It grew its bookings 21%. It posted record operating profit. It generated $2.3 billion in free cash flow. It bought back roughly $3 billion of its own stock. It crossed 50 million paying members in a loyalty program that now drives half of everything it sells.

Now imagine that same stock is trading near its lowest point in a year, while Wall Street secretly stamps it with a Strong Buy and price targets that sit 45% to over 100% above where it trades today.

That is not a hypothetical. That is a real company, reporting real numbers right now, and the market has decided to price it like a melting ice cube because of one fear that I believe is wildly overblown.

I am going to name the stock and show you exactly why the market is wrong. Then, for paid members, I break down the partnership that ties this to a second stock I hold, the full numbers, Wall Street’s targets, my own price target, and how I am building the position. Let’s get into it.

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👉 My two buy alerts from the beginning of June are now up more than 25%.

The Setup: A Leader Priced Like a Loser

Here is the mechanism behind the mispricing, because once you see it you cannot unsee it.

The entire market has fixated on a single story: that a new wave of technology is about to make this company obsolete. The narrative is so loud that it has completely drowned out the fundamentals. And the fundamentals are not just fine. They are accelerating.

This company runs a platform that almost everyone reading this has used. It operates in more than 70 countries. It has two enormous business engines, and the one investors ignore is actually growing faster and is almost completely immune to the very disruption everyone is panicking about.

The bear case says the core business gets eaten alive by automation over the next several years. The filings say bookings are compounding north of 20%, profit is scaling at more than twice the rate of revenue, and the company is so flush with cash it is aggressively buying back its own shares at these depressed prices.

So you have a profitable, cash-generating, share-shrinking market leader being valued as if its best days are behind it. That gap between perception and reality is exactly where the biggest returns come from.

And here is the part almost nobody is pricing in. This company is not fighting the technology that supposedly threatens it. It is positioning to become the toll road that every version of that technology has to drive through. Let me name it and show you.

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Money I can spend, reinvest, or roll straight back into growth positions while the rest of the market waits around for a quarterly check that barely beats inflation.

This is the engine behind my goal of $50,000 a year in dividend income, and the best part is that the funds doing the heavy lifting are simple to buy. You hold them in a normal brokerage account like any other ETF. The complexity lives inside the fund, not on your screen.

Today I am breaking down the five weekly paying ETFs I lean on to keep that paycheck landing week after week: , , , , and . I will show you what each one does, what it pays, where it fits, and where the real risks hide. Then I will show you roughly what this looks like in actual dollars.

Why weekly income changes the game

Traditional dividend stocks pay you every 90 days and yield two to four percent. That is fine if you are sitting on a million dollars. For everyone else, it is too slow to feel like income.

Weekly paying ETFs flip the cadence. A new generation of option income and leveraged income funds now distributes cash every week by harvesting option premium or amplifying the moves of a single stock. When you stack a few of them together, you stop thinking in quarters and start thinking in paychecks.

Today’s list is the next evolution: more sector exposure, more weekly frequency, and one aggressive satellite position for the risk takers.

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The ETFs powering my income stream

The income report: what this actually pays

Talk is cheap, so here are the receipts. Below is an illustrative look at a hypothetical $50,000 portfolio split evenly across all five funds, using recent distribution rates. These numbers move every week, so treat this as a snapshot, not a promise.

That number is exciting, and it should also make you cautious. A blended 32 percent distribution rate is not free. It comes from option premium, leverage, and in some cases return of your own capital. Which brings us to the part most income channels skip.

Read this part twice

The honest risks

I want my subscribers to be the most informed investors in the room, so here is the fine print that matters.

High yield does not equal high total return. A 40 percent distribution means nothing if the share price bleeds 30 percent over the same year. Judge these funds on total return, which is price plus distributions, not the yield alone.

Return of capital is common. Especially with HOOW and the 0DTE funds, a portion of your weekly check can be your own principal coming back to you. That can be tax efficient in the short run, but it can also quietly erode the value of your shares. I broke this down in The 37% Dividend Yield fund analysis.

Distributions are not guaranteed. Weekly payouts can be cut or skipped. These rates rise and fall with market volatility.

Leverage cuts both ways. HOOW in particular can move violently. Size it like the high risk position it is.

This is exactly why I built the High Yield ETF Database. It flags which of these funds are synthetic, which use leverage, which are prone to NAV erosion, and which carry a risk rating you can actually act on. If you are going to play in this space, you need x-ray vision into what you own.

How I actually use these funds

I do not just collect this income and let it sit. I run what I call the dividend wheel. I take the weekly distributions from these high yield funds and redeploy them into long term growth and quality dividend positions. That offsets the NAV erosion and turns aggressive weekly income into durable, compounding wealth.

For instance, I used my weekly income to build positions in Robinhood and Rivian , which are both up more than 25%.

The weekly cadence is the secret weapon. Frequent income means I am almost always holding fresh cash to deploy on dips, cover expenses, or reinvest, without ever selling a share.

The bottom line

Getting paid almost every week of the year is no longer a fantasy reserved for the wealthy. With a handful of weekly paying ETFs like GPTY, CHPY, HOOW, XDTE, and QDTY, you can build an income stream that pays you on a rhythm your old quarterly dividend stocks never could.

Just respect the risk. These are powerful tools, not magic. Use the index anchors for the foundation, keep the leveraged satellites small, reinvest into quality, and track everything so you always know what you actually own.

Which of these five would you add to your weekly income stack first, and which one scares you the most?

Drop it in the comments, I read every one. If this breakdown helped, restack it so another income investor can find it.

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The S&P 500 ran.

The Nasdaq-100 ran harder. And the Russell 2000 just sat there, dragging behind while everyone who bought it wondered why they bothered.

I get it. I avoided small-caps for years for the exact same reason.

👉 My portfolio is up more than 37% YTD, compared to US Stocks being up 11.4%.

But something changed recently, and it has very little to do with the small-cap index suddenly waking up. It has everything to do with a newer fund that takes that ugly, underperforming basket of 2,000 companies and squeezes a monthly income stream out of it using daily covered calls. The result is a payout yielding north of 7%, and a chunk of it lands in your account in a way the IRS does not even treat as income.

Double-Edged Sword

Here is the uncomfortable truth about small-cap investing.

The index is full of companies that will never amount to much. Many of them have thin earnings histories, inconsistent cash flows, and a single catalyst holding the whole story together. When that catalyst slips, the stock craters. There are a few thousand names in this universe and only a small handful of them ever deliver the kind of returns that make small-cap investing worth the volatility.

So when you buy a plain Russell 2000 index fund, you are buying the winners AND the long tail of dead weight that drags the whole thing down. That is exactly why traditional small-cap ETFs have lagged the large-cap indices for so long. Just look at how the Russell 2000 Index has underperformed and over the last decade.

The companies winning right now are the ones plugged into the AI buildout in some capacity. Power infrastructure, networking, specialized hardware, mining the materials that feed it all. But picking those individual names is its own full-time job, and most people reading this do not have hundreds of hours to dig through balance sheets.

However, the caveat is that small-cap companies is where you can get those multi-baggers! For instance, we initiated a buy alert on Bloom Energy , which has now risen by nearly 268% in about 6 months.

This is the problem the fund I want to show you was built to solve. You collect income from the entire basket, the underperformers included, while still holding the real shares of the names that are actually working.

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How The Income Actually Gets Generated

The fund holds the underlying small-cap stocks directly. Then it writes covered call options against that portfolio every single day. Those daily options generate premium, and that premium is what funds your monthly distribution.

When volatility is high, those premiums fatten up. The fund collects more, and it has more cash to pass along to you. The daily frequency also means management can adjust the approach constantly instead of getting locked into a 30-day position and praying the market cooperates.

There is a real tradeoff to writing options, and I am going to walk through it honestly below, including how the fund behaved during the last serious selloff and the one structural feature that genuinely surprised me when I dug into the latest filings.

Meet The Fund

The ticker is…

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There is a simpler way to build wealth without all of the guesswork.

I often talk about building a strong foundation of investments in companies that are not speculative. These usually companies that you have in your home at this very moment. I believe that the Dogs of the Dow strategy can be efficiently used to build your unshakeable foundation.

The Dogs of the Dow is one of the oldest and most disciplined dividend strategies in existence. It has competed with the market for decades, and it requires almost zero maintenance.

1. You buy ten stocks.

2. You hold them for a year.

3. You collect the income.

4. You repeat.

That is it. I plan to create a separate portfolio that strictly follows this strategy over time so that I can actively measure the results for you guys. I will post a dedicated buy alert of that portfolio when I implement it.

In this article, I will break down exactly how the Dogs of the Dow strategy works, why it generates such reliable dividend income, how the 2026 lineup is positioned for growth potential going into 2027, and how to actually run it yourself.

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What Is the Dogs of the Dow Strategy?

The concept was popularized by Michael O’Higgins in his 1991 book Beating the Dow. The rules are about as simple as investing gets.

At the start of each year, you look at all 30 stocks in the Dow Jones Industrial Average. You sort them by dividend yield from highest to lowest. You buy the top ten highest-yielding stocks in equal amounts. Then you hold them for twelve months, and at the end of the year you rebalance back into the new top ten.

Why does this work?

A high dividend yield often signals a stock that is temporarily out of favor. The dividend stays steady while the share price drops, which pushes the yield up. The strategy argues that these stocks can have significant gains in price plus relatively high dividend yields because the stocks are thought to be temporarily oversold.

You are buying quality blue-chip companies when the market has turned its back on them. You collect a fat dividend while you wait for the price to recover.

👉 Free subs get access to a list of 50 dividend paying stocks.

The 2026/2027 Dogs of the Dow List

Here is the official 2026 lineup, based on closing yields. This will update by January of 2027.

Look closely at that price change column. Stocks like UnitedHealth , Nike , and Home Depot got beaten down hard in 2025. That is exactly why their yields climbed and why they qualified as Dogs. You are buying them on sale.

👉 Does your savings account pay you 3.3% while also giving you exposure to ten of America’s strongest companies?

Probably not.

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The Dividend Income Angle

This is where the Dogs strategy shines for income investors.

Every one of these companies is a profitable, cash-generating blue-chip. These are not speculative names hoping to turn a profit someday. They mail you a check every quarter, and many of them raise that check every single year.

I hold several of these names in my own portfolio, and Verizon is a great example of why. At a 6.8% yield, it sits right at the top of the 2026 list and starts working for me immediately. While the share price drifted sideways in 2025, the income kept landing in my account quarter after quarter. That is the entire point. I do not need Verizon’s price to skyrocket. I need it to keep paying me while I reinvest.

Coca-Cola and Johnson & Johnson are Dividend Kings that have raised their payouts for over 50 consecutive years. Procter & Gamble is right there with them.

These are the same defensive, recession-resistant names I build my own foundation around. People keep buying soda, soap, and medicine no matter what the economy does. That stability is what keeps the dividend income flowing.

If you want to understand why this kind of income holds up even when markets fall apart, I broke it down in detail here:

👉 How To Build A Recession-Proof Dividend Portfolio

Does the Strategy Actually Work? The Performance Data

Fair question, and the honest answer has two sides.

In the short term, 2025 was a banner year for the Dogs. The overall Dow Dogs portfolio delivered a total return of 18.91% in 2025, beating both the Dow Jones Industrial Average return of 14.92% and the S&P 500 Index return of 17.88%. Out of the ten Dogs in 2025, only one generated a negative return, and that was Procter & Gamble.

That was not a one-off. Through the end of November 2025, the year-to-date total return of the Dogs of the Dow hit 20.96%, outpacing the Dow at 13.86% and the broader S&P 500 at 17.74%.

The long-term picture is more balanced, and I want you to see it clearly. Going back 20 years, the Dogs of the Dow returned 10.8%, which is exactly the same as the Dow Jones Industrial Average over that same period. Some academic research has also found no abnormal returns after accounting for trading costs and taxes.

So what is the takeaway?

The Dogs strategy is a reliable, low-effort way to capture an above-market yield from quality companies, and it has periods of real outperformance. What it is not is a guaranteed market-beater every single year. You are buying discipline, income, and value exposure, not a magic formula.

👉 That balance of yield plus steady total return is exactly why I treat strategies like this as a foundation, then layer growth on top.

The Growth Potential Angle

Income is only half the story. The Dogs strategy has a built-in growth engine that most people overlook.

Because the list resets every year, you are systematically forced to buy low and sell high. When a beaten-down Dog recovers and its price climbs, its yield compresses and it eventually drops off the list. You sell it after the recovery. Meanwhile, the new laggards rotate in at a discount.

