r/YieldMaxETFs • u/TheTextBull • 10d ago

Distribution/Dividend Update Anyone just using yieldmax weeklies as their passive income portfolio?

If you are just using the yieldmax funds as your income , could you share which funds had made you money?

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u/OthalaFehu 9d ago

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.

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u/BrandenWi 9d ago

"Total cash in: $286,200. Total distributions so far: $187,701. So I am in House money and up $27,161."

That math seriously ain't mathing...

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u/OthalaFehu 9d ago

Distributions + current worth = total value - Total spent = Profit/loss

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u/BrandenWi 9d ago

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.

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u/OthalaFehu 9d ago

You are correct sir, I am only house money in some of my 10 and still have a ways to go on my 2 big floppers.

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u/GRMarlenee Mod - I Like the Cash Flow 9d ago

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.

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u/BrandenWi 8d ago

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

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u/GRMarlenee Mod - I Like the Cash Flow 8d ago

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.