You are missing the important fact, SCHD is Quarterly, whyle QYLD is Monthly which is what people want to pay bills, I cant be waiting 3 months for bills,. With that been said QYLD wins over SCHD to pay bills monthly.
Well I'm assuming you won't just retire with a million in stocks and zero in cash. So you could cover costs until you get your SCHD payment, and then from there you can live off SCHD. Not hard lol.
@@zxr250 I understand, As a matter of fact I wouldnt even buy QYLD, your net depreciates with time, JEPI would be a MUCH better option. To me QYLD is trash but the share price is cheaper than JEPI so people like that.
@@ysmith494 They do. I like both growth and income but the difference is with income you actually get your money... for capital its not real until you sell
Financial literacy can be quite the adventure, right? The highs and lows of this fund are like a rollercoaster. While it offers a tempting starting dividend yield, there are downsides like high expenses and tax implications. But hey, knowledge is power, and this video gives us valuable insights. Grab that spreadsheet and let's dive into the world of qyld together. Happy investing!
The best argument I could make for QYLD and ETFs like it is as a way to bridge the age gap between when you start living off dividends and when certain tax advantaged accounts and benefits come online (e.g., Roth IRAs/401Ks at 59.5, Social Security at 62, and HSAs at 65). Even then, I think simply selling off a small chunk of your portfolio to supplement dividends until all your income streams become active is probably safer.
Great video, I was considering liquidating and sinking my small amount of funds into this one stock. Now I've reconsidered. The diversification I have currently is great. I can't complain. I suppose I should stay diversified, keep looking for deals, and set my goal metrics in terms of dividends for the long term instead of asap. :D Thanks for the analysis.
It doesn't look good me for me ... BTW is the ratios displayed on SeekingAlpha accurate? I sometimes find discordance with the 10K/ or Q and other websites as well...
Very interesting! What I'm curious about is how these covered call etfs perform when the market goes no where for a long period of time. We had a pretty damn good run from 2010. So what if this decade the market goes no where?
@Marianna Greenlee I realized these funds are all about income. But my question is, can these funds maintain the high yield during a flat market? Look at 2000 to 2010, the SPY basically stayed the same. Do you understand what I'm trying to get at? It will be interesting to see a comparison in a flat market.
Personally i sold my covered call funds. I may hold jepi in my roth in a small position, but i have many years of investing ahead of me, and I'd rather accumulate shares of quality dividend growers for now.
I purchased 2000 QLYD about 2 years ago. The cash flow has been great! But the overall loss of value is sad. Ultimately, the gain in dividends is only about 50% of loss in value. So it's time to consider it write off.
Short-term dividends do not beat long-term compounding and basic dividends with moderate increases! The stark contrast in compounding compared between the two S&P and the QYLD is like a chasm.
Now imagine a coin machine that throws out $ each month and you drip it over time… it will eventually make money as long as stock goes up and down a little bit… accumulate long term bank roll
Learn when to buy and sell this etf and your returns could be enormous it’s not a long term buy and hold without simple TA knowledge your missing on 20% returns on this etf
Even in a bear market I wouldn’t invest in this type of fund because who’s going to buy call options in a bear market? At least the premium will be extremely low and reduce the net gain. Comical fund to say the least.
@@sonnyetienne8803 I only have 8 Stocks, of those eight 5 are dividend stocks. AT&T, AGNC, Wendy's, QYLD, and Cameco Corp. I'm not focusing on price appreciation... I'm literally looking at income and ease of DRIP maximization. Once I have a large machine running I'll use the Distributions to buy other stocks for appreciation. Dividenology is working with 4 Times the cash than I am each month.
Alot of coping in the comments 😂😂 yall are missing it qyld is a depreciating asset basically a liability, check the graft its trending downwards I i wouldn't touch it qith your stick
If your loosing more money , than what your getting from the dividend , what is the point?? Sounds ridiculous and stupidity to me 🤦♂️🤦♂️🤦♂️🤦♂️🤦♂️🤦♂️
You are missing the important fact, SCHD is Quarterly, whyle QYLD is Monthly which is what people want to pay bills, I cant be waiting 3 months for bills,. With that been said QYLD wins over SCHD to pay bills monthly.
Well I'm assuming you won't just retire with a million in stocks and zero in cash. So you could cover costs until you get your SCHD payment, and then from there you can live off SCHD. Not hard lol.
@@zxr250 I understand, As a matter of fact I wouldnt even buy QYLD, your net depreciates with time, JEPI would be a MUCH better option. To me QYLD is trash but the share price is cheaper than JEPI so people like that.
@@gengarphantom6967Exactly
I like qyld... I need that 12 percent
Just got my first qyld dividend. Its brilliant.
I've had QYLD for a year and I love it.
Those Monthly dividends comes in handy. 😀
@@ysmith494 They do. I like both growth and income but the difference is with income you actually get your money... for capital its not real until you sell
Financial literacy can be quite the adventure, right?
The highs and lows of this fund are like a rollercoaster. While it offers a tempting starting dividend yield, there are downsides like high expenses and tax implications.
But hey, knowledge is power, and this video gives us valuable insights.
Grab that spreadsheet and let's dive into the world of qyld together. Happy investing!