This is disciplined, mechanical value investing. No emotion. No guessing. I think the market has been spoiled by a decade of constant technology growth. Therefore, value investing like this has become a thing of the past.

Look at Johnson & Johnson, which gained 43.1% in 2025 while still yielding enough to make the 2026 list. Or Amgen, up 25.6% on the year. These are not stagnant companies. They deliver real total return through both rising prices and rising dividends.

The turnaround candidates are where the explosive upside lives. UnitedHealth fell nearly 35% in 2025. If it stabilizes, you are holding a healthcare giant with serious recovery potential while it pays you to wait.

This blend of yield and growth is exactly what I aim for in my own strategy. I take the income my portfolio generates and roll it into growth positions to compound faster. I call it the dividend wheel.

👉 Here Is How I Use The Dividend Wheel Strategy

How To Actually Buy and Rebalance the Dogs

The beauty of this strategy is how little you have to do. Here is the full process, step by step.

Step 1: Pick your start date.

Most investors use the first trading day of the new year, based on closing yields from December 31. You can start any day you want, but pick a date and stick with it every year for consistency.

Step 2: Pull the ten highest-yielding Dow stocks.

Sort all 30 Dow components by dividend yield, highest to lowest. The top ten are your Dogs. For 2026, that is the list in the table above.

Step 3: Buy all ten in equal dollar amounts.

This is the key. If you are investing $10,000, that is roughly $1,000 into each name, not weighted by price or by how much you like a company. Equal weight keeps the strategy disciplined and removes your bias.

Step 4: Do nothing for twelve months.

Collect your dividends. Reinvest them if you want to compound faster. Ignore the daily noise. This is the hardest step for most people, because doing nothing feels wrong. It is the entire edge.

Step 5: Rebalance at the one-year mark.

Re-sort the Dow by yield. Sell any stock that fell off the top ten. Buy the new names that rotated in. Rebalance the survivors back to equal weight. Then repeat.

One practical note. Holding positions for at least a full year lets you reap the tax benefit of being taxed at the long-term capital gains rate instead of the short-term rate. Timing your rebalance just past the twelve-month mark on winners can save you real money at tax time.

That is the whole system. Five steps, once a year.

A Few Honest Caveats

No strategy is perfect, and I want you to go in with clear eyes.

The 2026 list is concentrated. By following this strategy, 40% of a portfolio would be in the Healthcare sector, 20% in Consumer Defensive, and another 20% in Consumer Cyclical. That is heavy exposure to a few sectors, so the Dogs work best as one piece of a diversified income plan rather than your entire portfolio.

A high yield can also occasionally signal a company in real trouble rather than a temporary dip. Simply chasing higher-yielding stocks is not always the best strategy, since a stock may be trading at a lower price for a reason, such as weakening business fundamentals. The Dow’s blue-chip quality filter helps here, but it is worth knowing the difference.

I am sharing how I think about this strategy, not giving you personalized financial advice. Do your own research and size your positions to your own situation.

The Bottom Line

The Dogs of the Dow proves that building real dividend income does not require complexity. Ten quality stocks. A 3.3% starting yield. Built-in value rotation that forces you to buy low. A full year of compounding before you touch a thing.

For income investors who want both a reliable paycheck and genuine growth potential, this is one of the most beginner-friendly strategies on the market.

If you want to take it a step further and learn how to turn these dividends into income that hits your account far more often than once a quarter, start here:

👉 Here Is How To Get Paid A Dividend Every Day

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I would rather put that ten thousand dollars to work today and build something that pays me every single month, with income that lands automatically from assets I own rather than hours I have to trade. Ten thousand dollars is more than enough capital to get that engine running, and once it is running the whole job becomes feeding it and letting it grow.

On its own, that starting stack will only throw off a modest amount of income, so the real growth comes from steady contributions and the patience to let everything compound. Do that consistently and a $10,000 head start can grow into a $300 monthly paycheck within three years.

Below I will walk through exactly how I would build it, from the portfolio structure to the contributions it takes and the honest tradeoffs involved, with no hype and no fantasy about one magic fund that pays 40% forever.

Subscribe. I publish monthly dividend reports showing exactly what this strategy pays me in real time.

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First, Let’s Be Honest About the Math

I’m going to respect your intelligence here, because the internet won’t.

$300 a month works out to $3,600 a year, and to pull that out of $10,000 alone you would need a 36% yield. That kind of return does not exist in any safe or sustainable form. While I do personally utilize these high yield funds, it is very strategic and only makes up a small portion of my portfolio.

So $10,000 by itself should not get you to $300 a month if you are a beginner. Two things get you there when they work together:

1. Contributions: You add roughly $600 a month of your own money, which is the real engine of the whole plan. Over three years that adds up to about $21,600 of fresh capital stacked on top of your $10K head start.

2. A higher-yield, income-tilted build: You weight the portfolio toward monthly income producers so a smaller balance throws off more cash, targeting a blended yield around 10% rather than the 3% you would get from a plain index fund.

Pull both levers together and the timeline compresses from roughly a decade down to three years. To be upfront about it, this income-tilted version of a $10K portfolio throws off around $80 a month right out of the gate, and that $80 is the seed your contributions and reinvestment grow into the full $300.

The part I won’t sugarcoat is that chasing a blended yield near 10% means leaning into higher-risk income funds that carry more volatility and a real chance of principal erosion, and that added risk is the price of the faster timeline. A slower and gentler version of this plan absolutely exists, it simply takes longer to reach the same number, so go into the aggressive lane with your eyes open.

Here is exactly how I would build it.

The Plan: A Three-Layer Income Machine

A $1,000 portfolio is really just a foundation, but $10,000 with a three-year goal gives you enough capital to build all three layers and tilt the whole structure toward income. Each layer has a specific job to do.

Layer 1: The Foundation ($3,500, 35%)

This is the bedrock of the portfolio, and it is deliberately boring because it keeps the whole thing from being all gas and no brakes.

Picking your first ETFs is where most beginners freeze up, so I made it simple. Every free subscriber gets my hand-picked list of beginner-friendly ETFs emailed straight to them, which is the exact starting lineup I would hand a brand-new investor on day one. Subscribe for free and it lands in your inbox.

Here is the kind of foundation I’m talking about:

(Schwab U.S. Dividend Equity ETF) - This is the gold standard for dividend-growth investing, screening for quality companies with strong balance sheets and a long habit of raising their payouts year after year. The yield is modest at around 3.5%, but it grows faster than inflation and anchors the entire stack.

(Vanguard High Dividend Yield ETF) - This casts a wide net across hundreds of established dividend payers, with low costs and dependable quarterly income, and it pairs cleanly with SCHD without overlapping too heavily.

The reason I lean on this layer is that it almost never gives you a heart attack. When the higher-yield holdings get choppy, this is the part of the portfolio that holds the line.

Layer 2: Monthly Income Engine ($4,500, 45%)

This is the workhorse of a three-year build, and it gets the largest slice on purpose because monthly income is what fuels the reinvestment that reaches $300 quickly.

(Realty Income) This one is nicknamed “The Monthly Dividend Company” for good reason, paying every month and raising its dividend for decades while owning thousands of properties leased to recession-resistant tenants. It is the closest thing to a landlord’s paycheck that you can buy with a single click.

and (Monthly Income ETFs) These funds generate income through actively managed equity strategies and options overlays, then pass it through as monthly distributions with yields in the high single digits to low double digits. They carry more moving parts and more risk than a plain ETF, and they do most of the heavy lifting on cash flow.

The reason I lean on this layer is the rhythm of it. Getting twelve paydays a year instead of four keeps you reinvesting, and consistent reinvestment is what beats the clock.

Paid subscribers unlock instant access to the high yield database, includes more than 120 different income ETFs.

Layer 3: The Amplifier ($2,000, 20%)

This is the high-octane sleeve, and it is what pushes the blended yield toward 10% and shortens the timeline.

This is where YieldMax-style weekly payers like or come in, using aggressive options strategies to pay distributions every week. The headline yields look almost unreal and the principal can erode, which is exactly why I cap this layer at one-fifth of the portfolio. Sized correctly, the steady stream of weekly income gets reinvested back into Layers 1 and 2 and compounds the rest of the machine.

The reason I lean on this layer is that it acts as an accelerant, but an accelerant can burn you if you pour on too much, so position size matters more here than anywhere else in the portfolio.

Stacked together with this income tilt, $10,000 throws off roughly $80 a month at a blended yield near 10%, and that gives you a launchpad to compound from.

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The Engine That Gets You to $300: Reinvest Everything

The single move that does the most work, and costs you nothing, is reinvesting every dividend you receive.

Turn on automatic reinvestment, often called DRIP, inside your brokerage, and every payout immediately buys more shares. Those new shares pay their own dividends, which get reinvested in turn, and the wheel starts spinning on its own:

• Your first month buys more shares

• Those shares earn their own dividends

• Which buy even more shares

• Which raise your monthly income

• Which buys more still

When your portfolio is paying $80, then $115, then $155 a month and you reinvest all of it, you are adding well over a thousand dollars a year of new income-producing shares without touching your own contributions. Stack that reinvestment on top of your $600 a month and the snowball becomes an avalanche surprisingly fast.

This one habit is the entire difference between building income yourself and letting your income build itself.

The Roadmap: From $10K to $300/Month in 3 Years

Here is the honest trajectory, assuming you start with $10,000, add about $600 a month of your own, reinvest every dividend, and hold a blended yield near 10% across the three layers:

That is what a realistic three-year build looks like when a head start, steady contributions, and an income-tilted portfolio all work together.

It helps to notice what is really driving those numbers. The bulk of that $38,000 is money you put in yourself through contributions, with returns and reinvestment carrying the rest of the load. Your $10K gets you off the starting line, your $600 a month does most of the building, and the higher yield is what allows a $38,000 balance to pay you $300 a month when a plain portfolio would need closer to $60,000 to do the same job.

If you want to move faster or take on less risk, you have a few dials to turn:

• Contribute more. Pushing past $600 a month moves your finish line earlier than three years.

• Adjust the yield. A larger tactical sleeve gets you there faster with more risk, while a smaller one is slower and steadier.

• Add windfalls. A tax refund, a bonus, or side-hustle cash all jump you up the table whenever they land.

You also feel the progress the entire way, since your income climbs from $80 to $115 in the first six months alone, and that momentum is what keeps you committed when the market gets noisy.

Track Every Dollar Like It Matters

You cannot grow what you refuse to measure.

Every dividend that lands is one more dollar you did not have to earn by trading away an hour of your life. I treat my portfolio like a business, tracking income, yield, and growth every month and cutting anything that stops earning its keep, which matters most in the high-yield sleeve where you have to watch closely for funds that quietly bleed principal.

You can use a simple spreadsheet or my own dividend tracker, because the specific tool matters far less than the habit of using one. For instance, I use my own dashboard that is available to all paid subs.

Watching that monthly number climb from $80 to $115 to $155 is the most motivating part of the entire process, precisely because you built it yourself.

Final Thought: Ten Thousand Dollars Is Where It Begins

You do not need a perfect portfolio, a crystal ball for the market, or a lucky break to make this work. What you need is a head start, the discipline to reinvest, and the consistency to feed the machine every single month.

Ten thousand dollars is more than enough to begin, and yet most people will let it sit, spend it, or gamble it away on the next trend. If you put it to work today across these three layers, reinvest the income, and feed it $600 a month, three years from now you will have a $300 paycheck arriving whether or not you clock in. Then you will do it all over again to reach for the next $300.

That is how ownership works, and it is how you slowly buy back your own time, one dividend at a time.

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This is how I would approach it personally and is meant for education rather than personalized financial advice. The higher-yield, three-year path described here carries real risk, including the loss of principal, so always do your own research and invest according to your own goals and risk tolerance.

That trade reminded me why I love this strategy so much. Not just because of the returns. But because of what the weekly income actually does to your life.

There is something genuinely different about getting paid every single Thursday. Weekly passive income hits your account so regularly that you start to think about your investments differently.

You stop obsessing over what the price is doing and you start seeing your portfolio as a machine that generates real, spendable cash on a rhythm you can actually feel. That cash can cover a dinner out, go straight back into more income assets, or compound silently inside a Roth IRA. The point is, you are in control of it every week, not every quarter.

Today, I am adding a new position that follows the same playbook as CHPY, but with a broader lens. Instead of semiconductors alone, this fund reaches across the entire AI and technology ecosystem. It pays weekly. And it is currently yielding north of 35%.

This fund has outperformed both and on a YTD basis. As AI momentum continues, I believe this outperformance can continue through the remainder of 2026.

