How to Retire on Series Starring YieldMax Fund of Funds YMAX - Episode 2

****Please note that past performance does not represent what may happen in the future with the funds covered****
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Not financial advice! Please do your own research.
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[@rogerbudgell4226]

Capital flat is a good thing , price stays at $20 and pays out 35% yield will make me one happy camper ! Your video gets a like from me 😊

[@markschellhammer4663]

What is capital flat?

[@roncraft2042]

Stable NAV and more like 45% yield.

[@mmabagain]

One wonders just how long this can keep paying out like this. Retirement can be 30 years long.

[@dougcarnall]

Retire on : YMAX, CLM, CRF, QDTE, MSTY ,NVDY and CONY. Let's Go 💵🚀💵

[@rogerbudgell4226]

Capital flat is perfectly fine with me ! I will be quite content if the price stays at $20 and pay out 35 % yield . Your video gets a like from me ,😊

[@dr_brewer]

that’s not how expenses work at all, they’re passively removed from the fund every day so all appreciation and dividends are already ex-expense

[@tderkitt]

also need to take inflation into account and taxes...this will only make sense when compared against other funds that will be studied in the future, however each time a new fund is studied the older ones need to be redone to ensure past history is apples to apples

[@JackMoynihan16]

Phenomenal spreadsheet! I admire your Excel skills. YMAX is a top notch fund.

[@talokat]

Can you pinpoint the location of that spreadsheet. I dont see it in the video.

[@TheDividendNomad]

I just grabbed my first 100 shares of YMAX

[@jaypaladin-havesmartswilll5508]

Great work and calculations after a few hiccups. I am seriously looking to invest in YMAX but I am watching its movement and researching more than I did on TSLY. I am leaning to say YMAX is the best ETF for investors who are not active daily in monitoring investments but more weekly and monthly.

[@DividendDork]

Hey, it’s fun to dream about ROD! I bought another 100 shares of YMAX today at 19.85, too good to pass up.

[@TheDividendNomad]

Same here. Got a change to add today

[@frankbarnes9936]

I’ve developed a similar spreadsheet for me and my son but using the ETF’s I own and let it roll up totals. Our target ETFs to buy are only those that tend to have 50% or higher annualized returns with $1 or more monthly dividend. (We do have a couple that are just under our target). So far we are running at avg 80% annual return. My son’s goal like ROD’s is to retire ASAP, maybe 3-4 years from now, he’s 39. In 2027 if YM continues he will = his income. I’ve advised him let investments grow to double current income before retiring. Then there will be enough $ to put some in more conservative investments This is very high risk but very good reward.

[@duncancaldwell8434]

I vote for MSTY!!!!! Thanks for all you do. I'm learning lots.🤑

[@RetireonDividends]

That will be a good one lol

[@roncraft2042]

MSTY is based on bit coin. It has a couple of good years then four years of being a bottom feeder. Terrible idea to retire on CONY, BITO, MSTY, etc. Is a terrible idea.

[@WarriorPrincess611]

@@roncraft2042 I disagree. Bitcoin is the new gold. It cannot be manipulated. My crystal ball says it is the only play to count on.

[@roncraft2042]

@@WarriorPrincess611 then go all in, good luck.

[@mannyreyes6384]

Thank you, R.o.D. That was encouraging. We all struggled to get by these days. With YMAX, a slower (safer too) but steady ETF eventually wins the race.

[@roncraft2042]

Over 11,000 (11,197 actually) shares of YMAX, on drip. Awesome fund.

[@bloodCount8895]

950 here in a rollover ira. last distribution was 599.99$ for me. always dripping and using my other YM dividends to buy more.

[@robertneil2049]

thats real nice. grats!

[@rogerroberts9299]

I've been testing with small amounts the last two months. Going to see this upcoming before I go in with some capital myself. Ymax has been solid.

[@BrisLS1]

You guys are kidding right? You realize this thing goes to zero in a recession? Cover your butts.

[@Bdog6223]

@@BrisLS1I’m in crypto so I can tell you if there is a 90% pullback that is when you buy! Buy low sell high, it ain’t rocket science!

[@mikechudzinski6629]

YMAX id definitely great ETF, I'm up to 45 shares and buying on dips. Great episode, but that might just be the caffeine talking...

[@ismith351]

Thank you for this video and Thank you for your effort to keep us update everyday!!

