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Strategies & Market Trends : Young and Older Folk Portfolio
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From: jritz02/10/2025 3:03:38 PM
6 Recommendations

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Posted the following on SA and want ted it posted here.

There have been past discussions of using option ETFs such as JEPI, JEPQ, SPYI and QQQI to goose income. I think by now most people who were interested in these funds were aware of holding JEPI and JEPQ in tax deferred/tax free accounts and SPYI and QQQI in taxable accounts.

NUSI was an old holding of mine that was supposed to protect downside while offering decent income. It worked great for the covid crash but failed to offer downside protection during the 2022 bear. This was due to puts be written 10% out of the money and not protecting the monthly grind down of the 2022 bear market.
NUSI has now been brought under the banner of NEOS who run the SPYI and QQQI funds. They tweaked the options and I believe they offer a great addition to someone wanting more income in a taxable account. NUSI could be combined with QQQI and/or SPYI to offer a little more downside protection while offering a little less yield (8-10%) or just bought on its own. I own all three in Roth/TIRAs, I bought for performance not for tax purposes. Although NEOS is a newer fund family the managers have years of experience and I'm a fan. NUSI will be tax friendly just like SPYI and QQQI returning mostly ROC.
I also dumped my long held PEP holding while splitting the proceeds between NUSI, CGDV, VFLO, SCHD, DIVO, CTA and QDSNX. The latter two positions were for more total portfolio diversification.
PEP was sold because I no longer want to manage individual stocks.
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