109 - 22 Weekly Dividend ETFs Ranked—Which Ones Actually Pay Off

22 weekly dividend ETFs are now on the market—but not all are created equal. In this deep-dive, we not only compare performance across YieldMax, Roundhill, and Defiance—but we also show you how to use these tools for real financial edge.

✅ Breakdown by index: Russell, NASDAQ, S&P
✅ Full metrics: price return, dividends, total return (1m & 3m)
✅ Strategy spotlight: How we negate YieldMax NAV erosion risks
✅ Income-first: We recoup our principal, then keep the cashflow or reinvest in quality stocks
✅ Our top 9 picks for high income + resilience: YMAX, YBTC, PLTW, TSW, NVW, LFGY, COIW, GPTY, CHPY

Stop guessing which ETFs are worth it—start using them strategically.

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Transcript

Welcome to roaming returns a podcast about generating a passive income with dividend stocks so you can secure your finances and liberate your life. 

Weekly dividend ETFs are exploding. 22 now exist, up from just 11 that last time we talked weekly payouts. 

But here’s the real question: Do they actually work? In this episode, we dig into the performance of every single one  including the Russell, NASDAQ, and S&P indices and the single stock covered call ETFs from YieldMax and Roundhill. 

And most importantly, we show you what numbers matter, and how to avoid losing money. With the right strategy, you can turn risky ETFs into income machines even with the NAV erosion. You can’t buy these blind, you have to adapt your game.

Like we said the last podcast, today's podcast is about all the weeklies. When I did this at the end of May, there was 22, but I think they've since added a couple more, like these things are popping up. You mean in existence total across the market? So there were only, I think when we did the last update for the weekly, how to get paid weekly, there were only 12? Yeah, so it's grown a lot and they just keep popping up.
So these are definitely the wave of the future. And so what is the intention of the podcast today? Just to give them education on the weekly payers and to compare them to the markets that they're following, whether it be the Russell, the NASDAQ, or the S&P. And then if they're not following, they're not like an index fund type thing, if they follow individual stocks to see how they compare to actual holding individual stocks.
So you can see that it's not as bad as people say, because everybody says that like, oh, avoid them, they're too risky, blah, blah, blah, blah. Well, they're not really that bad. And we're going to show you that they're really not that bad.
Okay. How are we structuring this? The first three we're going to talk about, they all follow the Russell 2000 index. Okay.
And there's three of them. There's the Roundhill Russell zero-day covered call, there's the Yieldmax Russell zero-day covered call, and there's the Defiance Russell 2000. So there's three weekly payers in this index.
Let's pause for a quick second. Most people know about the S&P 500. What exactly is the Russell? It's a small cap.
It's like, they have like a cap below like, I don't know, 500 million or something like that. That's what they're like, small cap, just tiny companies, not the huge behemoths. Behemoths.
All right. Okay. So when I pulled this, like I said, this is all as of May 30.
So it's a bit dated, 10 days or so. But at the time, the Russell had returned 5.65% over a one month, and a negative 3.98 over the three months. The first, so in the three of these, I think they all did better than the index fund.
The Russell, the Roundhill Russell zero-day covered call had a one month of 8.99, which is way higher than the 5.65. And it had for the three months, it had the negative 2.59, which is quite a bit lower than the negative 3.98. And then the Yieldmax zero-day covered call had an 8.24 total return as compared to the 5.65 and had 0.92. So this one did really well actually compared to like the Russell index fund, if you just invested in the Russell. And the worst one out of them was the Defiance Russell 2000. That's because I think it's because it's not a zero-day covered call.
If you're not familiar with what a zero-day covered call is, that means that when the market's open, the ETFs will actually write calls on whatever they're doing. Like in this particular case, they're writing calls on the Russell 2000 and they expire before the close on the same day. The reason that you do that is because you're avoiding any aftermarket and pre-market volatility.
Which can be a lot. Which can be a lot. So that's why they started doing these.
Like I was reading somewhere that like 20%, like 10 or 15 years ago, only 20% of the options were zero-day and now it's like 60%. So it's like people are catching on. But I want you to look at like, price appreciation is okay-ish.
Of which one? Of the last one. I don't have like, I just know that it was 24.08 when I got this price. But like if you look at the one month return, it was only 49 cents.
And the three months return was negative $3.81. So that says negative 13.66, but you see the total return is negative 1.18. That means they collected a bunch of dividends in the last three months to offset the losses. So normally when you do index funds, you're not getting any dividends. Or if you're getting dividends, it's peanuts.
