Splitting $250,000 equally among JEPQ, GPIX and RYLD produces about $2,224 a month ($26,689 a year), based on trailing twelve-month distributions and mid-October 2026 prices. All three fund their payouts by selling covered calls, so the option premiums behind them vary with market volatility. RYLD yields 12.3% ($10,285 a year) while holding the Russell 2000 ETF at 101% of net assets, leaving little upside when small caps rise; JEPQ yields 11.5% ($9,557 a year) through notes issued by banks, adding counterparty exposure, and GPIX yields 8.2% ($6,847 a year) and writes calls on only part of its S&P 500 holdings. Part of these distributions may be return of capital, which lowers your share basis rather than counting as earnings, and RYLD's monthly payout fell from $0.23–$0.31 in 2021 to $0.15–$0.17 this year. In strong markets, this call-selling strategy caps how much of the index gain the funds can capture.
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