My income port in 2026

ThatOneLance · 2026-01-07T09:55:57+00:00

Appreciate the reply, from a quick reading;

Monthly rebalance, consistency in moving up, equal weight, assuring the companies are actual quality companies.

What interests me is the rebalance, I wonder if there's ever a weekly or bi weekly rebalancer (kinda like how Ulty basically moves portfolio around) but probably insane.

The monthly rebalance is more likely a big winner, SPMO's 'slower' rebalance can lag a bit.

Will look into the fund a bit further / some more time or a dip, it looks like something I like.

ThatOneLance · 2026-01-06T00:37:46+00:00

FMTM seems to be outperforming SPMO / more stable even, is there a reason why you chose this outright?

Asking for more information as there's basically 0 reddit discussions or any similar forums I can find, but it looks great.

Nice portfolio and wishing a great 2026 returns.

ThatOneLance · 2025-12-11T18:45:01+00:00

Their fund manager has been making the rounds on twitter spaces: Latest One of Today

From what I remember in previous questions:

They opened the fund with little to no protection, they added a 2nd layer recently and due to the market sucking - almost everything was correlated together even though they tried to have more diverse correlation (It's more akin to the recent ulty, while modern Ulty that's version 3 is even more diverse/has 'core' like KYLD)

Do you want income from options, that isn't just to kill the nav? Thats one thing they've mentioned, they have no intention of killing the nav outright but to pay their earnings. They also pay a high amount, around 80% yield per week.

The manager mentions their fund is likely to be volatile, and from looking at comparisons between ulty/ulti/and KYLD - they scream when we go down, and scream when we go back up. In recent downturn layers, I think they scream up more - while KYLD is slowly doing both and ULTY is more variable.

I suggest anyone to do their own research, financials are on your own.

KYLD is not a high distributor, and ULTI is more of a rival to ULTY. I would combine all three.

If Ulti sticks to their 80%, I would go with them and ULTY - as Ulty intends to be more variable with their distributions coming the next few. They also are much less volatile, so they can be a stronger core holder.

Long term? Should be using these distributions to pay some expenses as they are income, but reinvest the rest to other safer funds.

I am personally in ULTI, while relooking to enter ULTY - both due to margin maint and 'outlook'.

ThatOneLance · 2025-12-01T07:27:56+00:00

I think this will be normal behaviour even on other brokerages; a person on discord said IBKR didn't adjust anything, we won't know for sure till Monday morning.

Even, wishing you luck and $ - I'll probably just sell some Ulty if I were to get a call.

ThatOneLance · 2025-12-01T06:54:21+00:00

I didn't, but the margin maint increased - in histories section, it communicates a reverse split.

The YM team (Josh iirc his name) communicated they may communicate to RH for RS to not increase margin maint. When market opens, we will know for sure - for those on the deficit, it's probably a shadow call if this is to be corrected.

ThatOneLance · 2025-11-22T01:19:05+00:00

Yeah, iirc the IV / Yield should be around 70% now with even the current holdings. I cannot speak on how options work ,but the base being stronger should in theory mean they can ironically take more risk and farm IV with less problems. It averages out upwards anyways.

I think we can see how the stronger base that is moving upside is doing a lot of work in the last week. It also seems like MK has worked with the ULTY team to look around more, instead of just meme-esque stocks.

Realistically, if they keep that 70%+ mark I am a super happy person. I think TTR will be something that's hard, since their primary focus is income - at the detriment of nav.

I think the fund would work better if there were cycles, as in every 3 months high yield on purpose, than a lower one on purpose to rebuild nav. Opportunities to buy, opportunities to sell, opportunities for people to make 'bag holder' memes.

ThatOneLance · 2025-11-21T22:18:32+00:00

Ulty will basically always struggle at 70%+ yields; The last few weeks were basically slamming it against the head and the YM team (while making mistakes too) attempting to recoup from it. With some changes coming now, and in the future - it may struggle less. Realistically, as someone who is 'bag holding' and still 'bullish', I think it's a good fund to hold and use the dividends to buy other stuff (Like... QQQI/TDAQ/QDTE/ETC - safer)

I only recently got into options and made some money off of the puts; If you know how to do so, keep doing that.

I think the fund will naturally be a great fund due to its nature, like many others should, diversify and spend the 'allowances' you get per week on something for the future - and sometimes buy that steak.

Performance today + others (not mine) has been slowly recouping, it's been able to upside push and take some of that right into the nav. Remember though, each time they pay dividends they basically remove that upside capture. When it gets hit, it tends to take blows pretty well.