So these are actually really good ways to generate income. If you look at that, you see the first one had $3.06 for the last three months. The second one had $3.67 in dividends for the last three months.
And the third one had $3.48 in dividends. So you're collecting all that per share. And this just shows that if you, like so, say you dumped money into each of these and you just collect- Pick like $10,000.
If you would invest in $10,000 in the Russell index, I guess? In the index, you would have been at a negative 3.98. So that would have been $398. So you would have been at like a 96.02. 96? 3% down? Isn't that what 3%- Oh yeah, I guess you're right. Whereas if you picked any of these, you actually would have been higher.
Your principal would have been higher if you just collected the dividends. All these, for the most part, you don't want to reinvest. You kind of want to stick to the yield max strategy where you just collect the dividends so you pay off your initial investment because you don't know what they're going to do from week to week.
So I just did the math. And if you would have put that $10,000 in RDTE at the $33.82 a share, you would have got 295 shares. And then during that three-month period, you would have collected the $3.06 per share, which would have been $902.
So your $10,000, I don't know what the price difference- Well, let's see. So if you collected $902, you would have lost 404. Percent? Well, no.
404 from your $10,000. You lost $4.04. So you would have been up $500 just collecting the cash and letting your capital depreciate, but collecting the cash. And that's kind of how I play these.
I may be doing it wrong, but- Whereas the month, you would have been down almost the exact same. There's three months for the Russell Index in general. You'd be down the 3.98% versus the 4.04, but you'd actually have that extra cash payout.
Because if you reinvested while you were going down, sure, you would have had more shares. So your $902 would have been a little bit more, but you would have actually lost more money. That's kind of why I don't reinvest on these.
Yeah. So we probably should have led with that caveat that because these are high yielders, the better strategy is to make sure you get your initial investment back before you actually reinvest anything. So keep your drip off.
If you keep your drip off and you collect the cash on all three of these ones we just mentioned, you actually would have outperformed the Russell 2000 Index Fund. And that's the whole point of this. The next category is the NASDAQ.
And there's also three in the NASDAQ category. If you're not familiar, NASDAQ is where all the tech stocks hang out. The NASDAQ had a 10.61 month return, and it had a 3.63 month return.
And these, you actually wouldn't have been as well as just holding the NASDAQ Index Fund because you see that you actually, in one month, you would have been similar with the 10.72, 10.41, and 9.19. But the three month return, you got killed. Like you got crushed. You mean by comparison? Yes, by comparison.
But that's just on principle, right? Or is this total? It's total return. Oh, okay. So this is even with the dividends re-included? And that's because you'll see it looks like they're paying smaller dividends than the top one, except for that QDTY.
So $3.62. The QDTE is the round hill, the QDTY is the yield max, and the QQQY is the defiance. And it seems like these don't pay as much in dividends as the Russell ones do. So I probably wouldn't even get into these.
And I know for a while back, we were in QYLD, which is a monthly payer that's kind of like these. It's a cover called monthly payer. And I noticed the same problem where the dividends weren't as much as the S&P or the Russell.
So I actually got out of that, and I went into JEPQ because of that. JEPQ is what? The S&P? No, it's like it has a lot of NASDAQ stocks in it. Okay.
And JEPI has a lot of NASDAQ stocks in it as well. So I just kind of went that route as opposed to doing these. These ones I wouldn't recommend because like I said, over a longer period, which is three months, we can do a six month and 12 month, but a lot of these are new, but we can do a six month dive into them in a couple of weeks.
And just to see if the six month number is as low as the three month number, because you're literally getting cash, but even with the cash, you're still like four or 5% behind just having the index fund. So you have a higher risk of these of tweaking the hell out and selling with a loss because your principal is going down significantly. Yes.
Is that what I'm hearing? Yeah. Okay. So that's those three.
I don't recommend those, so we'll just kind of gloss over that. Glossing over. Next one is the S&P.
Is there three in the S&P or two? Okay. There's three in the S&P as well. There's the yield max S&P, there's the defiance S&P 500, and there is the round tail zero day cover calls.
In this one, the S&P itself returned 6.96 in the last month and negative 0.69 in three month. And in this one, again, it looks like the one month figure is actually pretty good, but the three months you're actually getting killed, but not as much as the NASDAQ. So I would probably think about these because that middle one there actually looks pretty good.
You're not getting as much at the top, but you're not losing as much in the bottom. And it looks like they actually, they all three paid higher dividends than the- Oh, XDTE. We've been in that, haven't we? No, I was in it for a hot minute, but I didn't like it.
Okay. I recognize that ticker. Oh, we did talk about it.
