$58,050 in One Month?! My Passive Income Portfolio Just Went Nuclear! HOW?

[Music] Hello everybody. $58,000 in monthly income. Yes, it's a new record for my portfolio, but $58,000. How is that possible? And I'll tell you right now before you're thinking that, oh, okay, $58,000 not hard when you've got a portfolio in the tens of millions of dollars. Of course you can. That's not my league. Uh-uh. That's not true. My portfolio size is really very modest in size, just into the $1.7 million range, and yet I'm generating up to $58,000. I want to show you how to do it. Today is going to be a video on my month-end October review of my portfolio. If you stick with me through this video, I'm going to give you all the metrics, all the analytics to show you what my portfolio looks like and show you how I was able to generate $58,000 in one month.

All right, my name is Perry and welcome to my channel, The Pyiverse, and uh I'm hoping you're going to enjoy this video. So, let's get right to it. I'm going to try to keep this thing within a a relatively short time frame.

Okay, so before we go any further, I just want to give you guys a notice to all viewers that um I am not a licensed nor trained financial investment or tax expert. Uh I'm just a retail investor with a passion for investing, sharing my experiences along the way. Do not take any of this content, thoughts, or opinions as financial advice. Do your own research. Consider professional advice before investing. And again, this content is for fun and entertainment only. So, hope you are educated or at least entertained.

So, let's get going. I like starting this away so you people understand, so my viewers understand what my agenda is so you know where we're going from step to step. I will have chapters for each one of these. So, for those of you want to jump around in this video, I will have chapters for each one of these items. We're going to start with an intro and a portfolio background because I do have a lot of subscribers, but a lot of you are coming into this video for the first time and don't even know who I am. So, I'm going to give you a portfolio background as well as an intro. Uh, this month, uh, it's going to give you I'm going to then give you this month's highlights for my portfolio. I do this video every month. So, every month I want to do a portfolio highlights, and that's what this is. This one's going to be. I will follow it by a giving you a previous versus current month-end metrics. So every month what I do is I move last month's uh numbers over to the last month's column and I show you what my current metrics are for this month. So you could see the change of my portfolio as it moves from month to month. Then I'm going to do what's called looking under the hood of my Pyiverse. I call Pyiverse, it is the name of my portfolio. It's the name of my channel. So, my port my income portfolio I refer to as the Pyiverse and we will be looking under the covers of my portfolio. Then we're going to do looking forward and conclusions and that'll be the end of the video. All right, so stick with me and I hope you find this ride entertaining.

So, let's start with an intro and a portfolio background. So, first thing I want to say is I produced a month-end review of this video for my income portfolio every month as I already said and this is the month-end because this is November 1st when I recorded this and this is for October 2025 and it was a spectacular month for me. October was another month income monthly income record-breaker. I set a new monthly income generated of $58,050 for my income portfolio. And just to give you guys a highlight, August, just two months ago, was my previous record when I broke uh $52,400. So, um this month basically broke a record that I set almost two months earlier. Let me give you some insights of what uh uh of uh how this record was possible.

So, background of my Pyiverse income portfolio. For those of you that don't know what my portfolio is, let me give you an idea. Again, for those that think that my $58,000 a month was generated on some kind of $10 million portfolio, it's not. It's far more modest than you guys think. and you're going to realize that well geez I'm retired I have a portfolio that size because honestly my portfolio is not any much bigger than the average employ uh person that has worked their entire career saved up some money had a company pension and you'll notice that my portfolio isn't much bigger than anybody else's and matter of fact in many cases smaller and yet I'm generating this kind of monthly income so let me give you some details of my my my background on this portfolio so again my name Perry and I retired two years ago, October 2023. And this income portfolio funds my entire retirement. My portfolio was built through 2023, transferring all my old bank managed accounts and cashed out my pension throughout 2023 to get ready for my retirement in October of 2023. So, in February of 2023, I had no understanding even what covered call ETFs were about. I didn't know about high income, high yield uh uh uh strategies. I started out in February of 2023 and by November of 2023, I was completed. I'm saying it right here. I completed the full rebuild. Uh and so here are some of the initial metrics when my portfolio, I guess, started cruise control. So all of 2023 my portfolio was going from zero to the size it was uh at its mature let's say level cruising state and here are some of the metrics in November of 2023 my initial nav at that time once I transferred my company pension and all my TFSAs RSPS las and non non-registered accounts over my initial NAV was $1.28 million. My first full month of distributions would have after that final uh threshold was re reached in December of 2023 was $19,000 or approximately a yield of 18%. I wanted to give you this number so you could see how much my portfolio has grown in the last two years since I've done this, since I started.

