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  5. AAPL: Can you explain the product from Purpose ETF (ticker APLY) in the link below. [Apple Inc.]
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Q: Can you explain the product from Purpose ETF (ticker APLY) in the link below. Seems to be an ETF which owns Apple shares and somehow gives you yield with a call strategy as you hold. What is downside risk ? What is upside ?

Does anyone just hold shares anymore ? The financial wizardry with these ETFs seems like it will all blow up at some point just like CDOs in 2009.

https://www.purposeinvest.com/funds/apple-yield-shares-purpose-etf?utm_campaign=apple&utm_source=bnn&utm_medium=banner&utm_content=takeover

Thomas
Asked by Thomas on January 18, 2024
5i Research Answer:

APLY owns AAPL shares, and sells call options and/or put options to enhance yield. Current yield is 7.88%, vs AAPL's dividend of 0.60%. We do not have any particular issues with the set up. Some investors are not comfortable with options, and if they are willing to pay a fee on an ETF to enhance yield then that is their choice. But, in addition to the fees, the ETF is fairly small ($12M) and the options only protect part of the downside risk of the stock. If AAPL collapses, this ETF is going to get hit also. Many investors may not understand the risks, and are only looking at the high yield. This, of course, is the problem here, but not really in the product itself. Upside potential can be capped by the call options as well. Many investors believe AAPL is a mature company and thus may not grow as fast anymore, which is a possibility of course. But we would rather own the stock directly. 

Authors of this answer, directors, partners and/or officers of 5i Research and/or affiliated companies have a financial or other interest in AAPL.