Unlock the full analysis below, including the exact fund, the entry strategy, the risks I am watching, and how I am sizing this position inside the Dividend Wheel.

👉 Subscribe to get instant access to this article and the Yieldly Dashboard, where I track my real-time positions and distribution income as they happen.

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The investors who come out the other side with their wealth intact are the ones who structured their portfolios before the downturn arrived. Not after. They held positions that held their ground while everything else was sliding, collected dividends the entire time, and came out of the chaos with more shares and a lower average cost than when they went in.

That is what building a recession-proof structure actually looks like in practice. And the fund I am covering today is one of the clearest examples of it I have come across. Since launching in early 2022, it has navigated rate hikes, a regional banking crisis, an AI selloff, and an active military conflict in the Middle East, all while outpacing the S&P 500 by 26 percentage points. During the worst of the 2026 market volatility, it held up significantly better than the broader indices.

Investors who actually build life-changing passive income are not the ones chasing the highest yield on day one. They are the ones who found companies and funds that kept raising their payouts year after year, so that the income stream they bought at 1.5% is now paying them 6%, 8%, 10% on the same original dollars. The yield did not change on paper.

Their yield on cost did.

Dividend stocks are great because when you select the right ones, they raise your payouts year-after-year. When your job doesn’t give you a raise, you can count on quality dividend stocks to give you one.

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First, the market context right now

This is not a normal week. The SpaceX IPO prices tomorrow at $135 a share with a $1.75 trillion target valuation, making it the largest IPO in history. Goldman Sachs is leading 21 banks on the deal. Retail investors are allocated 30% of the float, which is three times the usual amount for a mega-cap offering.

Here is the problem. Buying SPCX means selling something else first. Analysts are already flagging that retail selling flows to fund SpaceX purchases could create massive dislocations across current holdings, especially in tech-heavy names. We got a preview of this last Friday when chip stocks were hit hard with no obvious fundamental reason.

On top of that, Iran. Nuclear talks have reached a critical point in early June. Iran’s supreme leader declared US military bases in the Middle East are no longer safe. The Strait of Hormuz risk is real and active. Earlier in the year, during the March escalation, the S&P 500 wiped its entire year-to-date gains in a single session. We have since recovered, but the situation is live.

This kind of double uncertainty, a massive capital rotation event on top of a live geopolitical risk, is exactly the environment where the character of a fund gets revealed. CGDV has held up well through every version of this kind of chaos since it launched.

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This Fund Is Different

Most dividend ETFs screen for yield first. If a company does not pay above a certain threshold, it gets excluded. That sounds sensible for income investors, but it ends up filtering out some of the best-compounding companies in the market.

This fund takes a different approach. The active managers look for two types of companies:

1. Those that already pay a dividend.

2. Those with the balance sheet and free cash flow to pay one in the future.

That second category is the unlock. NVIDIA, Microsoft, Meta, Amazon, and Alphabet all live inside this fund. A traditional dividend ETF would have rejected every single one of them.

The fund I am talking about is the…

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I will be slowly rotating into disruptive growth subsectors that I believe will define the next decade of wealth creation. I believe this is the golden age for tech and we need to allocate our capital accordingly. These are companies that are disruptors and offer products or services that are truly innovative.

The income machine keeps running. What I am doing is using a slice of that cash flow to buy into the sectors that will power the next leg of compounding growth. This is why dividends are an essential piece of the puzzle.

Collect Dividends → Reinvest In Growth → Take Gains → Reinvest In Dividends → Repeat

While I haven’t started to add to any specific positions yet, I believe there are clear themes that we should track. With new markets literally being created in front of our eyes, such as AI-linked Robotics, this the time where we can find multi-bagger stocks that 10x our returns.

I will be sharing more than 21 tickers as part of this article.

I will be tracking six disruptive subsectors. Here is every single one that I think will see massive growth over the next decade. However, I like risk-adjusted returns; the lowest risk positions that have potential for massive returns.

👉My portfolio is up more than 37% YTD, compared to US Stocks being up 11.4%.

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Subsector 1: Memory and Storage

There is a pattern that repeats in every major technology cycle. The headline hardware gets all the attention. The supporting infrastructure that makes that hardware actually function gets ignored until it is too late to buy it cheap.

Right now, that supporting infrastructure is memory and storage. This is why we’ve seen companies like Sandisk explode higher.

Every GPU shipped by NVIDIA requires high bandwidth memory stacked directly onto the chip. Every inference request processed in a data center burns through enterprise-grade solid state storage. Every large language model trained is consuming DRAM at rates no previous workload class ever required. The memory layer is not optional. It is the feedstock for everything the AI economy runs on.

And yet the names supplying it trade at a fraction of the multiples attached to the chip designers above them in the stack.

Why This Sector Can Explode Higher

• Supply is structurally constrained. IDC projects 2026 DRAM supply growth of only 16% year over year, well below the 20 to 30% historical norms. Manufacturers are diverting capacity to HBM. The shortage is expected to persist into 2027.

• HBM demand is growing at 70%+ annually. TrendForce projects HBM consumption growth exceeding 70% year over year in 2026 alone. NVIDIA, AMD, and Google are all migrating their AI chips to newer HBM generations with more stacks and higher total memory per chip.

• Pricing power has arrived. NAND contract prices rose roughly 60% in Q1 2026. DRAM pricing followed. HBM generates three to five times the margin of standard DRAM. The companies producing it are price-makers for the first time in the industry’s history.

Four Names Worth Researching

These are the four companies I am watching in this subsector. Each one covers a different part of the memory and storage stack. Do your own due diligence before buying anything.

1. Micron Technology

2. Western Digital

3. Seagate Technology

4. Lam Research

Subsector 2: Drones

Commercial drone adoption is moving faster than most income investors realize. Defense contracts are accelerating. Last mile delivery is no longer a pilot program. The FAA regulatory framework for beyond visual line of sight operations is finally taking shape, which removes the single biggest barrier that held this sector back for years.

Add the commercial side, and the opportunity compounds further. The global drone market was valued at $63.6 billion in 2026 and is projected to reach $127 billion by 2032. Investors put $1.7 billion into drone companies in just the first two months of 2026 alone.

This is an early stage infrastructure play with real government and enterprise revenue behind it today. The window to buy before the institutional pile-in is closing.

Why This Sector Can Head Higher

• The Pentagon is buying at scale. The DoD is spending over $1 billion on 300,000 attack drones in 2026, with Army procurement targets extending into the millions of units. Defense contracts of this size create multi-year revenue visibility for the companies that hold them.

• The foreign ban is a demand accelerator. With DJI and other foreign manufacturers locked out of new U.S. certifications, roughly 80% of the consumer market and a significant portion of the commercial market needs to be absorbed by domestic suppliers. That kind of forced demand shift is rare and powerful.

• BVLOS regulations are finally arriving. The FAA’s Part 108 framework expected to finalize in 2026 would allow commercial drones to fly beyond the operator’s line of sight without individual waivers. That single regulatory change opens up last mile delivery, infrastructure inspection, and agricultural applications at national scale.

• The market is doubling over the next six years. At a 9.5% CAGR from 2026, the global drone market reaches $127 billion by 2032. The fully autonomous segment is growing faster at 12.7% annually. The companies positioned in defense and commercial autonomy today are riding that curve from the start.

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Four Names Worth Researching

This list covers established defense revenue, commercial aviation adjacency, and a high-risk small-cap pure-play for those who want maximum exposure to the procurement cycle. Do your own due diligence before buying anything.

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👉My portfolio is up more than 37% YTD, compared to US Stocks being up 11.4%.

I’ve piled into tech over the last year and now I think there are compelling opportunities to rotate into dividend-focused holdings as a hedge. While investors chase the next 10x-multibagger, the billions are buying companies with durable cash flows.

This article is about two specific funds that solve the possibility of a decline. By staying fully invested in quality companies while collecting real monthly income that keeps paying regardless of what the market does next, you can outperform the market.

By the end of this article, you will understand exactly how both funds work, what they hold, what they yield today, how they behaved during the last major selloff, and why I believe they belong in any portfolio that is serious about generating income without taking on reckless risk.

One fund focuses on U.S. large-cap quality stocks with a selective options overlay. The other brings international diversification and a double-digit monthly yield that most U.S. investors have never heard of. Together they cover two very different corners of the income landscape.

Fund #1 has a history of outperforming the S&P 500 during reversals..

Dividends Aren’t Sexy But They Get The Job Done

When markets run hot, dividend stocks gets ignored.

Everyone is chasing price appreciation. Why collect a 5% dividend when the index is up 20%? That logic makes sense until the run ends. And when it does, the investors who built income into their portfolios have something the pure growth investors do not: cash flow that keeps coming regardless of what the market does on any given day.

Income is the cushion that lets you stay rational when everything else gets volatile. That is its job. This is why I continue to manage my income positions over time, which pay me more than $41k annually.

The funds I want to talk about today are built for exactly this moment. They offer genuine yield and downside protection without asking you to abandon your existing portfolio. Collecting income that isn’t correlated to your time of effort is essential in today’s world.

Dividends allow you to get paid while you’re asleep. When you collect income that isn’t a direct result of your time or energy, it no longer become stressful to spend money on pleasantries.

The month I traveled to Japan, I collected $2,435 in dividends while there. This income paid for the trip and allowed me to order meals without guilt; it allowed me to book experiences without stress.

What To Look For In A Fund

Before I get into the specific funds, here are the three things I always check.

1. How is the income generated ?

Options premium, dividends from underlying holdings, or return of capital. Each one has different tax implications and different sustainability profiles. You need to know what you are actually collecting before you buy.

2. What happens to NAV over time?

High yield funds can distribute more than they earn if the management team is not disciplined. A fund paying 15% that loses 10% in NAV per year is not a 15% yield. That is a slow liquidation of your own capital. Always look at total return, not just the distribution.

3. How does it behave during drawdowns?

The whole point of adding income funds to a growth-heavy portfolio is protection. If the fund drops just as much as the Nasdaq during a selloff, it is not doing its job. Look at what happened during the April 2025 correction and how these funds held up relative to the broader market.

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They do not wait for a recession to start preparing for one. By the time the news is calling it a recession, they are already sitting on income streams that have nothing to do with their job, their boss, or how the economy is feeling that quarter.

You can play the same game.

Here is the uncomfortable truth sitting underneath all of this. We are living through one of the most disruptive economic shifts in modern history. AI is replacing entire departments overnight. Accountants, marketers, analysts, coders, customer service teams.

I used to be a financial analyst. Tasks that took me a day to complete can now be tackled by AI within 30 minutes. Roles that felt secure two years ago are disappearing, and every recession gives companies the perfect cover to make those cuts permanent. It will happen eventually.

Most people have one income stream. Their job. One decision by one employer and the whole thing is gone. I experienced my first corporate layoff in 2015. I was basically a kid at the time so it didn’t really matter to me much. I lived at home and had no bills. However, I remembered seeing grown adults stressed about what they were going to do. I was taught early on that most people are just one paycheck away from being broke.

The wealthy figured out a long time ago that the answer is not to work harder or save more aggressively. The answer is to build income that has nothing to do with your employer. Income that lands in your account whether you are working, whether the economy is growing, and whether or not a machine decided to take your job last Tuesday.

That is what this article is about. The exact strategy they use to do it.

The Market Is Rigged. That’s Actually Great News.

The stock market is designed to go up. No matter what.

Not because of luck. Not because capitalism is perfect. Because of how the entire system is structured.

The S&P 500 is a living index that quietly fires losers and replaces them with winners on a rolling basis. When a company starts to fail, it gets removed. When a new dominant business emerges, it gets added. You’re never actually holding the losers long-term because the index itself won’t let you.

Public companies have every financial and legal incentive to make their stock price go up. They buy back shares. They grow earnings. They raise dividends. Their executives are paid in stock. The entire corporate machine is pointed in one direction.

And then there’s the Federal Reserve. When things get bad enough, the government cuts interest rates and pumps money into the financial system to prevent a collapse. We saw it in 2008. We saw it in 2020. The playbook exists and they’ll use it again.

Does this mean the market goes up every year? No. The 2022 drawdown was brutal. The 2020 crash was terrifying. 2008 wiped out people who panicked.

But zoom out. The market has recovered from every single one of them.

Every. Single. One.

The sooner you genuinely internalize that, the sooner you stop treating every downturn like a crisis and start treating it like what it actually is: a temporary discount on assets that are built to recover.

So why are so many people still losing money in a market that’s rigged to go up?

They sell when it goes down. And they sell because watching your savings drop 30% is unbearable when that number is the only thing your portfolio is doing for you.

