⚡️ High-Yield, High-Risk Dividends – August 2025 Roth IRA Update

My Roth IRA continues to be the home for highly speculative, high-yield ETFs. These option-income funds generate outsized cash flow compared to traditional dividend stocks, though the payouts can vary widely month-to-month. Importantly, every dividend here is being reinvested to maximize compounding inside the Roth — completely tax-free.

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📊 Recent Dividends (August 2025)

• YieldMax PLTR Option Income ETF (PLTY) – $79.60 (Aug 15) – Reinvesting

• YieldMax Ultra Option Income ETF (ULTY) – $15.30 (Aug 15) – Reinvesting

• Roundhill TSLA WeeklyPay ETF (TSLW) – $17.38 (Aug 12) – Reinvested

• Roundhill NVDA WeeklyPay ETF (NVDW) – $23.11 (Aug 12) – Reinvested

• YieldMax Ultra Option Income ETF (ULTY) – $10.72 (Aug 8) – Reinvested

• Roundhill NVDA WeeklyPay ETF (NVDW) – $10.81 (Aug 5) – Reinvested

• YieldMax Ultra Option Income ETF (ULTY) – $1.86 (Aug 1) – Reinvested

👉 Total High-Yield Dividends (Aug 1–15, 2025): $158.78

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🔎 Key Highlights

1. Biggest Contributor – PLTY (YieldMax PLTR ETF) led the way with $79.60 on Aug 15, half of the total high-yield income this period.

2. Multiple Payouts – ULTRA (ULTY) alone paid three times this month, showcasing just how frequent distributions can be with these funds.

3. Tech-Focused Exposure – With TSLA and NVDA weekly income ETFs in the mix, the portfolio is heavily tied to tech-sector performance — both a risk and a potential reward.

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📈 Strategy & Outlook

• Tax-Free Compounding: Since this is in a Roth IRA, every dividend reinvested is building tax-free future income.

• Risk Acknowledgement: These yields are exceptionally high because they’re powered by derivatives and covered-call strategies. Payouts are not guaranteed and can be volatile.

• Snowball Growth: Even small reinvestments like $1.86 from ULTY add to share count, which then earns future dividends.

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✅ Takeaway:
August 2025 (so far) has already generated $158.78 in high-yield dividends in my Roth IRA. While speculative, reinvesting every penny ensures the income snowball continues to grow inside a tax-free account. The power of compounding here is huge — but so is the volatility.