My portfolio is self-funded. There is no external sources of income feeding my portfolio. Since I'm retired, I have no employment income. I am not contributing anymore to this portfolio. It is fully self-funded. What it does, it it generates its own income for its own reinvestment. So, that's what I mean by it's self-funded. I do not add any more and I have not added any more to this portfolio since November of 2023. My portfolio is what I refer to as being in full consumption phase. There's no with an annual withdrawal withdrawal rate of 13%. So what I'm saying here is that if those people that are new to investing, there are two major phases for for your investment strategy or your your portfolio to be in. One is the contra the the accumulation phase and that is what you've done most of your life when you've been working at your job and putting $5,000 into your portfolio every month or into your RRSPs or if you're American into your Roth or your IRA. That is the accumulation phase. That is where you are serving the portfolio and the portfolio is not serving you. You are basically subservient to it by having to keep on growing it and building it up so you can get ready for that financial independence of retirement in your later years. And I'm going to also say FIRE, which is financial independence, retire early for those of you who are young enough and able to take advantage of of these investments now and can actually retire even earlier than me at 60. So, I'm doing that and since December of 2023, my average annual uh withdrawal rate is 13%. So, it's roughly 13%. Again, if you're a growth portfolio um uh uh retiree, chances are your number is not going to be close to 13%, you're going to likely be using that that magical 4% withdrawal rate that is used by a lot of the growth investors. I'm at 13% and I'm at that number very comfortably. And what does that mean 13%? Well, in 2024, my portfolio not only did not receive any any external income, it actually had to pay out to around $200,000. And my projected withdrawal from my portfolio for 2025 is also around $200,000. 2024 was a little bit higher, but I'm just averaging it to that number. It was actually about 220,000, but I'm just going to say 200,000. And I'm 2025 is looking like it's going to have the same amount of money. So, I am taking $200,000 out of my portfolio every year. So, keep that in mind when you're looking at my portfolio's progress and performance.

All my income producing cover call ETFs are in sheltered accounts. So, again, apologies for American viewers or anyone else around the world. I'm a Canadian and so I'm using Canadian tax shelter accounts called RIFFs and LIRFs and TFSAs. So these are all tax shelter accounts to basically defer or to actually fully shelter all growth of of investments inside of them. And so I just all of my cover call ETFs generate their income within my sheltered accounts. I do not hold any of my income generating cover call ETFs outside of a sheltered account. So what is my breakdown? About 89% of my portfolio is covered call ETFs and the other remain and and other derivative uh uh derivative ETFs because not everything is covered call ETFs. I wanted to make sure people knew that there are other kinds of derivative things like swap agreements and that but all of them are basically 89% of my portfolio. The remaining 11% is is three of my pure stock high torque growths. These are high-risk investments. I usually I I'll call it my play money. It's my growth stocks that I look for high torque very high growth. Uh but they are very risky and two of them are not doing that well as well. But the other one is actually a rockstar. So that is what it is. I hold those in my unregistered and the others I all all my growth stocks I hold in my non-registered.

So let's go through my October's month-end review. And I hope you're still sticking with me. So what we're going to do is these are my month highlights. So these are the things that happened throughout October. Just so you knew some of the things that happened that that basically influenced my portfolio. So again, you already knew one thing. October set a new monthly income record where my portfolio generated actual $58,050 that was money that actually landed as cash in my cash balance of my portfolio's accounts. So how did I do it? Well, first of all, October was a five-week month. So, how does that mean anything for anybody that doesn't run an income portfolio? A five-week month. There's only was three of them this year. One was in May, one was in August, and one was in October. Because my income is being generated now, not only monthly, but it's actually generated now weekly. The more weeks you have in a month, the the higher your your results are going to be for for that month. Well, October was five weeks. So instead of getting my average four weeks of income generation and payments, I actually got an additional week. So that is one way of me reaching $58,000. My average is is smaller than that. And we're going to talk about what that is, but not much smaller. I've just added another week. And that's why a major reason why October was a new record setter. And again, it beat August's record setter, which was also a five-week um month, which was, I believe, $52,400. So, I did better even against the other five five-week months. Another reason why I hit $58,000 this month is that I'm starting to see the fruits from my September's rebalancing shakeup. I had some really big ones. I did an R a QDT RDTE uh uh transition to some weak pays and I also closed my BKCL uh ETF over to a higher yielding CANY. So all of those combined were factors that happened in September and they were starting to reap the rewards because I moved these o these uh the the proceeds from these sales over to ETFs that are generate actually a higher yield and so I'm seeing some results there. And finally, the other reason why it's going up over let's say August uh record was because I continue to reinvest and rebalance through October uh as start and those rebalances and reinvestments that were happening even in October were actually starting to contribute to my income as well. Especially now that I have a lot of weekly paying uh distributions, um it doesn't take long. The granularity is so much higher now that I actually get rewarded quicker when I actually reinvest in something. I don't have to wait till the next month. Now I only have to wait till the next week to actually see rewards of moving into a new or adding more units into an existing cover call ETF. So that is another nice thing about weekly pays.

All right. Uh there was three big rebalancing moves that happened through the month and I'll tell you what they are. First of all, I completed my close of BKCL position and I added to Evolve's Canny and I also added to Harvest's new RDDY on its inception day last month. Um why did I pick RDDY? Because right out of the gate, as soon as they they released it that day, RDDY's stock dropped uh its ETF price dropped from $12 right down to about $9 something. So, I figured, okay, I like buying deals and so I actually took some of the cash and actually invested in RDDY so I can get it at a lower cost uh uh unit per unit. Uh I also closed my some HHIS positions in my TFSAs and I added to Evolve's Biggie and to Granite Yspy and TQQY. And there is a video on this rebalancing. And I'm also going to say that there was another one on right around the same time. I also decided to make another big rebalance. And I was starting to close my Coney positions. And I closed all my Coney positions in my two TFSAs. None of my other accounts have closed Coney, but I did close them in my in my TFSAs. And I moved those proceeds over to Roundhill's COIW position. And there's a video on both of these. You can see here. I'm going to basically, if you look up right now, I'm going to actually post the video link. If you want to know more details about me closing these positions and rebalancing over to these other ETFs, please click that and I'll give you all the lowdown, all the dirt on why I decided to move lower my positions in HHIS and Coney.

