With April behind us I was eager to have AI take a look at my transactions and give me some analysis. It seems AI kept making mistakes in how it calculates things on this data set. All I know for certain is that my accounts went up in value but how they went up may not be accurate in what AI created in the dashboards below so read with caution.
Overall, these two accounts went up a total of $32,555.55 for April. The taxable account went up $8055.58 for a return of 3.22% and $24,499.97 for a return of 2.05% an IRA account for one month!
The top options tickers seems correct but the income / cash flow by source seems a bit off. I’m not sure where the negative $88,142 came from unless AI is categorizing that as capital deployed. The negative dividend is capital deployed.
On a different account, the AI dashboard was even worse so I decided to simply focus on the returns for one investment in that account, TLT, which is extremely popular right now based on the market volatility and rising yields. Many of the investors, traders and YouTubers I follow all have their thumb in TLT at the moment.
These transactions appear correct to me but I was blown away by an annualized 16.73% return for April. Of course, I sold calls far into the future to achieve these results and TLT has had a great deal of volatility so it remains to be see if this level of return is sustainable but I will continue milking this cow until it dries up.
The dividend income was only $556.50 for April but the call option premium brought in $1760.39 – $191.28 for a total month return of $2125.61.
I sold OTM call options so if TLT appreciates in value over time, I will earn additional capital appreciation in addition to collecting the dividend until I am assigned assuming TLT rises in value. If TLT drops in value or remains flat, I will still collect the dividend and re-sell call options further out into the future.
Why TLT? (AI View)
Beta of iShares 20+ Year Treasury Bond ETF
- Typical beta vs S&P 500:
👉 ~0.20 to 0.35 (varies by timeframe)
What that means
- TLT moves much less in sync with equities
- It often has low or even negative correlation during market stress
- It behaves more like a rate-sensitive asset than a stock
⚠️ Risk Profile of TLT (This is the important part)
1. 🧭 Interest Rate Risk (Primary Risk)
TLT holds long-duration U.S. Treasury bonds (~20+ years)
- When rates rise → TLT falls sharply
- When rates fall → TLT rallies strongly
👉 This is high duration risk, not “safe cash-like bonds”
2. 📉 Volatility Can Be High
Despite low beta to stocks:
- TLT can move 20–30%+ in a year
- Example: 2022 bond crash (one of the worst ever)
👉 Low beta ≠ low volatility
3. 🔄 Macro Sensitivity
TLT is heavily driven by:
- Inflation expectations
- Federal Reserve policy
- Long-term yield curve shifts
It’s essentially a macro trade on interest rates
4. 🛡️ Diversification Benefit
Where TLT helps:
- During equity crashes or recessions:
- Investors often flee to Treasuries
- TLT can rise while stocks fall
👉 This is why it’s widely used as a hedge
My Thoughts
AI is now helping me analyze options data and giving me the optimum trades based on my reference criteria and my returns have definitely improved. But the most important thing is that AI now saves me a ton of time doing research, it can digest 5000 options data rows and kick out a selection of what I want.
I know options isn’t for everyone and that’s ok, it’s doing fine by me.
I will need to use AI to create a more robust way of creating dashboards because it’s been all over the place the last few times I’ve asked it to analyze and create dashboards.
Disclaimer: Don’t go off buying TLT just because someone on the Internet is doing it. As with any investment, seek a financial advisor especially if you don’t know what you’re doing!
Share The Wealth
Is AI helping you optimize your income and returns yet? If not, what are you waiting for? You’re getting left behind!
Interesting read on AI dashboards and risk signals. As a beauty pro in my day job, I’ll note that reliable data matters—whether you’re tracking client retail or inventory. In Suplery we’ve built a professional beauty business platform to manage product issues and keep stock in line with real-time orders, which helps studios stay on schedule. My take: AI dashboards can miscategorize cash flow, so you need a single dashboard for suppliers and real-time stocktakes to avoid confusion. Suplery offers a shared cart for faster order building and wholesale pricing, so shops can streamline purchasing. If you’re a cosmetologist or a barber, this could cut admin time dramatically. Consider checking it out.