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4 ETF Portfolio that pays $5000/ month $467,000 Here's $467,000. In many U.S. less than MEDIAN-PRICED HOME $467,000 of a median priced home. And yet, MATH $467,000 $47,000 = $150 $56 (400) = $60.00 I = (1/2)^2 L = $1 -12-(5) Total Here's $467,000, split across four specific ETFs could generate around $5,000 single month without single share. Most income strategies at that scale owning property, into or building a bond ladder keeps up with inflation. These four ETFs do They're publicly traded, and pay monthly. STICK WITH ME understanding. with me. THE FOUR HORSEMEN PORTFOLIO BY MICHAEL BROWNSTEIN we're the Four portfolio, originally from my trading for ETFs. One clear strategy, one clear gol Serious income require you cannibalize principal to get it. The tickers are GPIQ, QQQI, TDAQ and OVL. By the end of this, exactly how each one and how the math actually at different levels. LET'S GET INTO IT into it. Quick note we start. EDUCATIONAL ONLY educational content only. It's not financial advice. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. performance guarantee results. Always do and consider talking financial DECISION. THE PROBLEM? Here's traditional 4% RULE traditional planning you build up a portfolio. You follow the 4% rule, 30 YEARS 4% per year, lasts on a $1 $40,000 A YEAR $1,000,000 PORTFOLIO portfolio, $40,000 about $3,300 A MONTH For a lot of people, NOT ENOUGH enough. a deeper PRINCIPAL DRAWS DOWN BASE The 4% rule works by drawing down principal. withdrawal erodes the base. MARKETS COOPERATE If markets cooperate, you're fine. If they don't at the wrong time, COMPLICATED FAST complicated fast. THE FOUR HORSEMEN NOT SELLING SHARES principle entirely. Instead of selling to generate income, distributed directly from the ETFs themselves. Your principal stays intact. Your potential growth potential stays intact. You're living Not cutting down the tree. ETF #1: GPIQ GPI cue. Goldman Sachs Nasdaq-100 Premium Income ETF Name Class Common Shares Symbol GPIQ CUSIP 38149W630 The first ETF is GPI. Sachs Nasdaq 100 Premium Income ETF. OCTOBER 2023 GPIQ It launched 2023, and the strategy behind understanding clearly. NASDAQ-100 H1 2024 GROWTH: +14.5% GPI Q Nasdaq 100 STOCKS DYNAMIC COVERED CALL OVERLAY BUY SELL STOCKS a dynamic call overlay on top of it. 25% 75% Goldman's team sells on a portion portfolio, from 25% to 75%, depending on conditions. TECH STOCKS BULLISH When tech are trending they pull the calls more upside flow through. MOMENTUM SLOWS When momentum slows and the market is ranging they sell premium to maximize income. The result is a distribution currently around 9.8%, with a one year total return approximately 23.6%. Fund Characteristics Fees & Expenses PB Ratio 24.88 Net Expense Ratio 0.29% PB Ratio 9.37 Gross Expense Ratio 0.35% Weighted Average Market 1,604.28 USD The expense is 0.35%, works out to about $35 per year $10,000 INVESTED $83 COST PER YEAR per $10,000. That's and it's worth comparing against what getting in Given that T Dak is also the newest fund it has the least track record. if you're into a portfolio is worth factoring in alongside HIGH YIELD YOU WORTH FACTORING IN the yield. ETF #2: QQQI QQQI. QQQI - NEOS NASDAQ-100 HIGH INCOME ETF The Neos 100 High Income ETF. This one's a real in the income ETF space. NASDAQ-100 YEAR QQQI I also tracks Nasdaq 100. But there's a structural that matters. Neos writes its options on the NDX index itself, rather than individual stocks. That qualifies them as SECTION 1256 