That's what it was. Okay. If you look at without the dividends here, you see that the yield max one lost the 9.5%, the defiance one lost 10.5%, and the round hill one lost almost 10%.
Do you see the huge difference without the dividends? That's just the power of dividends. I just wanted to, like, so you made 6%, like you made 6.5% just with the dividends reinvested. You made, damn, that's almost 9% with the dividends reinvested and you made 6% with the dividends reinvested.
But to me, I still don't like these either. I don't have any of these. Months ago, we were in XDTE and I tried it out for a little while.
I was like, oh, let's see. You do make a lot of cash, but you lose a lot more than if you just did like a, found a large cap closing the fund, like I don't know, USA, for example, where it has a lot of large caps in it. But these didn't hold very well at all.
I can scroll back up to the NASDAQ one once again. I want to see what those numbers are. I didn't even look at the numbers in NASDAQ.
Negative 8.3, negative 9.7, negative 9.9. Without the dividends, it could have got murdered because it was like 3.5% return and then you got just slaughtered. Wow. Okay, I didn't look at that part.
So yeah, I wouldn't do the NASDAQ ones and I wouldn't do the S&P ones. That's what I've concluded by just Well, the rest of the ones are pretty big too. Negative 10.67. You're not because they're getting, they're paying higher dividends.
So it's, and this one, they don't have a three month that just got, was it? Oh my God. That's crazy that you've lost a 14% and you only lost 1% because the dividend was so huge. Hold on.
We have a neighbor that just feels like driving their fucking muscle car back and forth in the parking lot. I think they're moving, which is nice. Superb.
So yeah, so I would, I would totally look into the rest of the three Russell ones, but I would avoid the three NASDAQ ones and I would avoid the three S&P ones for now. Like we'll revisit this in a few months time and see. Yeah, we should definitely revisit this because I'm really curious to see if these actually get any better.
Okay. So that is But you do have to keep in mind that the market's got trounced in the last quarter. It doesn't like, but still they could pay more dividends because like in theory, if you have options and there's like a lot of volatility in the market, it should be higher premiums, but You should.
Yeah. So that is nine of the 22 that they basically each, um, three each in the indexes. So now we're going to go into the single stock ones, which are, I think where there's like lots of money to be made.
Yeah. So the, so you're saying that the ones that mimic the actual indexes are not as good as I like the Russell ones right now. This was three that we brought up at the top.
I like, But you're saying they're not as good as these individual ones. Not as good. Like there's a lot of potential on these ones here.
Yeah. So like that's Okay. So that's what we're talking about here.
The first one is AAPW, which we actually have in our van life portfolio. It's a Roundhill Apple. Um, add Apple and one month was negative 4.38. And in three months, it was negative 15.51. A one month return when AAPW is negative 5.54 and it was negative 1886 with the dividends reinvested.
So that's not great, but it's not as bad as what we saw above. But I got into this one because I think Apple's going to go down a little bit more and then it's going to start turning around. So I think, um, this one should go up.
I think it'll probably, I don't know, $28 around there would be a good buying price for this one, but I would hold off and wait to see what's going on with Apple. Cause Apple has a lot of turmoil right now, but this one has like a lot of potential cause you're getting a pretty good dividend for, um, what is that? 94 for one month and $3 for three months to basically have a company hold Apple for you options on it. It's not the best, it's not the worst one to keep an eye on, but I actually would put that one on my watch list and wait and see.
Next one is the Yieldmax Semiconductors, CHPY. Um, I don't have like, um, a collection of data. I mean, I could probably do an ETF that does like a semiconductors, but like, that's not the same as apples to apples.
That's kind of like apples and oranges. So yeah, these are not like regular stocks, but this is a way to, again, improve your cashflow, which is the whole point of our investing approach. This one does pretty well.
It has a one month return of 10.42 and it has a three month return of 13.36. So that means a bulk of your 1336 just came in the last month, which is, I'm assuming NVIDIA, however you say it, I say NVIDIA, NVIDIA has a lot to do with this, but you, um, you're getting, do you see, you got a huge dividend in the last month of 178 and then in three months, you only got 249. So that, but that again, that's only two months of data. So that's two months of 178.
So that's like 70 cents the first one. So this one again would be a wait and see, to see if it continues giving it like, cause it's dropping $2 dividends. That's insane.
Yeah. That would be one that more than likely Tim will get into soon. If that, that holds.
Yeah. Yeah. I know you.
Next one is the Roundhill Coinbase. It's a COIW. Now we have a Cony, a CONY experiment going on, which is the yield max Coinbase, but it's a monthly pair.