The other thing I did in October is I fixed an an Aabaska. ATTH doesn't mean all-time high. ATTH is a stock that I hold called Aabaska Oil. It is my rockstar growth stock. Um, and I did make some sell swing trades and I need I made a mistake in it and I was correcting that mistake in October. So, let me explain what that means. Uh I do swing trading on Aabaska oil because it actually is quite volatile. It goes up and down. But I've had it for two, three years. I see when it's going up and down. So, I always sell high and buy back low and I do this swing trading over and over over long periods of time. Well, it looked like in August and September that it was on its run again. Um, and uh so, so what I basically did is I capitalized a lot of them. And by the way, I apologize. It says here 528 and 534. Um, that's wrong. It was actually 628 and 634. So, apologies for the number, but I basically sold out my shares at 638 and 624 or 28 at 628 and 634 because I thought, "Oh, that's a pretty good high. It's going to likely come back down." And I waited for it to come down. Unfortunately, Aabaska surprised everybody and it just kept rising. It kept going all the way up to $7.20 a share. It broke a new modern all-time high. Uh because it's never been in the $7 range and it went all the way to 720 and I was kicking myself why I sold at 628 634. Uh but I said, "Okay, well maybe hopefully it'll come down." The good news is it did come back down. It actually dropped back down to 613. Now I can't say I was excited. I was so happy that it was actually dropping that I actually bought back 10,000 of my shares at 648. Um, if I would have waited two more days, I could have actually bought 10,000 shares at 613. But again, no one could predict the future and I just wanted to correct my mistake. So, I actually bought back and fixed quote unquote fixed my swing trade mistake last month by buying back some of my shares. And so far the decision was good because after it went hit 613 it went all the way back up to 690. So I love this guy as a swing trader. Um he's currently hovering around I think around 670 680. But I've actually already made ben uh made profits or cap have unrealized gains on even that 648 buy-in. And then like I said it flew back up to the six. in after that.

Um, the other thing that happened that was a big surprise. It was not a move on my part, but it was a big surprise uh that happened in in October is YieldMax decided that it was going to convert all its monthly paying uh cover call ETFs of which I have lots of them over from monthly into weekly and they announced that in like the second week of October and then third week they started right away. So all my monthly and I believe I have five of them. Coney, Hoie, and Vidy, Misty, Amsy, and Platey have all become now Friday paying weeklies. It really messed up my snowball analytics for a couple months because that transition from monthly to weekly really messes up the distribution averages. So for a couple weeks, my snowball was all messed up on my yield. I had yields of over 80% for a while, which is not true, but that's because it was trying to transition from monthly to weekly. Um, but with that being said, I now have went from I wasn't really that interested in weeklys. Now, out of my 35 cover call ETFs, 20 of them are now weekly paying cover call ETFs. I now get a payment every day of the week from at least one of these um these uh these covered calls.

All right. All right. So, let's go on to what's called the previous versus current month-end results. So, the first thing I want to do is show the these are the key metrics that I trace. Uh they come out of my snowball analytics, but I track these on a monthly basis. So, what I did is the previous month is September. Let me move over here. So, my book NAV for September it closed at $1.862 million. That is book NAV. So, that's the cost of my investments. Uh, thanks to reinvesting, I reinvested about $9,000 more into my portfolio. I am now at $1.87. So, there's my increase in my book NAV. My my current NAV is is basically at uh $1.658 million. Uh, which back then, sorry, that was my September NAV, which was $1.658 million or 11% down. And uh as of the end of October, I'm at $1.687 million. So I'm now down only uh 10.8% uh over the book value. So when these numbers here, these is the percentage I'm down from my book. So if you look here, you do this. Oh, sorry. >> Let me go back here. So when you do this, this is basically the 10% below its current book. And this is 11% below its current book. All right. Uh, a lot of that has to do with just ba basically big swing trading in the markets. This happens quite often. I never really worry about NAV uh volatility. Sometimes it's at -14, sometimes at minus 8, -7. Again, because I'm an income investor, NAV volatility is not a big factor. I don't want to see it to keep on eroding. And it doesn't erode. It just hovers around the point, you know, the the 8 to 9 to 10 to 12% range. It's all over the place, but that's generally where it is as of this month.

My cash position in end of September was $140,000. And again, that was because I sold out all my Aabaska waiting to buy back in. Well, I did buy back in. So, you could see that my cash position has dropped to $70,000. I still have some of my Aabaska cash waiting. I don't know what I'm going to do with it. I'm hoping that it might take another big drop and I will buy even more. So that'll be basically what closes out that set that uh 70 down to maybe a more normal number for me is to have a cash position definitely under $20,000. This is actually very high for me and I'm waiting for an Aabaska swing buy to get back in.

My distributions uh per month. Uh, so basically my distributions in September was $41,776 uh which was a basically a 38.37% yield and as you could as you already know now this month was a record-breaker uh my distributions for end of October was $58,050 and that equated to uh a closing uh end of month of 40.29% 29% yield. Again, a lot of this had to do with my uh October being a five-week month. So, that explains why it was up. And the yield rose also from 38% to 40% because of my September and October rebalancing uh and and moving into higher covered call ETFs, which obviously the higher the more you move your a your investments into higher yields, of course, you're going to bring up the average. So, that's why my average moved up from 38.7 to 40.29. 29.

My ROI and IRR as reported by my snowball analytics was in September 36.2. It's now 38.4. And my IRR was 23 24.3 and it moved up to 24.51. And again, all resulting generally because of my rebalancing efforts in September and in October. That's what is bringing these numbers up.