[@AntBoogieWorld]

YMAX is an amazing income fund glad I own it.

[@SummitMan165]

Good video I like the idea! I plan to test the concept of 3-4 high yields ETF with 50% on margin. Use distributions to pay the margin fast, let roll the house money after that ! 🤞🤞

[@RetireonDividends]

If you would like to join the Retiring on Dividends Discord, here’s the link: discord.gg/AXEynRXh

[@WarriorPrincess611]

I'm in MSTY and ULTY. It's been great! I'm totally satisfied.

[@joehogan8234]

Lets do FEPI.

[@Tideo123]

Great illustration ROD. Could also do a combo of 3 funds (SPYT + YMAX + YMAG) to see if it's better than just one fund portfolio.

[@JerryLivinthelife]

Yes, and perhaps some experts here can suggest strategies with maybe 50% of buying power to use for keeping our account balances stable after ex dates,etc. Those of us already retired need to use those dividends at this point. My suggested combo I'm watching are YMAX, CONY, and NVDY for stability, yield, and Juice!

[@Tideo123]

@@JerryLivinthelife I like your combo but you should add some index fund in there like SPYT, SPYI and the likes to have a more stable portfolio. YMAX is good but when thing goes sour not just one stock goes down but all the high IV stocks will go down together. I like CONY and you can use short CONL to hedge if needed. NVDY, boy it is a God sent stock that does not want lo land at any time. I will buy some NVDA not NVDY because I want quick in quick out not got stuck with the yield and can't let go.

[@Jim-cs6ve]

How about FEPI. Thanks for the video, always appreciate your hard work!

[@vin463]

I just started. Got 300 shares. Will be adding much more!!!!

[@burrissa]

I was looking for a distribution column but didn't see one. For those of us who are already retired and wanting to pull part of the dividend out it would be nice to see. I tried putting a negative number in the monthly investment cell but it didn't calculate for the first year column but did for the other years. Thanks for sharing your spreadsheets.

[@musicwizarddj]

I vote for "How to Retire on Defiance ETFs"

[@RetireonDividends]

Let’s do it!

[@raymondchao6146]

Very doable with ymax, no capital depreciation so far ❤this fund.

[@MaxYields]

Calcs look great, Mark. Looks like you should be able to meet or exceed your planned retirement date 👍

[@roncraft2042]

I would say you are grossly underestimating the dividend yield. It’s currently 43%. The lower early percentages were due to “dilution”. Now that the outstanding shares is so large that the usual suspects that pile in on the declaration date becomes a much smaller percentage of the total, so “dilution” becomes negligible. I think the distribution will settle in between 45-50%. Well I was way wrong. Huge dilution ... 15%. Wow.

[@RetireonDividends]

Better to under then over

[@misterringer]

GDXY will be in there soon too so even more diversity. I wouldn't count on appreciation long term, but I do think it's going to be relatively stable because it does have some capped growth to offset it's losses. But 30-40% REAL RETURNS is f#$king amazing. I hope it keeps up.

[@RichardAkin-qj6xt]

YMAG is my pick but FEPI is more popular! I wouldn't think anyone would need over 300k annually to retire, unless you're buying brand new cars and houses every year! Great video, very nice 👍

[@polishpimp4233]

honestly you can live on 50k a year with some modest sacrifices. This country spends money on the dumbest of shit. A lot of people are living paycheck to paycheck due to terrible money mismanagement.

[@alanbaker-uh5mm]

Awesome start to what will be a great series. 👍

[@Lovemuscle]

I enjoyed this new series 'How to Retire on"... Nice idea. Thank you. Sorry to hear about your wife, it will get better and likely to be even better. stay strong. Thanks again!

[@RetireonDividends]

My wife leaving her job was planned so she can take care of the children, she didn’t lose her job or anything.

[@Lovemuscle]

@@RetireonDividends oh good to hear. Thanks for sharing.

[@freddy5959-e4t]

How about figuring out if we can find funds that provide a daily dividend payout? Thanks Rod!

[@dandans9060]

Hey ROD , great video and content , love seeing long term strategy. Recently tactical stock scalper did a vid and said his math was YMAG literally out performed everything wondering what you think of that

[@susanwheeler-hall]

Really like this series thank you!

