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QDVO or QQQI?
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Date: July 28th, 2025 8:08 PM Author: ,.,,,. Discussed how they are taxed? What is that roc and tax?? (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49138722) |
Date: July 28th, 2025 8:16 PM Author: AZNgirl ICE Agent Deporting Her Brother whoaa QQQI looks better than JEPQ (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49138736) |
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Date: July 28th, 2025 9:19 PM Author: ,.,,,. And both qqqi and qdvo are taxed as long term capital gains? And not taxed at all until after cost basis of (value-dividends) goes to 0. Is this my way out of wagecuckery? I am about to sign a contract for dayjob over night job, but it will be 190shifts instead of 122 nights (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49138894) |
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Date: July 28th, 2025 10:06 PM Author: AZNgirl ICE Agent Deporting Her Brother wtf really? link? that wld be huge if i hit 1.4m i cld just put in this shit (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49138985) |
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Date: July 28th, 2025 10:33 PM Author: ,.,,,. Well are you a lawyer or a monkey? I am thinking of putting all my cash into this. If roc means I pay 0 tax that means I get 100k/yr tax free. And eventually will have to pay long term capital gains but meanwhile get the same benefits as a real estate owner. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139057) |
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Date: July 28th, 2025 10:37 PM Author: AZNgirl ICE Agent Deporting Her Brother u are a retarded jew, divs are taxed in year received
Let’s break it down clearly:
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### 1. **QQQI and QDVO — Tax Structure**
Both **QQQI (Invesco QQQ Innovation ETF)** and **QDVO (Invesco Dividend Opportunities ETF)** are **U.S.-listed ETFs**.
In the U.S.:
* **Capital Gains Taxes** apply **only when you sell** the ETF for a profit.
* **If held for over 1 year → Long-Term Capital Gains (usually 15–20%)**. * **If sold before 1 year → Short-Term Capital Gains (taxed as ordinary income)**. * **Dividends** are taxed in the year they're paid:
* **Qualified dividends → taxed at long-term capital gains rate**. * **Non-qualified dividends → taxed at ordinary income rate**.
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### 2. **"Not Taxed Until Cost Basis Goes to Zero" — Is This True?**
No, **that's incorrect for dividends**. Here's why:
* **Dividends are taxed when paid**, regardless of whether they exceed your cost basis. * The **cost basis is reduced when dividends are "return of capital" (ROC)**, but **most ETFs like QQQI and QDVO distribute ordinary or qualified dividends, not ROC**. * For **capital gains**, taxes are indeed **deferred until you sell**. * Only **return of capital (ROC) distributions** delay taxes until you sell or your cost basis is adjusted to \$0 (which is rare for QQQI/QDVO).
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### 3. **Summary of Tax Treatment:**
| **Event** | **When Taxed?** | **Tax Type** | | ---------------------------------- | ------------------------------- | --------------------------------------- | | **Dividends Paid (Qualified)** | Taxed in year received | Long-Term Capital Gains Rate | | **Dividends Paid (Non-Qualified)** | Taxed in year received | Ordinary Income Rate | | **Capital Gains from Selling ETF** | Taxed upon sale | Long-Term or Short-Term Capital Gains | | **Return of Capital (if any)** | Lowers cost basis, tax deferred | Taxed when ETF is sold if basis reduced |
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### TL;DR:
* **QQQI and QDVO dividends are taxed when paid**. * **Capital gains are taxed when you sell**. * **Cost basis only comes into play when determining capital gain on sale or with ROC adjustments**, but regular dividends are taxed right away.
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Do you want me to estimate **how much tax you'd owe on a \$10,000 position in QQQI or QDVO after a year assuming typical dividend yields?**
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Date: July 28th, 2025 10:37 PM Author: AZNgirl ICE Agent Deporting Her Brother it pays monthly divs u are taxed on that in year rec'd retarded nigga jew
https://www.nasdaq.com/market-activity/etf/qqqi/dividend-history
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Date: July 28th, 2025 10:43 PM Author: ,.,,,. Dumb turd, this did not answer if you are actually taxed on "roc dividends". It just erroneously claims that qqqi is not roc. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139084) |
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Date: July 29th, 2025 9:45 AM Author: AZNgirl ICE Agent Deporting Her Brother wtf wldnt u be taxed on dividends faggot? ive never heard of as pecial rule for ROC whatever the furk that is (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139789) |
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Date: July 29th, 2025 9:59 AM Author: animeboi (.) roc = return of capital. It means you pay no taxes because they are 'returning your original capital' back to you i.e. you gained nothing. it however means that the cost basis will be reduced by the amount of the roc, so if you bought at $50 and received $1 in roc your cost basis is reduced to $49. If you ever sell you would then have to pay taxes on Sale price - $49 instead of $50. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139826) |
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Date: July 29th, 2025 10:00 AM Author: AZNgirl ICE Agent Deporting Her Brother hmmm interesting (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139828) |
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Date: July 29th, 2025 10:05 AM Author: animeboi (.) Note that roc can be bad if the fund is losing NAV like say QYLD, but QQQI is using accounting tricks to get their distributions classed as roc.
