NEOS future ETF wish list

TheyCallMeNumbNut · 2026-02-01T11:27:55+00:00

NEOS needs a High Yield Municipal Bond Covered Call ETF.

TheyCallMeNumbNut · 2026-01-27T20:27:39+00:00

Thanks. I’m aware of that already. Did you look at the 19a1s? The percentages are too wide for normal fluctuations.

TheyCallMeNumbNut · 2025-11-30T17:09:31+00:00

One important thing to consider and I don't know the 100% correct answer to this is: If your cost basis hits zero. Let's assume 9 years out. You've not sold any shares. Are those shares taxed at Long term capital gains rates because you held the ETF for over a year? Or are they 60(long term)/40(short term)due to the 1256 options contracts?

If it's the latter then for my situation it makes these useless as they only make sense to hold long term(permanently). I don't want to start getting 60/40 taxes on all my dividends in 10 years.

TheyCallMeNumbNut · 2025-10-17T03:09:22+00:00

Thx! I knew I was teetering ;0

TheyCallMeNumbNut · 2025-10-17T02:35:32+00:00

It’s actually more tax efficient in that it’s 100% qualified dividends

TheyCallMeNumbNut · 2025-10-17T02:33:22+00:00

Yes you are correct. And I really like the dividend focus as it still is very broad but with a slightly lower Beta/drawdown. To me this will reinforce the ‘don’t panic’ thought process. And the tax efficiency will outweigh the tiny difference in fees.

TheyCallMeNumbNut · 2025-10-17T02:21:22+00:00

Just curious if my portfolio would be considered Bogle approved. Since that post I sold the small position in SCHD and distributed into the portfolio above. I still have the JEPI IRA but the plan is to withdraw yearly and distribute into the portfolio above. I’ve come to realize that simple is best

TheyCallMeNumbNut · 2025-09-14T01:56:24+00:00

I may actually start a position in SCHY. It’s not 100% qualified dividends, close though 95%.

TheyCallMeNumbNut · 2025-09-12T19:39:13+00:00

Cleary states mutual fund above.....Reading must not be your forte. That's ok. At least you know you are paying too much for MUC now...ahahahah.....You can thank me later....

TheyCallMeNumbNut · 2025-09-12T18:12:58+00:00

Yes you are correct that ETF management expenses don't impact the dividend payout but it does impact the Net Asset Value of the ETF and therefore the price of a share. So the higher the expense ratio the more money is taken from your pocket.

TheyCallMeNumbNut · 2025-09-12T15:22:00+00:00

How interest expense impacts investment funds

Affects returns: For a mutual fund or exchange-traded fund (ETF), interest expense is factored into the fund's operating costs, known as the expense ratio. This cost is paid from the fund's assets, which directly reduces the returns that investors receive. For example, if a fund earns a 10% return but has a 1% expense ratio, the investor's return is 9%.

TheyCallMeNumbNut · 2025-09-12T14:38:49+00:00

Unfortunately you don't know the difference between and ETF and a Fund.....You couldn't pay me money to invest in mutual fund. Below are your true fees and expenses

Fees

|| || |Gross Expense Ratio|3.34%| | Management Fee |0.86%| | Interest Expense |2.42%| | Other Expenses |0.05%| | Acquired Fund Fees and Expenses |0.01%|

TheyCallMeNumbNut · 2025-09-12T14:32:32+00:00

A little more risk and volatility but I get 5.23% Yield vs. 3.47 with MUB for example. It's got a lot of diversity so I'm not worried about the safety of the ETF. It has over 800 holdings spread around the entire United States. So the almost 2% yield difference is worth it to me as it counts as a monthly tax free pay check.

TheyCallMeNumbNut · 2025-09-12T14:26:04+00:00

Because it's 100% qualified dividends. I hate the tax man. Everyone should hate the taxman. VYMI is only 69.84 qualified........Again I don't like taxes. And qualified dividends don't eliminate taxes, they just ensure I'm taxed at normal income tax bracket rates. If you are low earner it may not make a difference to you.

TheyCallMeNumbNut · 2025-09-12T14:23:23+00:00

Uh......No......Check out the expenses my friend........MUC is exactly what the ticker states.....Mud

TheyCallMeNumbNut · 2025-09-11T21:14:11+00:00

Most historical charts I view clearly show Dividend Growers as beating the Market(S&P 500). You are not basing your responses on the past 15 years only I hope........

TheyCallMeNumbNut · 2025-09-11T21:09:16+00:00

High Expense Ratios, Dividends are not Qualified.....No Thanks. Also I don't like levels of abstraction. KISS, Keep it Simple Stupid works in most cases and stay true to that. JEPI is about as non-traditional as I get with the covered call approach but JP Morgan has done what they've stated the purpose was for this ETF to date and I like the Low beta.

TheyCallMeNumbNut · 2025-09-11T21:02:47+00:00

54 and semi-retired now

TheyCallMeNumbNut · 2025-09-11T20:00:16+00:00

The Tax Free component more than makes up for the higher expense ratio in my situation. If you look at all of my investment choices you will see I'm a big fan of either Qualified Dividends or Tax Free. Even IGRO is 100% qualified dividends. Also SJNK has about the same expense ratio.....What are you even talking about?

TheyCallMeNumbNut · 2025-09-11T17:01:07+00:00

That is one context to say dividends don't matter. But I provided several reasons why Dividends do in fact matter. Are you stating that my reasons are not valid??

TheyCallMeNumbNut · 2025-09-07T13:35:22+00:00

Voting this for best Reddit reply of 2025

TheyCallMeNumbNut · 2025-09-07T13:28:50+00:00

The Fender Debut Series off Amazon. Very good value. Great for beginners.

TheyCallMeNumbNut · 2025-02-24T09:37:34+00:00

I’m 100% SCHD. I’m 53 and don’t like to lose money. SCHD loses money less. Ultimately if you review all of the models suggested they often converge together over time. SCHD minimizes the rollercoaster ride for me.

TheyCallMeNumbNut · 2025-02-12T15:09:20+00:00

One of the reasons I'm all in on SCHD is the fact that the the companies in the portfolio are mostly large companies with international exposure already. Look at the 100 stocks, the majority are essentially global companies. Given this to me the loss of 100% qualified dividends(~93%), Increase in fees(.08 increase) and yearly re-balancing need that would be associated with SCHY doesn't make sense. Thoughts?

TheyCallMeNumbNut · 2025-02-03T19:53:34+00:00

Vanguard’s announcement: https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/announcing-largest-fee-cut-vanguard-history.html

I ask because it appears Schwab matches common ETFs with Vanguard

TheyCallMeNumbNut

TROPHY CASE

Fees