RJ Hamster
Wrong Roth Order = Permanent Damage.
Wrong Roth order does not usually break a plan right away.
Most of the time, the numbers still look reasonable.
Taxes get paid.
Accounts move where they are supposed to go.
After 60, retirement income rarely comes from one place. Withdrawals begin. Required distributions enter the picture. Tax brackets start shifting year to year.
When a Roth conversion is done too early or too late, it can change how everything else lines up.
Income can be forced into higher brackets later. Withdrawals lose flexibility. Required distributions start interacting with Medicare thresholds in ways that are difficult to unwind.
Individually, each move can look fine. In the wrong order, those same decisions can permanently change how a retirement plan behaves.
That is why many investors step back from viewing Roth conversions as a single tax decision and review how timing and order affect their broader retirement income plan.
There is a short review designed to help identify financial advisors who evaluate Roth conversions in the context of:
- income timing
- taxes
- required distributions working together as a system, not as isolated transactions.
You answer a few questions about your situation, then review advisors who focus on this stage of retirement planning.
👉 Review advisors who focus on Roth conversion timing
More Reading from MarketBeat.com
3 ETFs Catapulting Beyond the S&P to Start the Year
By Nathan Reiff. Originally Published: 1/29/2026.
At a Glance
- A month into 2026, several standout ETFs are separating from the broader market—driven by niche themes beyond the usual mega-cap tech trade.
- Top performers include a pure-play drone ETF and a nickel miners fund, reflecting investor appetite for defense tech and EV-linked metals.
- A covered-call income ETF tied to Moderna is also surging, but its strategy trades upside potential for high distributions and adds complexity risk.
About a month into the new year, exchange-traded funds (ETFs) have accumulated enough performance data in 2026 to start separating themselves from the broader market. The best-performing funds so far this year may surprise some investors.
Beyond leveraged funds (which are not intended for long-term buy-and-hold strategies) and ETFs riding the recent gold and silver rallies, some of the top-performing ETFs focus on drone technology, nickel mining, and covered-call strategies.
Pure-Play Drone Exposure at a Pivotal Time for the Industry
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By combining artificial intelligence with unmanned aerial vehicle (UAV) systems, drone companies have the potential to transform defense, infrastructure, agriculture, and other sectors. ETFs that target this trend are emerging quickly, and the REX Drone ETF (NASDAQ: DRNZ), launched in October 2025, is one of the newest entrants.
DRNZ is notable as the only pure-play global drone ETF, which lets it capture the industry’s shift from military and defense applications into commercial and civilian uses. Its portfolio is relatively concentrated, with 43 holdings and major positions in names such as Ondas Inc. (NASDAQ: ONDS) and DroneShield Ltd. (ASX: DRO). The top three holdings represent roughly one-third of the fund, so investors should be mindful of overlapping exposure if they already own individual drone stocks.
DRNZ carries a 0.65% expense ratio, which may be reasonable given its near-30% return so far in 2026. However, as a very new fund it has relatively low assets under management and trading volume, which could create liquidity risks for some investors.
Off-the-Beaten-Path Metals Fund With International Focus and Strong Returns
Investors focused on the recent gold and silver rallies may overlook opportunities in other precious metals. The Sprott Nickel Miners ETF (NASDAQ: NIKL) is one such opportunity, positioned to benefit from companies that mine nickel — a key metal for many electric-vehicle (EV) battery chemistries. Nickel helps increase energy density and driving range, supporting long-term demand as EV adoption grows.
Among metals ETFs, NIKL is the only pure-play nickel-miner fund. It holds 27 mining companies worldwide, primarily small- and mid-cap firms operating in nickel-rich regions such as Indonesia, Australia, and Canada. That international exposure gives U.S. investors access to companies they might otherwise miss.
NIKL’s expense ratio is 0.75%. In return, the fund has delivered strong performance — nearly 31% year-to-date and about 94% over the past 12 months — along with a 1.80% dividend yield.
Unique Covered-Call Strategy on Moderna Has Paid Off
The YieldMax MRNA Option Income Strategy ETF (NYSEARCA: MRNY) may not be the most obvious ETF pick, but it has produced substantial income for investors. MRNY employs a covered-call strategy tied to shares of biotech giant Moderna Inc. (NASDAQ: MRNA), aiming to generate weekly distributions. With an annual distribution of $19.15 — equivalent to a 92.16% yield — MRNY has been highly effective at producing income over its more than two years of operation.
MRNY also holds long exposure to MRNA, so gains in the underlying stock have helped. MRNA’s roughly 55% year-to-date rise has contributed to MRNY’s approximately 47% return since the start of 2026. That said, the covered-call overlay caps upside, so MRNY will not fully mirror MRNA’s price gains.
MRNY is a niche product that may appeal mainly to sophisticated, income-seeking investors who understand options strategies; its 1.27% expense ratio reflects that specialization. Still, the fund has delivered a notable combination of high distributions and capital appreciation recently and could continue to perform well if Moderna’s stock remains strong.
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