[@MaikDesta]

Thank You RoD! Another awesome video and life changing information. Thank you for your generosity!!! I used and shared your excel to many of my family friends. All were 😲 Thank you again! 🙏

[@johnnyfontechanic7556]

What is different fepi (I never heard that stock) and yield max? I do have yield max 300 shares and reinvest monthly and your video made me understand growth stocks and be consistently. I’m staying home as dad watching over my daughter now 2and 1/2 yrs old…

[@freddy5959-e4t]

I am using Dividend Capture Strategy for YMAX. Is there a max that you should invest before ex date? Why not use this strategy with the $50k?

[@LegitYapper]

All in on YMAX and use div to DCA into s&p and qqq after the correction

[@thisandthat849]

For tax for these ETFs, is it a dividend tax (15% or 20%) or income tax (whatever your income bracket is)?

[@chrisstrickland4433]

Since this is retire on, why not look at it being in a ROTH IRA?

[@rogerroberts9299]

Great video and solid etf so far.

[@NUKE.2024]

I don't DRIP / reinvest, so preservation of original investment is highly important. I'm skeptical the capital appreciation won't be positive. However, I do own a starter position of 1000 shares for the past 1-1/2 months

[@mytrueserenity5666]

Loved this! What fund has more historical data that can be done? Perhaps one with a couple of years of history? I realize it won't be a YieldMax fund as they are too new. Also, does your spreadsheet adjust for tax % over time as the income rises? Appreciate your efforts, as always!

[@dtkodak123]

Best way to "retire on yieldmax" is to not buy their ETF and buy the underlying stock instead. You'll make more on total returns than buying yieldmax. You're welcome.

[@hereweare9011]

CONY enters the chat.

[@saudalsubaie7188]

Thank you. I believe It is a Wish that the price won’t drop like crazy in the coming years! Plus YMAX could disappear after 10 years!

[@archer_uk]

i worry too

[@Jay-xb6nc]

MSTY can drop like a rock so be careful. Sweet dividends but you can lose more money in the long run holding it.

[@JohnDAlmonte]

I’d like to see you FEPI, and NVDY, next. Thanks.

[@RetireonDividends]

ymax video: kzbin.info/www/bejne/fYjWqmyPobGlmK8

[@texmexbbq7085]

Another awesome video thanks ROD

[@asrafilgh609]

Making bank on NVDY and MSTY… will eventually move everything to ymax

[@gatorhomie21]

Great Vid. 28, hoping to retire off these by 45.

[@Wlachancegofordividend.]

I have to learn how to do that excel spreadsheet. It’s awesome.

[@Krizius]

4 months historical data is kinda anecdotal ( YMAX holder here)

[@bradanderson1024]

I like yieldmax etfs, but if you buy ymax the fund of funds expect it to go down when the others go down. And it does.

[@RetireonDividends]

We will see

[@NathanielRyan9]

Personally, it looks to me like QDTE and XDTE are the best bets compared to the other funds out there. They are designed to rise/fall with the Nasdaq 100 and S&P 500, and reinvesting dividends weekly is pretty powerful. In general, index-options-focused funds that focus on rising/falling with the index and being more conservative with the dividend are the funds that would be good to make videos on. YMAX was an interesting, but the manager of Yieldmax and Defiance sometimes seems to not be too concerned with nav decline. Maybe that is changing, but QDTE and XDTE state capital appreciation as those funds’ secondary objective. So I feel Roundhill has designed those funds from the start to mitigate problems they saw with other income funds. SeekingAlpha total return comparisons might be good to add to these videos as well.

[@popo24ize]

Please do the newbie GDXY, and question here, those C.c strategies goes well only on uptrends right^

[@polishpimp4233]

Respectively I don't see these insane returns as sustainable. The historical average for the stock market is about 9-10 percent. I would set projections closer to 15-20 percent long term for these funds and even that is an excellent return regarding a 10 year term. What we are seeing is tremendous inflation and hype being built into these absurd prices on stocks like nvidia

[@jamesmclain1449]

I agree. I own it, but would never assume the returns are sustainable. I’d be happy with maintaining my capital and getting 10-15%.

[@CGAZ66]

So if you got these as individual stocks then would you be ahead or is it better just to get this one YMAX that does the work for you. Considering the expense ratio for each one you got . Maybe just YMAX would be a better option dont you think?. ( New subscriber ) Great information thankx.

