💰 Top 3 Dividend & REIT Tracker

🏆 Top 3s

Every holding is grouped into a category — YieldMax weekly ETFs, 0DTE covered-call ETFs, REX weekly ETFs, and so on — and ranked by annual yield, the percentage of the current share price paid out over a year if the current distribution rate holds. Each card shows:

• Yield — annualized, not guaranteed. High-yield funds can and do cut distributions.
• Price & day change — the live quote and how much it moved today.
• Monthly / Annual income — what your budget entry would generate at the current yield, assuming it holds steady (it usually won't stay perfectly flat).

Tap a card to expand it for a plain-English read on sustainability and the single biggest risk for that specific holding. The amber banner above the grid flags when yields are running above 20% — a level where part of the "yield" is often return of capital rather than pure investment income (see glossary below).

🏢 REITs Top 3

Real Estate Investment Trusts (REITs) are companies that own or finance income-producing real estate and are legally required to distribute at least 90% of taxable income to shareholders. This tab separates them into:

• Mortgage REITs — lend money for real estate rather than owning property directly. Higher yield, more sensitive to interest-rate moves.
• Equity REITs — own physical property (apartments, warehouses, retail). Lower yield, generally steadier.

All entries here pay monthly rather than quarterly, which is why they're grouped separately from the Top 3s tab.

📅 $1,000 Advisor

Enter a budget and get a suggested split across three holdings, chosen by a scoring formula that weighs yield, 3-month price trend, and how often the fund pays (weekly payers score higher, since income compounds faster). The "Advisor reasoning" text underneath explains the top pick, flags the highest-risk holding in the mix, and adds a practical note — it's generated from that same scoring logic, not written individually for you. Past recommendations are saved locally so you can compare how allocations have shifted over time.

💼 My Picks

A watchlist, not a brokerage account — adding a ticker here doesn't buy anything. It's a way to track specific holdings you're following, see their current price and estimated income at your chosen budget, and remove them any time. Everything is stored locally in your browser; nothing is sent anywhere or tied to an account.

📊 Performance

Shows the 3-month price trend for everything in My Picks, side by side, so you can see at a glance which tracked holdings have been rising or falling. This reflects price only, not total return — it doesn't add back distributions paid out during that period.

Glossary

Yield

Annual distributions divided by current share price, expressed as a percentage. Moves with both the payout amount and the price — a falling price can push yield up even if the payout hasn't changed.

NAV (Net Asset Value)

What a fund's underlying holdings are actually worth per share. For CEFs, market price can trade above or below NAV. For option-income ETFs, a shrinking NAV over time is the main way a high yield can quietly cost you money even while distributions keep arriving.

Return of capital

A distribution that's technically your own invested money being handed back, rather than income the fund earned. Common in option-income and high-yield structures; not inherently bad, but it means the "yield" isn't all profit.

Distribution frequency

How often a holding pays out — weekly, monthly, or quarterly. More frequent payments mean income shows up sooner, not a higher total return.

Estimated data

If you see a banner saying data is estimated, live pricing didn't load for enough holdings to trust the numbers on screen. Refresh in a moment rather than acting on figures marked this way.