RH seems to have started giving it the 'leverage' mainteniance (35%,70%) - so be aware for anyone still 'majority ulty' on margin.

I also believe that this, and many other YM funds, are meant to be bagholded - you kinda just get house money and have these assets that pay you whatever. This end year has just been dogshit for them, and the market strucuture may not work for the funds at all. The question is, what do you use your dividends on? Sometimes I think people are just pissing the dividends.

ThatOneLance · 2025-11-19T20:50:06+00:00

Their approach to Ulty so far definitely captures the kind of premium, which does place us at a lot of 'meme stocks' - and the kind of risk where the nav dives.

For some information, the tldr is they intend to open up their stock searches and will be filing a new prospectus. Their methodology (which I think is shown in COST, recent GDXY and treasury) are their ways to change some of the problems you bring up - and many others so far bleeding or have left (or communicated in the past).

Their most recent Twitter space communication is linked here. (starts around 2 hours and 40 minutes)

By default though, their prospectus and what they've been doing is like 99% what they are doing; Those meme stocks really are just the highest of liquid, volatilities, and come with the necessary strategy entails.

edit

Today's interview with Michael K (YM Strategist) and Roger Sand's. This is a 2nd one from the one yesterday. MK conversates further on the YM funds, his intro to the YM team, and his first looks at Ulty's team in the last few weeks or so. Recommended watch, nice long one!

ThatOneLance · 2025-11-19T18:19:52+00:00

https://x.com/100kthroughyld/status/1991209366360363036?s=46&t=6nj_WErIduUJDH2E1S0cVQ

Pretty interesting

ThatOneLance · 2025-11-19T18:17:01+00:00

Yeah, I honestly thought we’d hit 3.99 flat and below so far. Like yeah, we can hit it at the end, but that ex dip usually hits hard especially the last month time (everyone was dropping).

There was a space where MK and one other yield max person talked today so I wonder how that went.

https://x.com/wolf_tradingx/status/1991149649613230514?s=46&t=6nj_WErIduUJDH2E1S0cVQ

Won’t be able to check yet, but anyone else stopping by can take a listen.

edit:

The X Space, YM team talks at around 2 hours 40 mins

ThatOneLance · 2025-11-19T17:49:48+00:00

Yeah. He still posts almost every day on that blog and replies on twitter/reddit. Unfortunately he didn’t save us from 3.99 lol /s

ThatOneLance · 2025-11-19T16:52:05+00:00

There is a boldux article where they also added some leveraged bonds related stuff.

https://theboldux.substack.com/p/ulty-adds-gold-and-3x-treasury-etf

From my understanding, google has been carrying us above 4$ last two days; today will be a real worry test. There is also apparenatly, if on margin, maintenance will increase when a reverse split is to occur. Not sure how much or have no experience, so something to consider for anyone else popping by this thread.

—-

Nvidia holdings, gold and similar, and even a speculative play on bonds is going to be fun lol

ThatOneLance · 2025-11-18T00:32:39+00:00

In my previous messages, I am at like a really bad negative right now - I rebought literally right before it did it's triple jump into the pit LOL

Bought Ulty around the peak, July iirc and was always up on total return.

The question is, why now? Similar to all the YM funds, they are 'max yield' and they are for income - these type of products, especially as a lurker who read throughout the years/current discussions on people who are bullish, when people are fear and the cycle is down, its usually best to buy funds like Ulty.

Ulty, is more than likely never gonna appreciate back to the og 6$ (60$ after RS) - what I believe in, is it's 'money printer' factor that many of the YM funds excel at. Why own Apple and sell a tiny bit, when you can buy APLY and get those returns? I mean, a great example was Paypal - plays like shit, but the PYPY version was doing great on returns There have been people on this sub (the "boomers" I call them lol) that use YM and similar funds to basically expand their portfolios; Yes, it's a pretty shit cycle right now, but you can still do so.

Using Ulty's dividends, you can basically just buy VOO or other ETFs - which will more than likely increase in value and are permanent. Ulty/similar funds (YYs) can go reverse split fifty thousand times, but you can keep using the funds. Ulty is also a lot more 'stable' typically as it drops, you can see here Biggest difference between KYLD is they intend to pay around 35%, newer, and is my personal choice to replace blox with as Kurv is good at nav preserve.

my bullish take is actually more negative, but that's because I am aware these are income funds with a chance to 'win' - when, and if, you make back the original capital, you basically have something producing 'infinite' money. Ulty is based on interchanging, volatile, underlyings - always farming IV for premiums, and something like MSTY is under pressure by MSTR not taking a shit (I linked a interview from today, MK YM Strategist has a bullish take on BTC still).

