r/NEOSETFs

Anyone gone all in on btci? Anyone living off the dividends from btci?

Current Situation:

43 year old male in Oregon

$5,500 month in post tax income

$3,700 month in expenses.

$750,000 investments: $390,000 in Retirement accounts (Roth $85,000; Rollover IRA $285,000; workplace 401 $20,000) $340,000 in Taxable Brokerage account. $20,000 HYSA

My plan:

FIRE with-in 1 year. Eventually move to Washington State since they have no income tax and the first $278,000 annually LTCG are exempt from being taxed.

Keep my Retirement money intact with rolling over the workplace 4account into my Rollover IRA.

Take $330,000 and invest into various CC-ETF's. I'm looking at a mix of SPYI, QQQI, IWMI, BTCI, CHPY and XQQI.

Fund	Amount	Return Rate	% of Portfolio	Income	Monthly	ROC	Non Qualified	Qualified	Taxable Income	LTCG Tax
SPYI	$75,000.00	11.90%	22.73%	$8,925.00	$743.75	95.00%	2.00%	3.00%	$178.50	$267.75
QQQI	$75,000.00	13.86%	22.73%	$10,395.00	$866.25	95.00%	2.00%	3.00%	$207.90	$311.85
XQQI	$25,000.00	18.24%	7.58%	$4,560.00	$380.00	95.00%	2.00%	3.00%	$91.20	$136.80
IWMI	$75,000.00	13.68%	22.73%	$10,260.00	$855.00	95.00%	2.00%	3.00%	$205.20	$307.80
BTCI	$40,000.00	25.80%	12.12%	$10,320.00	$860.00	44.00%	56.00%		$5,779.20	$0.00
CHPY	$40,000.00	33.62%	12.12%	$13,448.00	$1,120.67	40.00%	60.00%		$8,068.80	$0.00
	$330,000.00	17.55%		$57,908.00	$4,825.67				$14,530.80	$1,024.20

With these allocations I would be about $1,100 over my monthly expenses so that would give me wiggle room for down distributions. I would also be bumping my cash up to about $30,000 to allow me to further absorb down months. Once I hit "retirement age" I can start withdrawing from those accounts.

With the ROC taking around 6-7 years to bring my cost basis down to zero, my taxable income would be right around the standard deduction amount. This would allow me to qualify for ACA/Oregon Health Plan as that is also based on MAGI. Oregon does tax LTCG as regular income so that is why I would be looking at moving to Washington state at some point before my cost basis hits zero for most funds. With leftover funds I would look at first buffing up my cash, then probably DRIP most of the remainder with the occasional extra international trip.

I have a long term partner who is in a very similar financial situation as me. Her monthly income and expenses are both slightly less but she has a similar amount in investments and more cash. She is also interested in FIRE but is much more skeptical/conservative financially. She has always wanted $2,000,000 each before retiring.

I do have a meeting in a few weeks with Fidelity and I plan on setting up a phone call or meeting with a local CPA. Are there any glaring things I am missing? Any specific questions I should ask at my upcoming meetings?

How do we think these funds will perform in a year long bear market where the market drops 20%? With spyi for example having a lower beta than the market could we expect it to only drop 15%ish? What does the recovery look like?

I am a 77 yo retiree. In February, I subscribed to my 5th year of HDO (High Dividend Opportunity) on Seeking Alpha. I had consistently collected 10%+ on my +/- 50 position portfolio. Then I stumbled across NEOS and added a few to my accounts to watch it after doing my research. Although HDO had been good for a reliable income, it required vigilance. I found myself favoring the NEOS shares to my HDO portfolio shares. I was tired of the methodology of the HDO. So I fed my concerns into Gemini, ChatGPT, and Copilot, as well as searches across the web. It was unanimous; it was time to relax with a new approach. I don't need the income. What I've been doing is building something to leave to my heirs, something they can understand; not an HDO portfolio they would rather sell without understanding how to maintain it. Over the last few days, I have sold all of the HDO shares and bought into SPYI, QQQI, IYRI, IWMI, and RA. $.5M should deliver a nice inheritance. Note: I've never taken any dividend funds out of my accounts, and my heirs have no idea what they will someday receive.

Would love to hear genuine experiences and side hustles that actually pay 🚀

What do you guys (and girls) think about HYBI? I like it because of low volatility and nice and stable yield of 8%. So far, I only have a small part of my portfolio in it (5k, below 1%).

Which I am not satisfied with is, that it seems that HYBI doesn't recover well from drawdowns. It hasn't yet recovered from Trumps tariffs crash last yesr April and also not from Iran war crash.

What do you think about it?

I went all-in (mid-five figure investment) today on NEOS Boosted Bitcoin High Income ETF (XBCI) nestled inside my Roth IRA. The final pillar of my Covered Call (CC) income sleeve is in place and ready to help fund a significant portion of my month-to-month retirement income starting in 2027. And just in time for a dividend to drop next week!

My CC income sleeve consists of the following (7) EFT’s:

• CHPY - YieldMax Semiconductor Portfolio Option Income ETF

• FEPI - REX FANG & Innovation Equity Premium Income ETF

• IWMI - NEOS ETF Trust - NEOS Russell 2000 High Income ETF

• MLPI - MLP & Energy Infrastructure High Income ETF

• SPYT - Tidal Trust II - Defiance S&P 500 Target Income ETF

• XBCI - NEOS Boosted Bitcoin High Income ETF

• XQQI - NEOS Boosted Nasdaq-100 High Income ETF

Note: These are seven holdings out of Portfolios of some 37 securities.

Can someone please help explain this to me, I am having difficulty.

Spyi dropped 0.22% - 0.11. To 52.40

Spyh dropped 0.40% - 0.22. To 54.94

Xspi dropped 0.51% - 0.25. To 48.92

I would have thought the hedged would have dropped less? How do I understand how the leverage works because it doesn’t seem like a simple calculation, and I understand the prices are a little different but it doesn’t seem like the math is right.

For example if I am 3x leverage on a $1 stock

If it moves up 3%. Shouldn’t I be at $1.09 and if it is down 3% I lam at $0.91?

Thank you for any help in understanding how these move!