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 Outstanding nominal value as of the current date

Average price of a bond, in % of face value

The current yield indicates the ratio of the accrued coupon to the current market price of the bond. It can be used in cases where attachments are considered for a short period of time. In this situation, the change in the market price can sometimes be neglected.

Bond duration is a way of measuring how much bond prices are likely to change if and when interest rates move.

Effective yield to maturity. It considers both coupon income and profit/loss due to the difference between the purchase price and the repayment price. Effective yield shows the investor the return on invested funds with reinvested coupons and depreciation.

Listing level — stock exchange assessment of securities reliability.

The ratio of the annual coupon to the "dirty" price of the bond, including the accrued interest. This type of yield can be used in the case of short-term investments, when the investment horizon is within one coupon period.

Average purchase price of a bond, in % of face value

Up to 2 years - short-term, up to 5 years - mid-term, more than 5 years - long-term

Bond type - goverment, municipal or corporate

Coupon yield % per annum of nominal value (coupon amount per year/nominal value)

 Simple yield to maturity. It considers both coupon income and profit/loss due to the difference between the purchase price and the repayment price. Simple yield shows the investor the return on invested funds without reinvested coupons.

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The fund expense ratio is the annual fee expressed as a percentage of a mutual fund or ETF's average assets, covering management, administrative, and other operational costs. It directly reduces investors' returns.

10 years

12 trailing months

1 day

1 month

1 year

3 months

5 years

6 months

1 week

all time

Choose a period

year to date

The speculation is over. YieldMax/Tidal officially filed with the SEC this evening for reverse splits across 12 of their option income ETFs. If you're holding any of these funds, here's what's happening and what it means for your portfolio.

If you're new to this, here's the simple version: A reverse split consolidates your shares.

In a 1-for-10 split, every 10 shares you own becomes 1 share at 10x the price. In a 1-for-5 split, every 5 shares becomes 1 share at 5x the price.

Your total investment value doesn't change. If you owned $1,000 worth before the split, you still own $1,000 worth after. You just have fewer shares at a higher price per share.

Reverse splits typically happen when share prices get uncomfortably low. Many of these YieldMax funds have been trading in the single digits or low double digits due to:

This has been heavily discussed in income investing communities for months. The writing was on the wall.

Let's cut through the noise. Here's what actually matters:

Your distributions don't change (in dollar terms). If you were receiving $100/month in distributions before, you should still receive approximately $100/month after, just from fewer shares at a higher distribution per share.

Your yield percentage stays roughly the same. The math still works out to the same yield on your invested capital.

The optics change. Instead of owning 1,000 shares at $5, you might own 100 shares at $50. Psychologically, this feels different, but financially it's identical.

Market reaction: How will traders respond? Sometimes reverse splits trigger selling due to negative perception, even when fundamentally nothing changed.

Distribution sustainability: This doesn't fix the underlying NAV decay issue. These funds still distribute capital. The split just resets the share price.

Liquidity: With fewer shares outstanding, bid-ask spreads could widen slightly, though YieldMax funds generally have decent volume.

This is a cosmetic change, not a fundamental one.

If you're in these funds for monthly income and you understand the strategy (synthetic covered calls generating high yields with NAV erosion), nothing about your thesis changes. You're still getting the same exposure, same distributions, same risks.

If you were uncomfortable with the NAV decay before this announcement, you should still be uncomfortable after. The reverse split doesn't change the math - it just makes the share price prettier.

For those of us who've been tracking these funds closely, this was inevitable. When you're paying 60%+ annualized yields, share prices will drop. That's how the math works. The reverse split is YieldMax hitting the reset button.

Full transparency: I've been tracking several YieldMax funds as part of my high-yield ETF analysis. This news doesn't change my strategy on any of them.

If you're holding for income and the distributions still meet your needs, there's no reason to panic sell. If you were already questioning these positions, this might be a good time to reassess.

Reverse splits aren't inherently good or bad - they're just a corporate action. What matters is whether the underlying strategy still works for your goals.

For income investors: Your monthly distributions should continue uninterrupted. Just with fewer shares.

For traders: Watch the price action closely around the split date.

For the skeptics: This confirms what we already knew - these funds experience NAV decay by design, and eventually needed a cosmetic fix.

