What this ETF is trying to do

The TOEWS Agility Shares Dynamic Tactical Income ETF (THY) is designed to provide investors with regular income. It focuses on generating cash payments for people who want a steady stream of money from their investments.

What the numbers show

As of September 18, 2026, the share price was $21.35. To understand how the price has changed, we look at "price return" and "total return." Price return only tracks the share price, while total return includes the cash distributions paid to investors.

• Year-to-Date (YTD): The price return is -3.93%, but the total return is -0.45%.

• One Year: The price return is -6.41%, while the total return is -1.04%.

• Three Year: The price return is -1.79%, but the total return is 14.87%.

An estimated price from roughly one year ago was $22.81. If you had invested $10,000 based on that estimated price and only looked at the share price (ignoring distributions), your investment would be worth approximately $9,359 today.

Income and distribution explanation

This ETF usually pays investors monthly. Over the last 12 months, it made 12 payments. The distribution yield is approximately 5.78%.

It is important for beginners to know that a high distribution yield alone can be misleading. A yield tells you how much cash is being paid out relative to the price, but it does not guarantee that the overall value of your investment is growing.

NAV erosion explanation

"NAV erosion" happens when the underlying value of an ETF's assets declines over time. StockValueFinder uses an erosion-risk score to measure this. This ETF has an erosion score of 75, which is labeled as "mild price erosion." This is a measurement of risk, not a guarantee that the fund's value has collapsed.

Pros

• Regular Income: The fund provides frequent payments, usually on a monthly basis.

• Long-term Total Return: While the share price has dipped recently, the three-year total return is positive at 14.87%.

Cons

• Price Decline: The share price has fallen over the last year and so far this year.

• Erosion Risk: The fund has a "mild" erosion-risk label.

Beginner takeaway

THY is an income-focused fund. While it pays out cash regularly, the share price has seen a decline over the short term. Income investors generally care about "principal stability," which means they want the original money they invested to stay steady even while they collect checks. In this case, the total return (which includes those checks) has performed better than the share price alone.