Weekly income changes that completely.

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Rich People Build Weekly Income

The goal is simple. Build a portfolio where income arrives so frequently that a market downturn feels more like a sale than a disaster.

When clothes goes at sale, you don’t freak out right? So why treat the markets any different?

When you build a system where your account is depositing cash every week, the scary headlines stop hitting the same way. You are not watching your future disappear. You are collecting a paycheck while a system that is built to recover does exactly what it has always done.

This is exactly what I am working on. I built a portfolio that pays me $41,000 a year and growing. I get paid no matter what the economy is doing or what direction the stock market is moving. Here’s a guide on how to get started.

Job One: Start Investing

Most people treat investing like something they will get around to eventually. When they have more money. When things calm down. When they feel like they understand it better.

Here is a number that tends to change how people think about this. If you invest $300 a month starting at 25 and earn an average 8% annual return, you end up with roughly $1 million by the time you are 65.

Wait until you are 35 to start the exact same habit and you end up with around $440,000. Same discipline. Same monthly amount. A decade of delay cost you more than half a million dollars.

The reason is compounding. When your investments earn returns, those returns start earning returns of their own. It snowballs in the background and the longer it runs the more violent the growth becomes at the end. The people who retire wealthy are almost never the ones who made one great investment. They are the ones who started early and kept going without stopping.

So what does investing actually mean for someone who has never done it?

At its most basic level, investing means putting your money into something that has the potential to grow or generate income over time, instead of letting it sit in a bank account where inflation erodes its value every year. A savings account paying 0.5% interest while inflation runs at 4% is not safe money. It is money that is losing ground every single day.

When you buy shares in a company or a fund, you are buying a small ownership stake. If the company does well, your stake grows in value. If it pays dividends, it sends you a portion of its profits on a regular schedule, quarterly or monthly, directly into your account. You do not have to sell anything to collect that money. It just shows up.

Opening a brokerage account takes about ten minutes online. Platforms like Fidelity, Schwab, or Vanguard let you get started with as little as $1. You search for the fund you want, enter how many shares or how many dollars you want to put in, and click buy. That is genuinely all there is to the mechanics of it.

Job Two: Get Paid Right Now

Imagine you got laid off tomorrow. How long could you survive on what your investments pay you today?

For most people the answer is zero. Their portfolio grows or shrinks but never actually pays them anything until they sell something.

The first job is to fix that. You want a portion of your money sitting in investments that deposit income into your account on a regular basis, regardless of what the market is doing that day.

This is where a fund like comes in. It generates income by using a strategy called covered calls on S&P 500 stocks, which sounds complicated but the mechanic is simple: it earns a premium for agreeing to sell shares at a set price, and passes that premium to you as income. Currently yielding over 12% annually, paid out monthly.

The part that surprises most people is what happens when markets get rocky. Volatility actually increases the premiums collected, which means the income goes up right when everyone else is panicking. The chaos works in your favor.

Your first job is covered. Money coming in, every month, no employer required.

Job Three: Reinvest & Get Raises

Here is a trap that almost nobody talks about.

Picture someone who retired in 2005 with a $3,000 monthly income from their investments or social security. They felt set. And for a while, they were.

But groceries cost more in 2015 than they did in 2005. Gas cost more. Insurance cost more. Property taxes cost more. That same $3,000 monthly paycheck bought less and less every single year until what felt like financial freedom started feeling like financial strain.

This is inflation doing what it always does. And most income portfolios have no defense against it.

The second job your money needs to do is grow that income over time so you never fall behind. A fund like handles this. It holds some of the most reliable dividend-growing companies in the world and has consistently raised its payout year after year.

Think of it as the annual raise your employer stopped giving you, built directly into your portfolio.

The Only Question That Actually Matters

Remember the person we talked about at the beginning of this article.

The one who does not wait for a recession to start preparing for one. Who is already sitting on income that has nothing to do with their employer, their industry, or whether AI decided to automate their role this quarter. Who is getting deposits while everyone else is refreshing their bank account and wondering what comes next.

That person is not smarter than you. They did not start with more money. They just understood something early that most people figure out too late: your job is not a financial plan. It is a starting point.

The recession will come. The layoffs will follow. The headlines will be loud and the fear will feel very real. And somewhere in the middle of all of it, quietly, the deposits will keep landing for the people who built this before they needed it.

The only question left is when you start.

Not financial advice. All investments carry risk. Past performance does not guarantee future results. Always do your own research or consult a licensed financial advisor before making investment decisions.

The two positions I’m breaking down today are not obvious. I haven’t seen anyone else provide in-depth analysis on them.

One has a reputation it hasn’t fully shaken. The other is still burning cash at a rate that makes conservative investors flinch. Neither of them would show up on a screener looking for clean, safe, low-risk compounders.

I bought them because I think the market is still pricing both of these companies for what they used to be, not for what they are becoming. And in my experience, that gap between perception and reality is exactly where the real money gets made.

I put $8,000 into the first position and $4,000 into the second. I sized them differently because the risk profiles are different. But I have genuine conviction in both.

Before I get into the thesis, I want to set some context. If you’ve read my work on the AI transition and the four stages of where value accumulates in a technology shift, the mental framework I’m using here will feel familiar. If you haven’t, I’d recommend starting there first.

The rest of this article is for paid Dividendomics subscribers. If you want the full thesis, the bull and bear cases, and exactly how I’m thinking about sizing and time horizon on both positions, join below.

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Position One: Robinhood Markets (HOOD)

Why I Bought

I came into Robinhood with a fair amount of skepticism. For a long time, the story felt thin. A meme stock app with a checkered regulatory history, a gambling-adjacent reputation, and a business model that critics had spent years trying to dismantle.

When I started paying closer attention to the numbers and the product roadmap, I stopped seeing a meme stock app. I started seeing a financial platform in the middle of a genuine transformation, one where the market hasn’t caught up to the reality of what this business is becoming.

That’s when I decided to get in.

The Bull Case

The most important thing to understand about Robinhood right now is that the revenue story has fundamentally changed. For years, the company was almost entirely dependent on Payment for Order Flow, a single revenue stream that critics correctly identified as fragile and regulatory-vulnerable. That’s not the business anymore.

2025 was a year that made the pivot undeniable. Full-year revenues came in at $4.5 billion, a record, with diluted EPS of $2.05, also a record. Revenue doubled year-over-year in Q3 alone. Net deposits hit $68 billion for the year. These are not meme-stock trading numbers. These are the numbers of a business that has found real, durable traction across multiple product lines.

What’s driving it? Four distinct revenue pillars that have replaced the single-point-of-failure model:

1. Transaction-based revenue across equities, options, and crypto

2. Net interest income that has grown substantially as the cash management business scaled

3. Robinhood Gold subscriptions sitting at 4.2 million subscribers by early 2026, up 76% year-over-year

4. Growing financial services layer that includes credit cards and international products.

The Gold Credit Card alone deserves attention. Offering 3% cash back across all categories, it hit 600,000 users by end of 2025. That is a financial product with genuine stickiness that is pulling users deeper into the Robinhood ecosystem and away from legacy institutions.

That is the broader strategic play here, what management calls the Financial SuperApp. The vision is a single platform where a customer handles their investing, trading, spending, saving, and banking needs all in one place. The bet is that Robinhood’s mobile-first, high-yield, low-friction environment wins the loyalty of younger generations, particularly the Gen Z and Millennial cohorts who are set to inherit an estimated $84 trillion in wealth over the next decade.

The 3% IRA match, for example, pulled over $26 billion in retirement assets away from legacy institutions in 2025 alone. Legacy firms have not meaningfully responded because they can’t. Their cost structures and institutional cultures make it nearly impossible to compete on those terms.

Internationally, Robinhood is pushing hard too. UK ISAs launched in early 2026. Crypto perpetual futures went live in Europe. The acquisition of Bitstamp gave the company genuine global crypto infrastructure. Management has announced Asia-Pacific expansion plans through acquisitions in Indonesia, signaling that the addressable market thinking here is not limited to the United States.

The company is also buying back stock aggressively, $173 million in early 2026 alone, with a $1.5 billion total repurchase authorization. When management buys back that much of their own stock, they are telling you something. I believe them.

The Bear Case

I don’t want to gloss over the risks, because they’re real.

The most significant one is that a meaningful portion of Robinhood’s revenue still depends on trading volumes, and trading volumes are highly sensitive to market conditions. When volatility subsides and retail interest cools, this shows up fast. Q4 2025 crypto revenue dropped 18% sequentially in a softer market environment. That is the kind of number that reminds you the business still has cyclical exposure.

Regulatory risk is perennial. Robinhood’s history with regulators is not clean, and the PFOF debate hasn’t fully resolved. An unfavorable regulatory shift could still impair the transaction revenue model in ways that are difficult to model in advance.

And then there is competition. The legacy brokerages are not standing still. Charles Schwab and Fidelity still manage trillions in assets and are building modern platforms. Robinhood wins the incremental deposit battle today, but staying ahead requires continuous product execution with no meaningful stumbles.

My Take

I put $8,000 into Robinhood because I think the market is still pricing this like a trading app with a regulatory cloud over its head. The reality is a diversified financial platform with multiple high-growth product lines, a clear strategic vision, aggressive management conviction expressed through buybacks, and a demographic tailwind that is just beginning to play out.

The valuation will only make sense in hindsight, once the SuperApp narrative becomes impossible to ignore. I would rather own it now, while the skeptics are still loud.

Position Two: Rivian (RIVN)

Why I Bought

Rivian is a harder story to tell, and I want to be honest about that upfront. This is not a company that is printing money. Net losses are still enormous. Cash burn is real. The path to profitability runs through a vehicle launch that hasn’t fully happened yet and a scale-up that requires things to go right.

And yet. I bought 300 shares at roughly $13 a piece.

Here is why: there are certain moments in the lifecycle of a capital-intensive business where everything that came before is essentially table-stakes losses, the cost of earning the right to play at scale. I think Rivian is at the inflection point right before that game actually starts.

The R2 is the catalyst. And the data we have on where this business stands going into that launch is, frankly, more encouraging than I expected when I started digging.

The Bull Case

Start with what has already happened. Rivian achieved its first full year of consolidated gross profit in 2025, $144 million. That sounds modest against the backdrop of $3.6 billion in net losses, but in the EV startup world, crossing the gross profit threshold is a structural milestone. It means the vehicles are no longer being sold at an operating loss at the unit level. The underlying economics of the manufacturing business are beginning to work.

The software and services segment deserves specific attention. That business went from $7 million in gross profit to $576 million in a single year, driven by the Volkswagen joint venture and growing services revenues. This is the emergence of a high-margin, recurring revenue layer sitting on top of the vehicle business. If it continues to scale, it changes the entire financial profile of the company over the medium term.

The Volkswagen partnership is a genuine strategic asset, not a press release. VW committed roughly $5.8 billion to the joint venture, with funding tranches tied to Rivian hitting specific financial milestones, meaning Rivian has already earned real capital by executing. VW’s supply chain expertise, global distribution relationships, and manufacturing knowledge represent resources that Rivian couldn’t build independently in any reasonable timeframe. When a large incumbent writes a check of that size, it is telling you something about what they believe lives inside this company’s technology stack.

The R2 is the demand catalyst that everything else depends on. Priced around $45,000, it targets the mass-market compact SUV segment, a far more addressable market than the $70,000+ R1T and R1S trucks that have defined Rivian until now. Deliveries are expected to begin in Q2 2026, and early pre-production reviews have been notably strong. The bill-of-materials cost is projected at roughly $32,000, a meaningful improvement over current models driven by simplified design and shared components.

The factory picture supports the scale story in physical form. Rivian’s Normal, Illinois plant has been upgraded to 215,000 units of capacity. The planned Georgia facility, backed by a $4.5 billion government loan, is expected to add approximately 400,000 units of capacity in phases, with first vehicles targeted by end of 2028. That is the infrastructure of a real automaker, not a startup.

On the technology side, the December 2025 Autonomy and AI Day revealed the RAP-1 Autonomy Processor, an in-house chip program, alongside an autonomous driving platform and an AI-driven in-car assistant. The company also spun out Mind Robotics, an AI-enabled industrial robotics venture. The technology being built for these vehicles has applications that extend well beyond transportation.

Macro tailwinds are building quietly too. California’s Clean Fuel Reward program through 2030 supports commercial EV demand. Proposed USMCA changes that favor U.S.-content EVs with domestic manufacturing footprints put Rivian in a structurally better position than imported competitors. Rivian builds in America. That matters more today than it did eighteen months ago.