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Date: July 29th, 2025 10:07 AM Author: AZNgirl ICE Agent Deporting Her Brother so what happens in 20% down market, i shld check what happened this year (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139844) |
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Date: July 29th, 2025 10:11 AM Author: animeboi (.) down markets are when CC funds typically outperform the index. its when the market goes back up that they can really lag. QQQI uses some strategies to reduce this effect. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139857) |
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Date: July 29th, 2025 10:12 AM Author: ,.,,,. Rate Mt plan to put 500k in qdvo and 500k in qqqi. That's all the money I got (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139864) |
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Date: July 29th, 2025 10:14 AM Author: AZNgirl ICE Agent Deporting Her Brother this is wat happened with jepq this year, i have 100k in it and seems its not recovered as much as qqq (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139868) |
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Date: July 29th, 2025 10:11 AM Author: ,.,,,. Yes. Its obvious that if you just look at nav+dividend it essentially mirrors qqq. Qdvo even outperforms qqq. But have all the cash control of a property owner. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139858) |
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Date: July 29th, 2025 1:02 AM Author: ,.,,,. I got the purpose of qqqi or qdvo. If they can maintain the same overall return as qqq (i.e. nav+dividend) you basically get cash each month that you can reinvest,possibly in something else, or spend on whores, either way you pay only longterm capital gains when you sell in the end. I.e. if you live in Thai and spend 100k/yr you don't have to ever pay any tax (or pay tiny longterm tax). But if you own an actual stock or qqq you get taxed each time you take out any tax. So this is like owning a rental property but with yields of nasdaq. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139352) |
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Date: July 29th, 2025 9:46 AM Author: AZNgirl ICE Agent Deporting Her Brother someone explain the tax shit cause it makes zero sense, it pays a monthly div, its a regular div u wld have to report and pay tax on it, i dont see anyway arnd this. wtf are u freaks talking abt (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139791) |
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Date: July 29th, 2025 9:49 AM Author: AZNgirl ICE Agent Deporting Her Brother Alright! Imagine you have a **big piggy bank (your investment account)**, and you put **different kinds of candy (ETFs)** inside.
Now, you want to **keep as much candy as possible from being taken away by the "Candy Tax Man" (the IRS)**.
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### Here’s how **QQQI (and SPYI)** are smart piggy banks:
1. **Return of Capital (ROC) = "Candy Delayed Tax"**
* QQQI gives you some candy now (dividends), but it says: **"Hey, you don’t have to pay candy tax on this yet! You’ll pay later when you break open the piggy bank (sell the ETF)."** * This lets you keep more candy now, and only pay the tax when you actually *use* the candy in the future.
2. **Tax-Preferred Options = "Magic Candy Wrappers"**
* QQQI also makes money using **special options (financial bets)** that are **wrapped in special tax-friendly wrappers**. * This means the Candy Tax Man can’t take a big bite out of them right away — you pay **less tax** compared to other ways of making candy.
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### What about **JEPQ**?
* JEPQ is trying to learn these tricks too. * It’s like a newer piggy bank that’s starting to use **delayed candy taxes (ROC)** and **magic wrappers (tax-favored options)**. * But right now, **QQQI is doing it better in more ways.**
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### TL;DR for a 5-year-old:
* **QQQI hides candy better from the Candy Tax Man** so you keep more candy for longer. * JEPQ is starting to copy those tricks but isn’t as good yet.
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Want me to explain how **this affects you if you never plan to sell (just live on dividends)?**
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Date: July 29th, 2025 9:45 AM Author: ,.,,,. (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139787) |
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Date: July 29th, 2025 9:47 AM Author: AZNgirl ICE Agent Deporting Her Brother wtf this means, ill ask chatgpt
For taxable accounts, however, I'd lean towards QQQI. (similar to SPYI). QQQI does better tax shelter protection in at least 2-3 different ways: (a) They ustilize ROC that is not taxed until the same of the ETFs. (b) They use tax preferred index options. I think I "heard" that JEPQ is leaning towards this also. |
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Date: July 29th, 2025 10:09 AM Author: ,.,,,. That difference is huge for someone who actually has a job. Any jepq "dividend" is taxed 40% in nostated tax.. qqqi I actually get that dividend in cash and only at some point later when I choose will be paging longterm capital gains. That's also why it's better than qqq where you're afraid to sell and get hit with a tax bill. With this I just get my cash and decide to reinvest it or buy something else (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139850) |
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Date: July 29th, 2025 10:10 AM Author: AZNgirl ICE Agent Deporting Her Brother yea seems good for me too cause i dont want to pay anything to fraud IRS and yeah LT cap gain rate is much better (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139854) |
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Date: July 29th, 2025 10:26 AM Author: ,.,,,. Just checked that actually only qqqi does 90%+ roc. Qdvo is under 50% roc (http://www.autoadmit.com/thread.php?thread_id=5755790&forum_id=2...id#49139901) |