 - search for the ticker symbols listed above.

What's your move? Are you holding through the splits or using this as an exit opportunity?

BREAKING: YieldMax Files Reverse Splits on 12 ETFs - What Income Investors Need to Know

I need to share something important with you today.

Over the past 18 months, I've been running an experiment. Not with paper trading. Not with hypotheticals. With real money, real positions, and real consequences.

I've been testing high-yield ETFs... the ones promising 40%, 50%, even 60%+ yields. The products that flood your social media feeds with eye-popping distribution rates and "passive income" promises.

And after 18 months of living and breathing this space, I've learned some hard truths that nobody wants to talk about.

I didn't go into this blindly. I documented everything:

I wanted to answer one simple question: Do high-yield ETFs actually build wealth, or are they just recycling your own capital back to you?

The answer? It's complicated. And that's exactly why I made this video.

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https://www.youtube.com/watch?v=UmclOQFEm_I

After 18 months, the data told a story that the marketing materials never will:

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Yes, the distributions hit your account like clockwork. Yes, seeing those payments feels good. But when you zoom out and look at total return, a very different picture emerges.

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This is the silent killer. While you're celebrating your distributions, your Net Asset Value is quietly declining. In many cases, the "income" you're receiving is just your own capital being returned to you and you're getting taxed on it.

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Here's the trade-off nobody explains clearly: Most high-yield strategies cap your upside. When the underlying stocks rip higher, you get left behind because you've sold away your gains for premium income.

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Not all high-yield products are created equal. Some genuinely work for specific strategies. Others are wealth destroyers dressed up as income vehicles. I break down which is which in the video.

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This experience fundamentally changed how I think about income investing. It's why I shifted to my new 75/25 strategy... prioritizing sustainable growth with strategic income, rather than chasing unsustainable yields.

You're here because you want the truth. You want someone who's actually testing these products, not just regurgitating marketing material from ETF issuers.

I've spent 18 months and a significant amount of capital learning these lessons. I'm sharing them so you don't have to make the same mistakes.

This video has become my best-performing content because it resonates with something people are experiencing but nobody is talking about honestly: Most high-yield ETFs are not what they appear to be.

Whether you're in the UK, the US, or anywhere else, the principles are the same. Yield alone won't make you rich. In fact, chasing yield often keeps you poor.

After 18 months of real-world testing, here's what I know for certain:

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 Income investing can work — but only with the right products and the right strategy

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 Most 40%+ yield products are giving you your own money back

 Sustainable yields combined with growth potential beat pure yield plays every time

 NAV erosion is real, and it's destroying long-term wealth for millions of investors

 There ARE quality income products out there — you just need to know how to identify them

That's exactly what I cover in this video. Real experience. Real data. Real results.

After you watch it, I'd love to hear your thoughts:

Drop your comments below. Let's have an honest conversation about what actually works in this space.

Remember: Think long-term. Your portfolio will thank you for it.

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P.S. This is exactly the kind of research and real-world testing that I share exclusively with my community in Patreon. 

While everyone else is chasing the next shiny 50% yield product, we're focused on strategies that actually build lasting wealth. That's the difference. 

You can sign up for free to get my Newsletter and articles direct to your inbox.

The Hard Truth After 18 Months of High-Yield Investing

I’d like to briefly re-introduce the most popular dividend stocks for those who aren’t familiar. There’s a group of companies that have paid and raised dividends for decades. In 2025, interest in them picked up again: many of these names have already rallied on the back of resilient results and expectations of a softer monetary policy. 

For investors, they’re a reliable reference point: these businesses have lived through multiple cycles and kept a disciplined approach to payouts. Some of these stocks will be in my portfolio. But a strong run is not a reason to switch off common sense. A long dividend history helps you find sturdier companies, yet price still matters.

In this piece, I’ll look at how to approach them today: where dividends are backed by real cash flow, where share prices may have run ahead of fundamentals, and how to use this list so it works for your goals—not against them. After reading the article, let me know which of these stocks you own.

Dividend Kings are companies that have increased their dividend payments every single year for at least 50 consecutive years. It’s a rare club: these businesses have weathered downturns, crises, and interest-rate cycles, yet still found the cash each year to lift the payout, even if only by a step.

