Income Intelligence

The Yield Master List

Compare the "Risk-Free Rate" against "Nuclear Income" strategies.
Warning: High yield often equals high risk.

Asset / Ticker	Type	Current Yield	Risk Level
MSTY YieldMax MSTR Option Strategy Ultra-high yield derivative strategy tracking MicroStrategy volatility.	ETF	78.4% Monthly Payout	Extreme Risk
NVDY YieldMax NVDA Option Strategy Selling covered calls on Nvidia. Capturing massive premium while capping upside.	ETF	54.2% Monthly Payout	Extreme Risk
TSLY YieldMax TSLA Option Strategy Income generation from Tesla volatility. High decay risk during bear trends.	ETF	42.8% Monthly Payout	Extreme Risk
QYLD Global X NASDAQ 100 Covered Call Sells covered calls on QQQ. One of the original high-yield covered call ETFs.	ETF	11.8% Monthly Payout	Moderate
XYLD Global X S&P 500 Covered Call Covered call strategy on the S&P 500. Lower volatility than QYLD.	ETF	9.4% Monthly Payout	Moderate
JEPI JPMorgan Equity Premium Income JPMorgan's flagship income ETF. Uses ELNs to generate premium income with lower volatility.	ETF	7.2% Monthly Payout	Moderate
JEPQ JPMorgan Nasdaq Equity Premium Income JEPI's tech-focused sibling. Higher yield via Nasdaq exposure with ELN income overlay.	ETF	9.8% Monthly Payout	Moderate
SCHD Schwab US Dividend Equity ETF Gold standard dividend growth ETF. Quality companies with consistent dividend increases.	ETF	3.6% Quarterly Payout	Moderate
US3M US Treasury 3-Month Bill The global risk-free rate. Backed by the full faith of the US Government.	TREASURY	5.42% Maturity Payout	Risk Free
BIL SPDR Bloomberg 1-3 Month T-Bill ETF Liquid T-bill exposure. Near-zero duration, daily liquidity, no lock-up.	TREASURY	5.21% Monthly Payout	Risk Free
SPAXX Fidelity Government Money Market Fidelity's default cash sweep. Instant liquidity, government-backed securities only.	TREASURY	4.97% Monthly Payout	Risk Free
ALLY Ally High Yield Savings FDIC insured liquid cash. Zero principal risk. No minimum balance.	HYSA	4.25% Monthly Payout	Risk Free
GS Marcus by Goldman Sachs Goldman's consumer savings arm. Consistently competitive HYSA rate. FDIC insured.	HYSA	4.50% Monthly Payout	Risk Free
SOFI SoFi High Yield Savings Top HYSA rate with direct deposit bonus. FDIC insured up to $2M via partner banks.	HYSA	4.60% Monthly Payout	Risk Free
DFS Discover Online Savings No fees, no minimums. Consistent top-tier HYSA rate. FDIC insured.	HYSA	4.25% Monthly Payout	Risk Free
JPM Chase Total Checking The standard big bank rate. Baseline of wealth erosion. Included for comparison only.	HYSA	0.01% Monthly Payout	Risk Free