OppenFolio

⚠️ Important Disclaimer

This is NOT financial advice. OppenFolio is a personal investment experiment for educational and informational purposes only. The data presented reflects actual trades but does not constitute investment recommendations or professional financial advice. Investing in ETFs and securities involves substantial risk, including the potential loss of principal. Past performance does not guarantee future results. You should consult with a qualified financial advisor before making any investment decisions. The author is not a registered investment advisor and assumes no responsibility for your investment decisions.

OppenFolio is a public, ongoing experiment in high-yield ETF investing — covered-call funds, equity-income ETFs, and yield-focused strategies in their natural habitat. Every trade and every dividend is logged, and the numbers below update on a five-minute cycle. What makes this site unusual is that returns are reported as total return — capital gain plus dividends received — rather than the price-only number most brokerage statements display. For an income-focused portfolio, the difference is large and material: a position can be down on price and still very much in the green.

Portfolio value
$78,027
Cost basis
$76,764
Holdings
9
Tracking since
2025-04-01
Price return vs. total return
Price return
+1.64%
+$1,263
Change in market value relative to cost basis. The figure most brokerage statements display in the "% return" column.
Total return
+6.88%
+$5,282
Price return plus dividends received plus realized gains and losses.

Holdings where dividends offset price decline

These positions show a paper loss on price alone but a positive total return once dividends received are included. Sorted by largest price decline.

Portfolio Overview

Portfolio Value$78,026.52

Cost Basis$76,763.76

Unrealized Gain/Loss$1,262.76 (1.64%)

Realized Gain/Loss$-3.57 (-0.00%)

Total Dividends Paid$4,022.97 (5.24%)

Estimated Monthly Dividend$497.60

Estimated Annual Dividend$5,971.16

Current Yield7.65% (on value)

Tax-Aware5.36% / $348.32/mo

Total Dividends Paid $4,022.97
Total Return (Incl. Dividends) 6.88% $5,282.16
NAV Decay (Portfolio) 1.31%
Total Yield (on value) 7.65%
Decay-Aware Yield 6.35%
Tax + Decay-Aware Yield 4.51% Est. $293.19/month after tax & decay

Market Sentiment Snapshot

Mood Bullish
Volatility Volatile
Credit Risk Rising
Interest Rates Flat

Barbell Allocation

Symbol Performance & Contributions

Total contribution includes unrealized gains/losses plus all dividends paid to date.

SymbolSharesCurrent Value Gain/LossGain/Loss % Dividends PaidDividend % Total ContributionTotal %
JEPQ 204 $12,160.44 $731.10 6.40% $827.27 7.24% $1,558.37 13.63%
QQQI 75 $4,237.50 $191.49 4.73% $239.54 5.92% $431.03 10.65%
PFFA 554 $12,099.36 $275.90 2.33% $840.94 7.11% $1,116.84 9.45%
SPYI 63 $3,364.83 $83.85 2.56% $154.54 4.71% $238.39 7.27%
DIVO 76 $3,447.36 $88.68 2.64% $154.13 4.59% $242.81 7.23%
JEPI 170 $9,513.20 $-89.32 -0.93% $553.92 5.77% $464.60 4.84%
VRP 505 $12,316.95 $-15.86 -0.13% $539.48 4.37% $523.62 4.25%
JAAA 231 $11,688.60 $-9.59 -0.08% $436.27 3.73% $426.68 3.65%
TFLO 182 $9,198.28 $6.51 0.07% $218.61 2.38% $225.12 2.45%

Monthly Dividends Paid

Portfolio value
$98,522
Cost basis
$107,832
Holdings
17
Tracking since
2025-04-01
Price return vs. total return
Price return
-8.63%
-$9,310
Change in market value relative to cost basis. The figure most brokerage statements display in the "% return" column.
Total return
+3.54%
+$3,814
Price return plus dividends received plus realized gains and losses.

Holdings where dividends offset price decline

These positions show a paper loss on price alone but a positive total return once dividends received are included. Sorted by largest price decline.

Portfolio Overview

Portfolio Value$98,521.54

Cost Basis$107,831.71

Unrealized Gain/Loss$-9,310.17 (-8.63%)

Realized Gain/Loss$-448.75 (-0.42%)

Total Dividends Paid$13,572.96 (12.59%)

Estimated Monthly Dividend$1,325.31

Estimated Annual Dividend$15,903.70

Current Yield16.14% (on value)

Tax-Aware11.30% / $927.72/mo

Total Dividends Paid $13,572.96
Total Return (Incl. Dividends) 3.54% $3,814.04
NAV Decay (Portfolio) 10.88%
Total Yield (on value) 16.14%
Decay-Aware Yield 5.26%
Tax + Decay-Aware Yield 1.38% Est. $113.64/month after tax & decay

Market Sentiment Snapshot

Mood Bullish
Volatility Volatile
Credit Risk Rising
Interest Rates Flat

Barbell Allocation

Symbol Performance & Contributions

Total contribution includes unrealized gains/losses plus all dividends paid to date.

SymbolSharesCurrent Value Gain/LossGain/Loss % Dividends PaidDividend % Total ContributionTotal %
NVDY 350 $4,928.00 $-430.72 -8.04% $1,363.11 25.44% $932.39 17.40%
JEPQ 204 $12,160.44 $731.10 6.40% $827.27 7.24% $1,558.37 13.63%
TSLY 116 $3,635.44 $-995.15 -21.49% $1,505.16 32.50% $510.01 11.01%
QQQI 75 $4,237.50 $191.49 4.73% $239.54 5.92% $431.03 10.65%
PFFA 554 $12,099.36 $275.90 2.33% $840.94 7.11% $1,116.84 9.45%
SPYI 63 $3,364.83 $83.85 2.56% $154.54 4.71% $238.39 7.27%
DIVO 76 $3,447.36 $88.68 2.64% $154.13 4.59% $242.81 7.23%
JEPI 170 $9,513.20 $-89.32 -0.93% $553.92 5.77% $464.60 4.84%
VRP 505 $12,316.95 $-15.86 -0.13% $539.48 4.37% $523.62 4.25%
USOY 117 $990.99 $-59.70 -5.68% $98.80 9.40% $39.10 3.72%
JAAA 231 $11,688.60 $-9.59 -0.08% $436.27 3.73% $426.68 3.65%
TFLO 182 $9,198.28 $6.51 0.07% $218.61 2.38% $225.12 2.45%
YMAX 258 $2,249.76 $-1,151.08 -33.85% $1,037.39 30.50% $-113.69 -3.34%
ULTY 200.0 $6,406.00 $-3,542.87 -35.61% $3,048.12 30.64% $-494.75 -4.97%
PLTY 17 $589.90 $-368.56 -38.45% $217.98 22.74% $-150.58 -15.71%
CONY 22 $598.18 $-1,215.70 -67.02% $659.64 36.37% $-556.06 -30.66%
MSTY 41.0 $1,096.75 $-2,809.15 -71.92% $1,252.34 32.06% $-1,556.81 -39.86%

Monthly Dividends Paid

From the journal

Long-form writing about the portfolio, the strategies it tests, and the markets it lives in.