Simply Money

Thursday, April 30, 2026

CHPY DRIP Portfolio After 12 Months-See the Spreadsheet

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What actually happens when you DRIP a high-yield ETF like CHPY for 12 months?

Most investors focus on the yield…
But the real question is:

Does reinvesting those dividends actually grow your portfolio — or just mask what’s really happening?

In this video, I ran a full 12-month test on YieldMax CHPY ETF using three strategies:

100% DRIP (reinvest everything)
50% DRIP (split between income + growth)
0% DRIP (take all cash)

And the results were honestly surprising.

I break down:

Total income generated
Portfolio value changes
The real impact of reinvesting dividends
Which strategy actually performed best

Because high yield doesn’t always mean high returns…
and DRIP doesn’t always work the way people think.

If you’re investing in income ETFs or considering CHPY — this is a must-watch.

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00:00 50% Yield… But What’s the Catch?
00:17 Did CHPY Actually Make Money?
00:43 All-In Backtest Setup (No Projections)
01:07 Why Yield Alone Misleads Investors
01:20 1-Year Backtest Breakdown (3 Strategies)
01:43 Spreadsheet Overview (All-In Series)
02:06 Why $525K Portfolio for Testing
03:06 Entry Point & Initial Share Setup
03:45 DRIP vs 50% vs Cash Strategy Explained
04:10 Share Price Performance (Big Surprise)
05:01 CHPY Price Growth (+27%)
06:14 Distribution Consistency & Yield
07:09 Average Yield (~40%) Explained
07:37 Full DRIP Strategy Results
09:18 Weekly Income Growth Explained
10:02 Portfolio Nearly Doubles (Full DRIP)
10:53 Smaller Portfolio Example ($50K)
11:05 50% DRIP Strategy Breakdown
12:37 Income + Growth Combined Results
13:09 $137K Income + Portfolio Growth
13:30 Why 50% DRIP Stands Out
13:36 No DRIP (100% Income Strategy)
14:14 Weekly Income Stability
14:50 $250K Income in One Year
15:17 Full DRIP Total Return (86%)
15:43 50% DRIP Total Return (80%)
16:11 No DRIP Total Return (75%)
16:32 Which Strategy Actually Wins?
16:41 Custom DRIP Strategy Tool
17:17 Fixed Weekly Income Scenario ($4K)
18:22 $200K Income + Growth Example
18:52 How to Use This Spreadsheet
19:01 Portfolio Combinations Strategy
19:20 Final Thoughts & CTA
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