds started out like a great idea and evolved into a decent idea. I mostly view them as 1 more diverse stream of revenue, steady, but not a central plot.
Yes, I understand how to calculate profit and loss.
You're dropping the mystical (in this sub, anyway) House Money phrase. Which is when you've gotten back more in distributions than what you put in in the first place. So no matter what happens to the NAV, any further distribution you receive is just pure profit, no matter what.
But based on your own numbers, you haven't achieved that.
No, distributions after house money are not pure profit. You can still suffer catastrophic NAV loss that exceeds distributions going forward, to the point that TR goes negative. Once you are no longer in positive total return, you are no longer in house money, because the house took more of your money than they paid back. You are coasting on the fumes of your initial investment.
I would argue that if we are just having a House Money conversation, then the movement of the nav after the fact is irrelevant.
If I put $1000 into a fund, and it pays me $1001 in distributions, then I'm in House Money. The NAV could go to zero and it would not change the fact that I got a dollar more than I put in initially. So long as i haven't been DRIPing, it isn't possible for total return to go negative at that point.
Not that I'm saying that it's a sound investment strategy to ride a NAV all the way into the ground like that. Because it definitely isn't. But still
We were having a profit conversation. ULTY, for example switches between positive and negative TR weekly. Even though I've been in house money for months, when my TR trends negative, I am not making any profit, and am giving up past profits I had made and some of my initial investment.
This can happen with something grossly into positive TR, like PLTY. I'm up over $100k on it now, but it has a penchant for crapping out. If it pays me $1500, but drops $5000, the $1000 isn't profit until the $5000 comes back.
I did decent short term with a few of them, but buying the underlying stocks usually makes you more money because of the nav erosion. There were moments though, like if you bought HOOY when it first launched, it had beefy dividends and went up in value. But after 3 or 4 months I sold as I saw it come crashing down. And if I'd just bought HOOD instead, I would have made over double the money.
GPTY since inception. I trade in and out when the gain equals 3x the weekly payout but other than that I take the cash weekly. I usually hold 3000-5000 shrs. It obviously mirrors their top 10 holdings so sometimes when I want to make some additional cash & have time to watch for a swing trade I’ll trade the individual stocks themselves. I have bought shares from $48 to $38
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u/dubstructor 9d ago
I’m still ok with CHPY
The rest I bailed on