I see what you're referring to. There's little_"reality" with GLDI which is a tiny monthly-pay gold-related ETN (Exchange Trade Note). The yield varies wildly by the month and with the options they are able to sell. For example, it paid $0.24 one month and $0.02 the next!
GLDI may offer some very specific benefit for exotic hedging, but it certainly doesn't belong in the portfolio of 99.9% of investors, especially retirees.
Sometimes you have to dig "Under the Hood" of investment "products" and that means reading stuff that's really hard to understand if you don't have a masters in finance.
Am I missing something with GLDI?
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