They’re typically large, resilient companies with straightforward business models and steady cash generation. They tend to keep debt at reasonable levels, manage costs consistently, and fund dividends from current revenue and free cash flow.

There are limits to keep in mind. A long payout history doesn’t guarantee future returns; stock prices still depend on demand and business results. Before buying, check what actually funds the dividend, whether revenue is growing, and whether the valuation looks overheated. For many investors, Dividend Kings can form a durable core of the portfolio, but it’s still best to make a quick numbers check before deciding.

To avoid mistakes and keep the list accurate, it’s better to rely on maintained, regularly updated sources. Up-to-date registries for 2025 are available at 

 (which maintains a full list with analysis on each name). I use these materials as the base for our table and for quick data checks.

I’ll take a closer look at the top 5 Dividend Kings from this list for 2025—what they do, what drives growth, and the dividend outlook.

One of the most resilient consumer-staples companies—home care, hygiene, and personal care (see 

). P&G handled higher input costs and shipping issues by refreshing products and making careful price increases without big volume losses. Cash flow stays steady (see 

), which supports regular dividend raises: today the annual 

 is about $4.23 per share with a ~2.88% yield, paid quarterly. On basic numbers, P&G’s earnings per share over the last year are about $6.53, with the company expected around $7.00 over the next year. The stock trades at a price-to-earnings ratio of ~22.5 based on last year’s earnings (about ~21 on next year’s). Volatility is low: the beta is ~0.36 (lower than the market). The latest quarter (ended Sept 30, 2025) came in better than expected, with earnings beating by ~4.7% and revenue by ~1.0%, matching the story of modest growth and improving margins after the choppy 2022–2023 period (see 

). For long-term investors, this remains a core holding with dividends backed by real cash generation. 

The mix of beverages and snacks smooths revenue across seasons and regions (see 

). In recent years, PepsiCo has leaned more into snacks—visible in the 

—helping offset beverage ups and downs and keep margins healthy. 

 have risen for decades, and today the annual dividend run-rate is about $5.69 per share, paid quarterly, which works out to an approx. 3.98% yield at a share price around $142.95. On simple numbers, earnings per share over the last year are about $5.49, with about $8.49 expected over the next year. The stock trades at a price-to-earnings ratio of ~26 based on last year’s earnings (about ~17 on next year’s). The most recent quarter (ended September 30, 2025) was better than expected, with earnings beating by ~4.4% and revenue by ~1.9%. For a conservative portfolio, $PEP remains a model of stability, with dividends supported by a wide brand lineup and steady cash generation; investor relations: 

After spinning off the consumer segment in 2023, 

 became more focused—pharmaceuticals and medical devices. A couple of weak price years gave way to recovery in 2025 as key drugs progressed and devices improved. The 

 record remains spotless: over 60 straight years of increases, with about $5.20 per share a year today and a ~2.8% yield; the next ex-dividend date is Nov 25, 2025. On simple numbers, earnings per share over the last year are about $9.33, with about $11.44 expected next year. The stock trades at a price-to-earnings ratio near 20 on last year’s earnings (about 16 on next year’s), and volatility is low (beta ~0.39). The most recent quarter (ended Sept 30, 2025) was better than expected, with 

 beating by ~3.4% and revenue by ~3.9%. Investors should track patent cliffs and new launches—these drive revenue and margins (see 

). In its updated shape, $JNJ looks more predictable and closely tied to core healthcare demand; investor site:

The home improvement retailer went through high volatility due to mortgage rates and a cooler housing market, but showed signs of stabilization in 2025 (see 

). Results improved: in the last reported quarter (ended July 31, 2025) 

 came in ~2% above expectations and revenue was about in line. Lowe’s keeps pushing into pro customers, improving online, and running tighter inventories, which helped margins and steady cash flow. The company 

 about $4.80 per share a year (roughly 2.1% yield), quarterly, with the next ex-dividend date on Jan 22, 2026. Over the last year it earned about $12.19 per share; the street expects about $12.48 over the next year. The stock trades at about 19× last year’s earnings (also ~19× on next year’s), and it moves roughly like the market (beta ~0.88). Key drivers remain same-store sales and mortgage-rate sensitivity; as housing normalizes, there’s still room to improve (see the latest

). $LOW fit for those seeking exposure to the long remodeling cycle in the U.S.; see also 

