The TRUTH about Retiring Early with QDTE and XDTE
Summary
TLDRDas Video gibt einen umfassenden Überblick über die wöchentlich Dividenden zahlenden ETFs QDT und XDT von Roundhill. Der Autor betont, dass diese ETFs von vielen als 'Wunder' angesehen werden, jedoch auch Risiken bergen, wie etwa unbeständige Dividenden und höhere Verwaltungskosten. Er diskutiert sowohl die Vor- als auch die Nachteile dieser ETFs, hebt die potenziellen Renditen hervor, warnt jedoch vor übermäßiger Abhängigkeit von unbewiesenen Produkten. Letztendlich rät er zur Vorsicht und betont, dass diese ETFs eher für Einkommensinvestoren geeignet sind, während junge Investoren sich auf Wachstum konzentrieren sollten.
Takeaways
- 😀 Weekly Dividenden-ETFs wie QDT und XDT haben viel Lob erhalten, aber bergen auch Risiken.
- 🤔 Es ist schwer, alleine durch wöchentliche Dividenden in den Ruhestand zu gehen, da die Dividenden unbeständig sind.
- 💡 Wöchentliche Dividenden ändern das Spiel nicht wesentlich – sie erleichtern den Cashflow, aber langfristig zählt die Gesamtperformance.
- 💸 Diese ETFs haben höhere Verwaltungskosten aufgrund des Optionshandels, was zu einer etwas höheren Kostenquote führt.
- 📉 Es gibt keine Garantie für Dividenden – ETFs oder Unternehmen sind nicht verpflichtet, Dividenden zu zahlen.
- ⏳ Da die ETFs erst seit 6 Monaten bestehen, ist ihre Langfristigkeit und Nachhaltigkeit ungewiss.
- 📊 Die Strategie der ETFs umfasst den Handel mit Optionen, einschließlich des Schreibens von gedeckten Kaufoptionen, was sowohl Chancen als auch Risiken birgt.
- ⚠️ Anleger sollten sich der möglichen NAV-Erosion bewusst sein, obwohl sie bei diesen ETFs bisher gering war.
- 📈 XDT und QDT haben bisher den Markt übertroffen, aber das könnte nicht von Dauer sein.
- 💼 Diese ETFs sollten nur einen kleinen Teil des Portfolios ausmachen, insbesondere für jüngere Anleger, die auf Wachstum setzen.
Q & A
Was sind QDT und XDT ETFs und warum sind sie so beliebt?
-QDT und XDT sind wöchentliche Dividenden-ETFs, die durch Optionshandel Erträge generieren. Ihre Beliebtheit liegt in den häufigen Dividendenzahlungen und den potenziell hohen Renditen von 34-68% pro Jahr.
Was ist das Hauptargument für die Investition in wöchentliche Dividenden-ETFs?
-Das Hauptargument ist der wöchentliche Cashflow, der es Anlegern ermöglicht, häufiger Dividenden zu erhalten, was besonders aus einer Cashflow-Perspektive attraktiv ist.
Welche Nachteile werden in Bezug auf diese ETFs genannt?
-Zu den Nachteilen gehören schwankende Dividendenzahlungen, ein höheres Risiko durch den Optionshandel, höhere Verwaltungskosten und die Unsicherheit, ob diese neuen ETFs langfristig bestehen bleiben.
Warum könnten wöchentliche Dividenden nicht so vorteilhaft sein, wie es scheint?
-Obwohl wöchentliche Dividenden für den Cashflow hilfreich sind, ist der Gesamtbetrag der Dividenden oft nicht höher als bei monatlichen oder vierteljährlichen Dividenden. Budgetierung könnte dieses Problem ebenfalls lösen.
Was bedeutet 'NAV erosion' und warum ist es ein Risiko?
-NAV Erosion bedeutet, dass der Nettoinventarwert (NAV) eines ETFs im Laufe der Zeit abnimmt, insbesondere wenn Dividenden ausgezahlt werden. Dies kann langfristig den Wert des Investments schmälern.
