Too late to edit my comment, but some of the responses here were right; this is a actually a bad idea, at least with the naive way I was describing it. There's

Too late to edit my comment, but some of the responses here were right; this is a actually a bad idea, at least with the naive way I was describing it. There's a lot more tax stuff that you avoid with ETFs compared to the makeshift thing I'm describing. @dang if possible can you add this to my comment because I genuinely do not want to mislead anyone and have them repeat my mistakes.