What this ETF is trying to do

The USCF Dividend Income Fund (UDI) is an exchange-traded fund (ETF) that focuses on providing income to investors. It holds a variety of companies, with a portfolio that includes names like ConocoPhillips (4.06%), Phillips 66 (4.04%), and Johnson & Johnson (3.59%). As of October 4, 2026, the fund held a total of 43 holdings.

What the numbers show

As of September 18, 2026, the current price of UDI is $36.37. To understand how the fund has performed, we look at two different types of returns: price return (which only tracks the share price) and total return (which includes distributions).

• Year-to-Date (YTD): The price return is 12.77%, while the total return is 15.21%.

• One Year: The price return is 16.39%, while the total return is 19.74%.

• Three Year: The price return is 46.83%, while the total return is 64.21%.

For a simple example, if you had invested $10,000 based on the estimated price from roughly one year ago ($31.25), the price-only growth of 16.39% would mean your shares alone would be worth approximately $11,639.

Income and distribution explanation

UDI usually pays out distributions monthly. Over the last 12 months, it has made 12 payments. The distribution yield is 2.63%.

It is important for beginners to remember that a distribution yield is not the same as a total return. While distributions provide cash income, they do not guarantee that the original money you invested (the principal) will stay the same or grow.

NAV erosion explanation

"NAV erosion" happens when the net asset value of a fund declines over time, which can lead to a falling share price. StockValueFinder uses an erosion-risk score to measure this.

UDI has an erosion score of 100, and the erosion label states "No price erosion detected." Additionally, the severe erosion-risk flag is false, meaning the fund's price trend did not trigger a warning.

Pros

• Positive Growth: The fund has shown positive price and total returns over the short and medium term.

• Consistent Income: It provides regular monthly distributions.

• Low Erosion Risk: The erosion-risk measurements are currently rated as "good."

Cons

• Moderate Yield: The distribution yield of 2.63% may be lower than what some high-income seekers look for.

• Partial Data: The provided holdings list is partial, meaning it only shows the top companies.

Beginner takeaway

UDI is a fund that combines share-price growth with monthly cash payments. While it has seen strong total returns over the last three years, investors should always look at both the price return and the distribution yield to get the full picture of how a fund is performing.