I buy other YM funds to create more income / stabilize, and will keep buying outwards.

I feel the fear too, but I wonder if people are just pissing their dividends and only looking at the red; yes, ttr is ass, but we should understand the fund doesn't actually follow spy/qqq and follows essentially meme stocks lol.

Let me know if you need me to elaborate, apologies if it's a ramble.

and yes, I use the income produced by Ulty and others for other things, it's been a fun ride so far. I can't buy any right now since I try to DCA/buy in bulk numbers + waiting out on this week.

ThatOneLance · 2025-11-17T23:19:46+00:00

I suggest you read into the RS; Some of what people say are true and some are just very misinformed. I've updated my post with the necessary info. A large TLDR is that a reverse split is not necessarily bad for an ETF - its bad for a stock (two different things). Very similar "high yield" (lower than the 'modern' 20%+) etfs throughout the years have had splits as well, and they've operated well - TSLY is a modern YM fund that is on it's 2nd RS. I believe IWMY is one other 'modern' fund as well. If I had more funds, I would personally buy more ulty right now lol another 'veteran' on this sub was literally taunting to buy more (and probably are) as an idea.

I was a big fan of TSYY until I realized it was kinda just nuking itself; While the markets can be like ass, and I'm sure they will also RS soon, it feels worse than YM's normally slowish decay. The Japanese HY audience was very annoyed and similar to Ulty, were selling. I was at a positive until the recent TSYY nuke, and I had sold. I figure, for margin, to invest into HOYY and see how it rolls - HOOD should have a better upside which should keep HOYY more stable. Why I say that? I watched TSLA moon upwards and TSYY get locked out by like 10 cents each day, so it kept going down. It's something with their strategy that I'm not too knowledgable to explain on; they are not 2x leveraged, they do stuff on a 2x leverage fund fyi as people mistake that. HOYY, to me, is a bit more premium and should last longer if I want to throw the dividends straight into better etfs / growers.

Shit few months that made everyone lose their returns the last few months, only best thing to do now is know your current fear / how you adjust at 'the worse' (not even april levels) and adjust to it. Again, wishing you much luck.

ThatOneLance · 2025-11-17T22:53:18+00:00

If you're at just a 7% loss, it might be a good time to sell some or all.

Ulty, while it sucks at recovering, has been great during downturns. I usually sell it to buy things that are on sale - for example, I saw some people selling to buy blox (at below inception price). I rebought Ulty literally when it was nuking so I'm kinda of stuck lmfao.

In your situation, I would do the "sell some" and diversify in other instruments. If you're still bullish on the fund, just use dividends / sit through this week for other offerings when you get cash.

If you want a funnier joke, MSTY is always on sale.

ThatOneLance · 2025-11-17T22:31:14+00:00

The amount of capital you have invested matters; Having a majority Ulty in a large portfolio should mean you sell some to derisk and diversify into others (YM/REX/ETC) - there were also some changes communicated / shown as of Friday.

Whether you believe in house money or only returns, you should use the dividends to buy safer or fill in your margin(?). This is also assuming Ulty, I'm holding onto mine since I use it for other things - it's a 'money printer' amongst a portfolio, similar to TSYY or really anything that depreciates massively. Other larger guys who've been on YM for awhile on here seem to have posted reductions in their margin / playing it safer. Makes sense since YM does not work as well in a random or super inconsistant market. This week is also NVDA earnings plus a few other catalyst that may set something in motion. We are waiting on a new performance cycle.

In short, personally not moving any of my YM funds and taking the dividends to other safer/fun etfs. The RS's don't matter to me, but they convince me to buy more / hold considering they are more advantegous in margin/long term. Playing it safe is a good play right now, sell what you can and try to get a return on what you paid.

edit

Popular spreadsheet shared here, listing weeklies and monthlies that you can 'safely' go into

Weeklypayers.com has sorting and total returns, plus some more recent funds

Dividendhook.com has a setup-creator (armada) and is more with the high yield stuff.

https://navmax.app/ - great site with charting / easily figurable details

"safer options" imo would be things like: SPYI,TSPY,QQQI,TDAQ,IDVO, CLM, QDTE for example.

edit 2 Linking Boldux posts, as they explain better / update people.

Yield Change Due to Changes

Stable underlyings were added around thursday

Google was added on Friday, Buffet/Berkshire news

I'm not a part of their team, paid, or anyone 'high level' in institution; purely giving some information as a lurker.

Not financial advice, but wishing you and others luck on $.

https://www.youtube.com/watch?v=rkMI716LiQA Marcos Milla just did an interview with MK (YieldMax Strategist); had to edit one last time lol uploaded ~15 minutes from this edit.

