Simply Money

Thursday, May 14, 2026

CHPY Is Overrated? 9 ETFs Tested Head-to-Head

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Most investors think higher yield = better results.

But when I ran a full 10 ETF test, the outcome completely flipped that assumption.

In this video, I break down a head-to-head comparison of 10 of the most talked-about income and growth ETFs — and one of them quietly outperformed everything else depending on how you measure success.

We’re looking at:

SCHD
DIVO
JEPI
JEPQ
SPYI
QQQI
CHPY
QDTE
XDTE
TSLY

Here’s what most people miss:
It’s not just about yield… and it’s not just about growth.

Because once you factor in:

DRIP vs taking income
Portfolio value changes over time
Sustainability of distributions
And how these funds behave in different markets

…the “best ETF” completely changes depending on your goal.

In this video, I show:

Which ETF actually made the most money
Which one paid the most income
Which strategies break down over time
And how to choose the right mix based on your situation

If you’re building for monthly income, retirement, or long-term wealth, this comparison will change how you think about ETFs.

_________

00:00 High Yield ETF Mistake
00:25 10 ETF Test Setup
01:10 Portfolio Strategy ($1M Split)
02:00 ETF Lineup Breakdown
02:40 DRIP Results (10–20 Years)
03:30 CHPY Unreal Returns Explained
05:00 Why Data Misleads Investors
06:30 20-Year ETF Results
07:30 No DRIP Income Test
08:30 Income vs Portfolio Value
10:00 High Yield Risk Breakdown
11:10 Starting From $0 (DCA)
12:20 $500/Month Results
13:50 10-Year DCA Growth
15:00 30-Year ETF Comparison
16:30 My Top 3 ETF Picks
18:00 ETFs I’d Avoid
19:20 DRIP vs No DRIP Decision
20:10 Yield vs Growth Winner
21:00 Final ETF Rankings
_________

Welcome to Simply Money — investing, dividend income, and financial freedom made simple.

On this channel, I break down ETF investing, dividend income strategies, passive income, and real portfolio performance so you can build wealth with clarity — not guesswork.

Most people don’t need more information… they need better answers.
That’s why every video focuses on real data, backtesting, and actual results — not hype.

If you want to understand:

How to generate monthly income from ETFs
How to build a dividend portfolio that actually pays
The difference between growth vs income investing
How to budget, save, and invest smarter
And how to create financial independence (FIRE)

You’re in the right place.

What You’ll Learn on Simply Money
ETF investing strategies (SCHD, SPYI, QQQI, JEPI & more)
Dividend income investing & passive cash flow
Covered call ETFs & high-yield strategies
Budgeting systems that actually work
Retirement income planning & portfolio design
Real backtests: full DRIP vs income vs hybrid strategies
Building wealth with simple, repeatable systems
Why This Channel Is Different