My projected monthly income back in September, it was reporting my monthly income average for the next 12 months would be $48,07 and it has now jumped up dramatically to an average of $54,000 uh which is about a 5.3K increase in average monthly income. Again, all resulting in my September and a and October rebalancing and some re further reinvesting and higher yielding cover call ETFs. Um, and we'll see how this goes. This number changes all the time. It's based a projection on what you got right now and how is it go going moving forward u using basically the days of the month on it. So I I could still see this number actually being closer to about 50 to 52,000 but right now it's reporting 54,000.

My portfolio basically uh structure. I have 30 I had 38 and and which was three stocks, 35 ETFs. I still excuse me I still have 38 uh investments, three stocks and 35 ETFs. The top three ROI uh holdings I have right now, they used to be in order of PLT at 79, call at 65, and HD div at 61. Well, PLT is still become is still a rockstar and it's even becoming a bigger rockstar. Its current its current ROI is at 91%. Crazy numbers. Call is still at 64%. It dropped a little, but Hyld is now just edged over HD at 62%. And I say just edged because HyLd is uh and HD are both having an ROI of 62%.

All right, the risk beta sortino numbers just so people know and we're going to get into those details right away uh is 1 point they were 1.85 and 15.4 4 uh 149 uh the S&PS and its market numbers are 1 and 1.96 in October as of yesterday the number has moved up so my volatility my my delta or my sorry my beta has moved up a little to 2.26 and my sortino ratio has actually reduced to 13.941 you don't want to see our sortino ratio reduce and you don't want to see uh your beta increase they both have happened in October versus uh September. The reason is is because I've added more volatile cover call ETFs. And when you do that and move away from ones that were more stable, like say move from HHIS into up uh higher volatility ones, you're going to see a slight change in that. You're also going to see changes because the markets are changing around as well. So these numbers moved a little bit into the negative side, but still far far better than an average one. So, if you look at this that, you know, normal for the S&P is one, and I'm definitely better than this. You want to have a lower uh beta. So, anything below one is better. It means your portfolio is more stable, less volatile. And so, I'm still doing much better than the markets are. And I'm doing much better than the S&P, which is basic for Sortino, which is basically at 2.129. It moved up as well because of market volatility. You can see here, and I'm still well higher than that.

Okay, let's move on. So, now we're going to get under the hood of my Pyiverse portfolio and I'm going to take you into my Snowball Analytics, which is one of the tracking sites I use. Um, uh, if anybody's interested after looking at this, uh, you've never heard of Snowball Analytics, there are many tracking sites there. I love Snowball Analytics because basically it really I'm an income investor and Snowball Analytics I found is one that basically really focuses a lot on income distribution tracking and you're going to see what I mean by that. And so I use it. I'm not advocating somebody else should use it. If you do try it and you say, "Hey Perry, I really like it." Well, if I'll leave you a link in the description. You get 10% off if you use my promo code. Uh just full disclosure, if you do, I get a free additional month of of subscription. So that's my benefit of you using uh the 10% discount. You get 10% off. I get an extra month of free of Snowball Analytics. So that's what it is. But again, use it B only if you like it. I like it and that's why I wanted to tell you.

All right. So the first thing we're going to talk about is diversification. So I'm going to tell you what it is, then I'm going to show you what they are over here. So the first thing we're going to talk about is diversification. And a lot of this I already showed in the metrics. I wanted to show to you why my portfolio is very risk-averse. And a lot of that deals with diversification. It's part of my strategy is to basically make sure that my portfolio is as immune to to major movements as possible. And the best way of doing that is through diversification. So after October, my portfolio still has 35. Sorry, it I said 35 holdings. It should be 38 holdings. 35 cover call ETFs and three stocks. So again, I I need to fix that in my video. Uh it's 38 holdings, not 35. Uh some sha uh sorry I say shafts, I say sorry about that people. Some shifts in my actual weight as HHIS and Coney holdings weights have dropped and Aabaska has now returned to my top holdings. So, let me let me get through and show you what that means because you might want to see all of them.

All right, this is my Snowball Analytics. And inside my Snowball Analytics, there's my dashboard and there's my analytics. So, I just want to quickly show you my dashboard. So, a lot of the numbers you saw in my basic metrics came from up here. So, this is showing what my current value is. This is my invested uh my book value. This is uh my current uh profits to date and basically I'm just going to hover over it for anybody who wants to see the details. It shows that my current g capital gains is basically a loss of $183,000. Um my realized profit and loss is $50,000. That's from selling Aabaska and some of my other cover call ETFs and gaining an actual profit. And then my dividends received to date is $85,852,000. Again, this is since the since inception. So, this is since uh I started tracking this back in 2023. Uh I have a 38% ROI, a 24% IRR. And here's where I turned around and said my current my current yield on my portfolio is 40.77%. So, I'm going to go to my analytics and go back to what's called diversification right here. So, in my diversification, I'm just going to show these up here. Uh for those a lot of people use this page uh that are following me to say hey what's Perry's portfolio looks like. So this is what Perry's portfolio looks like based on holding weight. You can see right now Aabaska even though it's a stock not a cover call ETF has regained top position as at 10.2% of my portfolio. If you watch my strategy videos, I generally have a rule that says that no holdings should exceed 5% unless there's a reason uh why I would violate my own rule. And you can see if you look at through here, only two are exceeding a 5% mark. And that is basically my ENCL, which is also an it's an oil ETF, a Canadian oil uh cover call ETF, and my Aabaska are the only two that violate it. 10% is my Aabaska. Then it goes down from here. So I've my if you would have seen my numbers last month, HHIS would have had a almost a 7% portfolio weight. I've reduced it so it's now down closer to my target weights, which is usually 5%. I want my cover call ETFs to be 5% or less. Well, this one is now closer to that number. And you can see some of the others. My cash position is you is pretty high right now. Normally, it should be near the bottom here because I don't normally hold this much cash. Uh but right now, I'm in a position where I've got cash and I haven't reallocated it. All right. Uh just for those that know, if I click buy-in, this is my invested value. So, I'll just give this number to you here. I'm just going to click it here temporarily for those that want to freeze the screen. Buy-in means this is my cost. This is let's say my book uh diversification when I bought them. All right. So this is when I bought them and this is what they're currently at. Okay. So these are some of the numbers that we were talking about there. Uh so we'll go back. All right.