Wie funktionieren diese ETFs technisch gesehen?
-Die ETFs nutzen eine Strategie, bei der sie tief im Geld liegende Call-Optionen kaufen und gleichzeitig kurzfristige Calls verkaufen, um Einnahmen durch Optionsprämien zu generieren.
Warum haben diese ETFs höhere Kosten im Vergleich zu passiven ETFs?
-Die ETFs sind aktiv verwaltet und verwenden komplexe Optionsstrategien, was höhere Verwaltungskosten verursacht, insbesondere durch die wöchentliche Auszahlung der Dividenden.
Welche Risiken bestehen bei der Investition in neue ETFs wie QDT und XDT?
-Da diese ETFs erst seit wenigen Monaten bestehen, gibt es ein hohes Risiko, da ihre langfristige Performance und Beständigkeit noch ungewiss sind. Es gibt auch das Risiko, dass die gesamte Position verloren gehen kann, wenn der Markt stark schwankt.
Warum sollten Anleger vorsichtig sein, 'alles' in diese ETFs zu investieren?
-Da diese ETFs relativ neu und ungetestet sind, ist es riskant, das gesamte Vermögen in sie zu investieren. Es besteht die Gefahr, dass sie langfristig nicht so erfolgreich sind wie erwartet.
Wie haben sich QDT und XDT seit ihrer Einführung im Vergleich zu traditionellen Indizes entwickelt?
-QDT und XDT haben den S&P 500 und die NASDAQ-100 seit ihrer Einführung leicht übertroffen. XDT hat eine Rendite von 8,64% erzielt, während der S&P 500 7,44% erreichte. QDT hat 4,92% erreicht, verglichen mit den 3,8% der NASDAQ-100.
Outlines
🧐 Einführung und erste Gedanken zu den wöchentlichen Dividenden-ETFs
Der Sprecher stellt die wöchentlich Dividenden zahlenden ETFs QDT und XDT vor und macht auf den großen Hype um diese ETFs aufmerksam. Die ETFs werden humorvoll als „Wunder-ETFs“ beschrieben, die angeblich das Leben ihrer Investoren verbessern. Er hebt hervor, dass es in den meisten Videos nur um die Vorteile dieser ETFs geht, aber auch Risiken bestehen, da jede Investition potenziell Geldverlust bedeuten kann. Der Sprecher warnt vor zu großen Erwartungen und erklärt, dass die Dividenden nicht immer konsistent sind, was in der Altersvorsorge problematisch sein könnte.
📉 Risiken und Unsicherheiten bei neuen ETFs
Hier betont der Sprecher, dass ETFs keine Garantie für Dividenden bieten und dass gerade neue ETFs wie QDT und XDT ein höheres Risiko darstellen. Die Frage wird aufgeworfen, wie lange solche ETFs überhaupt durchhalten können, insbesondere wenn man auf eine langfristige Altersvorsorge angewiesen ist. Es wird auch kritisiert, dass viele Anleger nur nach der höchsten Dividendenrendite suchen, ohne die Funktionsweise der ETFs wirklich zu verstehen. Es wird auf eine spezifische Strategie hingewiesen, bei der der ETF Optionen nutzt, um kurzfristige Gewinne zu erzielen, die jedoch auch Verluste nach sich ziehen können.
🤔 Funktionsweise der ETFs und strategische Überlegungen
Der Sprecher erklärt detailliert die Handelsstrategie der ETFs, die auf der Nutzung von Optionsgeschäften basiert, die am selben Tag ablaufen. Diese Strategie birgt potenzielle Gewinne, aber auch erhebliche Risiken, besonders bei unerwarteten Marktentwicklungen. Der ETF nutzt „poor man’s covered calls“, indem er tief im Geld liegende Optionen kauft und kurzfristige Calls verkauft, um Einkommen zu generieren. Die Risiken umfassen den vollständigen Verlust bei extremen Marktbewegungen. Der Sprecher kritisiert die Idee, dass einige Anleger ihr gesamtes Vermögen in unbewährte ETFs investieren, und weist auf die Notwendigkeit hin, die potenziellen Verluste zu verstehen.
