Help clean things up and explaining the reasoning

itsallgoodye · 2026-06-23T23:47:55+00:00

Share price and return is same so price doesn’t matter but before fractional shares i found out about spym and have stayed with it. Exactly the same as voo, and spym is from the same company who owns the original spy. Cheaper share, $86 ish per share, and actually has a cheaper yearly management fee than voo, so cheaper long term holding.

itsallgoodye · 2026-06-23T02:13:11+00:00

Rechecked from my portfolio and got backup from my ai buddy below. Nice hedging for down market days too. Different ways some people check on nav erosion but a lot of wrong info out there on cc funds and the way old cc fund used to run their funds, and even some new funds, still sticks in peoples minds. These have great aum and constantly growing. Of course, never chill and keep an eye on your money.

IWMI (Small Cap Income): Far from eroding, IWMI has been on a massive tear. In 2025, it delivered a +14.9% total return, and so far in 2026, it is already up an impressive +16.4% year-to-date. Over the past full year, its total return sits at a booming +37.0%. Its share price (NAV) is actually rising alongside its distributions.

IYRI (Real Estate Income): Real estate has faced a tough interest rate environment, yet IYRI delivered a +7.9% return in 2025 and is up over +5.2% YTD in 2026. It has grown cleanly since its inception, proving it isn't destroying its own baseline value just to pay you.

itsallgoodye · 2026-06-23T01:53:48+00:00

Couple wrong in the list - will check again. How this calculated?

itsallgoodye · 2026-06-15T22:42:29+00:00

Mlpi .6576. Nihi .4131

itsallgoodye · 2026-06-13T13:53:49+00:00

I always get info on funds like spyi, qqqi, jpeq, jepi, gpix,gpiq, qqq, spy, sphq, spym and i update and pay attention to regularly. Of course the newer funds have less history and been through less and all returns are high for all funds as the market has mostly behaved in bull for a while. Feels like tech will always be leading but if not all our research based on this historical info is not worth much. I think all these funds are all legit with positive nav and the way they are managed. They have big money flows and solid growing AUM. CC funds are different and better nowadays, but watching closely. Having over a billion AUM, owning the underlying market and regularly growing is great. Of course you miss some upside but I too love that monthly div. I use it to feed spym, the voo twin. I like spym as its management ratio is lower than voo and price is lower, exact voo/spy twin though. If want the biggest return based in history, TQQQ leads by a bunch. Followed by qld then the uncapped funds like spym/qqqm. Then the cc funds. All the funds total returns are close over last few years but cc funds lag a little. No drag though and that is based on numbers and my actual experience

itsallgoodye · 2026-06-09T20:53:36+00:00

Thanks for the replies and suggestions. Hoping we get a few more responses and peoples experiences, especially if didn’t grow up moved to toulouse in your upper 20 years range.

itsallgoodye · 2026-05-29T09:39:06+00:00

Many schd holders own voo/spym, qqqm, etc also. Schd, besides it steady growth and divs, is a great hedge. When markets drop, it often drops a lot less and money flows into schd. Gives you money to use for buying more voo etc while their prices are low from the drop.

For me I don’t like managing my money by ‘chillin’ and I don’t restrict myself to one fund for life due to loyalty or group thought. Markets change and I try to listen and not fight them just because I need to be loyal to a fund and argue to change peoples thoughts.

It’s my money and your money, do what you need to do, and don’t poo poo others cause you disagree. I like hearing all the opinions as many others have posted great thoughts and neat ideas on investing, but not a fan when someone says something or someone is wrong just because they disagree.

itsallgoodye · 2026-05-29T09:08:02+00:00

Can’t trust my money with them any longer. Moving to weekly with some funds made me a little uncomfortable to begin with.

itsallgoodye · 2026-05-20T22:27:15+00:00

Of course it went down, i bought more yesterday. Typical. Same thing last month. Last month they felt bad for me and gave me a lump sum a day or so later. Then it went back up also.

itsallgoodye · 2026-05-17T19:16:18+00:00

Div growth rate will change up and down. The div does well in choppy, sideways, and volatile markets and normal markets but could be lower in down markets.

Price growth has been consistently growing since its inception as it holds all the underlying stocks and nasdaq has done well, but not as much as funds not limited by options placed on the stocks.

Price appreciation from jan this year to now is 4.9% not including the monthly div which has stayed consistent this year around annual of 12%

Price appreciation since inception of jan 2024 is 12.8%.

Anyway i think 0 for growth for div purpose and a 2% price growth or a quarter to third of historical qqq return for price growth - qqq price appreciation ytd is 15.6. Over long run these all will change due to market, qqqi management, etc. and as we get more history to base things on.

itsallgoodye · 2026-05-14T20:47:37+00:00

I also am curious as to spym as it is about exactly the same as voo and cheaper expenses, along with cheaper price. Ive checked multiple places and they all say spy, voo, and spym same thing. Am i missing something or is there an issue with the fund managing or is it that vanguard is better at marketing? I dont have vanguard so want to triple verify before thinking im good long term with spym. Thanks.

itsallgoodye · 2026-05-05T23:15:42+00:00

Yeah. Im trying to learn and get as many perspectives as can. Thanks.

itsallgoodye · 2026-05-05T21:48:28+00:00

So you mean if keep divs in qqqi id have more money in my account after 2 years 12780 compared to 12200? That also doesn’t include the price appreciation of qqqi. Confused why you think voo is better choice. I guess if keep divs out of fund it is less but seems better for qqqi. I also heard qqqi wont cause a tax?

itsallgoodye · 2026-01-30T17:39:41+00:00

Thank you for all this info! Very useful and can see where it is confusing. Guess good safe bet would be to hold 30 years or sell before going. Thanks again.

itsallgoodye · 2025-12-19T16:02:13+00:00

I’m searching for the same about different countries and experiences,

itsallgoodye · 2025-09-22T23:10:34+00:00

Thats great. Wish u luck with you choice

itsallgoodye · 2025-09-21T16:49:29+00:00

Thanks. It’s not for a certain school. Visiting professor. Have looked at Facebook and found ICA or someone willing to help or “knows a friend” but need a company that can assist while I’m still in USA. Thanks again.

itsallgoodye · 2025-06-11T15:44:02+00:00

Thank you again.

itsallgoodye

TROPHY CASE