Whereas the Roundhill is a weekly pair. And you see the one month for the Coinbase was 2,955 and three months was 2,978. And this one, you had a one month of 3,388, which was fairly decent amount higher than the one month.
And you have a three month at 27.40, which is fairly, I mean, I will look a little bit below the three month, but this one's looks to be dropping some just bombs. When it comes to dividend, you see that it paid one 187 for one month and it had a three month total of $5 and 12 cents. Did you get into this one? No.
Those numbers are insane. Yes. This one has a lot of potential because they're like, see how the numbers are somewhat around what the Coinbase is.
I like this one. I like this one, but because we have Cony. We have so much Cony.
And we have Cony in the van life and we have Cony in the experiment. We have Cony in like another thing. So like, until we get all that squared away, I'm not going to do another Cony because that would be too much.
You mean something based on Coinbase? Yeah. Diversification in Coinbase. But I would totally get into this one if we didn't have Cony.
Like I would have been in it already had we not had Cony. I like this one. GPTY is a YieldMax AI and technology.
It's just a fancy way of saying anything to do with GPTs, chat GPTs. I love chat GPT. I'm not one of those people that thinks it's the devil.
Looks like this one paid a one month dividend of 113 and three months is 327, which is about the same. So it seems pretty consistent. If you took 113 times three, you'd have 339.
So it looks like you're getting like $1.10 each month in this one. That's a pretty good like I like the consistent nature of that where you're getting like the same amount. And I like the one month of returns for 1729 and the three months was 11.
So you think three months we had like a lot of tech sell off. So like this one's actually one to keep an eye on. You should have your peepers peeled.
Peepers peeled for yeah. I didn't realize GPTY, YieldMax. Whoa.
It's up to $44. They usually start at the 20, right? No, these all start at I think 50. Ah, okay.
I think 50, but they might not. I'd be very interested in this one just from the AI and the tech component. Next one we're actually in our van life portfolio.
It's the LFGY, which is YieldMax crypto and technology companies. Basically, this one writes covered calls on technology companies that deal with cryptocurrency. This one has been doing pretty good.
They dropped 219 in one month and three month was 570. So you dig three into that would be 120, 130, 130 a month. So you're getting a pretty, really good.
I like it. I like this one actually a lot. I don't think- That's why we got in it, right? I don't think I'll ever sell this one.
Yeah. But you see the one month is 16.95 and the three months was 1946. Just like you see how much the dividends actually account for.
You see that one month's return was 1098. So you're getting like 6% there. But then you look at the three month, you're getting like 15% and the difference because of the dividends paid.
Holy crap. So I really like this one. And because we both feel that- Crypto.
Crypto and the blockchain and the technology and the companies invest in that are going to be the way to go. Now, my only caveat would be if they start and say they start deviating away from the, if you can go into their holdings, you can see what they're holding. If they start deviating away from companies that are actually productive and start like stocking up on GameStock and Super or whatever it is, Supermicro or whatever, where it's just companies that have a lot of Bitcoin, then you're getting kind of like an overexposure to Bitcoin at that point.
So if you have Bitcoin and other stuff. It's not really about the blockchain and the cryptocurrency at that point. So you do have to kind of like monitor this one every few months to see what their holdings are to make sure they're not too much.
Like if any of these companies picked up a shit ton of GameStop, I would like, that's a huge red flag. So question, the GPTY and the LFGY, they're Yieldmax, but do they actually hold shares of the underlying stocks? That is a major shift in Yieldmax's investment strategy that they were not doing before. So that's, they're starting to act more.
If you recall, most of the monthly payers previously were just synthetic calls. They literally would have treasuries and they would have options for bull and options for a bear, but they actually held no stock. It was literally just options.
That's what a synthetic call is, where you have, say you have Apple $2 from now and you have Apple $3 below where it is from now. And so you basically are technically holding Apple because you cover both ends of the spectrum, but they actually don't hold any Apple. And I don't particularly like that.
Yeah. And when they do that strategy, they actually are more susceptible to that NAV decline that happens, which is why you see those, the actual share value go down so much. It sounds like Roundhill solved that with what their strategy is of holding shares of the underlying stocks.
So I think Yieldmax is starting to pivot to that with some of their newer ones, which is really nice. Now, Roundhill doesn't hold 100% like in NVIDIA, say, but they'll hold 30% or 40% of NVIDIA, and then they'll write options and hold trades. But still they have some of it, which allows that price to actually go up as the stocks go up a lot more than the Yieldmax with the synthetic call strategy, which is really nice.
So I really like LFGY and I'd be really interested in GPTY. Like these four here are all awesome. I know.