Mindmap
Keywords
💡ETF
💡Dividenden
💡Rendite
💡Kostenquote
💡Optionshandel
💡NAV-Erosion
💡Ruhestand
💡Aktive Verwaltung
💡Cashflow
💡Risiko
Highlights
The speaker introduces two Roundhill ETFs, QDT and XDTE, known for weekly dividend payouts and their potential high yields.
The speaker humorously exaggerates the benefits of the ETFs, joking that they are so powerful they can 'grow your hair back' and 'stop your wife from cheating.'
The speaker points out a common misconception: these ETFs are being promoted as a quick path to retirement, but this is misleading due to inconsistent dividend payments.
Weekly dividends are mentioned as a key selling point, but the speaker argues that frequency alone doesn't matter much compared to actual yield and budgeting strategies.
The speaker highlights the higher expense ratios of these ETFs due to their actively managed structure, which includes options trading and administrative work.
A critical point is made about the ETFs being unproven, with only a six-month track record, making it risky to invest life savings into them.
A detailed explanation of the options trading strategy is given, explaining how the ETFs write covered calls on zero-day expiration options to generate premiums.
The speaker warns about the potential risk of the entire position being lost if the index falls below the strike price of the options.
Nav erosion, or the gradual decline in the ETF's net asset value, is mentioned as a possible downside, though it hasn’t been significant so far.
The speaker discusses the appeal of algorithm-based ETFs but cautions that algorithmic trading may lack the emotional or strategic decision-making of human traders.
Comparisons are made between QDT/XDTE and other ETFs, noting that their unique options strategy sets them apart in the crowded income ETF market.
Despite their unique structure, the speaker advises caution and suggests these ETFs should only form a small part of a diversified portfolio, especially for younger investors.
Performance metrics are provided, showing that XDTE has slightly outperformed the S&P 500 (SPY) since its launch, and QDT has outperformed the Nasdaq 100 (QQQ).
The speaker reiterates the newness of these ETFs, warning that past performance is no guarantee of future results.
The video ends with an encouragement to engage with a community on Discord and other channels to discuss these ETFs and other income strategies.
Transcripts
all right you already know what it is
it's the update video for the roundhill
weekly paying dividend ETFs qdt and X
DTE so I've heard so much good news
about these ETFs man you think these
ETFs have some sort of superpowers it's
a miracle ETF people are like man I'm
growing my hair back because of these
ETFs my wife stopped cheating on me
because of these ETFs it truly is some
sort of Miracle ETF so I have seen a lot
of videos about these weekly deidan
paying ETFs so today I will be going
over the pros of this ETF I'll kind of
explain how the ETF Works yet again but
then I will also be doing this very
peculiar thing not only will I be giving
the pros but I will I will also be going
over the cons oh my gosh yes it's as if
there are potential downsides to owning
ETFs as with any investment there is a
chance that you could lose your money
all right guys let's go over qte and X
DTE so the first claim that I've heard a
lot of people say is that I'm a retired
tomorrow guys do you really think it's
that easy to retire we have people
working until they're 70 did they not
know that there's this hot new ETF that
pays weekly Deans and can get you 34 to
68% returns or yields every single year
even though the average S&P 500 return
is only 7 to 10% they must not have
known about this miracle ETF all right
guys so you're hoping to retire on these
weekly deidan paying ETFs I think that
would actually be very hard like you
might retire but you're retirement's not
going to last very long for one their
Dividends are not always super
consistent like sure they've been paying
weekly dividends that's great but the
dividend amount has widely varied is
that exactly what you can count on in
retirement hey I don't know if I can pay
this utility bill you see qdt they paid
a little bit less this week guess I got
to go beg for my job at Costco again and
I've seen a lot of people put a lot of
emphasis on the weekly aspect of it it's
great when we have companies that pay us
quarterly dividends and it's also super
nice that we have a lot of ETFs that pay
out monthly dividends but man getting
weekly dividends this does this somehow
change the game well not exactly right
like weekly dividends might be great
from a cash flow perspective right
you're getting paid more frequently but
it doesn't really matter that much right