[@RetireonDividends]

It would be cheaper if you bought them on your own but more work to try and keep Them evenly allocated

[@jamesmclain1449]

You assume way too much with this. I love the fund, but it’s just not sustainable. How will the fund perform during a recession? How will it perform if we go through a flat market over several years? We’re about to see a correction in the market (probably the fall). It remains to be seen how this will impact all YMAX funds.

[@km6731]

The problem with having a equal weighted fund seems to be that they don't let the winners win and keep adding more to the losers. When bitcoin goes through the crypto winter, cony could lose 90 percent for weeks while the others could be climbing to offset but will get cut if they grow too much. However with this synthetic strategy, allocating an equal amount of money each week may be different results.

[@RetireonDividends]

True

[@ARIN4UK]

YieldMax can rebalance the fund as they wish.

[@archer_uk]

but does nasdq, fepi , ymax can keep when sp500 crash

[@kleong03]

ULTY definitely next

[@LiquidHydroxide]

Does anyone use fidelty to buy these?

[@christophercalloway5531]

I do

[@ARIN4UK]

Yes

[@texmexbbq7085]

Love your content…keep it coming

[@ilkerbetoner]

hi,at what stage this table factors the same divident amount drops same amount on capital in Ex-date. did I miss anything? Cause you normally expect the bull run for the fund to catch up whats given for distribution-just to maintain the Nav at the same steady level every month, correct? is is hidden in that %1,5 yearly capitol loss? , thanks

[@RetireonDividends]

Well that’s why there’s an option to plug in capital gain or loss. The hope is they make what they pay so can stay flat though.

[@ilkerbetoner]

@@RetireonDividends absolutely. Thank you great video. I'm glad you're taking that into consideration because not everybody does on some high yield KZbin channels.

[@leec37]

Love your videos but once again I think you're overestimating the real world. The S&P 500 this year is on Pace to be up 29% for the year and the nav is flat on ymax. This is not a normal Market the S&P 500 averages 10 to 12% a year so I think a normal long-term nav erosion will be about 15% a year down reflecting normal long-term stock market performance. Of course dollar cost averaging down will help and a 35% to 40%, yield will still give you long-term performance. So I think negative 15% on Capital with a 35% yield is a realistic long-term goal for YMax!

[@edmundknee2086]

Looking at YieldMax’s “Our ETFs” page, why do ymax and ymag show a 30-day sec yield so much greater than all the other ETFs?

[@talokat]

Is there a way to get that faboulous spreadsheet?

[@RetireonDividends]

It’s on the discord

[@mindofmikedre]

YMAG > YMAX. The quality of holdings with YMAG is prestine. Sleep easy.

[@ianfleming8444]

How about adding an inflation component. In 10 or 20 years we are going to need a lot more to retire on

[@bobdavis7290]

I'm with you, RoD. I've got 900 YMAX. 1000 FEPI. 2000 AMDY. YMAX is great. I left TSLY because it's a dog, but YMAX is an Averaging Fund: the lows are lifted, the highs are reduced = Win Win. And it owns the underlying without a synthetic = hell yes and it's paying great = love it. Wanna mess with a bitcoing ETF? BITO is killing it, monthly.

[@markschellhammer4663]

Love BITO!

[@bobdavis7290]

@@markschellhammer4663 100%. Why mess with Yieldmax' new YBIT (underlying BITO) when you can just invest in BITO itself? Agreed.

[@raghavV25]

This is My idea too .. thought 1 month before ..👏👍🏻😊

[@adairmartin]

If you average all the Single Stock ETFs in the YMAX fund, they average something close to a 53% distribution. Unfortunately, there is a time period between when those funds pay out their dividends to YMAX and when YMAX pays out it its shareholders. New shareholders can come in and buy YMAX shares during that period. This dilutes the payout. So, the payout will never reach the theoretical 53%. Last month it was about 43%. What I have noticed is as YMAX gets larger, the “dilution effect” of new shareholders buying in during that time period is diminishing, so the YMAX payout % is increasing. If you notice, each month the payout percentage has increased. So, RoD’s estimate of a 35% payout is probably understating the future payout percentage.

[@spellfire25]

I think the calculations are slightly off. Why would you pay your taxes every month. The compounded interest would be higher. And if it was in a Roth IRA then chaching.