I'm kind of hoping the Yieldmax experiment or the Coney experiment comes to fruition so we can actually get into GPTY.

Yeah, that'd be nice. Next one is the Roundhill NVIDIA NVW, and they just came out with another one. NVW.
They came out with another one. I think it's like NVI or NVII or NII. I don't know what it is, but they just literally came out with another one that, but this one has done like ridiculous.
I think it's been done pretty well. NVIDIA's one month is 24.94 and their three month is 14.81. This one actually has a one month of 28.49, so you're getting a significant, that's pretty significant difference. In one month, and it has a three month of 12.87, so you're not quite getting the full appreciation that NVIDIA got, but you're getting a lot of dividends.
That's 166 for the last month, and then for a three month total of 442, that's what, 140, that's like 143, 145, something like that, per month. Again, that's a huge number that they're dropping each month in dividends. Granted, you're getting them every week, so it's not going to be, you're not going to like, it's not like Yeah, you're not going to get $2 a week.
It's $2 a month. We got like a 137 in Coney. What they're doing is they're just basically piling dividends on top of each other, which I actually really like.
But I like that one. I like, so I like NPW a lot. I like LFGY a lot.
I like GPTY a lot. I like, and I love this. We're actually into PLTW.
Yes, we have LFGY and PLTW. Did you buy AAPW too? Yeah, I got AAPW. So we sold the Microsoft Yield Max to get into PLTW and AAPW? Yeah.
And the dividends of just one of those was more than MSFOs in the first month? Like we collected in the first month and a half, we collected more in dividends from the two than we did for the entire year in MSFO. Oh shit, that's even worse. FYI.
Just pointing that out. The Planeteer one is doing ridiculous, ridiculously well. Planeteer itself is doing okay.
The one month 9.48, which is a lot, but three months was 54%, which is crazy. But this one, you look at, it beat them both times. 11.84 for one month with total return and almost 60% for three months.
This one is rocking its face off. That's why Tip got into it. Well, I'm a huge fan of Planeteer.
I don't, like you don't have to have like the political ideology where like when there's a company that is so involved with the government where they're spying on people if that's the case or they're like supplying weapons to the government. Again, this kind of like kind of takes us back to like the tobacco stocks. No matter what your personal feelings are about what Planeteer is doing, it doesn't matter.
Is this one that... Yeah, they're pretty entrenched in the... Really? I didn't realize that one had so much zealotry behind it. Well, not zealotry, but they're pretty entrenched in the government. Like most of their contracts are from like the Department of Defense and... Yeah, but I'm saying like the polarity of people hating it or loving it.
Well, they've been like collecting data and they're doing the same shit that like Meta does and Google does. So, like I'm pretty sure people are worried that they're paranoid that they're going to start selling their data. But if you give me... They do that anyway as it is.
If I can make, what is that, 60% times 3, so take that times... If I can make 240% on a stock, I'm cool. I mean, you can do like... I don't care what you do. Again, my personal... Yeah, if you're going to take my data and sell it, you're going to take my data and sell it anyway.
My personal opinions don't matter when it comes to investing. That's like all that shit we were talking about like last year about like your preferences and your psychological traits and all that stuff. Like you have to get away from that because this one is kind of like that.
I know a lot of people have made like a lot of money on Palantir itself. We have. I have it in my retirement.
I have it in her mother's retirement. And like we've made like a boatload of money on this one. Yeah.
And honestly, if you're worried about the freaking people taking your data, if you have an Apple phone or if you have Microsoft in any way, shape or form, or even Google at this point or Facebook. But that's different than investing in companies that do it. Like we all... Take the money from them and put it somewhere else.
I understand. You're preaching to the choir. I'm just saying like you're not seeing like the disconnect is like that it's happening is not the problem people have.
It's that the companies are doing it. So take the money and then build your own anti-cyber company. Their way of showing them is I won't give you any money.
I won't invest in you, even though every device they have has the stuff on it. So it's kind of defeats the purpose of not investing in them. But I feel like that should be the other way around.
You should invest in it and just not buy their products. Yeah. So that's why I really like that one.
That one's probably my favorite so far. PLTW. Hell yeah.
All right. What else we got? We have TSW, which is the Roundhill Tesla. And again, this one's done pretty damn well as well.
Tesla has a one month return of 26.96 and a three month of 29.84. Again, remember this was at the end of May before there was the bromance spat between Trump and Musk. Totally a freaking social psycho. The one month return on this one was 31.43, which is a significant... That's like a lot.
That's a pretty... Anytime you're talking 5%, that's a huge difference. Three months, you're just a little bit below the appreciation. But for 20, I'd rather have income coming in at 28% than have Tesla stock at 29%.