CONTRACTS under U.S. tax law, which means gains are taxed 60% as long term and 40% as short term, regardless you've held the ETF. in a taxable account. That's a genuine ADVANTAGE BROKERAGE ACCOUNT comparable call funds. On top of that, the majority of QQQI distributions historically classified of capital, TAXES DEFERRED UNTIL SALE TAXES FORM 1040 which further defers taxes eventually sell. TRAILING YIELD 13.8% 14% 14% The distribution yield is around 13.8 to 14%, trailing, has crossed $13.1 BILLION AUM this is a mainstream product at this not a niche experiment. It won Best New Active ETF at the 2025 ETF.COM AWARDS APPROX. 20% 1-YEAR TOTAL RETURN 20% 1-YEAR TOTAL RETURN A genuinely unusual derivative overlay fund. One moment knowing in 2022, when the S&P 500 trend ROUGHLY 18% DROP S&P 500 OVL AROUND 22% FALL The put SPREAD SOME BUFFER, NOT FULL PROTECTION strategy provided some buffer, but not full protection. It's not defensive a return enhancer with mild downside mitigation. It still moves market. market. $10,000 $79 COST PER YEAR 0.79% about $79 per $10,000. WHAT THIS PORTFOLIO REQUIRES Now let's portfolio requires. GPIQ 9.8% QQQI 13.9% TDAQ 17.4% OVL 10.3% 4 ETFs | 3 STRATEGIES 2 INDEXES 12.85% YIELD IQ at 9.8%, QQ at 13.9%, at 17.4%, and Oval at 10.3%, blend to a combined average yield APPROXIMATELY 12.85% TARGET MILESTONE CHART $467,000 INVESTED $5,000 PER MONTH RECURRING CASH FLOW $467,000 to reach $5,000 THE MATH GPIQ at 9.8% generates approximately $11,440/year QQQI at 13.9% generates approximately $16,228/year TDAQ at 17.4% generates approximately $20,315/year OVL at 10.3% generates approximately $12,025/year Total: roughly $60,008 per year - or just over $5,000 per month. $11,440 per year. at 13.9%, approximately $16,228 per at 17.4%, approximately $20,315 per year and oval at 10.3%, approximately $12,025 per year. Total $60,008 per year, just over $5,000 per month. And if you're not starting near 467,000 $50,000 invested -> approximately $535/month $100,000 -> approximately $1,071/month $250,000 -> approximately $2,677/month $750,000 -> approximately $8,031/month $50,000, approximately $535 per $100,000, approximately $1,071 per month, $250,000, approximately $2,677/month $750,000, Approximately $8,031 per month. START WITH ALLOCATION SIZING to think act on allocation. CORE-SATELLITE APPROACH CORE VOO/QQQ DEDICATED SLEEVE FOR INCOME ETFs Many a core approach. A large core focused holdings like VO or QQQ with a sleeve generating like these. Deciding WHAT % OF PORTFOLIO? of your portfolio putting here is the first real decision. Think about TAX LOCATION Taxable Brokerage Account Statement QQQI Section 1256 treatment section 1256. She's relatively efficient account and TDAQ RETURN OF CAPITAL OVL TAX ADVANTAGES classifications tax exploring holding an IRA. TAX LOCATION STRATEGY STILL WORTH KNOWING NO TAX LOCATIONS FROM SABILE SUPERIELL IMITD ECONOMICS MACHINES RETIAZ LOCATION STAY NOWT DUBANS NEW LAWNING NUHUM PROPERTY CURNIALS ACHIEVE LAW UNITS The tax matters less, worth Watch WATCH EXPENSE RATIOS OVER TIME ratios over time. VALUE 10 YEARS 15 20 FEE 0.35% 0.83% FEE THE GAP LOOKS SMALL, BUT... compounds INTO REAL MONEY Year 0 Year 10 Year 20 into real money. Higher costs justified by better outcomes, and STOCKANALYSIS.COM ETF YIELD 4.3% 1. SANGEL ETF YIELD 2.4% ETF YIELD 15.0% 2. GISTIPAL FUND FUNDS ETF YIELD 2.7% useful research tool for comparing ETFs side by side. yields, price return, Total return Holdings analysis. THE FOUR HORSEMEN PORTFOLIO what actually sticks about the Four