Let's go through this because I used to be fascinated by products like this. So $QQQI is an ETF with a dividend yield of around 14%. If you invest $1,000,000, that’s roughly $140,000 a year in distributions. I understand why people find it attractive. You get almost $12,000 a month without having to sell any shares. But not selling shares isn’t the same as preserving your capital. Let’s say you invest $1,000,000 and receive $140,000 over the next year, but your shares are now worth $700,000. This is a hypothetical example, not $QQQI’s actual performance. You now have $840,000 between the shares and the cash. You’ve lost 16%, despite receiving a 14% payout. This is why you should care more about the total return than dividend yield. QQQI holds Nasdaq-100 stocks and uses an options strategy to generate income. But you’re still exposed to stock market losses, and the options strategy can limit how much you benefit when the market goes up. Then there’s compounding. If you spend the distributions, that money is no longer invested and won’t generate future returns. That’s perfectly reasonable if you need the money to live on, but you can’t spend it and expect it to keep compounding. Since inception (2 years ago) through September 30, 2026, QQQI returned approximately 19.9% annualized, compared with 23.6% for the Nasdaq-100 index that QQQ tracks. Both figures include reinvested distributions. I don’t think $QQQI is necessarily a bad product. I can see the appeal for someone who wants monthly income and understands what they’re giving up (dividends where I live will be taxed hard, though, so I don't think this would be suitable for me). But if I’m still trying to grow my portfolio and don’t need the income, I don’t see a large payout as a reason to buy it. Personally, I’d rather have a higher total return than a higher monthly payment. With that said, @Ondo and @xStocksFi should definitely tokenize this product.