So the next thing we talk about is the um distributions. So as I'm going to show you soon my I've had a significant change in my monthly results my trailing 12 month versus my projected over October. And of course, uh, my projected monthly average now is over $50,000. It's saying $54,000. So, I'm going to monitor to see how accurate that is. But right now, I've actually moved my average over $50,000 uh on the next 12 months as an average, which is something I've never done. I've always been under uh $50,000. So, that was a major change for me. So, let me show you what that is over here. I'm going to go into dividends distributions. So, I'm going to get back to this right away, but here's some of the numbers I was talking about. So, you could see that this chart right here is showing what my projected is. So, right now, it says that based on your current portfolio and your distributions that we're receiving, your average now for the next 12 months is $54,000. And again, just keep this in mind if you're new to my channel. I'm making an average of $54,000 a month on a portfolio of that's current value is $1.7 million. Again, this is not like a super wealthy guy. I'm an average person. Most people in their 60s that have worked their entire life and have a a pension and stuff like that have a net value of in the $1 to $2 million range themselves. So, this is not as if I'm I'm making these kind of numbers on a huge $5, $6, $10 million portfolio. I'm doing it because I'm using these new game-changing cover call ETFs that allow me to do these kind of numbers. Anyways, so here it is. It's projecting $54,000 and it shows you what it thinks it's going to be. It's for some reason thinking this coming month is going to be low at $46,000. I do think I know what that is and I'll explain what the reasons are later.

The other thing I want to show you is the projection. Again, one thing that's a goal for my portfolio as an income investor, as a high yielding income investor, because I'm a retiree, I want I would love to see and my goal is and thanks to these new cover call ETFs, I'm allowed to do it. You could see that my my monthly income is growing, constantly growing. Yes, they'll have down cycles like this was the liberation day with the Trump tariffs, but at the end of the day, you can see just like the stock markets do, my income continues to grow. So, it recovered from that liberation day and you can see it's keeping on going and my month my May 5-week was not as big as my August 5-week, which was not as big as my October five-weeker. So, this is something to think for. There's a lot of these naysayers about cover call ETF portfolios that say that, oh, it's going to erode. It's going to go down. You you can't sustain it. Well, I'm showing you right here. Again, you know, my my history. I do not put any money into my portfolio. But you could see that constantly my yield and my income is growing from when I started way back around here, right here to all the way here. It's constantly growing up.

Okay. Uh, one thing I wanted to point out up here as as I'm again we're talking about under the covers. Uh, this chart here shows all my ETFs that have been paying me distributions. This is their yield payout. So, when you see a little bar here that's saying that the yield on cost is much lower than the yield. You don't want to see the bar inside this big purple bar. You'd like to see it at or above it. Um, this does happen to uh cover call ETFs that are basically a either have shown some erosion issues or they are currently in a very big down cycle and and you can see Coney is one that has shown signs of erosion over the past uh 12 months and that's why you can see its bar is really low but then you look at others like PLTE over here and you're like well PLT it's way down here. This is because it's its yield is still in the 44% range, but it's its yield on cost is dramatically higher. And the reason that's happening is because the value of the PLTE ETF has constantly growing in in NAV appreciation. So, it's actually going higher. Its yield on cost is here and yet it's going down. If you were to buy PLT now at its ridiculously higher price, you wouldn't be getting the same yield that I'm getting. And that's because you're paying way more money for it. And that's why yield on cost, if you've got this bar above it, you're you're in a darling position. You bought it at a right price. So, you want to see these bars above this purple box down here. You don't want to see this. But at the end of the day, they still generate income. And the reason I'm trying to say that is even this here, these are all my dividends received since inception. And you could see that even Coney, who has basically been an NAV eroder right now, it has NAV erosion issues. Look at what it's done to date. It is still my largest paying uh ETF in my entire portfolio. Of course, I've held it for two years. So, that's going to be a major factor to it. But in its glory days, it was paying out big money. It doesn't owe me anything. And again, we talk about this thing called house money. Coney has reached house money for me way back in early 2025. House money means that it has paid back more to me than I've actually paid for it. So, I'm basically on running on basically free money because anytime it now pays me my weekly distributions, it's distributions above what I paid for it as an investment. This is all pure profit for me. And so, I don't have a big problem with Coney. I don't like that it's a that it's it's monthly distributions or weekly distributions are dropping, but at the end of the day, it's still money and I call it house money.