portfolio. clearly it's not designed TO BEAT NASDAQ APPRECIATION 100. It's not for the best ten year return chart. a different MEANINGFUL RECURRING MONTHLY INCOME portfolio slowly it down for ETFs? 4 ETFs | 3 STRATEGIES 2 INDEXES 12.85% YIELD three strategies two different indexes one blended yield around 12.85% approximately $467,000 to reach $5,000 per month recurring cash flow THE MATH GPIQ at 9.8% generates approximately $11,440/year QQQI at 13.9% generates approximately $16,228/year TDAQ at 17.4% generates approximately $20,315/year OVL at 10.3% generates approximately $12,025/year Total: roughly $60,008 per year - or just over $5,000 per month. $11,440 per year. at 13.9%, approximately $16,228 per at 17.4%, approximately $20,315/year and oval at 10.3%, approximately $12,025 per year. Total $60,008 per year, just over $5,000 per month. $50,000 invested -> approximately $535/month $100,000 -> approximately $1,071/month $250,000 -> approximately $2,677/month $750,000 -> approximately $8,031/month $50,000, approximately $535 per $100,000, approximately $1,071 per month, $250,000, approximately $2,677/month $750,000, Approximately $8,031 per month. START WITH ALLOCATION SIZING to think allocation. CORE-SATELLITE APPROACH CORE VOO/QQQ DEDICATED SLEEVE FOR INCOME ETFs Many a core approach. A large core focused holdings like VO or QQQ with a sleeve generating like these. Deciding WHAT % OF PORTFOLIO? of your portfolio putting here is the first real decision. Think about TAX LOCATION Taxable Brokerage Account Statement QQQI Section 1256 treatment section 1256. She's relatively efficient account and TDAQ RETURN OF CAPITAL OVL TAX ADVANTAGES classifications tax exploring holding an IRA. TAX LOCATION STRATEGY STILL WORTH KNOWING NO TAX LOCATIONS FROM SABILE SUPERIELL IMITD ECONOMICS MACHINES RETIAZ LOCATION STAY NOWT DUBANS NEW LAWNING NUHUM PROPERTY CURNIALS ACHIEVE LAW UNITS The tax matters less, worth Watch WATCH EXPENSE RATIOS OVER TIME ratios over time. VALUE 10 YEARS 15 20 FEE 0.35% 0.83% FEE THE GAP LOOKS SMALL, BUT... compounds INTO REAL MONEY Year 0 Year 10 Year 20 into real money. Higher costs justified by better outcomes, and STOCKANALYSIS.COM ETF YIELD 4.3% 1. SANGEL ETF YIELD 2.4% ETF YIELD 15.0% 2. GISTIPAL FUND FUNDS ETF YIELD 2.7% useful research tool for comparing ETFs side by side. yields, price return, Total return Holdings analysis. THE FOUR HORSEMEN PORTFOLIO what actually sticks about the Four portfolio. clearly it's not designed TO BEAT NASDAQ APPRECIATION 100. It's not for the best ten year return chart. a different MEANINGFUL RECURRING MONTHLY INCOME portfolio slowly it down for ETFs? 4 ETFs | 3 STRATEGIES 2 INDEXES 12.85% YIELD three strategies two different indexes one blended yield around 12.85% approximately $467,000 to reach $5,000 per month recurring cash flow

Transcript

Here's a number worth sitting with for a second. $467,000. That's not a life-changing fortune. In many U.S. cities, it's less than the cost of a median-priced home. And yet, the math, we're going to walk through today, $467,000, split equally across four specific ETFs could realistically generate around $5,000 every single month without selling a single share. Most income strategies at that scale involve owning property, locking money into annuities or building a bond ladder that barely keeps up with inflation. These four ETFs do none of that. They're publicly traded, and pay monthly. So if that sounds worth understanding, stick with me. We're today, we're breaking down the Four Horsemen portfolio, originally