The Bear Case

The bear case on Rivian is simple to state and genuinely serious: cash burn is enormous, the R2 has to execute, and if it doesn’t, the losses compound in a way that eventually forces a dilutive capital raise.

Free cash flow was negative $2.5 billion in 2025. Adjusted EBITDA guidance for 2026 is still a loss of $1.8 to $2.1 billion. Capital expenditures for 2026 are nearly $2 billion. Rivian ended 2025 with $6.1 billion in cash and short-term investments. The run rate makes clear this company needs the R2 to generate real revenue at real volumes, and it needs to happen without major production hiccups.

Analysts have already flagged that R2 initial pricing came in higher than originally signaled, and volume targets are aggressive for a company that has never manufactured at mass-market scale. A production stumble or a demand miss could significantly delay the path to positive EBITDA.

The Volkswagen joint venture has also reportedly hit software coordination turbulence, with some internal timelines at VW shifting. How that ripples into Rivian’s technology roadmap and cash disbursements is worth watching closely.

And competition is not static. Tesla’s Model Y still dominates the segment Rivian is targeting. Ford and Hyundai have competitive products at similar price points. Rivian’s brand is powerful within its outdoor adventure niche, but expanding into mass-market territory is a genuine product and marketing challenge, not just an engineering one.

My Take

I bought 300 shares because I believe the R2 launch is one of those inflection moments that, if it goes right, makes everything that came before it look like a compelling entry point. The gross profit milestone, the software revenue ramp, the Volkswagen backing, the technology roadmap. All of it points to a company that is further along than the stock price reflects.

This is a patient capital position. I am not expecting a straight line. I’m expecting volatility, skeptics, and at least one quarter that rattles me. But I think the risk-reward is right at these prices for an investor with a two to three year time horizon.

Closing Thoughts

These two positions have almost nothing in common at the surface level. One is a fintech platform. The other is an EV manufacturer. But underneath, they share the same structure: businesses at inflection points, priced for their histories rather than their futures, where the patient investor has a real edge over the market’s shorter time horizon.

I’ve been wrong on stocks before. I will be wrong again. But when I look at the evidence on both of these, I feel more conviction than discomfort.

That’s usually a good sign.

This is not financial advice. These are my personal positions and my personal analysis. Do your own research, know your risk tolerance, and size accordingly.

Long HOOD, Long RIVN at time of writing.

Big Tech earnings came in and removed any remaining doubt about where AI spending is headed. Meta, Microsoft, Amazon, and Alphabet all reported — and the market responded accordingly. My portfolio is up significantly on a YTD basis, outperforming US stocks broadly, and the positions I was building into during the March and April correction are now showing real appreciation on top of already-lowered cost bases.

👉My portfolio is up more than 37%, compared to US Stocks being up 11.4%.

That is what the strategy is built for. Collect income, deploy it into high-quality compounders during weakness, and let the market do the rest. During the quarter, here were some of the shifts that occurred, which I will cover here:

• 4 New Positions Initiated.

• Actively writing covered calls for extra income.

• Fueled capital into growth as AI takes off.

• May be selling some positions.

This month, my passive income from dividends AND covered calls totaled $3,772.00.

I will update my covered call positions in the dashboard, available for founding subs.

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💼 Want to build a portfolio that pays you every month? Grab the Dividend Income Starter Kit — the ebook, tracker, and stock lists I use to run this portfolio.

📊 Track your own income with Yieldly — paid subscribers get instant dashboard access with personalized monthly feedback.

Portfolio Analytics: The Quality Rotation

The Big Tech earnings surge in May validated everything I have been writing about for the past two months. The companies I was accumulating: , , and are now trading well above the levels where I was buying with dividend cash during the correction.

My dividend income hasn’t increased because I’ve been strictly reinvesting this capital back into growth while the markets rally. Once the sentiment shifts and a selloff happens, I will rotate back into income positions.

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Top Holdings

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The mistake isn’t ignorance. Everyone understands AI at this point. The mistake is timing. Billions of dollars are flowing into infrastructure names that are already approaching peak pricing power, while the next generation of compounders sits one stage ahead, largely ignored.

This is why people are chasing the stocks that already boomed higher:

• Micron Technologies

• Sandisk

So here’s what I want to do today: forget the daily earnings noise for a moment, step all the way back, and map this AI transition into four distinct stages, from the bottleneck winners of today to the distribution giants of tomorrow. I’ll tell you exactly where I’m concentrating capital and attention, and which companies I’m watching closely at each point along the way.

We’ll close with a brief current-event case study that grounds the broader themes in something real.

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Stick with me. I believe we can get very rich over the next few years, without having to take massive risks.

Stage 1: The Scarcity Stage — The Bottlenecks

We’re living through this one right now.

When a technology curve inflects this sharply and this fast, demand for the underlying inputs explodes faster than any supply chain can respond. GPUs, data center capacity, power infrastructure, cooling systems, specialized networking — all of it became scarce almost overnight. When something is scarce and non-negotiable, whoever controls that scarce thing prints money.

This is why Nvidia became the most talked-about company on earth. This is why data center REITs re-rated. This is why every hyperscaler started issuing “we’re spending $X0 billion on capex” press releases as competitive signaling. The demand signal was so clear and so urgent that the sellers of the raw inputs could charge almost whatever they wanted.

The Stage 1 winners share a recognizable profile:

• They sit directly at a structural bottleneck in the AI supply chain

• Their product or service has no near-term substitute

• They have enormous pricing power, which flows straight to margins

• Customers are essentially forced buyers, because delay means falling behind

That’s a beautiful setup. But here’s the honest caveat every investor needs to hear: this stage is already maturing. The extraordinary pricing power that characterized 2023 and 2024 is exactly what’s attracting capital to close the supply gap. More fabs are coming online. Alternative chip architectures are getting funded. Hyperscalers are designing their own silicon. The window of peak scarcity doesn’t stay open forever.

👉Here are the clearest Stage 1 beneficiaries:

Chips & Hardware

• Nvidia (GPUs)

• TSMC (manufacturing)

• Broadcom (custom AI chips, networking)

• Marvell Technology (data center networking)

Data Center Infrastructure

• Equinix (colocation)

• Digital Realty (data center REITs)

• Vertiv (cooling and power management)

• Eaton (power infrastructure)

Buying the best Stage 1 names at reasonable prices still makes sense. But if you’re paying for scarcity rents that are actively being arbitraged away, you’re paying for a trade with a time stamp on it. Know the difference.

Stage 2: The Normalization Stage

Supply catches up. Hype stabilizes. The euphoria of the initial sprint gives way to the quiet, grinding work of figuring out who actually built something durable.

This is where Stage 1 winners get sorted into two very different buckets:

The trap investors fall into is assuming that a company which thrived in Stage 1 has earned its Stage 2 valuation. Often it hasn’t. The tailwind disappears and suddenly the underlying business looks much thinner than the revenue numbers suggested.

👉 Cyclical / Risky Players (facing pressure)

• Super Micro Computer (server assembly, thin moat, heavy competition)

• Arm Holdings (richly valued, but licensing model faces long-term pressure as hyperscalers design around it)

Think about generic cloud storage providers in the post-2015 world. Or early-generation CDN players. Or any number of semiconductor companies that rode a single product cycle with no follow-on. The infrastructure gold rush creates genuine winners, and a lot of bagholders.

The question to ask about every Stage 1 winner in your portfolio right now: Does this company have structural advantages that survive the normalization, or was it just selling shovels to miners? If you can’t answer that confidently, you probably want to trim before the crowd figures it out.

Stage 3: Power Dynamic — Buyers Take Control

This is the stage I find most compelling to position for right now, because it’s the one most investors are systematically underweighting.

Once the infrastructure becomes widely available, once GPUs are plentiful, once model APIs are cheap, once the raw capability is commoditized, the balance of power shifts completely. The hyperscalers and platform giants who spent Stage 1 writing enormous checks to build and buy capacity now hold extraordinary leverage. They have options in a way they simply didn’t before.

More importantly, they have something the infrastructure layer cannot acquire: direct relationships with hundreds of millions of end users. Decades of behavioral data. Trusted distribution channels. The asset every technology company ultimately needs and almost none can build from scratch.

Stage 3 giants fold AI capability into existing products and monetize it through those established customer relationships. The AI becomes a feature, then a product line, then a fundamental operating layer. Because these companies already have the customer, every incremental AI interaction flows straight into their existing monetization engine.

Stage 4: The Software and Application Layer

Once the underlying model capability is cheap, ubiquitous, and effectively invisible infrastructure, like electricity or broadband, the value migrates up the stack.

Stage 4 creates two completely different categories of winners and losers.

The Differentiated Winners are companies that sit on proprietary data moats, own deeply embedded workflows, and have distribution that can’t be replicated. Their advantage is everything around the AI: the data it learns from, the workflow it sits inside, the customer trust it leverages. These companies become vastly more profitable when underlying compute costs collapse, because their input costs fall while their pricing power holds.

The Permanently Commoditized are what I’d call wrapper businesses. A thin interface layer on top of a foundation model, with no proprietary data, no locked-in workflow, and no distribution advantage. When the incumbent platform adds that same capability as a native feature, the wrapper company faces an existential question. Many won’t survive it. These are high-risk, difficult-to-underwrite investments regardless of near-term revenue.

The key question for any software or application company you’re evaluating: If the foundation model provider decided to build exactly this product tomorrow, how quickly would they capture the market?

If the honest answer is “quickly,” you’re probably looking at a wrapper. If the honest answer is “years, because of the data and distribution moat,” you might be looking at something genuinely durable.

PAID SUBSCRIBER SECTION: The Stocks I’m Actually Buying🔒

The following section is for paid Dividendomics subscribers only. This is where I get specific — tickers, rationale, and how each name maps to the stage framework above.

If you want to get involved with investors who love growing their wealth and talking about stocks, consider joining the paid subscription. 10% discount included.

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So I built something different that doesn’t make it feel like gambling.

Access Is Limited to Founding Member Subscriptions.

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Meet the Covered Call Database

This is a beginner-friendly covered call dashboard built specifically for income investors. Not traders. Not people glued to a screen all day. People who own shares, want to generate extra cash from those shares, and want to actually understand what they are doing before they place a trade.

It does three things.

1. It finds your best covered call setups.

Type in any ticker you own or are watching. The scanner pulls the live options chain, filters it down to the strikes that actually make sense, and tells you in plain English what you would collect, what the risk is, and which setup is the best balance of income and safety for a beginner.

No jargon. No wall of numbers. You’ll get the clear breakdown of:

1. here is what you would collect today

2. here is the chance your shares get called away

3. here is why this specific strike makes sense.

2. It tracks your positions and builds your trading journal.

Every covered call you log gets saved to your personal account. Premium collected. Strike price. Expiration date. Days remaining. Whether you are safe, at risk, or approaching assignment.

Over time this becomes your track record. Your win rate. Your total premium income collected. Your own data showing you exactly how this strategy is performing in your portfolio.

3. It shows you what I am writing covered calls on.

There is a tab called Cain’s Watchlist. It shows the tickers I am currently active on with a short note on why I like the setup right now.

No strike prices. No expiration dates. No specific trade details. This is not a copy-paste service and I do not want it to be. The whole point is for you to take a ticker I am watching, run it through the scanner yourself, and find a setup that fits your own cost basis and risk tolerance. The goal is for you to eventually not need the watchlist at all because you understand the process.

Access Covered Call Dashboard

What It Looks Like In Practice

You open the scanner and type in a ticker. Let’s say .

The tool pulls the live options chain, runs the numbers, and surfaces an Our Pick card at the top. Something like:

Selling 2 contracts at the $267.50 strike expiring May 29 could generate approximately $280.00 in premium income. 67% chance you keep your shares. 33% chance you sell them at $267.50, which is 1.5% above today's price. Based on delta and yield criteria only. Not a recommendation — always do your own research and confirm with your broker.

That is it. That is the whole decision. You can expand any row to see the full math, the assignment probability, your break-even price, and the annualized yield. Every term has a plain-English tooltip so you are never left guessing what something means.

Want to see expiration dates that are further away? That’s also an option.

Who This Is For

If you already own shares and you are not selling covered calls against them, you are leaving money on the table every single month.

A stock like , , or with elevated implied volatility is throwing off premiums that most people have no idea exist. That premium is income you could be collecting right now on shares that are just sitting in your account.

This tool is for the investor who has been meaning to learn covered calls but never had a clean enough entry point. It is for the busy person who does not have two hours to decipher an options chain but can spend ten minutes following a clear setup.

But there is another investor this tool was built for.

