VOO — S&P 500 tracker Yield: ~$3,900/year on $300K (roughly 1.3%)
Pros
- Pure exposure to the top 500 U.S. companies
- Extremely low expense ratio (0.03%)
- Liquid, tax-efficient, and proven over time
- Long-term compounding machine with broad diversification
Cons
- Low yield
- Little protection in drawdowns
- No active management or income focus
- Growth slows when the big names stall
SCHD — Schwab U.S. Dividend Equity Yield: ~$11,700/year on $300K (roughly 3.9%)
Pros
- Strong track record of consistent dividend growers
- Dividend-focused with low turnover
- Filters based on cash flow and return on equity
- Tax-friendly qualified dividends
Cons
- Heavier exposure to financials and industrials
- Not as diversified as total market ETFs
- Can lag during tech-driven rallies
- Dividend cuts in key holdings can hurt fast
JEPQ — JPMorgan Nasdaq Equity Premium Income Yield: ~$42,000/year on $300K (14%+)
Pros
- Uses covered calls on tech-heavy stocks for premium income
- High monthly yield
- Better downside protection than traditional Nasdaq ETFs
- Active management from JPM’s derivatives desk
Cons
- Gives up upside in big tech rallies due to call overwriting
- Short track record
- Tax-inefficient due to call income
- Yield varies and not guaranteed
QQQI — Appears to be an AI or leveraged product based on the naming pattern Yield: ~$45,000/year on $300K (15%)
Pros
- High income potential, possibly option-driven
- Likely targeting growth or AI-themed exposure
- Strong yield on paper
Cons
- Thin liquidity and unknown structure
- Leveraged or synthetic income strategies carry risk
- No long-term backtest or transparency
- Watch out for fees or NAV decay if leveraged
BTCI — Likely tied to a crypto yield strategy or income wrapper on Bitcoin Yield: ~$90,000/year on $300K (30%)
Pros
- Strong exposure to BTC while generating income
- Possibly uses futures or derivatives
- Captures upside without full volatility exposure
Cons
- 30% yield is almost certainly derivative-based
- Massive volatility risk
- Regulatory unknowns
- Could underperform spot BTC if market rips
MSTY — Claims $270K income on $300K (90%) No public ETF matches that ticker exactly, likely synthetic or promotional product
Pros
- Hypothetical monster income
- Probably uses high leverage, options, or structured payouts
- Could be marketing a covered call on ultra-volatile holdings
Cons
- Likely unsustainable
- Principal risk likely near 100% if mismanaged
- Could be non-traded or high-fee
- Almost zero liquidity or transparency
- If the yield sounds fake, it probably is
Bottom line VOO is the base case. SCHD for income with quality. JEPQ rides the Nasdaq income premium trade. QQQI and BTCI might push out high yields, but you’re carrying risk in shadows. MSTY looks more like bait than a fund.
Stay sharp. High yields carry sharp teeth. If you’re getting 30% to 90%, someone’s bleeding on the other side.
NOTE: This is not financial advice. Please conduct your own due diligence.