All right, so I hope that helps give you some impacts. I just wanted to show you this in case somebody wants to freeze the frame. This is my three-year distribution growth from when I started. Remember I said February. So March is the first time I actually received something way over here, $284. And now it's currently at $50,000 $58,050. So you can see it's been constantly growing from 2023 to 2024 and to 2025. You like seeing here that the purple box in almost every scenario is higher than the light blue box. That means that 2025 for that month beat 2024 for the same month. That's what you want to see and that's why I'm very happy with my portfolio.

All right, let's go back now. The another the next thing we wanted to talk about is growth. So for the growth investors out there that still have that growth mentality and not an income mentality, they still want to say, "Yeah, but Perry, show me the growth. Show me how this guy is competing against the S&P and against a growth index." So here's what I want to show you. Uh so I will show you in my Snowball Analytics is basically that my NAV is slowly opening a lead over the S&P. And I'll show you that uh tightly tracking timeline. My invested holdings have increased over October with a large basically hang on a second. So with a large uh buyback of my Aabaska stock. So that's going to be one thing that's going to be there. And then my Pyiverse per uh performance maintains a small gap against the S&P in ROI. So let me show you what that looks like and uh we'll go right over to there. And I apologize. I'm in the middle of the day. I'm getting phone calls happening. So, please please forgive the interruptions. I keep getting uh I'm trying to just work through them.

All right. So, here we go. We're going to now talk about the analytics and we're going to go to growth. So, this is again is what makes the growth investors happy. So, this is my portfolio value. And just so you could see what this means, the the purple dotted line that you see up here is my book value. Now, I just want to make you understand when it shows me the book value here, it does not include cash. So, that's why you see sometimes that the box actually goes down. For example, you can see it went down here. You can see it went down here. Uh the reason it went down here is this is where I sold my Aabaska shares. So, it was a major influx of cash, but it was also a major reduction in actual holdings. So, that's why you're seeing this drop go from here down to here. And then, of course, in October, I made I've remember I told you earlier, I corrected my mistake. I bought 10,000 shares back. Of course, my cash positions go down, but this dotted line shows that it actually goes up because now I've regained 10,000 shares versus of Aabaska. So, that's what you see with this dotted line. It's my invested assets book value. What you're seeing here, the blue line is the is my portfolio and the red line is the S&P. And the one thing you could see over here in a one-year, I'm got right now clicked to one year within the last 12 months, my portfolio is outperforming my the S&P. Again, you got to remember this is not just NAV appreciation. This is also combined with my distributions. So when you combine my distributions and my NAV appreciation over 20 over the last 12 months, I am outperforming the S&P. And again, I don't want to be non-transparent. So I'm going to show you my five-year. Five-year would be since my inception. So which is way back here in February. You could see that over the last five years, the S&P is slightly ahead of me. It's saying that the NAV value, if you would have invested in the S&P the same way as I do with my portfolio, I would be at $1.67 million and my portfolio would be at $1.613 million. So that's the big difference here. But the good number is what you see here is it's actually closing the gap. Over here was really close. Again, as an income investor, I'm not really worried about NAV. NAV is something that I would like to just keep stable uh or even grow slightly. Uh I I just don't want to see the NAV drop down like a rock. The good news is you're not seeing that happen here. For the last time since when here's when I started actually consuming my wealth, I was basically taking money out every month. And since then, you could see that even though it's lagged behind the S&P at times, sometimes bigger, sometimes smaller, and sometimes really tight, it's staying with the S&P. So, for anybody that says that a a high yield cover call ETF uh portfolio can't keep up with the S&P, well, here you go. You can actually see it's not true.

This is another one which is my performance metrics and you I've got it. I'm going to start with one year and I'm going to turn on my compare. So, here is my my portfolio compared to the S&P over here at perform at metrics. Here you can see that the S&P is outperforming it. It's running at 39 versus 29 and down here. But this is because there was a lot of um you know sharp declines and and is issues happening earlier this year. Uh but what's the good news is is that since June, you could see that the gap has been closing again. Matter of fact, at in October, right about here, October 9th, I came very close to actually catching up to the S&P on performance metrics. Again, for those people that says, "Yeah, but Perry, it's still at a race." I actually don't even care if my portfolio was ahead of the S&P. Let's just turn around and say that the S&P was 42 and I'm at 48. I really don't care about this metric. I care about a stable, relatively stable NAV and about in increasing my monthly income. Those are my two metrics that I care about the most. That the ROI is basically staying together with it is really nice. It shows to me it gives me more confidence that I don't have a portfolio that I'm just basically draining income out of it, but I'm basically watching my portfolio die. You could quite clearly see here that I'm getting great monthly withdrawals out of my portfolio that I can actually take out of my portfolio and I'm still keeping up with the S&P using my strategy.

Okay, so we'll go back here and the last one we want to talk about quickly is the um is the uh return risk return metric. So we talked about it quickly here, volatility and the sortino ratio. I'm not going to go that much here, but I just wanted to show you validation that this is true. So, I'm going to go back here and I'm going to go up here. Sorry. And I'm going to click my metrics here. So, here some of these metrics are weird because it includes my stocks and stuff. So, like PE ratios that only happens on stocks. So, that just dismiss those. The ones that I care about my entire portfolio is this one here. Here's my volatility beta metric. I'm currently at 2.26 as you saw a couple pages ago. Uh I'm significantly lower than the market. So if you were investing in the S&P or the global markets, generally your volatility beta would be one. And if you don't know what that means, the higher the number, the more volatile your portfolio is. If you were investing in penny stocks, you would be way up here near two. What it's good to know is because of my portfolio's high diversity, having 38 holdings spread across the thing, and because cover call ETFs actually reduce volatility because they're actually paying during low times, and I hold 89% of my portfolio in cover call ETFs, my portfolio's volatility is at a very, very stable. 2.26. The other thing you could look here and please do your own research on what uh the Sortino ratio is. This is called the risk-adjusted return number. You want to see this number as high as possible. The S&P currently is at 2.141. Uh anything over two it says is considered good. You could actually read it here.