If you have been holding YieldMax or Roundhill ETFs for the income and you are watching your NAV slowly get eaten alive, you already understand the frustration. You bought in for the yield. The yield is real. But so is the erosion. Every distribution you collect is partially offset by a share price that keeps drifting lower. You are running on a treadmill.

Covered calls are how you get off that treadmill.

Instead of paying a fund manager to sell options on your behalf and take a cut while your principal bleeds, you can own the underlying shares directly and sell the calls yourself. You keep 100% of the premium. There is no fund expense eating into your returns. There is no NAV decay built into the structure. You are doing exactly what MSFO and NVDY are doing, but on your own terms, with your own shares, and with full transparency into every number.

That is exactly what this tool is designed to make possible for someone who has never done it before.

You do not need to be an options expert. The tool assumes you are not. Every number is explained. Every setup comes with the reasoning behind it. And your data is private, saved to your account, building your personal track record trade by trade.

This Is a Founding Member Exclusive

The Covered Call Database is live right now and it is exclusive to Founding Members of this Substack.

If you are already a Founding Member, you have access today. The link is below.

If you are not a Founding Member yet, this is what your subscription gets you. Not just articles.

A full suite of tools built specifically to help you execute the strategies we talk about here.

1. Cain AI for portfolio analysis.

2. The Yieldly Dashboard for ETF research.

3. The High Yield ETF Database.

4. Now the Covered Call Database for generating income from your existing shares.

The market does not care how busy you are. It does not care that you have a full-time job or a family or forty other things competing for your attention. What it does respond to is having the right tools and knowing how to use them.

This is one of those tools.

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Access The Covered Call Dashboard

Access is exclusive to Founding Members. Not financial advice. Always verify with your broker before placing any trade.

You probably know someone like that. Maybe you have been that person.

A raise will not fix it. A second job will not fix it. What actually changes the equation is owning something that pays you while you sleep or grows in value.

If you’re living paycheck to paycheck, I want you to look around and assess the things you own.

Do you have the latest iPhone? Why?

Is your car worth more than what you have in savings? Why?

How often do you eat outside versus cooking at home? Why?

If these points apply to you, there’s a structural issue that you need to address. How do you expect to get rich if you’re spending all of your disposal income.

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I got my first corporate job at 19 while I was still in college. Good money for my age, stable, benefits, the whole thing. And about three months in I looked around and thought there is absolutely no way I am doing this for 40 more years.

I was making $2,800 a month after taxes and I committed $500 of it to investing every single month without touching it.

Not because I had it all figured out. Because I knew I needed a way out from that misery. I didn’t really have a clear vision of what ‘investing’ meant back then, but I knew I wanted control over my money.

I eventually scaled that number up every time my income grew, and eight years later I crossed $1,000,000 in invested assets. It started with exactly the kind of plan I am about to show you.

Here’s How I’d Split the $1,000

Before we get into the breakdown, let’s be clear about something.

$1,000 is not the destination. It is the proof of concept. The people who actually build wealth are not the ones who invested $1,000 once and waited. They are the ones who kept feeding the machine every single month, rain or shine, whether the market was up or down.

$500 a month into a disciplined portfolio will do more for you than a one-time $10,000 lump sum from someone who never touches their account again. Consistency beats capital every time.

So treat this $1,000 as your foundation. Then make a commitment to add to it regularly, even if it is $50 a month to start. The habit matters more than the amount.

Now here’s the split.

1. $600 goes to your foundation.

   1. These are your core holdings. Stable, diversified, and boring enough to hold for a decade without losing sleep. This is where your long-term wealth gets built.
      

2. $200 goes to your income layer

   1. This is the position that shows you dividends arriving fast. Monthly payouts, high frequency, builds belief that the strategy actually works.
      

3. $200 goes to your learning position

   1. One individual stock you actually know and believe in. This is where you start paying attention like a real investor.
      

That’s it. Three layers. One simple plan.

The next few sections break down exactly what I’d buy in each one and why.

First $600: Your Foundation

Most beginners make the same mistake when they first start investing. They either go too aggressive chasing the highest possible returns, or they go too conservative and park everything in something so safe it barely moves. Both approaches miss the point. The goal with this first $600 is to build something that grows your capital steadily over time, gives you broad exposure to the best businesses in the world, and is boring enough that you never feel the urge to sell it when things get bumpy.

This is not the exciting part of the portfolio. It is the part that does the heavy lifting while everything else gets the attention. Think of it as the engine under the hood. You do not see it working but without it nothing moves.

I’d split this between two positions.

Invesco NASDAQ 100 ETF: QQQM — $350

tracks the Nasdaq 100, meaning you own a piece of the 100 largest non-financial companies on the planet.

Apple , Microsoft , Nvidia , Meta , Amazon . The best businesses in the world, in one fund.

Think about what these companies actually do. They do not just survive recessions, they come out the other side bigger and stronger. Microsoft has its hands in cloud computing, AI, gaming, and enterprise software. Nvidia is the backbone of the AI revolution. Apple has over a billion loyal customers who upgrade their devices every two years without thinking twice.

When you buy QQQM you are not betting on one company getting it right. You are betting that innovation and technology continue to drive the economy forward. That is about as safe a long term bet as you can make.

Fun fact! QQQM is my largest holding in my portfolio.

This is your growth engine. It is not a high-yield position but that is not why it is here. It is here because your income layer needs a strong capital base to grow from. A portfolio that only chases yield without growing its underlying value is standing still. QQQM makes sure that does not happen.

Put $350 here and leave it alone.

Vanguard Total Stock Market Index Fund ETF: VTI — $250

The other $250 goes into VTI, which gives you exposure to the entire U.S. stock market in one fund. We are talking over 3,500 companies across every sector and size. Large cap giants, mid cap growers, small cap underdogs, all of it in a single ticker.

This is the absolute lowest risk way to invest your money.

Here is why that matters. No one knows which sector is going to lead the market over the next decade. In the 2000s it was financials. In the 2010s it was tech. In the 2020s it has been a mix of AI, energy, and consumer staples depending on the year. VTI removes the guesswork entirely. You own everything, so whatever wins, you win with it.

Where QQQM is concentrated on elite growth names, VTI is your broad diversification play. They work together without much overlap drama. QQQM handles the high conviction growth bet and VTI handles everything else the economy has to offer.

Together these two positions give a beginner something most people spend years trying to build: real exposure to the market’s long term upside without needing to pick individual winners.

👉 If you want to get involved with investors who love growing their wealth and talking about stocks, consider joining the paid subscription. 10% discount included.

Next $200: Your Learning Position

This is where you get to make a more personal choice. And it is where you start learning the most.

I would use this slice to buy one individual dividend stock, something you actually know and believe in as a business. Not because individual stocks are always better than ETFs, but because owning a single company teaches you something that owning a fund never quite does.

You start reading earnings reports. You notice when the company raises its dividend. You feel it personally when the stock dips and you have to decide whether to hold or add more.

The best part about starting here is that you do not need to go hunting for obscure names. Some of the best dividend stocks in the world are companies you already interact with every single day.

If I had to guess, you are probably familiar with these three companies and you know exactly how they make their money.

Apple - You probably own one of their products right now. Over a billion people do. Apple has built one of the most loyal customer bases in history, and that loyalty translates directly into consistent cash flow, share buybacks, and a dividend that keeps growing. The yield is modest but the capital appreciation that comes with it makes this one of the strongest long term holds on the market.

Coca-Cola - People have been buying Coke in recessions, wars, financial crises, and pandemics for over a hundred years. Warren Buffett has held it for decades and has no plans to sell. The dividend has grown every single year for over 60 consecutive years, making it one of the most reliable income stocks on the planet. Boring? Yes. Proven? Absolutely.

Walmart - When the economy gets tough, people do not stop buying groceries. They just start buying them cheaper. That is exactly why Walmart thrives when other retailers struggle. It has raised its dividend every year for over 50 consecutive years and continues to expand into e-commerce and healthcare, making it far more than just a big box store at this point.

Pick the one that resonates most with you. Learn the business. Own it with conviction.

Last $200: Your First Income Hit

Once you have your foundation and your individual stock picked out, this last $200 has one job: show you that the strategy actually works.

This is not about finding the highest yield. It is about building the habit and the belief that your money can pay you while you do nothing. That sounds simple but most people never actually feel it until they see it happen in their own account.

NEOS S&P 500 High Income ETF -

SPYI owns the S&P 500 and layers an options strategy on top of it to generate monthly income that is significantly higher than what a standard index fund would pay. You get broad market exposure to the 500 largest companies in America and a monthly distribution that typically yields around 10 to 12% annually.

That monthly cadence matters more than people realize. When you see income land in your account thirty days after you invested, something clicks. The strategy stops being theory. You start watching the position, tracking the payouts, thinking about what happens when they reinvest. You start caring in a way that a quarterly payer never quite triggers.

$200 in SPYI at a 10% yield is roughly $20 per year, about $1.67 per month. That is tiny. But that is not the point. The point is that your money just paid you without you lifting a finger. Once you feel that for the first time, you will never stop wanting more of it.

Turn On DRIP and Walk Away

This is the step most people skip because it feels too simple to matter. It is the most important thing you will do after making your first purchase.

DRIP stands for Dividend Reinvestment Plan. Every time one of your positions pays you a dividend, instead of that cash sitting idle in your account, it automatically goes back in and buys more shares. No action required. No decision to make. No temptation to spend it.

Here is why this is such a big deal. That $1.67 SPYI pays you in month one does not just sit there. It buys more shares of SPYI. Those shares pay their own dividend next month. Which buys more shares. Which pays more dividends. The loop never stops and it never needs your attention.

It feels completely invisible in year one. You will look at your account and wonder if anything is actually happening. It is. The math is just quiet at first.

By year two you start noticing. Your monthly income is slightly higher than it was six months ago and you did not add a single extra dollar. By year three it is obvious. The portfolio is genuinely feeding itself and the gap between what you put in and what it produces keeps widening.

This is the part nobody tells beginners about. The market gets all the attention. Stock picks get all the attention. DRIP just sits in the background doing the most important work of all, turning every dollar you earn into more dollars that earn more dollars.

One click. Leave it on. Never turn it off.

Final Thought: The First $1,000 Is Never About the Money

Remember those questions from earlier? The iPhone. The car. The takeout.

Nobody is judging you for any of that. The point was never to make you feel bad. The point was to show you that the gap between where you are and where you want to be is not about income. It is about where your money goes after it hits your account.

$1,000 invested with a plan beats $10,000 spent on things that do not pay you back. Every single time.

You now have the plan. The only thing left is to start.

IPO = initial public offering.; the first time a company is listed on the stock market and is available to the public

I’ll be honest: when something gets this much hype, my first instinct isn’t excitement. I tend to believe to stay away from IPOs because they generally perform poorly. For instance, IPOs have historically underperformed the rest of the market over time. The only exception was in 2021.

So let me walk you through exactly why I’m sitting this one out, and why a lot of retail investors are about to overpay for a dream.

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The Numbers Don’t Support the Valuation

Let’s start with the S-1, because the prospectus tells you everything you need to know.

SpaceX brought in $18.7 billion in revenue in 2025 and somehow managed to lose $4.9 billion doing it.

The expected IPO valuation sits somewhere between $1.5 and $2 trillion. That puts SPCX at roughly 80 to 110x price-to-sales. Not price-to-earnings. There are no earnings. Price-to-sales.

For comparison, Netflix is a high-growth, widely beloved tech company that trades at a fraction of that multiple. When Saudi Aramco, arguably the most profitable corporation on Earth, went public in 2019, investors accepted a valuation of about 6x yearly sales. It still traded below its IPO price for years afterward.

SpaceX isn’t asking you to pay 6x sales. It’s asking you to pay 80 to 110x sales for a company losing billions.

Investing For What Could Be

So why would anyone pay that? The thesis boils down to one word: optionality.

The idea is that you’re not buying SpaceX the rocket company. You’re buying a stake in every massive business it might become: Starlink internet, direct-to-cell satellite coverage, AI data centers, Starship cargo missions, xAI and the Grok platform, and eventually a permanent human colony on Mars.

Just list to the pure energy and excitement in this video.

That last one isn’t a joke. Elon Musk’s performance pay package in the S-1 is literally tied to establishing a human settlement on Mars.

Look, I’m not here to tell you Starlink isn’t a real business.

It has over 10 million subscribers and is growing fast. That’s legitimate. But the S-1 projects a $28.5 trillion Total Addressable Market (TAM), a number so large it’s essentially meaningless.

For context, that figure is comparable to the entire volume of global payment transactions. When a company needs to claim the entire global economy as its TAM to justify its valuation, that’s a red flag.