A distributor of auto parts and industrial components, GPC benefits from steady demand as cars get older and still need maintenance (see 

). The company keeps adding locations, improving logistics, and moving orders online—supporting sales and profits (see 

). Today it pays about $4.12 per share each year in 

, quarterly, which is around a 3.25% yield. The next ex-dividend date is December 6, 2025. Over the last year, earnings were about $5.81 per share, and the next year is expected around $8.45. The stock trades at a price-to-earnings ratio near 21.8 on last year’s earnings (about 15 on next year’s), and moves less than the market (beta ~0.77). In the most recent quarter (ended Sept 30, 2025), results were a bit better than expected—earnings beat by ~1% and revenue by ~1%. For a dividend portfolio, $GPC is a straightforward, steady payer with a simple business model; see also 

Dividend Kings won’t suit everyone, but their long history of raising payouts often reflects durable businesses worth owning. A few main reasons:

 • They can be a strong component of retirement portfolios or a tool for investors seeking reliable income.

 • Many of these stocks offer higher dividend yields than the average S&P 500 company.

 • Consistency in paying and increasing dividends can be reassuring for investors who live on portfolio income.

Start with a clear goal and time horizon. Decide whether you want payouts for regular income or long-term growth through reinvestment. Dividend Kings are companies that have raised payouts for many decades; major publications and research services maintain lists and explanations.

 • Dividends covered by cash (payout to FCF). 

Look at the share of free cash flow used for dividends. If it’s no more than ~60–70%, the company has room for investment, debt service, and downturns. Near 100% is a warning: any cash dip puts the payout at risk.

Investors want a business that isn’t shrinking. If revenue and operating profit don’t fall for 2–3 years in a row—and ideally grow—that’s a healthy sign. A long downtrend is a cue to trim.

Strong businesses keep margins steady or gradually improving. Big quarter-to-quarter swings often signal weak pricing power or cost control. Stable margins = more predictable cash for dividends.

Debt should be manageable: interest easily covered by earnings, with no major maturities looming in the next 1–2 years. That reduces the odds of dividend cuts in volatile markets.

If you want profits that turn into cash: FCF close to net income, with working capital (inventory, receivables) not ballooning without good reason. Paper profits without cash are a weak base for payouts.

 • Capital structure without persistent dilution. 

The share count shouldn’t creep up year after year due to heavy stock-based comp or issuance. Buybacks only count if the share count actually goes down.

Compare dividend yield and cash yield (FCF yield) to the company’s own history and its sector. If yields are much lower than usual and multiples (P/E, EV/EBITDA) are higher without clear justification, you might be paying for the story rather than future cash.

Pick specific Kings and set your own weights. Best for investors ready to review quarterly reports, monitor FCF coverage, margins, and debt. Pros: control and the ability to fine-tune yield and sector risk. Cons: time and discipline. A practical start: 10–20 names across sectors, position limits, and regular rebalancing.

One purchase gives a basket of reliable payers with long raise streaks. Pros: diversification, simplicity, time savings. Cons: fund fees and less flexibility. What to check: selection methodology, expense ratio, payout frequency and stability, and top-holding concentration.

If you want a simple, dependable base, start with a fund. If you want to fine-tune yield and structure, add individual stocks on top. This blended approach balances simplicity with control.

Don’t pile into one or two holdings. Spread positions across sectors and review monthly or quarterly. If payout coverage or leverage worsens meaningfully, adjust the weight.

Even Dividend Kings can be volatile. Dividends add to total return, but they don’t guarantee against drawdowns.

Dividend Kings aren’t quick trades—they’re a foundation for the long term. Companies that have raised payouts for 50+ years usually get through crises thanks to steady cash flows and disciplined finances. Amid market swings and shifting inflation, they often show steadier performance and help smooth portfolio drawdowns, as noted by outlets that track this list.

But the approach still requires selectivity: a reliable dividend doesn’t replace checks on growth, leverage, and a sensible price. 

The Kings list is a strong base for long-term income, but it works best with your own analysis and periodic rebalancing aligned with rates, inflation, and your risk tolerance.

Tell me which of these securities you hold and why you added them to your portfolio?