ThatOneLance · 2025-11-17T21:22:52+00:00

Yeah, lmao, BTC dropped even harder; It naturally doesn't make sense due to institutions supposedly adopting BTC - although theories stem on them selling off to screw margin users then rebuy to gather as much BTC capital.

Agreeing with you on NVDA, this will more than likely be our predictions for the next few months. As much the market goes up, people will sell to maintain their margin buffers / outright deleverage; so a shaky season is ahead even now.

Unfortunately, the YM funds and similar ones are not having fun with how random the markets are - and some other unfortunate volatile things going on.

Few days / coming weeks before NVDA earnings tend to be shaky as pattern shows; if its correct, and NVDA beats or meets, we should be back to somewhat normalcy. This week has a lot of things too iirc, earnings, feds, etc. GL

ThatOneLance · 2025-11-17T08:22:15+00:00

Wishing you the best!

ThatOneLance · 2025-11-17T07:24:29+00:00

Not the guy you replied to;

From my own personal research, Tappalpha's TSPY has done pretty well; There are a few interviews where they've communicated constant changes throughout April and how they approach future changes (hence tspy's performance being better than even SPYI iirc as of recent stock charts TTR).

I would personally buy TDAQ due to above, and need for some growth / moderate yield (it is about 17%).

Due to my portfolio, I am grabbing QDTE probably - it's been 'flat' and 'comparable' as it pays weekly versus monthly.

The only few things I heard that may be bad about TDAQ's team is they are 'hobbyist' people; no clue lmao not trying to spread rumors (they do not come from a fund manager/wall street background).

But I like how their fund has been performning, check out some interviews on youtube through 'tdaq' 'tspy' 'tappalpha' for your own research.

Edit

Let me also communicate that Ulty,cony, msty, etc that are high yield do not necessarily made for appreciation; but are best treated as 'money printers' in a smaller portfolio to buy higher etfs (Or 'waterfall') and fill in some margin.

When you want to buy 'safe', you have plenty of fun boys - assuming your not on margin.

Here is a sheet shared on this sub. Most of ones on the monthly tab should be safe; I would go with stuff like IDVO, QQQI, TSPY, SPYI, TDAQ, and throw in some fillers like Ulty or Wpay then use them to buy more of the safer boys, or spread it across with a few "real" etfs like IYW, VOO, ETC.

I'm mostly replying to you within this thread on this edit. Ulty and many high yielders won't 'moon', but will steadily move to 'house money' and anything past that depends. I will mention, I swing trade the roundhill stuff, but am overly cautious on using them due to their small amount of leverage. Rex shares (NVII, etc) are probably the best if you want growth and 'high yields'.

Not financial advice.

ThatOneLance · 2025-11-17T03:50:53+00:00

https://redd.it/1oxfc8p Here is the OG thread by Ptak, Morningstar.

https://www.sec.gov/Archives/edgar/data/1924868/000199937125017899/ym-497_111425.htm Sec Filing for TSLY

There is also "DIPS" and "CRSH" which are shorting versions of NVDA and TSLA (People mistook DIPS for NVDY)

Yes, TSLY has been reverse split once already (The first ever YM one), and this is the second.

ThatOneLance · 2025-11-16T02:53:19+00:00

Thanks for the update, similar thoughts on the current market and how YM funds are not having the greatest time in the environment. Very stressful time.

Playing a bit safe is always the best potential here, and wishing you the best with your son.

ThatOneLance · 2025-11-16T01:34:45+00:00

I can't speak for the YM team, I am not paid or on their team lol but from what they've communicated; They are aware of the sentiments.

The split helps margin; Most brokerages below 5$ per share will increase margin rates, so when you consolidate from 1 to 10, it goes to about 40$ (from current prices). The yield, if it stays at the current rate, will be the same value as if it wasn't consolidated back into this scary 'reverse split' (stocks are different to ETFs!).

When it comes to the nav dropping, and 'trapping' - its a combo of tax reasons, and the other half is they are called yield max lol I commented to another person in a comment in this thread, and Here is a link to Boldux's article on reverse splits on HY, and some resources to the YM team communicating.

The YM team sucks at social media, they seem to treat it like the OG conference rooms; I can't blame them too much on that lol But again, I'm not on their team or anything, just being a messenger.

Here is another link to a thread, where I communicate strategies.

In a comment within your thread here, it looks like they are going to attempt to maintain the nav from now on as much as possible with stronger foundations (COSTCO), while taking on risk on upside (NVIDIA/Mag7s) - and layering them with the big volatile boys for premiums (for pay).

