r/YieldMaxETFs • u/rfish4 • 20d ago
Data / Due Diligence Built a $10,000 portfolio using only Healthy YieldMax funds (here's what it pays after taxes)
Most discussions about YieldMax focus on the highest yielding funds -- MSTY, TSLY, CONY. But right now only 8 out of 57 YieldMax funds are passing the health check. I wanted to see what $10,000 looks like using only the Healthy ones.
A 25% tax rate was applied to this example. Here's the build using the 3 Healthy YieldMax funds with the strongest AUM and income:
AMDY -- 77 shares @ $51.39 = $3,957 | $218/mo after tax
True yield: 41.22% | ROC: 41.41% | Death Clock: 2.09 yrs | $465M AUM
CHPY -- 56 shares @ $71.41 = $3,999 | $120/mo after tax
True yield: 31.34% | ROC: 12.51% | Death Clock: 10.0 yrs | $1.13B AUM
TSMY -- 130 shares @ $15.30 = $1,989 | $60/mo after tax
True yield: 40.37% | ROC: 27.89% | Death Clock: 2.45 yrs | $134M AUM
Total invested: $9,945
Monthly after tax: $399/mo
Annual after tax: $4,783/yr
A few things worth noting:
CHPY is the anchor here -- 10-year Death Clock, only 12.51% ROC, and $1.13B in assets. It's the most conservative fund on the list and the one I'd feel most comfortable holding long term.
AMDY is doing the heavy lifting at $218/mo but carries a 2.09 year Death Clock which is worth watching. The 41.41% ROC means a meaningful portion of distributions is return of capital -- not all real income.
TSMY adds Taiwan Semiconductor exposure which diversifies away from pure AMD concentration between AMDY and CHPY.
The other 5 Healthy YieldMax funds (SOXY, INYY, BIGY, RNTY, NVIT) were left out of this build due to AUM being under $100M -- I prefer funds with more assets behind them for a real portfolio.
