ETF Challenge

I find myself arguing with people all the time about the best stocks and etfs that are the best for set it and forget it that will get you the biggest dividends, but also grow your account more as well.

Here is the GIANT issue I have with it. Lets be honest here, Pre-Covid, retail investors were few and far between. But since then they have exploded. Also at the same time, there were a lot of people dipping their toe into investing in Ctypto years ago that have since moved to stock and futures. That’s one of the reasons why I feel idiots who pump XPR crypto are morons. That shit is never going to hit $5 a coin, let alone the $100 those idiots think. You can make bullshit graphs all you want, but fact remains that they add another billion coins per month, diluting the price, and a huge amount of the inflows have moved to stuff like stocks, futures, options, gold, and forex. You need close to a $1 trillion of inflows to get XRP to $10 a coin, which is NEVER going to happen, you’re going to be lucky to get $100 million a year, which won’t even cover the cost of the new coins. But I digress, even crypto shit.

When it comes to stocks and etfs, there are 2 things, that absolutely piss me off.

First is the amount of absolute charlatans selling courses to people. The fact people buy these crush my soul. Think about it, is these people were REALLY sitting over charts and building out plans all week, do you REALLY think they would be able to post constant content online, doing who knows how many hours or recording, followed by a shit ton of editing to get their posts up? No, they don’t have 50 hours a week to make content while also sitting there digging in charts 12 hours a day. They are driving that Ferrari because you idiots pay them $200 a month for their content, which is literally nothing but pulling info from Reddit.

When it comes to this stuff, one of my biggest issues is how much they are actually hurting people. It kills me. OK. I’m a very profitable trader. But there are a few things here. First off, I don’t have time to waste spending dozens of hours a day to make you content. And Second, most importantly, I’m not going to tell you what my strategy is, because if 1000s of people start doing it, the market will adjust, and it will become unprofitable pretty damn quick.

Actually, I take that back, there is a 3rd thing that pisses me off.

If you watch Youtube videos, or god forbid pay to take classes. None of these people are actually giving you some sort of new strategy. They are just repackaging shit that has been around for 30 years.

I’ll admit, ORB is pretty profitable. But you don’t need to PAY to do it. It’s pretty goddamn simple. Mark out the first 15 minute candle high and low. Wait for it to break above or below on the 1 minute. Wait for it to retest. If it bounces up, then buy calls if it goes down, buy puts if it goes down. That’s it. No need for a 5 hour class that costs $500.

All of the “strategies” are regurgitated stuff from 20 years ago. And this is what pisses me off when it comes to the “set it and forget it” funds. There have been A SHIT TON of new ETFs in the last few years that are total set it and forget it funds where you will make a ton of money. There are things like SMH and DRAM that will make you a mint, yeah they are going to have ups and downs, but in the long run you’re going to print.

But the problem is, to me, which pisses me off, is there are just a metric ass ton of content creators of Instagram and tiktok who basically did nothing but read a book from 20 years ago and pimp the shit out of things that are absolutely going to destroy your portfolio.

First is Reality Income, ticker O. I fucking hate this fund. They are a dividend “aristocrat” because they have increased their dividends over 100 quarters. Sure, it sounds “nice” that they keep increasing their dividends. But they fail to mention most of these increases, like the are one are 5 one hundredth of a cent. We’re not talking 5 cents, where if you had 100 shares would be $5. It’s 5 one hundredth of a cent. So if you had a 100 shares, your dividend increase is 5 cents. That’s it. Meanwhile the stock itself is a turd. This stock will only work when we are in a super good economy. With crazy low interest rates. They make their money off property investments. Back in 2015 when the interest rate was ZERO it made a ton of money. The stock never did much, but their dividend yield was around 18%. Flash forward to now days when the interest is around 4%. That means they are losing money on all their investments

In The last 5 years, the share price had dropped 3% and they went from a 13% yield down to a 5% yield. The dividends don’t barely keep up with NAV erosion. If you invested $10,000 into it 5 years ago even doing DRIP for dividends. You would have $10,386. Pathetic. And also 5 years ago you would have gotten $108 month in dividends. Now you would get $41

All these content creators keep telling you how great it is, when they are working off shit that is 20 years old.