Holy shit. These numbers are insane too. So you see the one month dividend of 2.12 and then the three month dividend of 5.27, which I mean, again, these are dropping off huge, huge dividend.
Crap. I wish we would have known about these before we committed to the CONY experiment. Well, they weren't around.
I know. That's how rapid things go. So Tesla's really like... The TSW seems to be doing pretty well, but I would kind of hold off on that because there is a lot of volatility right now with Tesla.
So I would wait till the dust settles with whatever the hell is going on with all that. But this is a very viable option to make a lot of money in cash while holding. But you see, there actually is price appreciation.
That's why I was just looking at the Tesla one. You see, in one month, they made $8.62. So subtract this from that, you would see where the price would have been a month ago. And three month, they made 5.37. So you're still getting... Because they do... That's why I wanted to illustrate that.
Quoting the actual stock. Because they actually have some of the underlying stock, there is room for appreciation in these. Which the Yieldmax, when they're doing the synthetic, when they do that synthetic call option, they don't get that.
They actually go down regardless of the stock. Sorry, that was just a sidebar. But it's a valid sidebar.
So the next one is one we were in for like ever. I mean, they did what it's supposed to. We made a profit on it, but I don't really like it anymore.
It's the ULTY. It's the Yieldmax options. It used to be a monthly payer.
They cut it to weekly payer. You're getting like nine cents a week or whatever. So this one's different because they, instead of having a specific underlying stock, they have like any underlying stock? They have an expert that goes through and just picks out like the best options deals for the week or the month.
Clearly it's not working. Because the yields were trash. So this one has a one-month return of 13.44 and a three-month return of 4.44. Which if you look at the 4.44, that's crazy because the three-month return was negative 16%.
So the dividends are making up for it, I guess. I don't know. Yeah, but look at the other options we have.
Like I'd rather be in the other ones. This one's kind of weak sauce. The next one is one that I would think if you have a bunch of money sitting in your bank account, you could actually get into and feel pretty good.
From what perspective? It's a way to make a- High-yield savings type deal? No, it's not quite worthy. But if you look at it, you made almost 1% in three months. You take that times four, you're getting like 4%.
As opposed to what you get in your bank, which is 0.1. Okay. And we're talking about weak, WEEK. It's Roundhill weekly T-bill that literally just hold treasuries from the government.
And there's like very little movement in the price. The price has been stuck around 100 since I started watching this one like months ago. And you're collecting a little bit of dividend for having shares.
What's the overall yield on this? Like 2% or something. I don't know. I don't really- I don't see what the point of having this even is.
Well, like I said, if you take that, what's 2.5 times 12? Four would be one. So you're making 3% at that one month rate. 2.5 times 12.
0.25 times 12 months. Oh, you're not making shit. You're making more than you do if you hold it in your bank account.
Screw that. You got worthy. You got BulletSshares.
I know, but I'm just saying if people want to, they don't feel comfortable with bullet shares. 3%. If they don't feel comfortable with bullet shares, this is a way, this is an uber, uber, uber conservative weekly pair that you can make 3% to 4% on your money.
I'd rather go with bullet shares. And honestly, I think a high yield savings account makes more. Okay.
Just saying. But yeah, the bank account thing is valid. Savings accounts? Trash.
I'm just like, that is actually a weekly pair. So it's on the list. Don't say I agree with it or disagree with it.
I'm just saying like- Trash. I could see the rationale for people that invest in it. Okay.
You'd be better off investing in freaking one of the dividend growers with a 3% yield. Pepsi? Pepsi has four of almost five. Yeah.
UPS? Next one is YBTC, which is Roundhill Bitcoin. They basically just, I think they have iBit. They don't actually hold Bitcoin, but they have shares of iBit, which if you're not familiar, like we discussed this before, iBit is a company that sells shares, like they invest in Bitcoin.
So like this is a roundabout way to actually have exposure to Bitcoin. And we own this one, right? Yeah. I've been in this one a while.
This one's done really well. The price of Bitcoin for one month was $14.74, and the price of Bitcoin for three months was $28.24. And this one just beat them significantly on both sides. $17.36 for one month and $33.05 for three months.
And you're collecting a pretty good dividend. You're getting like $1.50 a month in cash while you get that little bit of price appreciation. Well, I guess it's more than a little bit because you get $13.80 in one month and you got $21.22. I was going to say, what are you smoking? That's a lot of appreciation for a lot of dividend.