put together by Michael Brownstein from my trading for ETFs. One clear strategy, one clear goal. Serious income that doesn't require you to cannibalize principal to get it. The tickers are GPIQ, QQQI, TDAQ and OVL. By the end of this, you'll understand exactly how each one works and how the math actually plays out at different investment levels. Let's get into it. Quick note before we start. This is educational content only. It's not financial advice. Past performance does not guarantee future results. Always do your own research and consider talking to a qualified financial professional before making any investment decision. THE PROBLEM? Here's what traditional planning, the 4% rule, you build up a portfolio. You follow the 4% rule, withdraw 4% per year, and hope the money lasts 30 years. On a $1 million portfolio, that's $40,000 a year, about $3,300 a month. For a lot of people, that's not enough. And there's a deeper problem. The 4% rule works by drawing down principal. Every withdrawal slightly erodes the base. If markets cooperate, you're fine. If they don't cooperate, at the wrong time, it gets complicated fast. The Four Horsemen approach operates on a different principle entirely. Instead of selling shares to generate income, you collect distributed income directly from the ETFs themselves. Your principal stays intact. Your potential growth potential stays intact. You're living off the tree. Not cutting down the tree. ETF #1: GPIQ. GPI cue. Goldman Sachs Nasdaq-100 Premium Income ETF. The first ETF is GPI. Sachs Nasdaq 100 Premium Income ETF. It launched in October 2023, and the strategy behind understanding clearly. NASDAQ-100. H1 2024 GROWTH: +14.5%. GPI Q. Nasdaq 100. STOCKS. DYNAMIC COVERED CALL OVERLAY. BUY. SELL. STOCKS. a dynamic call overlay on top of it. 25%. 75%. Goldman's team sells on a portion of the portfolio, from 25% to 75%, depending on conditions. TECH STOCKS BULLISH. When tech are trending they pull the calls more upside flow through. MOMENTUM SLOWS. When momentum slows and the market is ranging they sell premium to maximize income. The result is a distribution yield currently around 9.8%, with a one year total return approximately 23.6%. Fund Characteristics. Fees & Expenses. PB Ratio 24.88. Net Expense Ratio 0.29%. PB Ratio 9.37. Gross Expense Ratio 0.35%. Weighted Average Market 1,604.28 USD. The expense is 0.35%, works out to about $35 per year $10,000 INVESTED. $83 COST PER YEAR. per $10,000. That's and it's worth comparing against what getting in. Given that T-Dak is also the newest fund, it has the least track record. If you're into a portfolio is worth factoring in alongside HIGH YIELD. YOU WORTH FACTORING IN the yield. ETF #2: QQQI. QQQI. QQQI - NEOS NASDAQ-100 HIGH INCOME ETF. The Neos 100 High Income ETF. This one's a real flagship in the income ETF space. QQQI also tracks the Nasdaq 100. But there's a structural that matters. Neos writes its options on the NDX index itself, rather than individual stocks. That qualifies them as SECTION 1256 CONTRACTS under U.S. tax law, which means gains are taxed 60% as long term and 40% as short term, regardless you've held the ETF. in a taxable account. That's a genuine ADVANTAGE. BROKERAGE ACCOUNT. comparable call funds. RETURN OF CAPITAL. TAX ADVANTAGES. classifications. tax. exploring. holding. an IRA. TAX LOCATION STRATEGY. STILL WORTH KNOWING. NO. TAX LOCATIONS FROM SABILE. SUPERIELL IMITD. ECONOMICS. MACHINES. RETIAZ LOCATION. STAY NOWT. DUBANS. NEW LAWNING. NUHUM PROPERTY CURIALS ACHIEVE LAW UNITS. The tax matters less, worth. Watch. WATCH EXPENSE RATIOS OVER TIME. ratios over time. VALUE. 