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Discuss QQQi vs STRC tax strategy
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Date: August 6th, 2025 11:36 PM Author: Self-absorbed house kitty Qqqi pays most of its dividend as roc. 12-14% yield. That means I get tax free cash for about 6-8years but once cost basis reaches 0, roc can no longer be used and I'll be getting ordinary dividends, so i must sell shares for long term cap gains within 6-8years. That's fine in retirement, but suboptimal in accumulation phase, i.e. compared to qqq.
But now look at STRC. 9% qualified dividend. That's good compared to treasuries, but it sucks compared to Qqqi, since the yield is 12-14% and also long cap gains. The only difference that you need to hold it only 60days to qualify for long cap gains, but must hold qqqi at least 1 year. |
Date: August 6th, 2025 11:50 PM Author: Tan Beady-eyed Gas Station Halford how do u find all these nigga, ust furking diversify nothing is saw, QQQI will drop 20% min is QQQ drops 25-30% (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49163697) |
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Date: August 6th, 2025 11:53 PM Author: Comical pocket flask Speak English (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49163701) |
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Date: August 6th, 2025 11:56 PM Author: Tan Beady-eyed Gas Station Halford nigga ia asdopado need dividends veddy good i vant dividends and darnell in me anussss plz kindly remit saar (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49163704) |
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Date: August 7th, 2025 3:15 PM Author: Self-absorbed house kitty Rate my plan to optimize. Hold strc. That 9% dividend is qualified and equivalent to 11.6% ordinary income. Need to hols UT 60days to qualify. Whenever there is actually a major drop I can sell it at once and buy qqq,etc. This is 3x better than holding sgov. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165079) |
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Date: August 7th, 2025 3:26 PM Author: cerebral kitchen You're not factoring the risk of owning a single stock (actually a preferred share which is a hybrid stock/bond) with STRC. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165092) |
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Date: August 7th, 2025 3:35 PM Author: Self-absorbed house kitty It's a bond just with tax structure of a "stock". It would coat exactly the same if market crashed badly and could then switch into tqqq (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165122) |
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Date: August 7th, 2025 3:43 PM Author: Garnet personal credit line ape i really enjoy these ESL chink-sounding investment poasts (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165142) |
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Date: August 7th, 2025 3:48 PM Author: Self-absorbed house kitty Aren't u an actual assfucking faggot? (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165152) |
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Date: August 7th, 2025 4:16 PM Author: Garnet personal credit line ape i love cocks and cum brother (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165223) |
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Date: August 7th, 2025 3:49 PM Author: demanding lodge regret these are all retarded financial products for idiot boomers with edward jones agents.
you are too stupid to put your money in an S&P 500 index fund and just let it grow |
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Date: August 7th, 2025 3:51 PM Author: Self-absorbed house kitty Boomers all have their funds in s&p. Buying it now is the same as buying a house in CA from a boomer. This is a 9% loan with tax structure of a qualified dividend. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165164) |
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Date: August 19th, 2025 11:33 PM Author: trip pistol shrine lmao bro, this shit sounds just as bad as all the algorithmic interest-bearing stablecoins like Terra that eventually collapsed. hmmm, i wonder what will happen if everyone tries to sell their shares back at face value during "unfavorable times" article mentions-- times when microstrategy can't raise capital because BTC is in a massive downtrend and issuing debt or equity to buy more BTC is dilutive because the price just keeps dropping. Do you know what a "death spiral" is?
STRC will accumulate dividends at a variable rate, and dividends will be payable when authorized by Strategy’s board. The initial monthly regular dividend will be at 9% annualized, but the rate may be adjusted at Strategy’s discretion.
STRC issuance will be variable, aiming to maintain a $100 peg. To achieve this, Strategy will adjust the dividend rate, issue more STRC at $101, recall shares, or turn off the sale program under $99. STRC will be one of the most responsive products for Strategy, immediately reflecting demand and market conditions.