But again, because they actually are doing the iBit, which that's how they're doing the roundabout exposure to Bitcoin, and Bitcoin's going to put like, I don't care what you think of cryptocurrency, Bitcoin's going to pop off. If you don't see that coming, then I'm sorry. That's just what the... And Bitcoin is going to be like millionaire makers in the next like five to 10 years.
And this is a roundabout way to collect cash without actually having to have a wallet where you have to store your Bitcoin. Yeah, which is a huge pain. So I see the appeal with this.
And now we have two more left. The one I've been in forever, which is YMAX. It's the YMAX basically, index fund of all their different holdings.
Yep. I really, really, really like this one. That has a one month return of $9.93 and a three month return of $7.31. So that like most, like almost all that comes from dividends.
Well, I mean, if you look at it, it has a negative 5.8% for three months. You have a 7% return for three months. So you're getting like a 12% dividend.
And it doesn't pay a lot in dividends. They see a $0.72 for one month and a $1.92 for three months. But it does what it's... I mean, what I expect it to do, which is basically hover between like $12.50 and like $18, the price of YMAX.
And then you just collect the dividends. And then you can like, once you start to see the pattern, you can turn the drip on whenever it's down like $12, $13. And you turn the drip off when it gets above $15 and collect cash.
So this one's very... So far, it's been very reliable and predictable. And it's been made easier to drip when I need to drip to collect shares and then collect cash when I need to collect cash to pay off my initial investment. And if you listened to our last episode, where we talked about our high yield dividend portfolio and the quarterly update for our dividends, YMAX was our second highest income earner in our entire portfolio.
And I don't have a lot in it. I have like 4,000 in it, I think. It's a lot.
And the very last one is YMAG. And I think they've came out with other ones since I think Roundhill has like YMAGs and YMAGY or something like that. MAGY? They have a YMAGY? Yeah.
Oh my God, that's super retarded. And the one it is, is basically it's a magnum. If you're not familiar with the Magnum, it's the seven biggest stocks.
Google, Meta, Meta. Google, Meta, Apple, Tesla. Microsoft.
Microsoft, blah, blah, blah, blah, blah. We were in this for a while in her mom's retirement and I just didn't, I don't really care for it. It doesn't really throw off huge dividends.
I don't really care for the small dividends. Yeah. I mean, one month, that seems all right, 67 cents.
But then you have three months, $1.50, which is like 50 cents a share, which isn't a lot. And you have a one month return of 11% and a three month return of almost 5%. So like, it's okay-ish.
Like, it's okay if you really want to get exposure to the Magnum and seven without investing like- But these are synthetic though, right? Thousands of, yeah, I would be like- This is synthetic. I, again, we didn't have great performance of actually holding this. So these are the numbers, but- Like I said, I think Roundhill literally just came out with their own version of this, where they actually hold- Hold the underlying stock.
A few stocks of the underlying seven companies. So look into that one. I'd take that over YMAG.
But that's the 22. And like, if you scroll, I like YMAX, YBTC, TSW, once Tesla calms down, PLTW right now, NVW right now, LFGY right now, and CHAT GPT right now, COIW Coinbase right now, and CHPY right now. You have like a chunk there where you can be like- Invest a bunch of money and you can be getting weekly paychecks with pretty decent returns for the most part.
And if you've been contemplating starting a business, these things churn out profits in the first week without the overhead, without the maintenance, without the customer service, without any of that crap. And they're passive, which means they don't get taxed at the same rates where you have to pay self-employment tax if you're not incorporated your entity properly for like an S-corp for the tax incentive. That's that.
That's the 22. Like I said, we'll probably revisit this in three months time. I'll probably be able to make a note to do this.
Yeah, you should do an update because I'm really interested to see here. That's this. Next week, I plan on just doing like a where we are in the market, like all the data that's coming in like with unemployment, inflation, things of that nature.
So we can get like a snapshot of where the economy has started in January and where it's kind of is now. So we can get a better idea of like how we should, I guess, amend our portfolios to- based on the macro economics and whatnot. But it's not going to be like a total, a complete macro report.
It's just going to be like governmental data coming out because like there's a tale of two things coming out where like they're painting a rosy picture of, well, like today's inflation reports, a prime example of today's inflation came out. It was only 0.1% increase, which would be year over year of 2.4, which sounds really good till you dig into it and you see that they're excluding energy, which is down so much that it's pulling everything down and food, which is kind of there. But housing's up, like electricity's up, natural gas is up.
Only thing that's down, like really down is like oil. And so oil is pulling, like oil and the energy's pulling everything down. If you actually incorporate that into the data, it's like, I think the real realistic inflation point is like we're probably around 3%.