The best argument I could make for QYLD and ETFs like it is as a way to bridge the age gap between when you start living off dividends and when certain tax advantaged accounts and benefits come online (e.g., Roth IRAs/401Ks at 59.5, Social Security at 62, and HSAs at 65). Even then, I think simply selling off a small chunk of your portfolio to supplement dividends until all your income streams become active is probably safer.
100% Agreed with this - I prefer sustainable Dividend Growth over a Current High Yield. Great Video @dividendology 😀
thanks!
Great video, I was considering liquidating and sinking my small amount of funds into this one stock. Now I've reconsidered. The diversification I have currently is great. I can't complain. I suppose I should stay diversified, keep looking for deals, and set my goal metrics in terms of dividends for the long term instead of asap. :D
Thanks for the analysis.
Can’t go wrong with QYLD especially in a Roth
I love it
It doesn't look good me for me ... BTW is the ratios displayed on SeekingAlpha accurate? I sometimes find discordance with the 10K/ or Q and other websites as well...
SCHD only pays 3.5% yield on dividends... how is that a relative comparison to QYLD's 12%????
2 completely different animals
Different types
Very interesting! What I'm curious about is how these covered call etfs perform when the market goes no where for a long period of time. We had a pretty damn good run from 2010. So what if this decade the market goes no where?
This is an income fund not a growth fund. If you are not near retirement, I wouldn’t invest in QYLD. SCHD would be a better vehicle.
@Marianna Greenlee I realized these funds are all about income. But my question is, can these funds maintain the high yield during a flat market? Look at 2000 to 2010, the SPY basically stayed the same. Do you understand what I'm trying to get at? It will be interesting to see a comparison in a flat market.
@@sazabi1980 Got it, your question is about low volatility and lower option premiums.
I just hit 100 shares hope to hit 2000 and be rewarded with retirement 😊
Personally i sold my covered call funds. I may hold jepi in my roth in a small position, but i have many years of investing ahead of me, and I'd rather accumulate shares of quality dividend growers for now.
6/6/2023 is paying 11.57%
Can you do an analysis on SVOL?
Yes! Coming soon!
@Dividendology thank you! I love your patreon spreadsheets so, ty!
Im using this ETF in the Brokerage account of my Child because of some nice tax benefits. Im pulling the premium income into an SP500 ETF
veryyy good analysis thank you very much!!! I never check the cost of living in time! A lot of people got FIRE and then they must return to work.
Great point!
You can make something similar with QYLD v RYLD v XYLD
Good idea!
I purchased 2000 QLYD about 2 years ago. The cash flow has been great! But the overall loss of value is sad. Ultimately, the gain in dividends is only about 50% of loss in value.
So it's time to consider it write off.
Lol what!
There is no loss unless you sell
it would be interesting to see this analysis on jepi and jepq.
I have videos on that!
Short-term dividends do not beat long-term compounding and basic dividends with moderate increases!
The stark contrast in compounding compared between the two S&P and the QYLD is like a chasm.
Ooohhhh I can invest in tech and miss out on the upside. Where do I sign up?
😂
Can you do an analysis on SCHP?
Now imagine a coin machine that throws out $ each month and you drip it over time… it will eventually make money as long as stock goes up and down a little bit… accumulate long term bank roll
Very nice video 👍
Can you do an analysis on TKR?
Learn when to buy and sell this etf and your returns could be enormous it’s not a long term buy and hold without simple TA knowledge your missing on 20% returns on this etf
You missed out the key fact most ETF dividend payers don’t have stable dividends
For me QYLD is a holding for 5 or fewer years
4k per month? Damn where at California?
Come in man, why would you even compare QYLD with SnP500(SPY) in charts? QYLD and QQQ is the appropriate comparison.
340 shares here 2025
People r looking at my ac ur going to get more views😃. Excellent content.
Even in a bear market I wouldn’t invest in this type of fund because who’s going to buy call options in a bear market? At least the premium will be extremely low and reduce the net gain. Comical fund to say the least.
$1570 in dividends on a $20,000 portfolio
me too
Monthly?
@@Gioxtream Annually... I wish monthly
What companies you own
@@sonnyetienne8803 I only have 8 Stocks, of those eight 5 are dividend stocks. AT&T, AGNC, Wendy's, QYLD, and Cameco Corp.
I'm not focusing on price appreciation... I'm literally looking at income and ease of DRIP maximization. Once I have a large machine running I'll use the Distributions to buy other stocks for appreciation.
Dividenology is working with 4 Times the cash than I am each month.
Alot of coping in the comments 😂😂 yall are missing it qyld is a depreciating asset basically a liability, check the graft its trending downwards I i wouldn't touch it qith your stick
Youd be mich better just buying the s and p500
Lewis Richard Moore Sandra Perez Ruth
934 Amanda Meadow
Regret my QLYD purchase
I’m using it as a 2% holding
If your loosing more money , than what your getting from the dividend , what is the point??
Sounds ridiculous and stupidity to me 🤦♂️🤦♂️🤦♂️🤦♂️🤦♂️🤦♂️
Exactly how I feel about it. Unless I can invest 10 grand on one stock that allows me to live off the dividends what's the point!
Walker Kimberly Thomas Richard Clark Ronald
Chart looks like crap
Good Video bad ETF
No it isn't... It protects your income