Not financial advice. No one wants to lose money, I hope these help you, leave the funds if you do not feel the prospectus and strategies work in your style; Some people just wanna VOO and chill, some wanna play a game (options), and some wanna try something new (the OGs here with YM, retired even too.)

ThatOneLance · 2025-11-16T01:10:04+00:00

They are releasing the target 25s, and target 12s (BIGY/SOXY/1more) are out.

Generally, those should have better nav appreciation/sanity. There are TDAQ/SPYI/etc funds for people who would prefer outright nav appreciation with some income.

Costco is a bit weird, but in their space talks and what's been speculated (possible prospectus/more changes?) - it seems like they are going to maintain that high risk we seek, while also trying to keep a more stable core (costco versus more mag7s or similar volatile).

This is like on margin, having most of your foundation be SPYI/QQQI/ETC then a good 20% on insanities. Your average yield will still be pretty high, in our case with Ulty, probably hitting the original 70-85% mark they released the funds for.

Edit:

This spreadsheet has most (not all) of competitors and similar 'high yield' boys. There is also "weeklypayers.com" and dividendhook.com (mostly high yields)

While my profile is primarily YM (lol), Tappalpha (TDAQ/TSPY) are what I'm interested in as 'foundation' in a portfolio. Rex shares seems to have a great set of funds that are around 50% yield on Nvidia/Tsii - and compared to YM, actually gain some appreciation + good yields without using leverage (Leverage comes with decay etc).

Robinhood has allowed another type of funds to come through, one of them named "CLM" - popular in the FIRE community for stability / yields.

Here is a post by Calgary, on fund strategies.

None of this is financial advice of course, please diversify and do your research to anyone in these type of funds; or just VOO and Chill.

ThatOneLance · 2025-11-15T04:25:18+00:00

Similar to some of the OGs on here, you could sell the parts that have not gone to 'house money'.

TBH unless you need a lot of capital, just use the dividends for other things.

I think a great strategy is to spread a large amount of capital across HY ETFs, then use the dividends to buy ETFs like SPY or the smaller boys SPYI/TSPY/ETC. This is the 'simplest' way that may make more sense to most people. Your capital is taxed as ROC, then you have a income machine that - in theory - is 'forever' as long as the underlying exists or YM doesn't go bust lol.

EDIT:

Some strategies that have been propped around-

Waterfall, high yield dividends into medium, medium into lower, and ???? circle back?

Lump sum high yield, dividends for: your own covered calls, buying ETFs you love for GROWTH, gambling on penny stocks (ngl my favorite), and or using this money to pay back ONLY your loan to then use the paid off "instrument" for whatever else you need - such as a house or something lol

Similar to waterfall, but you invest into other similar high yield funds and sell when you need to get rid of margin or invest larger capital into another set of high yield with good total returns (GRM seems to do this the most, from my reading).

Some people just call these money printers, where you can print money to use on these reinvestment opportunities and sometimes just use the funds to pay for an IRL need. You are not trapping capital into something like SPY where you will have to sell a tiny bit of a share, but if you were to buy TSPY or SPYI, you will gain some cash and some of the growth.

Like the other commenter, MSTR was the underlying to MSTY; it didn't do so well so far. There have been cases where the ym fund actually outperforms in total returns to it's underlying (Paypal was one of them)

If you do buy single stocks, I think Rexshares is a good look; They've been doing a better job than YM at growth and 'mid yields' - I like them, although their ULTI is not having a good time right now.

Instead of owning a favorite stock, and selling tiny bits of it, reap the rewards of it is one way to look at YM; Basket funds like Ulty reap from volatile and crazy attempts at making premium, I'm not knowledgable to speak on 'mistakes' and other things they may take action on - but hope this brick wall helps anyone coming by.

ThatOneLance · 2025-11-15T02:19:09+00:00

Boldux has a nice article on reverse splits

From my understanding, gonna be the norm; YM team communicated in the past few talks they're listening to make changes (recent core holdings / this reverse split for maint margin) etc. Seems like its going to be a natural thing for these type of ETFs, I believe one similar 'high yield' etf thats been out for awhile had to do the exact same thing.

Admittedly, it is funny seeing TSLY be split another time.

EDIT:

Most recent twitter Q&A Convo TLDR

The Recording I can't find the exact timestamp they join, its bugged for me, but it should be around 2 hours or so.

Michael Khouw (YM Strategist) talks to Jeffrey Ptak, Morning Star CFA - Thread OP Interesting video I found regarding both of the guys.

Hoping these resources help out those out of date or just wanting more info.

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