And like if you use the Fed's own words, like every time oil increases $10 per barrel, inflation goes up 0.2%. And oil's been trading at like $60 a barrel forever. So like once that gets back up to $80, $90 range, where it's going to be once OPEC stops doing what they're doing, that's going to tack on like 0.6% of inflation. So we're going to be up in the three, the three and a half range, which I think is more accurate than the 2.4 that they're trying to paint the picture.
Just stuff like that's what we're going to talk about because there's a lot of confusing information out there that if you just took everything at face value would be invested incorrectly. And they like to take the information and like what he just said, they like to hide stuff and do other things, but they'll like media spin how they want you to interpret things to get you to invest or not invest the way that they want to profit off you. So if you actually dig into the data, which is what Tim does, like it paints a completely different picture.
And that's one of the ways I think we get in under value with a lot of these stocks that then pop off and we can churn money over. Well, one of the biggest things they do is they amend everything each month to be what the real numbers are. So like the numbers look like, say, for example, like last week, the jobs report for May came out.
But what also came out with the job report in May was the actual final numbers of April. So they amended what April is supposed to be. And April wasn't anywhere around where they said it was in May when they had the April report come out.
And they've been doing that. So they amend it as they go along to the actual numbers. So wait, if you don't take a snapshot of it when it comes out, they change it and you can't actually get what you saw before? No, like the jobs were like, for example, the jobs came out last week that 200,000 jobs were added.
But then at the same time, they said, well, our actual number for April was like 60,000 jobs whenever they said like 120,000 jobs were added in April and May when the report came out. They do like it's like a month behind where you get the actual concrete data. So it's just delayed.
The first one is kind of like their estimate or like where they think it's at or whatever. It's not projected because like sometimes it's accurate. It's kind of like their estimate.
But what I've been seeing as I go back to the data is like they've been like lowering the jobs, for example, or they've been raising the inflation every time they do like an amended thing to it. So if you look a month behind, you can get a better picture than if you look at the reports that come out weekly. Interesting.
That's really good information to have because it definitely helps you invest. It helps you invest. Yeah, way, way more accurately.
Interesting. So that'll be a really interesting episode. So next week, it's going to be kind of weird because I'm leaving like in 10 minutes to start driving like forever.
So that's why we had all that noise in the background. Sorry, you guys. I have a microphone and a cell phone, so we'll see what I can do.
Yeah, I'm going to try to patch him in and we'll see what happens. If it doesn't work out, I'll probably be doing what I can do to fill stuff in. But I'm hoping it should work out even if Tim's audio is a little, I might be able to fix it on the back end a little bit.
But Tim usually has his brain spikes when he's out there in the middle of nowhere because he has clarity of mind, clarity of energy, clarity of all sorts of stuff. Clean air. Oh, it's just away from like you just heard what goes on.
This freaking pollution, pollution of noise, everything. So Tim will have a lot of good ideas when he's out there and we're not pre-recording like we did last time when he left. So I think some interesting stuff will be coming in the next few episodes.
Picture and audio might not be as desirable, but we'll work with it until he gets back. And then you'll be gone for like four or five weeks-ish? Yeah. With driving and whatnot? Well, I'm going out for a funeral Saturday, but then the family reunion is like... A month away.
Four weeks away. So what's the point of driving back to drive back? So I'll just hang out there and bike and... Considering it's 32 hour drive, 34 hour drive. So then I'll be back.
I'll probably be back end of July. I'll be back in the building, but I'll be present. You'll be back in time for your birthday to bitch and be like, I want to leave.
But that's that. I'll be in touch, guys. Yeah, we'll get information out to you one way or another.
It'll be fun. So wish Tim a good trip without me. Lots of space.
A whole lot of space. There's not a lot of space. You see the van.
It's not a lot of space. No, I don't mean that. But one of the cool things that's going to be... Tim's going to take footage and I'm going to hope to incorporate that into the episodes that we do.
So you'll get to see where he's at, what he's doing. Middle of nowhere, like the closest town is like an hour away. You have to drive an hour to a grocery store.
And like last year I was out there, I went to the dump with my uncle and it took like almost two hours to just go to the dump to dump your trash. It was crazy. That is crazy.
It slows life down and it makes it... Makes you think. I mean, I like a slower lifestyle, so I'm OK with it. I just... But it like gives you plenty of time.
Like for me, it's perfect because I have... I spend a lot of time in my head anyway. So like when there's not like external forces fucking with my brains... That's what I said. Lots of clarity.
So it'll be good. So we'll have a lot of good topics because Taken, you work his mojo super good. All right, guys.
So we shall see you next week. And Tim will have some footage. Duh.
For sure.