Dividend Kings 2025

Market corrections always feel dramatic in the moment. Headlines turn red, charts dip sharply, and social media fills with panic. But behind the noise, history is simply repeating itself: valuations were stretched, speculation was overheating, and the market is now pulling back in a very normal, very predictable way.

This is simply the price of admission for long-term investors.

Today’s volatility isn’t a threat — it’s an opportunity. And if you understand what’s happening beneath the surface, this moment becomes one of the best wealth-building windows we get in any given year.

Here is a clear, calm strategy for navigating this chaotic market, covering exactly how I’m allocating capital across stocks, ETFs, and crypto.

1. Why the Market Is Falling (And Why It’s Healthy)

 we are selling. The current sell-off is being driven by three major forces:

This is not a structural crash. It’s a reset. Corrections force the market to eliminate over-leveraged positions, meme speculation, and unrealistic growth projections. These moments are where the "dumb money" sells and the "smart money" quietly accumulates.

2. Stocks I’m Buying During This Correction

While many run from volatility, I use it to focus on three specific groups of equities.

These companies remain the foundation of long-term portfolios. When great companies drop 10–20% in a correction, that’s a gift. I am looking at:

These giants have global scale, immense cash flow strength, and dominant moats. They aren't going anywhere.

When the economy slows, boring becomes beautiful. I am adding to sectors that shine when fear is high:

These stocks offer stable dividends and low volatility, acting as an anchor for your portfolio.

Because of the rotation out of high-growth tech, value stocks are finally attractive again. I am looking at sectors trading below historical P/E levels:

For those who prefer broad exposure over single-stock risk, here are the ETFs I’m adding during this dip.

These are perfect for protecting purchasing power and reducing volatility:

For investors who want cashflow even when markets go sideways:

If you don’t know what to buy, buy the market. These are perfect for long-term dollar-cost averaging:

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Just like in previous notes, I stay away from leveraged ETFs, most YieldMax funds (due to NAV erosion risk), thematic ETFs without real cashflow, and anything driven purely by meme hype.

Crypto is falling for similar reasons as stocks: miners selling after the halving, slowing ETF inflows, and tightening global liquidity. Structurally, however, nothing has changed.

Bitcoin remains the strongest asset in the space. It is trading above its 200-day moving average, and the supply shock from the halving is still playing out. Dips here are historically the best long-term buys.

ETH remains the go-to for adoption and developer activity. Plus, the staking yield effectively turns it into a cashflow asset.

For high-conviction momentum plays, I am looking at 

Don't underestimate the power of cash. Holding 

 earning 5–8% via reputable custodians is a smart place to park capital during high volatility.

Strategy beats prediction every time. Here is my system for corrections:

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Corrections separate emotional investors from strategic investors.

Most people panic. Most people sell low. Most people freeze.

But the investors who build lasting wealth do the opposite: They buy quality when fear is high. They accumulate while prices are discounted. They understand that volatility is opportunity.

This is one of those moments. High-quality stocks, strong ETFs, and solid crypto assets are finally available at reasonable prices again. This is where long-term wealth is built — not during the hype, but during the fear.

🔥 The Dip Is Here: My Buying Plan for Stocks, ETFs & Crypto

The truth? Most high-yield options ETFs slowly liquidate your capital while paying you back your own money and creating a taxable event.

I've been writing about this problem in the US market using my [5-part framework] for identifying sustainable options-based ETFs.

But here's what European investors need to know:

And I've identified 16 European options-based ETFs that pass the most critical test: Zero NAV erosion.

These funds deliver income while maintaining or growing their net asset value. That's the difference between building wealth and slowly going broke.

Let me show you the math that changes everything.

This is why NAV erosion is the silent killer of income portfolios.

In my previous article on US options ETFs, I laid out my 5-part framework for avoiding yield traps:

These principles don't stop at the Atlantic Ocean.

They apply to UCITS funds, European ETFs, and any options-based product globally.

The 16 European Tickers With Zero NAV Erosion

These European-listed funds have demonstrated they can generate income without structural decay:

 Income Shares seem to be leading the way since the strategy in the option-based ETPs space for Europe as you can tell above.

What Separates These From The Wealth Destroyers

The difference between zero-NAV-erosion funds and the traps comes down to options strategy mechanics.

Blending Juicy Yield with Stable NAV

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