Second thing is SDHC. One of the biggest ETFs there it. I tried to run a script and there are 18,922 tiktock and 83,518 instagram accounts that have posted things telling you to invest in SCHC since Feb 1st. There are literally thousands of youtube channels telling you that if you want to be a millionaire invest in SDHC.

This fund is a turd that only managed to hit a home run during covid. Its mostly consumer staples. So when everything crashed during covid, this stayed pretty straight.

Is it a shitty fund? No, because it will comfort the loss during a huge draw down.

But is it going to make you wealthy in the long run? Not a goddamn chance.

The thing is, it’s great in a bear market, because it barely moves. But the thing is, when there is a bull market, it makes basically nothing. In the last 5 years, it has made 27% total. For 5 years. Meanwhile if you just bought the S&P, something like SPY it went up 73%

People talk about it because of it’s dividend yield. Which like Reality Income, was Nice……. 20 fucking years ago. Their dividends are all over the place, and last week they just lowered the dividends for next quarter. The yield itself is only 3.24%. Again, these “content creators” are stuck regurgitating things from 10-20 years ago. 10 years ago the dividend yield was 13.8% which was nice.

You CANNOT listen to any of these idiots online.

To prove my points. Today I am going to put $800 into 4 different funds. And every day few days I will track the progress. I’m not putting a dime into O because that’s just ridiculous, it’s a guaranteed loss.

SPYI

QQQI

SCHD

VTG

All dividends will be DRIP

Lets see where we end up after a month, 3 months, a year. I’m pretty sure I know which one will be the highest (SPYI) and which one will be the lowest, by far (SCHD)

But I might be wrong, who knows, maybe I have no idea what I’m doing, but I’m going to put my money where my mouth is.

Update 6: 7/20/2026

The markets are all over the goddamn place because of the Orange Moron. Every time he tweets something the markets react but he will sent one tweet at 9:30am but then send another at 1pm that contradicts it. This war nonsense is totally manipulating the markets. You have no idea if you want to go long or short because he can stop it in it’s tracks in seconds. As someone who has been doing stock trading for almost 30 years, I hate this. When trump isn’t in office, you can trade off price action, and RSI and VWAP. But now days you can’t because a single stupid tweet can kill you. He is an absolute killer. This would be the easiest challenge ever without him. But his dumb shit can KILL the Nasdaq in seconds. But will never make it good, I’m dreading my Nasdaq investments. Any How here is the latest numbers

The Results:

SCHS: $5,871.17 ( + 1.22% )

SPYI: $5,757.97 ( – 0.7%)

VOO: $5,723.95 ( – 1.31%)

VTI: $5,722.82 ( – 1.33% )

QQQI: $5,640.24 ( – 2.75%)

MSFT: $1,042.44 ( + 4.24% )

IWMI: $1,005.86 ( + 0.59%)

DIA: $990.31 ( 0.96%)

META: $965.17 (- $3.4%)

TOTAL: $32,719.93 ( – 0.99% )

Update 5: 7/19/26

Every investor too it right in the goddamn nuts end of last week. The Orange Moron blowing shit up in the middle east cause the entire market to tank. And for Oil prices to spike. IT was not good. This whole thing is going to be difficult while that dipshit is in office because he is clearly manipulating markets. Then the whole thing this weekend where he is now doing to sell access to his Truth Social posts early to banks is the definition of insider trading. Every time. Every Goddamn time he puts out a tweet, the market drops instantly. But now Banks will know those tweets early, so they can short things before hand, which is going to eat regular traders stop loss. You put in a 1% stop loss like most responsible traders do, that can get stopped out in 2 seconds, you sell your shares for a loss. The banks buy them at a discount, then they go back up and you miss the gains. This is why for this I’m just holding stuff. If it drops 10% so be it. It will recover eventually, but I am not going to lock in a realized loss. Which my losses right now are pretty big, outside of SCHD, because the Nasdaq got obliterated on Friday. But I also do have dividends coming up. The other thing is, statistically, every mid term election year, for the last 30 years, July has been the worst month of the year and has been down every single time. But then recovers in August every time except once. I’m still pretty confident that the $33,000 will be at least $36,000 by the end of the year. Especially with Dividends coming up soon.