like if you got paid 30 cents a share
and there's four weeks in the month it
doesn't really make a difference if you
got paid a120 from an ETF or 30 cents
over 4 weeks I mean sure the cash
flowing helps a little bit but it's not
a reason to invest in one ETF or another
you can just do this thing called
budgeting and that way you can actually
budget and have money to pay for all
your living expenses if you just can
control yourself and you know actually
allocate how much money you need for
expenses throughout the month you don't
need to worry about getting paid weekly
or not also getting paid weekly that
means that there's more work for these
funds to do and there's already a lot of
work for them right they're doing
options trading so they're going to have
slightly more higher of an expense ratio
that's more administrative fees to give
you these weekly dividends so in a way
you are paying for them and also keep in
mind these are actively managed right so
that's why you're going to have that
little bit higher expense ratio than
something that just passively owns the
S&P 500 Index or 100 great dividend
paying companies like SCD I've seen a
lot of people hate on some of these
yield Max fund managers like Jay they're
saying hey if you don't start putting
out a fund that pays weekly dividends I
am going to take my business elsewhere
Jay yeah I'm sure they're super
concerned about what some guy on YouTube
is saying in the comments that's manage
their investing decisions so I've
already seen a lot of YouTube thumbnails
and Reddit posts and YouTube comments
saying that they're going all in on xdt
and qdt cuz you know going all in on an
ETF that has been out a whole 6 months
is the best thing that you could
possibly do with all of your life
savings all of life's effort and work
went into making money throughout your
whole lifetime and what are you going to
do you're going to put it in an unproven
ETF that is so smart just remember this
about ETFs or companies right an ETF or
company is never obligated to pay you a
dividend you are not entitled to
anything you are not owed anything the
company ETF cannot pay you a dividend
and that would be totally okay nobody's
getting arrested nobody's getting
indicted because they didn't pay you a
dividend it doesn't matter how much you
cry when a dividend cut happens just
know they don't have to owe you anything
these are still brand new ETFs and that
is definitely a risk also just like how
long is it really going to last you in
retirement like retirement these days is
40 plus years potentially we got people
living way longer nowadays can these
ETFs that have been out a whole 6 months
last you that long in retirement I don't
know something about that just doesn't
up all right let's get into a little bit
more color on how they exactly work now
I know a lot of people when they're
researching these ETFs their
sophisticated investing process simply
goes hey let me filter the dividend
yield by the highest yield and then I'll
just buy that company believe it or not
there's actually a couple more things
that you should be looking at when
analyzing a company or ETF such as you
know how exactly do they work how what
what is their trading strategy I really
want to think diesel of Seeking Alpha
has this article really helped me
research this video as a reminder I am a
proud partner of Seeking Alpha now the
fund will write covered call options on
the day they expire hence the whole zero
day options aspect of this ETF so let's
talk about how this works right so let's
say we start off the day any call
options written will happen after the
Market opens at 9:30 eastern time so if
the market shoots up with a big positive
gain this is beneficial because the fund
is now able to gain some of that upside
overnight or what if the market starts
off super hot then Fades away well
that's actually also good news for this
fund because they got those juicy
premiums so they're getting overnight
exposure to the index that could
potentially allow for some big gains but
that doesn't mean that there isn't some
risk yes you mean getting a 34 to 67%
yield comes with a little bit of risk
well there are also going to be days
when the market doesn't open super hot
instead it opens way in the red and then
it actually does this thing where it
recovers throughout the day then all of
that upside is lost also a major factor
of options trading is time Decay so
generally the further out that
expiration date of the option is the
more premium you get so here when our
options expire on the same day we're not
getting that overnight exposure for the
option all that time Decay gets lost so
potentially we're missing out on that
income from the option but the upside is
we still get some of those overnight