The Anthropic Deal

One of the headline revenue items in the filing is a deal to rent compute capacity to Anthropic for $1.25 billion per month. On the surface, that sounds transformative. But buried in the details is a clause that should give every investor pause: either party can cancel with just 90 days’ notice.

That’s a handshake with a timeout. It cannot be relied upon as a durable revenue stream, yet the market will likely price it in as if it were. Therefore, I wouldn’t be surprised to see positive momentum at first.

You Don’t Own What You Think You Own

Here’s the governance reality that most retail investors won’t bother reading: Elon Musk controls 85% of the voting power.

No matter how many shares you buy, you have no meaningful say in how this company is run. Musk is effectively unfireable. He can cross-pollinate business decisions across Tesla , Neuralink, xAI, The Boring Company, and SpaceX, and you have zero recourse as a shareholder.

The S-1 also discloses that SpaceX purchased 1,300 Cybertrucks at full MSRP from Tesla.

You read that right. The company losing $4.9 billion a year bought over a thousand electric pickup trucks from its CEO’s other company at full retail price while preparing to ask the public for money.

It Will Probably Pop on Day One. That’s the Trap.

Here’s the part that’s easy to miss: I actually think this IPO will have a strong debut.

SpaceX is only floating 4 to 5% of shares at IPO.

Float refers to the number of a company’s shares that are available for the general public to buy and sell on the open market, excluding locked-in shares held by insiders, founders, and major institutional investors.

The float is tiny. Demand from institutional investors and Musk loyalists will be enormous. Lock-up periods will keep insiders from selling. All of that creates upward price pressure regardless of the underlying financials.

This is textbook IPO mechanics. A small float plus massive demand equals a pop. That pop then gets covered breathlessly by financial media, retail investors pile in, and insiders eventually unlock and sell into that enthusiasm.

We’ve seen this movie before. It doesn’t usually end well for the people who bought tickets after the opening weekend.

If You Want Space Exposure, There Is a Better Way

Here is what frustrates me about the SPCX hype: investors who genuinely believe in the future of space connectivity are being handed a $2 trillion valuation and told to take it or leave it. You don’t have to.

Earlier this year, I issued a buy alert on AST SpaceMobile , a company building the world’s first space-based cellular broadband network that connects directly to standard smartphones. No dish. No special hardware. Just your existing phone, connected via a satellite acting as a cell tower in Low Earth Orbit.

The contrast with SpaceX couldn’t be sharper:

ASTS has already validated the technology, making the first-ever 5G call from space. It has secured over $1 billion in contracted revenue commitments from partners like AT&T and Verizon . It carries $3.2 billion in pro-forma liquidity on its balance sheet. And it is doing all of this at a fraction of the valuation SpaceX is demanding.

Since my buy alert, ASTS is up over 34% and has outperformed both the S&P 500 and the Nasdaq.

For the full ASTS breakdown including my valuation model and price target, check out the original article here.

I am not saying ASTS is risk-free. Launch cadence is a real variable, and space is hard. But when I am comparing a company asking 80 to 110x sales with zero earnings against a well-funded infrastructure play with real contracts and validated technology, the choice becomes clear to me.

If space is the future you want to invest in, you should be paying a fair price to get there.

What Dividend Investors Should Actually Do

None of this means space is a bad business or that Starlink won’t be massive. It might be. But there’s a difference between an interesting company and a good investment at a given price.

At 80 to 110x sales, with billions in annual losses, a CEO who answers to no one, and a float engineered to create artificial scarcity, SPCX is not priced for investors. It’s priced for speculators.

My portfolio is built on cash flow. Companies that pay me every month whether the stock goes up or down. That income compounds, it’s predictable, and it doesn’t require a Mars colony to materialize.

SpaceX might be the most fascinating company in the world. But I’m not buying a story at $2 trillion. I’m letting the hype cycle run its course. If in 12 to 18 months the business has matured, earnings are visible, and the valuation has come back to earth, then we can have a real conversation.

Until then, I’ll keep collecting my dividends and buying high quality growth positions.

Always do your own due diligence before making any investment decision. This is not financial advice.

What if we told you it’s now up over 3,400%?

And what if we told you it’s not Nvidia? It’s not a software company. It’s not an AI darling with a flashy product launch. It’s a chip maker. Specifically, a company that makes the little flash memory cards you used to put in your digital camera or in the side of your laptop.

That company is Sandisk . And before you roll your eyes and say “bubble,” hear me out. Because what’s happening here is one of the most interesting structural stories in the entire semiconductor market, and most investors are still explaining it wrong.

👉 $10,000 invested 12 months ago would now be worth $381K. Crazy!

Here’s the question worth sitting with: what happens when a commodity business stops acting like a commodity? What happens when the buyers: the Microsoft , the Amazons , the Googles of the world, stop negotiating on price and start signing multi-year, multi-billion-dollar contracts just to make sure they can get the product at all?

You get 251% revenue growth. You get gross margins of 78%, heading toward 81%. You get $41.6 billion in locked-in future revenue signed in a single quarter. You get a stock that looks expensive until you run the math, and then suddenly it doesn’t.

This is that story. And by the end of it, you’ll understand not just what happened with Sandisk, but where the next leg of this trade is setting up. This is why might be where the real money is still waiting to be made.

We have some smart investors in the paid group who were on it before me.

👉 If you want to get involved with investors who love growing their wealth, talking about stocks, and investing in high quality businesses, consider joining the paid subscription. 10% discount included.

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BY THE NUMBERS: Q3 FY26

These aren’t the numbers of a cyclical commodity business. These are the numbers of a software company that happens to manufacture physical chips. So how did we get here?

The Commodity That Stopped Acting Like One

Microsoft, Amazon, Google, Meta are no longer buying enterprise flash memory as interchangeable storage. They’re treating it as core AI infrastructure. When your inference models need to maintain context across millions of simultaneous sessions, when KV cache architectures demand low-latency retrieval at massive scale, NAND flash becomes the connective tissue of the entire operation.

We covered this dynamic in our Tech Earnings Roundup: Microsoft’s $190 billion in 2026 CapEx isn’t discretionary. It’s fulfilling signed contracts. Memory suppliers like Sandisk are on the receiving end of that urgency.

The numbers back it up. Sandisk signed three multi-year supply agreements in Q3 FY26 alone, with two more closed before Q4 ended. Over 30% of fiscal 2027 NAND supply is already sold under long-term contracts, with management targeting above 50%. The $41.6 billion in remaining performance obligations -- backed by prepayments and financial guarantees -- isn’t a talking point. It’s protection against the exact cyclical downturn that NAND bears keep predicting.

Why AI Inference Changed Everything

The mainstream narrative around AI infrastructure starts and ends with GPUs. Nvidia is the pick-and-shovel play, full stop. That framing was never completely wrong. It was always just incomplete.

Think of it this way. A GPU is an engine.

Powerful, fast, expensive.

But an engine without fuel storage doesn’t go anywhere. Every time a large language model processes your query, it needs to retrieve enormous amounts of context: prior conversation, reference documents, intermediate reasoning steps. That data has to live somewhere fast and dense. DRAM is too expensive at scale. Hard drives are too slow. Enterprise NAND flash is the Goldilocks solution.

We’ve written about this before. In AI-Resistant Dividend Stocks, we made the case that the real constraints in the AI buildout aren’t software or even chips. They’re physical infrastructure. You can ship a thousand Nvidia H100s in a week. You can’t build the storage and memory infrastructure to support them anywhere near as fast.

As AI has evolved from training runs toward always-on inference and agentic workloads, storage requirements have grown exponentially. RAG pipelines, persistent state, multi-modal processing. All roads lead back to high-performance NAND flash.

The data center share of the NAND market is projected to grow from 30% today to 50% by 2030, even as the total market expands. The data center slice is growing faster than the pie.

Sandisk saw this coming. Their enterprise SSD portfolio, including the new QLC Stargate series co-developed with SK hynix, is purpose-built for data center workloads. That’s why gross margins sit at 78.4% heading toward 81%. That’s not hardware economics. That’s infrastructure economics.

You now know the thesis. What comes next is how to actually act on it.

Below I break down exactly how I’m sizing this within the wheel, which name I personally prefer right now, my three-tranche entry structure, and the specific triggers that would cause me to exit entirely.

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It is called a Form 13F, and it is one of the most underused tools in a retail investor’s arsenal. Any institutional manager with over $100 million under management must file one within 45 days of each quarter ending. The result is a public, searchable record of their entire long portfolio, updated four times a year.

There are caveats. The 45-day delay means you are seeing where they were, not necessarily where they are going. Short positions are excluded. And no single investor has a perfect track record. But when you see the same names appearing across multiple high-conviction funds, or when a legendary investor makes a dramatic, unexpected move, it is worth paying very close attention.

This quarter delivered plenty of both. Here is what the filings are telling us, and what it means for your investment portfolio.

1. Funds Are Loading Up on Microsoft and Google

Two of the world’s largest funds made major moves into Microsoft and Google this quarter, and the size of these trades is worth paying attention to.

TCI Fund Management, a $45 billion London-based hedge fund run by billionaire Chris Hohn, built a significant new position in Google this quarter, moving it up to 5% of the entire portfolio. Meanwhile, Pershing Square, Bill Ackman’s flagship fund, went the other direction and built a brand new $2.1 billion position in Microsoft, with Ackman describing it as a high-conviction long-term bet on the company’s AI monetization potential through its 450 million Microsoft 365 users.

13F Filings: TCI Fund Management Q1 2026 | Pershing Square Q1 2026

When funds of this size make concentrated moves into specific stocks, it usually signals a high degree of conviction in the long-term thesis, not a casual trade.

I personally own both and am happy holding both. But if you are asking where I see the better entry point right now, it is Microsoft. I covered the full thesis in “Microsoft Is Extremely Undervalued”.

I am now up more than 100% on my Google position, so entry here just isn’t as attractive. However, the market is currently treating Microsoft’s AI infrastructure spend as a liability. I think it is the opposite.

2. Dev Kantesaria

Dev Kantesaria runs Valley Forge Capital, a concentrated, high-conviction fund known for owning only the highest-quality businesses. His top holdings as of Q1 2026 include (Fair Isaac), S&P Global , Mastercard , and ASML .

The problem? He is down roughly -20% year-to-date, a painful stretch for a manager who has historically been one of the more disciplined quality investors in the game. You’ll also notice that his portfolio holds only 7 companies.

This is actually a topic we have already dug into. In “The Software Apocalypse”, I walked through why the market is hammering S&P Global and Moody’s on AI disruption fears and why I think that thesis misses the mark entirely. These companies own proprietary, non-public data that AI models cannot legally train on. Billion-dollar institutions are not firing Moody’s in favor of a chatbot. Kantesaria’s thesis is sound, but the market is punishing him anyway in the short term.

His ASML holding is another name we have been accumulating here. I initiated a position in ASML in May 2025 and have been adding ever since. It is up over 100% from my entry and I still think the business can compound at roughly 15% annually for the next five years.

👉 Paid subs can get my buy alerts first. Here’s a limited time 20% discount.

This is a useful reminder that even “safe,” high-quality businesses are not immune to drawdowns, especially when valuations are elevated going in. Concentrated quality portfolios can get hit hard during rotations.

13F Filing: Valley Forge Capital Q1 2026

3. Berkshire Is Selling... A Lot

Warren Buffett’s Berkshire Hathaway continued its trend of reducing holdings this quarter, trimming across a number of positions. Berkshire has now been a net seller of equities for several quarters running, and the cash pile sitting on the balance sheet has grown to historic levels as a result.

To put that in perspective: Berkshire is currently sitting on more cash than most countries hold in foreign reserves. Buffett has always said he would rather hold cash than deploy it at prices he considers unattractive. The fact that he keeps choosing cash over stocks tells you something about how he views current valuations.

For dividend investors, this is worth sitting with. Berkshire is often used as a rough barometer for value availability in the market.

When the most patient, disciplined capital allocator alive keeps choosing to do nothing, it is at least worth asking whether you are getting truly great prices on the names you are adding to, or whether you are paying up for quality in a market that is still historically expensive.

That does not mean you stop investing. Dollar cost averaging into great businesses works regardless of what Buffett is doing. But it is a useful gut check when evaluating whether a position is genuinely attractively priced or just “less expensive than it was six months ago.”

13F Filing: Berkshire Hathaway Q1 2026

4. They’re Buying Uber

Pat Dorsey, the former director of equity research at Morningstar and a widely respected expert on economic moats, opened a new position in Uber this quarter.