10 YEARS. 15. 20. FEE 0.35%. 0.83% FEE. THE GAP LOOKS SMALL, BUT... compounds INTO REAL MONEY. Year 0. Year 10. Year 20. into real money. Higher costs justified by better outcomes, and STOCKANALYSIS.COM. ETF YIELD 4.3%. 1. SANGEL. ETF YIELD 2.4%. ETF YIELD 15.0%. 2. GISTIPAL FUND FUNDS. ETF YIELD 2.7%. useful research tool for comparing ETFs side by side. yields, price return, Total return. Holdings. analysis. THE FOUR HORSEMEN PORTFOLIO. what actually sticks about the Four portfolio. clearly it's not designed TO BEAT NASDAQ APPRECIATION 100. It's not for the best ten year return chart. a different. MEANINGFUL RECURRING MONTHLY INCOME. portfolio slowly it down for ETFs? 4 ETFs | 3 STRATEGIES. 2 INDEXES. 12.85% YIELD. three strategies. two different indexes. one blended yield around 12.85%. approximately. $467,000 to reach $5,000 per month recurring cash flow. THE MATH. GPIQ at 9.8% generates approximately $11,440/year. QQQI at 13.9% generates approximately $16,228/year. TDAQ at 17.4% generates approximately $20,315/year. OVL at 10.3% generates approximately $12,025/year. Total: roughly $60,008 per year - or just over $5,000 per month. $11,440 per year. at 13.9%. approximately. $16,228 per. at 17.4%. approximately. $20,315/year. and oval. at 10.3%. approximately. $12,025 per year. Total. $60,008 per year, just over $5,000 per month. $50,000 invested -> approximately $535/month. $100,000 -> approximately $1,071/month. $250,000 -> approximately $2,677/month. $750,000 -> approximately $8,031/month. $50,000, approximately. $535 per. $100,000, approximately. $1,071 per month. $250,000, approximately. $2,677/month. $750,000, Approximately. $8,031 per month. START WITH ALLOCATION SIZING. to think. allocation. CORE-SATELLITE APPROACH. CORE. VOO/QQQ. DEDICATED SLEEVE FOR INCOME ETFs. Many. a core approach. A large core focused holdings like VO or QQQ with a sleeve generating like these. Deciding. WHAT % OF PORTFOLIO? of your portfolio. putting here. is the first real decision. Think about TAX LOCATION. Taxable Brokerage Account Statement. QQQI. Section 1256 treatment. section 1256. She's relatively efficient account. and TDAQ. RETURN OF CAPITAL. OVL. TAX ADVANTAGES. classifications. tax. exploring. holding. an IRA. TAX LOCATION STRATEGY. STILL WORTH KNOWING. NO. TAX LOCATIONS FROM SABILE. SUPERIELL IMITD. ECONOMICS. MACHINES. RETIAZ LOCATION. STAY NOWT. DUBANS. NEW LAWNING. NUHUM PROPERTY CURNIALS ACHIEVE LAW UNITS. The tax matters less, worth. Watch. WATCH EXPENSE RATIOS OVER TIME. ratios over time. VALUE. 10 YEARS. 15. 20. FEE 0.35%. 0.83% FEE. THE GAP LOOKS SMALL, BUT... compounds INTO REAL MONEY. Year 0. Year 10. Year 20. into real money. Higher costs justified by better outcomes, and STOCKANALYSIS.COM. ETF YIELD 4.3%. 1. SANGEL. ETF YIELD 2.4%. ETF YIELD 15.0%. 2. GISTIPAL FUND FUNDS. ETF YIELD 2.7%. useful research tool for comparing ETFs side by side. yields, price return, Total return. Holdings. analysis. THE FOUR HORSEMEN PORTFOLIO. what actually sticks about the Four portfolio. clearly it's not designed TO BEAT NASDAQ APPRECIATION 100. It's not for the best ten year return chart. a different. MEANINGFUL RECURRING MONTHLY INCOME. portfolio slowly it down for ETFs? 4 ETFs | 3 STRATEGIES. 2 INDEXES. 12.85% YIELD. three strategies. two different indexes. one blended yield around 12.85%. approximately. $467,000 to reach $5,000 per month recurring cash flow.

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