capital appreciation gains the fund is
essentially doing a poor man's covered
call where they are buying an option
contract very far out of the money and
to stimulate ownership of the stock they
write short-term calls against it this
allows the fund to leverage its money
and gain some upside without actually
owning the index but it does come with
some risk if the index went below the
strike price the fund could lose all of
its money now is this likely probably
not it probably isn't going to happen
but when people say I'm going all in on
an unproven ETF I really cringe these
investors will be saying where is my
mind where is my mind so again guys
they're buying deep in the money calls
and they're selling out ofthe money
calls for income purposes they're
getting big juicy premiums that they're
paying out as dividends to us investors
every week you can actually see all
their daily Trad on their company
website as we talked about before what
you talking about risks with these two
roundhill Investments of course with any
sort of investment there is going to be
some risk right some of that upside is
now capped because of the options
trading that we are doing the covered
calls and also there's a small chance
that the entire position can be gone and
then if there's just some big wild
swings especially when the Market opens
every single morning there could be a
chance of the Forbidden word that we all
hate to say but is 100% true and not a
myth nav
erosion nav erosion could happen now the
nav erosion on these two ETFs has
actually not been bad at all when
they're paying out dividends as fat as
these have been I would have expected to
see more nav erosion but that actually
means the ETF is making money so let's
keep this up and then of course the
benefits of owning these ETFs you get
that high weekly income it's a algorithm
based ETF it's passive and that might
actually be a potentially a bad thing
right another thing that people should
keep in mind is that when the best
Traders are doing their options trades
it's not necessarily ran on an algorithm
like there does sometimes need to be
some rationalization some emotions that
are tied into it sometimes the best time
to do options is not based on an
algorithm and it's also just a different
strategy I love this particular sector
just because there's so many income ETF
out there these days and not and I don't
know of a single one that actually does
the same investing strategy there's so
many investing income ETFs out there now
and that's why I love reviewing them cuz
each one is a little bit different and
they all could potentially have a place
in one's portfolio would I go 100% all
in on these income ETFs especially if
you are not anywhere close to retirement
or maybe even under the age of 50
probably not I think for me they only
make up a small percentage of my
portfolio that's because I'm a younger
investor and focusing on growth right
now but that doesn't mean that these two
ETFs can't make you potentially a lot of
money they've actually outperformed the
overall index since they've been out so
xdt will be tracking 500 largest
companies in the US that's the
equivalent to the Spy so spy has been up
7.44% xdt launched in March meanwhile
that particular ETF is up a whole 8.64%
so a $10,000 investment has grown into
almost $10,900 with xdt and then spy
investment is just slightly below that
at
$1,744 now it's the same case with qdt
and the index that it tracks the triple
Q's it's kind of funny that this website
put four Q's instead of three but also
it's not as funny as on QD te's website
they don't want to pay the licensing fee
for using the NASDAQ 100 so they just
call it the Innovation 100 so they have
a total return of 4.92% compared to the
triple or the quadruple cues at 3.8% so
a $10,000 investment for the quadruple
Q's has turned into 10,380 and then for
qdt $10,000 has turned into $10,000
$492 with qdt so again Guys these funds
are still relatively new the
outperformance is there so far but that
doesn't necessarily mean it's it's going
to last forever it probably won't regrow
your hair probably won't stop your wife
from cheating on you but there is a
chance that this could Propel your
portfolio it could line up your pockets
and it could have you check out our
Discord that's where we're having some
great conversations talking about these
income ETFs and other strategies to Grow
Rich make sure you're subscribed make
sure you're checking out the podcast at
the collect cash podcast name let me
know what you think about these two ETFs
in the comments below and I will talk to
you on the next one I got to do a
calculation so ,000 share
$1,000 divide by tesley Cony Misty
divide by three
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