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The Laddered T-Bill ETF · CBOE
Price: $25.02 · Annual div: $0.27/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in TLDR → $11.1K in 10 years · $9.98/month
TLDR uses a laddered maturity approach to a portfolio of US T-Bills, targeting a dollar-weighted average maturity of approximately 60 days. Investments primarily consist of T-Bills with remaining maturities of six months or less, and may also hold cash, cash equivalents, or treasury-backed money market instruments. The sub-adviser manages the ladder and reinvestment timing to optimize yield along the front end of the US Treasury curve, and may tactically adjust the portfolios average maturity. It may be extended when market conditions favor slightly longer-dates bills, or reduced to 30 days or less to preserve liquidity or limit interest-rate risk. The strategy spreads investments across multiple near-term maturities to help manage interest-rate exposure and generate regular cash flows. As positions mature, the fund continuously rolls the portfolio into newly issued T-Bills at market rates, which may result in high portfolio turnover.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold TLDR.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.09% | -1.71% | $109 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.93% | -1.87% | $93 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.87% | -1.93% | $87 / yr |
| 🇬🇧 UK ISA | 0% | 1.09% | -1.71% | $109 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.99% | -1.81% | $99 / yr |
| 🇨🇦 TFSA | 0% | 1.09% | -1.71% | $109 / yr |
| 🇨🇦 CA Taxable | 25% | 0.82% | -1.98% | $82 / yr |
| 🇦🇺 Super (pension) | 15% | 0.93% | -1.87% | $93 / yr |
| 🇦🇺 AU Taxable | 30% | 0.76% | -2.04% | $76 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.80% | -2.00% | $80 / yr |
| 🇫🇷 FR Taxable | 30% | 0.76% | -2.04% | $76 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.27/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
TLDR pays quarterly — 4 times per year. Next ex-div: TBD.
How TLDR compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for TLDR sourced from FMP /financial-growth endpoint — real data, not estimates.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the TLDR dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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