I'm at 13.9. I was at 15. I've come down again because there's been added volatility. I bought some higher cover call ETFs, uh, yielding. So that's why, but I'm, uh, if I was at five, I'd be happy. All right. So I'm not going to talk any more about that one.

All right. So that is my snowball analytics. I just want to give you one more. I'm going to give you a quick walkthrough of my main portfolio spreadsheet. The one that I almost get a phone call or I get a message almost every day saying, "Hey, can I buy your, can I buy your spreadsheet? Can I get a copy of your spreadsheet?" Please, I appreciate and I'm honored that you everyone wants my spreadsheet. This is the spreadsheet that I just cannot give to people. It is far too complex, needs too much handholding. So, I, I have to respectfully decline. But anyways, I just wanted to tell you that in case somebody says, "Please give me your spreadsheet." I just won't do it. It's just not going to happen.

So, just want to give you some quick metrics in here. This is my, my main, I call it the portfolio. I have one for every one of my accounts. So, remember I told you all my cover call ETFs are in several accounts. So, here's my RIF. Here's my, my wife's RIF. Here's my LIF. Here's my other RIF. And here's my non-registered. And here's my TFSA and my wife's TFSA. Apologize for anybody outside of Canada, uh, that doesn't know what these terms are. They are Canadian sheltered, tax-sheltered accounts. Um, Americans have things like Roths and IRA and, um, 401ks and stuff. That's what these are in Canada. Okay, but these are all my holdings. There's my three stocks. Uh, and again, you guys could freeze the screen if you want to capture any details in detail here. I'm just going to put it here so and walk through it. Again, I won't talk too much detail about it.

So, I have my three stocks here: Aabaska, HMR, and PI. Here are all my cover call ETFs. Uh, the way I've broken this down is that my Canadian ones are first. So, HYLD all the way to USCL are my Canadian ones. You can see here who owns them: Hamilton, Harvest, Evolve, and Global X. Anything from QDTE, number 16 down, are all my American cover call ETFs. Uh, and they have to always, you can tell the difference because my book cost, I always have to here it just says CAD because it's native, but over here it says here's what its US price is and here's what's my cost price in Canadian dollars because I try to keep everything in Canadian dollars.

So, the first thing you're seeing here is all my holdings. You can see how many shares I hold of every one of them. I'm not going to go through each one of them. Uh, you can see what their cost price is currently. You could see right here what its current NAV, uh, unrealized loss gain is. So, down here is 19.36. You can see here the one that's a big rock star for everybody is this one called PLTE. PLTE's current, uh, unrealized gain for me is 70.9%. And you saw that I said 90? Well, because the rest of it, because if you guys understand what ROI is, ROI is the consolidation of your NAV, uh, uh, uh, profit loss as well as the distributions that you've been aggregating. So, right now, 70% of my 90% ROI for P, uh, PLTE is NAV appreciation. It's just crazy how much this guy is growing and it just keeps growing. The rest of it is distribution money that I've been making. So, this is my rockstar down here. Okay. And remember, I just wanted to point out here, here's my, my Nava rotor, Coney. He's down 68% from when I bought it. So, here's an example of one that's really eroded a lot. I've lost 68% of it. Now, everyone turns around. I just want to keep pointing this out.

So, I'm going to move over here to my income section just so people understand this one. You again, you can screen, you can freeze the screen if you want. Um, so here it is again. So, even though Coney is my big loser right now at 67%, he's really down low. Um, he still produces me income. So, even though he's down as low as he is, my holdings generate. This over here shows you my projected income based on a six-month average and based on my latest distribution I received. And it currently, he is basically generating me still an average of $1,845 a month. Uh, currently it's a little bit better. When it's green, it means current went better. And if it's red, it means it went down below it. Um, so these guys here, why do I invest in ultra-high yielding cover call ETFs as part of my mix? Is because they're the ones that generate about two-thirds of my monthly income. The rest of them that are here, all the Canadian cover call ETFs, HYLD all the way to ENCL, that I call, I refer to those as my, my, my stable core. So, these are the ones that they don't generate that great of an of a yield. Some of them are down to 12 all the way to about 30, 40. But most of them are in the, in the 12 to say 25% range. They won't generate me much income. So, you can see where the, the American ones that have high yields. This is how much money they're generating me on a monthly basis. Whereas the Canadian ones, you can see here are like 200, 600. These are some of the big boys, HHIS and MSTE, because they're actually on the higher end of Canadian yield. So, they're doing that and I have a lot more holdings of them. So, that's the kind of things here.

The number here I wanted to show here, this is my house money. I should actually call it house money. This is years to full recovery. So, this is tracking for me how long is it going to take for me to recoup all my investments and distributions. So, this is number of years, 4.1 year, whatever. So, you can obviously see the lower the yield, the longer it takes. So, in the Canadian ones, you're looking between four to seven years. Some of them are really bad. Like here's five years. Uh, sorry, this is from day one. This is remaining. So, this is telling me from when I bought it. If you were to buy it today, it would take seven years. Right now for this one here, I'm at 4.7. It's saying how much of it's been recovered. When you look down here, here's Coney. Coney would take currently, if you bought Coney right now, it would take you three years to recover from its current distributions. When you see this number here which is a bracket 02, it means it has already reached house money status. So, here you can see recovered 108%. If you see over 100%, it means you don't, it doesn't owe you anything anymore. It is now giving you distributions beyond your investment. That's what this means.

