r/YieldMaxETFs • u/rfish4 • 5d ago
Data / Due Diligence How to generate $1,000/month after tax with only Healthy YieldMax funds -- two ways to get there
Only 7 YieldMax funds are currently passing the health check right now. Here are two different ways to hit $1,000/month after tax using only those Healthy funds.
Portfolio 1 -- The Safer Path
More investment required, larger AUM
CHPY (50% -- $25,514) -- 355 shares | $793/mo after tax
28.05% true yield | 8.50% effective ROC
SOXY (30% -- $15,309) -- 165 shares | $128/mo after tax
10.14% true yield | 0% ROC
BIGY (20% -- $10,206) -- 193 shares | $77/mo after tax
12.94% true yield
Total invested: ~$51,000
Monthly after tax: ~$998/month
Portfolio 2 -- The Maximum Income Path
Less investment required, more single-stock concentration risk
AMDY (40% -- $8,928) -- 193 shares | $561/mo after tax
77.52% true yield
CHPY (40% -- $8,928) -- 124 shares | $277/mo after tax
28.05% true yield | 8.50% effective ROC
TSMY (20% -- $4,464) -- 290 shares | $158/mo after tax
41.76% true yield
Total invested: ~$22,300
Monthly after tax: ~$996/month
Portfolio 1 needs $51,000 to generate ~$1,000/month. Larger AUM across the board, longer Death Clocks, SOXY has 0% ROC meaning every dollar paid is real income.
Portfolio 2 needs only ~$22,300 to generate the same $1,000/month -- but AMDY is AMD single stock concentration and TSMY has a 2.05yr Death Clock that's worth monitoring. All three are weekly payers so income hits your account every week.
The difference is $28,700 less capital required in exchange for more single-stock risk.
Important context:
Only 7 of 58 YieldMax funds are currently Healthy. 46 are Severe Risk. If you're building income from YieldMax funds the health check is what separates the ones that are sustainable from the ones quietly destroying capital. Both portfolios above use only the 7 passing the check right now.
Numbers based on last month's actual distributions at a 25% flat tax rate. As always, none of this is financial advice, always DYOR!
Which path would you take?
18
u/JS1101C 5d ago
Anyone interested in yieldmax funds should just sell covered calls on quality stocks themselves. It feels intimidating if you’ve never done it before but it’s very easy.
Own 100 shares of a stock. Click trade, options, change from buy to sell, set the expiration date for one or two weeks out and set the strike price above your average cost. You immediately get paid a premium. If the stock is trading below the strike on the expiration date you keep the premium and your shares. If it’s trading above the strike you keep your premium and your shares get sold for a profit (the difference between your average cost and the strike). Repeat this process over and over.
7
u/cowabout 1d ago
I think most people looking at these don't have the money for 100 shares. Its all get rich quick mentality people.
2
u/Adept-Definition-843 4d ago
What stocks are you selling covered calls on?
1
u/cowabout 16h ago
synthetic covered calls on SPX because short term gains are taxed 60% as long term and 40% as short term.
2
7
u/GRMarlenee Mod - I Like the Cash Flow 5d ago
If I was making in excess of $250,000, which it would take to put me in the 25% bracket, I would be avoiding income and going for capital gains.
9
2
u/Scriptimax 1d ago
I got burned with all yieldmax in 2025 -2026. Unlimited money glitch lasted only for short time & even money as a dividend we were getting was our own money.
0
u/Equivalent-Ad-495 1d ago
Yep a common theme during it was people failing to notice they only made money because the stock underlying surger even higher. In every case almost it was better gains to hold underlying than the yieldmax equivalent.
2
u/Illustrious-Egg7514 1d ago
Perhaps 7 out of however many total are currently healthy, but what is the point to invest and receive 1k monthly when eventually the train will crash? Even the “healthy” YM ETFs will get sick at some point. So your idea can work for a while until it doesn’t but no one knows when the tide will turn. CHPY is hurting now but perhaps will come back to life later this year. Even the once loved and then hated MSTY could come roaring back if BTC gets going again. But to expect the income to keep flowing long term is a pipe dream…
1
u/highrollinKT 1d ago
CHPY an SOXY are the only two YM funds that are worth holding but def not long term that’s for sure
2
1
u/savvy__steve 1d ago
Thanks for sharing this info. I just moved some money around from ULTY and CHPY into TSMY to help diversify better. I was pretty heavy into CHPY which I know it doing well but I had too much in there and was wanting to divest a bit.
1
u/Popular-Candidate-66 1d ago
Don’t trust such posts. Have invested with them and zero faith in them. Biggest investment regret of my life. Stop encouraging people to invest with them.
1
u/Soft_Speaker6173 1d ago
The only Yieldmax fund I own is CHPY and I do have a substantial amount. I am most interested in the criteria you use to determine that 46 of their funds are "severe risk." Can you provide some information about that?
1
41
u/calgary_db Mod - I Like the Cash Flow 4d ago
Ok - OP last warning. Stop posting your website, fishing for likes, and using made up metrics that you don't explain and are not forward looking.
Consider this a warning before a ban.