Warren Buffett's classic 90/10 portfolio—90% in S&P 500 and 10% in short-term U.S. government bonds—is adapted for income investors using two NEOS ETFs. The NEOS S&P 500 High Income ETF (SPYI) uses options to boost yield to 12.15% but with higher fees and some risk of underperformance. The NEOS Enhanced Income 1-3 Month T-Bill ETF (CSHI) holds short-term Treasuries plus a put-spread strategy to increase yield to about 5%, adding some market risk beyond plain T-bills. Together, these ETFs offer a roughly 11.4% yield, trading Buffett's low-cost simplicity for higher monthly income and complexity. This approach suits retirees seeking cash flow but may not appeal to those focused on long-term growth and low fees.
The NEOS S&P 500 High Income ETF (SPYI) trades at USD 53.49 on Pluang as of Oct 02, 2026 18:02 WIB, close to its 52-week high of USD 54.42 and well above its 52-week low of USD 47.98. This price level, combined with a 1-day gain of 0.39%, reflects steady investor interest despite the higher fees and complexity noted in the article. The ETF's market cap stands at $12.25 billion, indicating significant scale in this income-focused strategy.
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Four ETFs—JPMorgan Equity Premium Income (JEPI), NEOS S&P 500 High Income (SPYI), iShares Preferred and Income Securities (PFF), and iShares 0-3 Month Treasury Bond (SGOV)—provide retirees with monthly income by combining option strategies, preferred...
