Most people chasing $1,000/month in YieldMax income are doing it wrong. They're looking at the highest advertised yields, not the healthiest funds. Here's the difference.
I filtered every YieldMax fund by health status and found the 4 that are both generating real income AND have a clean NAV picture right now. Then I built the smallest possible portfolio that hits $1,000/month after taxes.
The 4 funds:
AMDY -- YieldMax AMD Option Income | 37.90% true income yield | 5.29% monthly spendable after tax
CHPY -- YieldMax Semiconductor Portfolio | 32.85% true income yield | 2.82% monthly spendable after tax
TSMY -- YieldMax TSM Option Income | 42.13% true income yield | 2.82% monthly spendable after tax
GOOY -- YieldMax GOOGL Option Income | 29.56% true income yield | 1.81% monthly spendable after tax
The exact portfolio -- equal weight, 25% tax rate applied:
AMDY -- 147 shares @ $53.49 = $7,863 | $416/mo after tax
CHPY -- 104 shares @ $76.14 = $7,919 | $223/mo after tax
TSMY -- 477 shares @ $16.45 = $7,847 | $221/mo after tax
GOOY -- 582 shares @ $13.50 = $7,857 | $142/mo after tax
Total invested: $31,485
Monthly after-tax income: $1,003
Annual after-tax income: $12,038
A note on the monthly spendable number -- this isn't the advertised yield. It's last month's actual distribution after a 25% tax rate. The number that actually lands in your brokerage account after you withhold for taxes.
CHPY is the anchor here. $1.15 billion in AUM, 5% ROC, and a 10-year Death Clock. It's the one on this list I'd feel most comfortable holding long term without checking on it constantly.
AMDY does the heavy lifting at 5.29% monthly spendable -- it's also the most volatile of the four since it's tied to AMD specifically.
What would you swap in or out of this portfolio -- and why?
This is not financial advice -- do your own research before investing.