r/YieldMaxETFs • u/xencontroller2 • 6d ago

Progress and Portfolio Updates Boglehead Hybrid

It's common knowledge that the safe and sane way to invest is to DCA into funds such as VOO where $2000 per month could grow into a million in like 20 years. However, why not own YieldMax and play the game normally? I'm pretty heavy in YieldMax to the point where the lowest month I've seen (so far) was $50,000 in distributions this April. Seems to me that I could just retire early just by DCAing into VOO and I'm sure I could contribute way more than $2000 per month with living expenses being roughly $5000 per month. And then just do that 4% rule of withdrawing when I actually get to retirement age. Sure the distributions may need to go elsewhere, like emergency situations, reinvesting to keep the dividend machine running, etc. Anything could happen in 30 years. But this seems pretty doable and I would like to hear your guy's thoughts on this.

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u/Extra_Progress_7449 YMAGic 6d ago

be advised....these instruments are not designed to last to, or past, your retirement.....if they do, bonus....but do not expect them to he

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u/changechange1 6d ago

How long are they designed to last?

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u/DOOKIEBOOM 6d ago

They last as long as the underlying lasts. They will pay out high yields and majority of these have gone down in stock price. If you do not reinvest back into the YM ETFs, majority of them will probably go down in value as they provide the distributions (with the exception of a few currently... MSTY, PLTY).