Dorsey is known for only owning businesses with durable competitive advantages, so a new buy from him is worth paying attention to. Uber’s moat argument centers on its network effects: more riders attract more drivers, which attracts more riders, in a self-reinforcing loop that is increasingly hard to displace. The platform is also expanding beyond ride-share into delivery, freight, and autonomous vehicle partnerships, such as with Rivian .

Interestingly, in “There’s Always Something to Worry About”, I covered the bear case against Uber, specifically the argument that AI agents could route orders to generic couriers and bypass the platform entirely. My take was that the network effects are more durable than the bears give credit for. Dorsey opening a position this quarter suggests he lands in the same camp.

Uber does not pay a dividend today, but it is the kind of capital-light, network-effect business that could become a meaningful cash returner in the years ahead.

13F Filing: Dorsey Asset Management Q1 2026

5. All-In on Amazon

Alta Rock Capital made a big portfolio bet on Amazon this quarter. Amazon is increasingly a story about AWS (cloud), advertising, and AI infrastructure rather than just retail. For a fund that concentrates in its highest-conviction ideas, a large Amazon position signals real confidence in those secular growth drivers.

As I argued in “Everyone Is Wrong About Amazon (And The Tariffs)”, the market has been mispricing Amazon badly. Between the hidden $100B Anthropic stake on the balance sheet and the severely undervalued advertising business, there is a lot of value that the headlines simply miss. It is reassuring to see a concentrated quality fund arriving at the same conclusion.

I have roughly $40k in Amazon and if I had the capital, I would double my position. I believe that we will see eventually reach a $10T market cap in our lifetime.

13F Filing: Alta Rock Capital Q1 2026

6. They’re All Betting Big on AI

Brad Gerstner of Altimeter Capital, one of the most prominent tech-focused investors, has been leaning heavily into AI infrastructure plays. His thesis is that the current wave of AI investment is still in early innings, and the companies building the foundational infrastructure (chips, cloud, models) will compound for years.

This aligns with a broader theme across the Q1 filings: smart money is not fading AI. They are picking which AI winners will have durable, defensible moats. In “The AI Crucible”, I outlined why ASML, Microsoft, and Meta are the three companies whose results would determine whether the AI narrative holds. That framework still applies here.

13F Filing: Altimeter Capital Q1 2026

7. Chuck Akre’s Fund Faces Headwinds

Chuck Akre built one of the greatest long-term track records in investing through Akre Capital Management, concentrated in compounders: businesses that can reinvest at high rates for long periods. The fund’s largest holdings have historically included names like Mastercard, Moody’s, and Airbnb.

The concern heading into the current environment is that many of Akre’s core holdings are richly valued, and the fund has already seen trimming of positions like Mastercard and American Tower. With Akre himself retired and the next generation managing capital, the next few years will be a real test of whether the process holds up.

Mastercard and Moody’s are names I have written about extensively here. In “There’s Always Something to Worry About”, I covered why the AI disruption fears around Mastercard and Visa are overblown and why the payment networks remain some of the most durable moats in existence.

13F Filing: Akre Capital Management Q1 2026

Takeaway

Here is the honest summary: the super investors are not in agreement right now. Billion-dollar funds are making opposite bets on the same stocks. Quality-focused managers are getting punished by a momentum-driven market. The greatest value investor alive is choosing cash over equities.

What does that mean for you?

It means the old rules still apply. Valuation matters. Buying great businesses at bad prices still leads to bad outcomes, even if the business is genuinely great. AI disruption is real but nearly impossible to predict with precision, and the 13F filings this quarter prove that even the smartest money in the world cannot agree on who wins and who loses.

But here is what I keep coming back to.

Whether you are building a dividend income machine or compounding growth stocks for the long run, the investors winning over decades are not the ones making the loudest calls. They are the ones who stay disciplined, buy quality at reasonable prices, and let time do the heavy lifting.

That is exactly the framework we use here. Every month I share what I am buying, what I am watching, and where I think the best risk-adjusted opportunities are across both income and growth.

If you want buy alerts the moment I am adding to positions, plus founding member access to CainAI to ask what billionares are buying, now is the time to upgrade.

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Stay the course. Own quality. And let compounding do what the billionaires cannot seem to agree on.

Disclaimer: This is not investment advice. Always do your own research and consult with a financial professional before making investment decisions.

It’s your own psychology. Stop trying to fight positive momentum.

Right now, millions of people are watching their purchasing power erode in low-yield cash accounts because they have been convinced that everything is “too expensive” and a market correction is right around the corner.

By focusing entirely on what could go wrong, they are actively missing out on a massive, data-driven wealth cycle that is currently happening. My portfolio is now up more than 31% YTD because I ignored all the doomers.

Do you ACTUALLY think you’re smart enough to sit on the sidelines…avoid a crash…then re-enter the market at the very bottom?

This article is your direct roadmap to shifting from a defensive, fear-driven mindset to an offensive, data-backed strategy. I’ll show you the data on why the markets are going higher. I will also teach you some methods on how to:

• Exploit the exact macro headlines that are paralyzing retail investors and use them to entry-point your positions.

• Use sophisticated options infrastructure to extract reliable, massive cash flow to fund your life today while the market does the heavy lifting.

• Locate quality positions while the rest of the market declines.

By tuning out the macro noise and looking at the raw math of free cash flow, regional monopolies, and ultra-high-yield options infrastructure, you will see exactly how easy it is to outpace the broader market and build a sustainable, seven-figure stream of passive wealth.

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AI Is Like The Early Internet

To understand the scale of the opportunity in front of us, you have to look back at the late 1990s. The current deployment of artificial intelligence is mirroring the early days of the internet in terms of pure, raw growth potential.

We are seeing the same kind of rise in AI, as we have in the early 90’s with traditional internet searches. Whether you like it or not, AI is here and it will only expand. The data clearly supports that the size of the AI market will continue to expand. Use and invest in AI or get left behind.

Just like the web completely rewrote the rules of global commerce, communication, and productivity, AI is structurally altering the margin profiles of modern enterprises. The revenue acceleration we are seeing from companies successfully integrating automated infrastructure is a mathematical echo of the dot-com boom.

If you sit on the sidelines because you think the tech sector has run too far, you are missing out on a generational shift in how wealth is generated.

However, while the upside potential feels identical to the rise of the internet, the risk profile of this era is completely different.

During the dot-com bubble, investors lost everything by chasing unproven, speculative concepts with zero revenue, zero free cash flow, and zero path to profitability. Today, the landscape has flipped. The dominant players leading the AI charge are not flimsy startups; they are massive, highly profitable tech monopolies backed by Fort Knox balance sheets and billions of dollars in free cash flow.

The danger today isn’t that these businesses will go bankrupt, but rather that a distracted market will panic over their massive capital expenditures, completely missing the high-return, automated future they are actively building.

👉 I’m investing in all of these companies to get exposure to massive AI growth.

Price is Nothing Without Earnings

Open any financial news app and you’ll see the same warning: “The S&P 500 forward P/E is over 22x. The market is at an all-time high. It’s an irrational bubble.”

This is a amateur mistake. Looking at a price multiple without looking at the growth rate is completely useless.

The market isn’t pushing highs because of hype; it’s pushing highs because corporate earnings are exploding. Look at the actual data from the Q1 earnings season that just wrapped up:

• Earnings Growth: The S&P 500 posted a 27.7% year-over-year earnings growth rate. That is the strongest fundamental expansion we’ve seen since 2021.

• Revenue Growth: This isn’t just accounting tricks or cost-cutting. Blended revenue grew 11.4% year-over-year, marking the fastest top-line expansion since mid-2022.

• Profit Margins: Driven by tech sector efficiency, net profit margins hit a record 13.4%.

Doomers see a 21x multiple and panic because of surface level charts. What they fail to understand is basic math: if a company increases its underlying earnings by nearly 30%, its stock price should rise by 30% just to maintain the exact same valuation.

When you factor in this growth acceleration, the market’s Price-to-Earnings-to-Growth (PEG) ratio sits right around 1.0. In institutional investing, a PEG of 1.0 means you are paying a perfectly fair price for the growth you are getting.

The market isn’t overvalued. The crowd just doesn’t know how to price forward growth.

Extracting Passive Cash Flow With Options

Recognizing that the market isn’t overvalued is only half the battle. The real mistake retail investors make is buying a great asset and just sitting on it for five years, waiting for capital gains.

You don’t need to wait for a stock to double to build wealth. You can use advanced options infrastructure to turn these highly profitable tech monopolies into immediate, high-yield cash-flow engines.

I’ve now generated exactly $1,072 in option premiums THIS MONTH from my existing long positions. Add on the ~$3k I’ll receive from dividends this month and we have a powerful passive income stream.

Beginners Guide For Option Writing

Here is exactly how that mechanism works:

• The Volatility Premium: Mega-cap tech names attract massive retail hype and constant financial media panic. That emotional chaos creates high implied volatility. Higher volatility means the option premiums on these stocks are artificially inflated.

• Turning Fear Into Income: Instead of speculating on short-term price movements like a gambler, sophisticated investors sell that volatility back to the market. By utilizing modern covered call structures and high-yield option ETFs focused on the tech sector, you are effectively letting the “doomers” pay your bills.

• Immediate Cash Flow Over Speculation: This framework allows you to extract double-digit distribution yields from the exact companies driving the market’s growth. The underlying corporate earnings back up the share price, while the structural options infrastructure strips out consistent cash flow to fund your life today.

If the market moves sideways or ticks down temporarily, you collect massive premiums. If it pushes higher, you win on the underlying fundamental strength.

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Stop playing defense with low-yield cash accounts. Use the market’s psychological volatility to build an offensive, seven-figure stream of passive income.

How to Locate Irreplaceable Assets

You don’t build a sustainable portfolio by chasing the trendiest AI startup on Twitter. You build it by identifying the companies that own unbypassable toll booths in the modern economy.

When the broader market panics over macro headlines, you need a rigid, math-based filtering system to locate high-quality positions while everyone else is selling. Look for three specific metrics:

• Free Cash Flow Yield: Avoid speculative hype. Look for companies with billions in realized, free cash flow. If a business can self-fund its own expansion without relying on high-interest debt, its survival and growth are mathematically guaranteed.

• High Operating Leverage: Focus on companies where revenue grows at a healthy clip, but net income grows twice as fast. This indicates automated infrastructure and a highly scalable business model that expands profit margins automatically.

• Structural Moats: Look for regional monopolies or critical infrastructure providers. If the entire global technology ecosystem must use a specific company’s hardware, memory, or cloud computing capacity to function, that company wins regardless of which front-end software application succeeds. This was the case with ASML and why the stock has run so far.

When the crowd panics over short-term interest rates or political headlines, these fundamentals create an absolute floor for value.

Conclusion: Transition to Offense

Sitting on the sidelines in low-yield cash accounts isn’t “safe”. I would argue that it is a guaranteed way to watch your purchasing power erode while missing a generational wealth cycle.

The data doesn’t lie. Corporate America is delivering record-shattering earnings growth, profit margins are at historic highs, and the market’s forward growth fully backs up its current valuation.

Stop letting doomer psychology dictate your financial future. Tune out the macro noise, look at the raw math, and deploy sophisticated options infrastructure to extract reliable cash flow from the strongest companies on earth.

The market is doing the heavy lifting. All you have to do is position yourself to collect the check.

When CAVA had its IPO, everyone dismissed it as another Chipotle . I actually looked at the numbers and then I invested. CAVA made me upwards of 250% in a year.

On a YTD basis, the portfolio continues to do well.

• My Portfolio: 31.8%

• US Stocks: 9.12%

👉 I’ve published several buy alerts that experienced massive runs this year.

1. Data center power stock - up 155% since alert.

2. Weekly paying ETF - up 40% since alert.

3. Energy stock paying a 15% yield - up 13% since alert.

I have located a few positions where the same cycle is happening. Everyone naturally wants to stay away from the market right now because everything is ‘overvalued’. There are several high quality positions out there that are being dismissed and I see great opportunities that I wanted to share.

In this exclusive breakdown, I am showing you four specific wealth machines that are the most obvious winners for the next three years. These are high-conviction plays backed by raw data that a distracted, fearful market is currently mispricing. I have selected two growth engines positioned to dominate their regions and two income powerhouses designed to pay for your life today while the market handles the heavy lifting.

Upgrading to a paid subscription ends the guesswork. You move past the surface-level fear-mongering and get access to deep-tier analysis focusing on margin expansion, cash flow dominance, and the structural advantages these picks hold over the rest of the market. If you want to see the exact data and the specific strategy I am using to position myself for 2026, the details are below.

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