Uh, just going to give you this number here so you can quickly look at it as well. Um, this is basically my holding weights without my equities or with my equities because I have one that says just show me what my holding weight is of my cover call ETFs and this one says what is my co, my holding weights for all my stocks with stocks and, uh, ETFs. So, if you want to know for my entire portfolio, this is my current set, uh, target weights. So, I set target weights every time when I rebalance, I, I have to rechange them. Uh, those kind of things. So, for example, HHIS used to be, well, I'm going to use it over here. It used to be at 5.5 or used to be at 7%. I've moved it down to 5.5% because I've decided to move more of my HHIS over to Biggie. And so, this is puts me closer to what my target goal is of keeping my ETFs and my investments at or below 5%. Now, HHIS is around my goal of 5%. It's still above it. You can see over here that I still hold 6.2%, but my target weight has been moved to 5.5. Okay, that's about all I need to show you here. I'm going to go back to my PowerPoint presentation.

Um, so let's go talk about, uh, the next thing, which is looking forward and my conclusions before I end. So, let's look forward first. First thing is I project that November's income will be slightly less than average. And that again, I, I chalk up to the fact that because I now have most of my cover call ETFs as weeklies and they're more granular. The October holding five weeks basically took away some of the ETFs that would have paid generally in November if I had a monthly. So, I'm basically November's paying the price for October being so good. So, it's sort of balancing out. I anticipate it's going to go down into the mid-40 range, but we'll see. My average, again, it says it's supposed to be 54. So, we will see if it can actually maintain a new average of 54,000. I'd be happy if it still was in the 48 to $50,000 range. So, we'll see.

I have no planned major rebalancing, uh, uh, uh, decisions, but I may decide to continue reducing my Coney position. Even, you know, it's even though it's in house money, I'm still looking at it as, you know what, I don't like it. You know, I prefer it wouldn't, it would stop eroding. Uh, so we'll see. Uh, I don't have a problem with it. I'm, I'm really on the fence if I want to reduce my position of Coney. Um, but we'll see where we are with that. Uh, I'm going to continue reinvesting all my excess distributions as per normal. Um, for those that don't know my portfolio or my strategy, please look at my other videos. Uh, there's a main video that actually is in the link of the top pinned comment. It basically is my strategy video. If you've never heard of me before and you want to know more about my goals and my strategy on my portfolio, please click that video and watch it.

Um, in there, my, my objective is is that I reinvest the majority of my, my, my monthly income back into my portfolio because I don't need, obviously, I don't need $40, $50,000 a month. I just basically take out about 10 to $15,000 a month. The remainder of it I reinvest back in. Um, and so basically every month I'm always adding more to my portfolio. That, that ensures that every time you reinvest back into your income portfolio, you're compounding your income because if you buy another cover call ETF or more units of it, they're going to generate more money. Of course, when you generate more money, that means more income and that means more money could be reinvested. That's why by reinvesting in an income strategy, you are actually compounding your income by reinvesting the money you don't need back in. The other thing it does as a benefit and as a bonus to me and again is to it also stabilizes the NAV because cover call ETFs do put a little bit of a lag, drag on the current NAV because they sometimes cap, uh, uh, upside when the markets go up really quickly and those cover call ETFs because of their contracts hold you back a little. So, this is a way of countering it by reinvesting back. The higher your yield, the more you should actually consider reinvesting back. I do have another video on that one as well. So, you should consider that. I might actually poke it up here just if you look high and you'll see it and it'll talk about this idea of how much should I reinvest if I have a portfolio like mine.

I also will keep analyzing my Pyiverse, uh, portfolio spreadsheet, the one I just walked you through, to see if there's any other opportunities to progress my income goals. Every once in a while, I say, "Okay, you know what? This guy's been, I'm sitting on it for the last 28 months. Maybe it's time I should rethink things." So, I'm always looking at opportunities to tweak and and rise my, my yield a little bit, but to do it safely. So, that's another thing. I'm always looking at opportunities.

So, conclusions with this with videos like this, I cannot be more transparent about my cover call ETF high yield income portfolio. I'm not hiding anything. I don't know how much more clear I could make this. I know there's a, there's a, there's this small consortium of of, uh, cover call ETF haters and doubters that constantly are attacking anything about a cover call ETF high yielding strategy. The best way to fight those kind of that kind of FUD and misinformation is to give you my results, to show you my results. I can't be more clear here. I'm giving all my performance numbers. I'm giving my income numbers. I'm giving you my stability numbers. I hope this is helping those that actually are actually a little bit scared from these people that spread this misinformation and FUD and you can say, "Oh, okay. This is real results. This is not from somebody that doesn't even own these, these cover call ETFs. This is from somebody that actually runs their entire income and retirement on this stuff." And I'm, these results I'm hoping is going to help you. I hope you found this information and this month-end review very interesting. And if you did, please, there's a lot of work involved in creating these videos. Please, if you punch the, the like button. I would also, if you really like this video and want to see more of it, please press subscribe because I'm always putting out more videos like this. And I'm always encouraging anybody to leave comments. Just be respectful, but please leave comments. And until next time, stay safe, stay investing, and I'll see you in the Pyiverse.