[@starss5511]

Great update . Thanks. When in a month to buy? Start of the month?

[@RetireonDividends]

Not sure what you mean, when should you buy?

[@starss5511]

@@RetireonDividends yes on which day of the month after dividend?

[@RetireonDividends]

This fund fluctuates throughout the month so there is no set date each month. All I’d say is it’s good to buy under your cost basis

[@garethellis2889]

The problem is, with money supply eating the buying power of the USD at least 10% a year. How much does $1m buy in 10-20 years from now?

[@newhumandynamics7097]

A venti coffee at Starbucks.

[@jgerman5544]

If you don't work for them, why are they the only company you cover?

[@RetireonDividends]

I did the same for Roundhill, who else do you want me to cover?

[@aldoaldo2274]

Thanks for video ❤

[@ed6685]

Hey @retire on Dividends, I tried following the Discord link in your Bio to check out the channel and the Excel sheet but it's saying it's an invalid link, is there another one I could try?

[@RetireonDividends]

discord.gg/RuWfsacJ

[@ed6685]

@@RetireonDividends Awesome thank you :)

[@Hogster202]

Do IWMY

[@philbui]

Did XOMO get an influx of capital on high volume today, 5/31st?

[@matthewroyer1077]

Great cover on YMAX --

[@jamesdrake200]

NVDY Next please sir.

[@jamesdee4256]

Nav reduction means more shares at reinvesting

[@RafaelFernandez-on4gn]

how about CONY

[@Hogster202]

Yeah, I built my spreadsheet last week, the snowball effect is REAL. IWMY,CONY,ULTY,YBTC/ZIVB covers every week of the month for me

[@jameskilcoyne1955]

ULTY and CONY

[@JoeHarris-pg2hm]

Thanks!

[@RetireonDividends]

Thanks Joe!

[@jamesdee4256]

How is the fee paid?

[@Dougsellshouston]

Waiting for the estimation videos 😂

[@michaelkonieczny863]

if the capital gains are not there, and the underlying decreases in value, can you off set that with more shares and increase the dividend yield?

[@vikbala9148]

Isn't it risky to pump $50000 into yieldmax funds??

[@bloodCount8895]

True. But at least YMAX is an all in one fund. Spreads out the risk and diversification

[@RetireonDividends]

Yes of course

[@alliallison4935]

I’ve been watching a while now and have Ymax Cony NVDY but Etrade tells me I cannot drip so how are you reinvesting? Just buy more at pay out?

[@RetireonDividends]

Buying more when I see discounts

[@mikep4869]

It takes two parties to make a trade. Returns on these ETF's will plateau when maximum in-flows are reached. I hold 1200 shares of YMAX and plan to double that this year. It makes up 4% of my equity portfolio.

[@iceman498747]

Hey RoD is the spread sheet available to download here?

[@RetireonDividends]

In the discord

[@iceman498747]

@@RetireonDividends thank you

[@tonymiles7776]

Can you figure out ULTY. I reinvest all dividends. I have 2275 shares since it has come out.

[@tonymiles7776]

Looking to retire early in the next 5 years.

[@andrewwalker9216]

Do you think you could pull all the funds monthly after 10 years?

[@fightchannel4127]

just got 100 shares

[@cliffdariff74]

Those compounded numbers (divs) just does not seem possible.. how can that be?

[@user-yv5op4in8x]

Is there a video on how to make a spred-sheet like this?

[@RetireonDividends]

Ask Happy Camper with Dividends

[@MJIKS22]

Total return basis, YMAX is lagging SP500 by about 1% since its inception.

[@adairmartin]

Really? How did you determine that? I just looked at the Total Return charts on Seeking Alpha, the YTD chart. YTD, it shows SPY at 11.3% Total Return and YMAG at 13.48%. And that’s even giving SPY a one month head start! Somehow, I think your math is wrong.

[@MJIKS22]

@@adairmartin YMAX and YMAG are not the same thing. Also YTD is skewed as the Yieldmax funds didn’t exist on Jan 1

[@adairmartin]

@@MJIKS22 You are correct. I accidentally typed in YMAG when I meant to enter YMAX into Seeking Alpha. That’s ok, though. YMAX has an even greater YTD return of 13.85%. It started on 1/16/2024. So, SPY had a 15 day head start on trying to produce returns. So, YMAG is actually disadvantaged in this comparison.