The New Results

SCHD: $5,907.02 ( + 1.85% )

SPYI: $5,759.05 ( -0.69% )

VTI: $5,726.25 ( -1.27% )

VOO: $5,724.70 (-1.30%)

QQQI: $5,628.89 ( -2.95%)

MSFT: $1,022.73 ( + 2.27%)

IWMI: $1,010.04 ( + 1.04%)

DIA: $993.92 ( – 0.61% )

META: $961.53 ( – 3.85%)

TOTAL: $32,734.13 ( – 0.99% )

Update 4: 7/15/2026

I did some final rebalancing for the funds I’m going to use for this challenge. I dumped 2 high dividend YeildMax accounts CHPY and AMDY. This are super high dividend paying accounts, that pay monthly dividends, with a ridiculous yield of like 50% or more. IT sounds fantastic, but trust me, it’s not. And I knew it wasn’t. There is no Money for nothing (or Chicks for free). These bonkers dividends come with a huge caveat. For what you receive in dividends, you sacrifice in both limiting upside, AS WELL as giant NAV erosion. After a week in, they were down 5.2% and 6.1% and that was with getting the first round of dividends. Like I said, I knew these were dividend traps for idiots, and they were bad going in, but didn’t think they were THAT bad. Even though this account is just a play account for me, I’m not going to knowingly and willingly lose money just to prove a point. They have been replaced with IWMI (which is a Russel 2000 Fund) and DIA (which is a Down Jones fund). A lot of Semiconductor stocks took a bit of a hit today so that hurt the Nasdaq. Again that stuff can only go so high. Today old school Tech had a nice run, so S&P and Small Caps had a good day.

The New Results

SPYI: $5,825.10 ( +0.43% )

VTI: $5,808.53 ( + 0.14% )

VOO: $5,808.15 ( + 0.14% )

SCHD: $5,799.46 ( – 0.01%)

QQQI: $5,767.23 ( – 0.56% )

MSFT: $1,030.39 ( + 3.04% )

IWMI: $1,024.10 ( + 2.10% )

META: $1,016.75 ( + 1.68%)

DIA: $1,005.30 ( + 0.53% )

TOTAL: $33,085.01 ( + 0.26% )

Update 3: 7/13/2026

Blood bath in the markets today because the Orange retard had to send out stupid tweets over the weekend. Inflation numbers come out tomorrow, and there has been a massive sell off in Semiconductors. Glad I cashed out my Nvidia last week to lock in the profits because it went down like $8 a share today. But with the Semi’s so goes the Nasdaq, and to a smaller extent the S&P and most things in the tech sector. The ones of the funds that carried the weight today were SCHD (I still think it will finish towards the bottom in this test when it ends a year from now) and Microsoft. QQQI since it’s the Nasdaq got kicked in the nuts. And Chpy since it’s ONLY semi’s really took it on the chin.

The New Results

SCHD: $5,838.86 ( +0.67% )

SPYI: $5,778.54 ( -0.37% )

VTI: $5,762.47 ( -0.64% )

VOO: $5,758.84 ( -0.71% )

QQQI: $5,717,67 ( -1.42% )

MSFT: $1,011.59 ( + 1.16% )

META: $981.19 ( – 1.88% )

AMDY: $971.07 ( – 2.89% )

CHPY: $958.40 ( – 4.26% )

TOTAL: 32,778.63 ( – 0.67% )

Update 2: 7/11/2026

So I had a position in Nvidia where I had 100 shares with a cost basis of $135. The stock hit $210 this week, so I sold it to lock in the profits. That have me around $20,000 extra left to play with it. So I increased my positions in this test. By a Lot. By $5,000 and a few $1000 ones

My New Positions are:

QQQI – $5800

SPYI – $5800

VTI – $5800

SCHD – $5800

(Added) VOO – $5800

(Added) AMDY – $1000

(Added) CHPY – $1000

(Added) MSFT – $1000

(Added) META – $1000

The Results thus far

QQQI: $5,829.18 (+ 0.5%)