What if I told you there are two ETFs paying over 12% a year, sending cash into your account every single month, and still growing your portfolio?
Sounds fake?
That’s exactly what most investors thought too.
But today, QQQI and SPYI are quietly rewriting the rules of income investing — and if you understand how they work, it could completely change how you build wealth.
Let’s break it down.
💸 $1,200 a Month… From ONE ETF?
Imagine investing $100,000 and collecting over $1,200 every month — that’s $14,000+ per year.
Even better?
👉 These payments are not immediately taxed like normal dividends.
Yes, you read that right.
By the end of this article, you’ll know:
Which ETF fits your risk profile
How they generate insanely high income
Why most investors still don’t understand this strategy
🚀 How Two “Rookie” ETFs Beat the Old Giants
Back in January 2024, income investors were stuck earning 3–5% yields.
Then came QQQI — a brand-new ETF nobody took seriously.
Fast forward just 18 months:
Nearly $4 billion in assets
Industry awards
One of the most talked-about income ETFs today
Its older sibling, SPYI, launched in 2022, laid the groundwork — and together, they now manage $8.7 billion+.
This isn’t hype.
This is a structural shift in income investing.
🏆 QQQI vs SPYI: The Ultimate Income Showdown
🔥 QQQI – The Income Beast
14.56% annual distribution
Monthly payments
Latest payout: $6.36 per share
Tech-focused (NASDAQ 100)
💡 A $10,000 investment ≈ $1,456 per year, paid monthly.
This ETF thrives on big tech dominance — Nvidia, Microsoft, Apple — while extracting income using advanced options strategies.
🛡️ SPYI – The Stability Champion
12.05% annual distribution
Built on the S&P 500
Broader diversification
Lower volatility
💡 A $10,000 investment ≈ $1,205 per year.
Perfect for investors who want consistent income without heavy tech concentration.
🧠 The Secret Weapon: Return of Capital (ROC)
Here’s what most people don’t understand 👇
QQQI: ~100% Return of Capital
SPYI: ~98% Return of Capital
What does this mean?
👉 No immediate tax on your monthly income.
👉 Taxes are deferred, often at lower capital gains rates later.
Compare that to traditional dividends where taxes hit you immediately.
This is why serious income investors pay attention.
📊 Performance That Backed the Hype
QQQI
+30.5% since launch
+20.3% last year
SPYI
+45.9% since launch
+14.5% last year
Both outperformed their benchmarks, even after paying massive income.
⚙️ How They Actually Generate the Income
These are not basic covered-call ETFs.
They:
Write out-of-the-money call spreads
Keep 10–25% of the portfolio uncovered
Actively adjust strategies based on volatility
Think of it as having a professional options desk working for you 24/7.
🎯 Which ETF Is Right for You?
Choose QQQI if:
You believe in long-term tech dominance
You can tolerate higher volatility
You want maximum monthly income
Choose SPYI if:
You want diversification across all sectors
You’re closer to retirement
You value stability with strong income
💡 Many smart investors use both.
⚠️ Let’s Be Honest: The Risks
Yields are not guaranteed
Lower volatility = lower option premiums
Market crashes still affect prices
Tax rules can change
These ETFs are powerful — but only if you understand them.
🧾 Bottom Line
QQQI and SPYI represent the future of income investing:
High monthly cash flow
Smart tax treatment
Growth + income combined
This is boring, disciplined, brilliant investing.
📈 Want to Buy QQQI or SPYI Easily?
I personally use moomoo, a powerful trading platform with:
Access to US ETFs
Advanced charts & tools
Beginner-friendly interface
👉 Open your moomoo account here:
🔗 https://j.moomoo.com/0xFRE4
Start building monthly income the smart way.
💬 Your turn:
Are you Team QQQI (higher income) or Team SPYI (diversified stability)?
Comment below & share this with a friend who needs better income strategies.
📌 This content is for educational purposes only. Always do your own research before investing.