The new instrument is issued as shares, but behaves like a passive income bond. During favorable times, Strategy can force a repurchase of STRC. During unfavorable BTC price periods, holders can sell back their shares at face value. The STRC dividend rate can be adjusted monthly, but by no more than 0.25% up or down. ... STRC is not backed by the underlying BTC, which is reserved for only some of Strategy’s investors. Despite the instrument, Strategy’s approach works only if its market activities cause hype and more upside for BTC. |
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Date: August 7th, 2025 3:49 PM Author: Self-absorbed house kitty I plan to hold strc until next correction, then start switching into qqq, qqqi and if there is an actual crash qld and tqqq. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49165157) |
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Date: August 7th, 2025 9:34 PM Author: Self-absorbed house kitty So I think qqqi can return 10%+ in perpetuity. So anybody that wants 500k in in retirement only needs to accumulate 5mil. Some of that portfolio should remain in qqq just to improve taxes and qqq has slightly higher yield longterm. But qqqi will still pay 500k in recession even if nav drops temporarily. If you held only qqq you would be forced to sell during a recession, which is why idiots use the 4% rule (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166199) |
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Date: August 7th, 2025 9:42 PM Author: Tan Beady-eyed Gas Station Halford ljl nigga, this doesnt sound possible, if QQQ drops 30% QQQi will drop at least 20-25% and u assume shit recovers but what if its an estended down market and how do they get the 14% nigga is it coveredd calls lots of variables it cld go down the dividend (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166215) |
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Date: August 7th, 2025 10:19 PM Author: Self-absorbed house kitty You don't understand simple arithmetics. If there is a bear market qqqi nav drops 20% (i.e. instead of 30) and you have 10% from original nav to partially spend and partially put back into qqq or tqqq at the best time. You might then have lower total dividend for some time. But bear markets always recover. It doesn't have a time decay like tqqq or soxl (where you're paying interest for that leverage while waiting to recover). It just has slightly lesser total return than qqq (still better return than s&p). (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166310) |
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Date: August 7th, 2025 10:21 PM Author: Tan Beady-eyed Gas Station Halford nigga tell japs market always recovers, or even look at NASDAQ from like 2001 to 2012 or some shit like that nigga (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166315) |
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Date: August 7th, 2025 10:31 PM Author: Self-absorbed house kitty Then why don't u keep your money in a savings account? U wouldn't put it into qqq or especially tqqq if you thought it could crash like japan. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166340) |
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Date: August 7th, 2025 10:36 PM Author: Tan Beady-eyed Gas Station Halford nigga thats my fear, not even like japn look at nasdaq 2001 it took 10+ years to recover to highs (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166349) |
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Date: August 8th, 2025 12:16 AM Author: Self-absorbed house kitty 2001 nasdaq was a different index, it is now essentially the same as s&p without the deadweight. In any scenario similar to 2008 the printer goes boom and if you're holding money under the pillow u are fucked. But why am I telling you this since u are in fact gully invested in qqq plus other less safe securities. Qqqi is actually a safer version of qqq.
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Date: August 8th, 2025 12:23 AM Author: Tan Beady-eyed Gas Station Halford ljl nigga, SPY is the one that moved towards QQQ cause the tech segment of SP500 became so much more dominate
if u want a safer version just do JEPQ and safer than that JEPI, u can look at this years trump tariff downturn from peak 2025 its a great indicator:
QQQI -20.5% JEPQ -20.2% JEPI -13.0%
So yea give tax shit QQQI seems better than JEPQ but JEPI is safest |
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Date: August 7th, 2025 10:41 PM Author: Comical pocket flask “So I think qqqi can return 10%+ in perpetuity.”
You literally said this sentence ^. Think about how stupid this statement is. |
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Date: August 7th, 2025 10:43 PM Author: Tan Beady-eyed Gas Station Halford XO is full of investment mastermen, they find stuff the experts simply cannot! (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166360) |
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Date: August 8th, 2025 12:14 AM Author: Self-absorbed house kitty You must be the same idiot as the guy on doctor forum who tells me that the best business is bitcoin mining machine because u can write off all your expenses. Qqqi is actually confirmed 14% yield. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166511) |
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Date: August 8th, 2025 3:34 PM Author: Comical pocket flask The last person to promise a guaranteed 14% return was Bernie Madoff (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49167916) |
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Date: August 8th, 2025 5:21 PM Author: Self-absorbed house kitty I'm putting 500k into strc now. This is easy 9% yield and I can start selling at any point in next 2 months to get qualified tax. I can buy qqq when it's actually down. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49168218) |
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Date: August 8th, 2025 7:51 PM Author: Tan Beady-eyed Gas Station Halford so easy just invest in a BITCOIN fraud comp! its nbd (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49168607) |
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Date: August 8th, 2025 9:36 PM Author: Self-absorbed house kitty Isn't Saylor a legit billionaire like bezis? (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49168822) |
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Date: August 11th, 2025 11:43 AM Author: Exhilarant Theater The sheer stupidity of the investment advice on this bort is staggering. And this idiot is one of the worst. It's a great schtick actually. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49174694) |
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Date: August 8th, 2025 12:17 AM Author: ruddy quadroon principal's office put everything in randomly selected pico cap financials (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49166517) |
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Date: August 8th, 2025 7:28 PM Author: Self-absorbed house kitty I think I didn't buy enough strc at 97.5. I bet it will no longer be available at this rate on Monday. I have 250k more to put down. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49168563) |
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Date: August 8th, 2025 10:15 PM Author: orange twisted newt I think ROC becomes capital gains (long term if held long enough) once the cost basis goes to zero. There was some other shit I think you got wrong too but I'm not going to go back to look for it (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49168888) |
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Date: August 8th, 2025 10:21 PM Author: Self-absorbed house kitty I mentioned that in subsequent posts. Yes ultimately this becomes long term capital gains (96%) and 4% ordinary income. But if you buy qqqi just before retirement you defer capital gains until cost basis goes to 0. Also you get the same long term capital gains if you just sell after 1 or 2 years and rotate into qqq, i.e. when the market is down. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49168897) |
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Date: August 11th, 2025 11:06 AM Author: Self-absorbed house kitty Fuck strc can no longer be bought under 98. And everything so expensive (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49174561) |
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Date: August 15th, 2025 1:32 PM Author: Self-absorbed house kitty Bump strc is down today bigly. Should I buy 150k more? Plan to exit on October 15 during market corrrection (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49187822) |
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Date: August 19th, 2025 8:22 PM Author: Self-absorbed house kitty How fucked am i if I put $1mln into strc? I need to sell my nyc apt to get some more cash (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49198760) |
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Date: August 19th, 2025 8:23 PM Author: Self-absorbed house kitty Wtf reading on reddit that someone plans to put $500k into strc and retire because dividends are tax free at his income level. I just realized I've been taking advice from high-school janitors. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49198763) |
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Date: August 20th, 2025 2:29 AM Author: trip pistol shrine WHY ISN'T IT HOLDING THE $100 PEG???? THIS WAS SUPPOSED TO BE A RISK FREE 9% RETURN! WHY DOES THIS ALWAYS HAPPEN??????? (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49198815) |
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Date: August 20th, 2025 8:36 PM Author: Self-absorbed house kitty Even if it goes back up I will have to pay ordinary income tax because dividend us treated as return of capital, not "qualified dividend" because mstr has no income, and I don't intend to hold it more than 2 months (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49199041) |
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Date: August 20th, 2025 10:41 AM Author: ruddy quadroon principal's office Yoooo! You’re a fucking nigger (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49198862) |
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Date: August 23rd, 2025 12:02 PM Author: Self-absorbed house kitty I just got my beefy qqqi dividend. Bad thing is that cost basis will go down to 0 within 7 years and force me to pay long term cap gains. So I'm not adding to my position now, qqq is better for accumulation phase... but it also makes it obvious that I must retire in 7 years. Strc I will sell as soon as it gets back to near par, strc is obviously a ponzi. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49206898) |
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Date: August 29th, 2025 4:29 PM Author: Self-absorbed house kitty Should I sell strc at 98 since I bought around 96 and also getting my 1% dividend this month. Afraid it can crash if bitcoin crashes. Also I found out that I will not get longterm cap gains on dividends unless I hold it entire year since they are not qualified dividends but "return of capital". In that case qqqi is better and provides higher dividend (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49222444) |
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Date: September 3rd, 2025 5:01 PM Author: Self-absorbed house kitty I chickened out and sold half my strc today @98. So I made only tiny profit. My dividend is co sidereal "qualified" by schwab so technically whatever shares I hold will get 10% dividend at long term cap gains as long as I hold 60days. But I am looking for sept/Oct Market drop so I could actually buy qqq and spmo. So dumb I sold my Google stock when I could've made 50% profit, same with nvda and mu. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49234533) |
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Date: September 3rd, 2025 5:04 PM Author: Tan Beady-eyed Gas Station Halford i sold 3.5k of GOOG today and bought QQQI. no idea why, it was in my IRA so not even sure i think jepi or jepq better for IRA's (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49234537) |
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Date: September 3rd, 2025 5:06 PM Author: Self-absorbed house kitty That's smart. 3.5k shares?? Goog is maxed out now. Qqqi has better total return than jepi or jepq even without taking into account taxes. But in tax advantaged I think qdvo is better tan qqqi. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49234543) |
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Date: September 3rd, 2025 5:12 PM Author: Tan Beady-eyed Gas Station Halford no 3.5k usd, i have like 52k total i shld sell all but im waiting to do mega sell when QQQ hits 600 inshallah but yeah i shld sell same with NFLX i didnt sell at its insane peak furk man (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49234555) |
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Date: September 3rd, 2025 5:23 PM Author: orange twisted newt See how much you can get for covered calls as far out as possible and as high up in value as possible (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49234577) |
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Date: September 4th, 2025 4:40 AM Author: Tan Beady-eyed Gas Station Halford CC on QQQI or GOOG? (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49235541) |
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Date: September 3rd, 2025 5:27 PM Author: Self-absorbed house kitty Strc now pays 10% dividend. I sold 500k with 2% profit but plan to hold 500k and collect qualified divid3nd for now. However qqqi pays 14% divid3nd. So I will average into qqq, spmo because better overall return (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49234588) |
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Date: September 4th, 2025 6:55 AM Author: passionate bistre corner philosopher-king STRC will collapse when bitcoin has any sort of downturn. (http://www.autoadmit.com/thread.php?thread_id=5759409&forum_id=2:#49235628) |