SCHD

lakas76

You’ll be investing for a very long time, so 2% will make a difference in 20-30 years. I invest in FXAIX and then I invest in my brokerage link the rest. In there, I like SCHD and other dividend/value funds and stocks. I don’t know much about the other investment choices in the traditional 401k. I think I did 75% FXAIX, 15% international, 5% small, and 5% bonds if I remember right when I first started, but that was a long time ago. I only do FXAIX because if I put all the money into the brokerage link, I would not buy VOO (FXAIX equivalent) and want to grow my S&P holdings because I think it’s a good long term investment. If I were you and didn’t want to do too much research, I’d probably just do FXAIX and forget it. That should be really good when you plan on retiring.

Mindless_Machine_834

SCHD and SPLG unless some of my more expensive ETFs become less expensive tomorrow.

lakas76

FXAIX is just the S&P500 in a mutual fund. I invest about 50% in that and 50% in the brokerage link option, which i have as more value focused (SCHD, KO, etc.). If OP has similar options to me, their’s also has small cap, mid cap, and international mutual funds in the generic 401k option. I would probably not get the aged fund, it’s usually more expensive (fees) and more conservative (bonds).

bangkokredpill

Slow drip over time and guaranteed wealth. Guaranteed doesn't seem like manipulation to me. VOO, QQQ, SCHD, VTI - if you're not a trader - just stick to the basics and you'll win.

ImpossibleAd344

*(oops, I deleted my first post on accident.. any how)* I’m in my late 30s with a \~15-20-year time horizon and looking for advice on how to invest **$30K–$40K** in the current market. **Here’s my current setup:** * **$60K** in a high-yield savings account (HYSA) * I contribute **20%** of my check into my 401k * **$20K** in a **brokerage account** –Which is valued at 20k. It's about **50% crypto** (BTC, XRP), with the rest in individual stocks (Nvidia, TSM, Exxon) and a bit in SCHD ETF * **$3K away from maxing out my Roth IRA** for the year, which follows a 3-fund portfolio (VOO, SCHD, SCHG) * I have **no debt**, and I consistently save **$1,000/month** I’m considering moving $30k from my HYSA into the market to start, with the potential to invest more over time. I’m interested in long-term growth with moderate risk tolerance. **Given current market conditions, how would you allocate $30K–$40K with a 15- 20-year time horizon?** I’m open to thoughts on rebalancing, tilting more toward ETFs, investing in real-estate if possible, increasing international exposure (*since the US market seems shaky at the moment)*, or adjusting my crypto allocation. Thank you for your thoughts.

ImpossibleAd344

I’m in my late 30s with a \~15-20-year time horizon and looking for advice on how to invest **$30K–$40K** in the current market. **Here’s my current setup:** * **$60K** in a high-yield savings account (HYSA) * I contribute **20%** of my check into my 401k * **$20K** in a **brokerage account** –Which is valued at 20k. It's about **50% crypto** (BTC, XRP), with the rest in individual stocks (Nvidia, TSM, Exxon) and a bit in SCHD ETF * **$3K away from maxing out my Roth IRA** for the year, which follows a 3-fund portfolio (VOO, SCHD, SCHG) * I have **no debt**, and I consistently save **$1,000/month** I’m considering moving $30k from my HYSA into the market to start, with the potential to invest more over time. I’m interested in long-term growth with moderate risk tolerance. **Given current market conditions, how would you allocate $30K–$40K with a 15- 20-year time horizon?** I’m open to thoughts on rebalancing, tilting more toward ETFs, investing in real-estate if possible, increasing international exposure (*since the US market seems shaky at the moment)*, or adjusting my crypto allocation. Thank you for your thoughts.

GeorgeWashingtonTFP

SCHD, hold for the rest of your life, thank me later.

0ExotiX

Yeah, it’s doable, but super risky. SDY, LVHD, VYM, and SCHD are solid piks. Diversify to lower the risks and you should be good

Illustrious-Coat3532

VOO and SCHD start accumulating.

jb59913

I have an incredibly easy solution called $1MM in SCHD

IdkAbtAllThat

You can "safely" get around 5%, maybe a little lower. Anything higher than that and you're gonna have to take on some real risk. In a market that is especially volatile. It's up to you if you want to take on that risk. 500k at 5% is 25k a year, pretty close to your goal. You also have to factor in taxes. You can currently get 4% risk free with money market funds or laddering CDs. Or you could buy something like SCHD and get a little more, but expose yourself to the whims of the market.

vt2k

You beat me to it! Though I'd also throw in JEPI as an option. TTM dividend payment on JEPQ is 5.93, which is yielding about 11.50% and paid monthly. Since it makes money off of call options and added volatility will help (all these changing tariffs are increasing volatility), the ETF is going to generate a lot of cash to distribute to shareholders. Last month's announced dividend of $0.60 was 39.5% higher than the dividend in the same period a year ago! Once the tariffs and volatility begin to calm down, moving money into SCHD for long-term growth and relative stability could be a good option.

Unique_Chemical5719

You’re thinking in the right direction, but just keep in mind getting $2,500/month from $400K means you’re aiming for a 7.5% annual yield, which is doable but comes with risk. You’ll likely need a mix of high-yield ETFs like JEPI, QYLD, RYLD, and SCHD to get close, maybe with some REITs or covered call funds in the mix too. Selling the condo could make sense if the ROI is poor and the housing market there feels stagnant, but don’t forget that dividends can fluctuate, and capital preservation is key when you’re relying on that income. You could also phase the move sell half now, test the strategy, and see how steady the income really is. Aim for balance: income today, but not at the cost of eroding your principal too fast. Good luck.

Merchant1010

Only focus on ETFs if you are looking for passive dividend income, I would suggest JEPQ and SCHD.

Infinite-Draft-1336

Ah.. You are really new. SCHD is the ticker for dividend ETF. ETF is basically a mutual fund that's traded like stock [ticker.You](http://ticker.You) can buy and sell anytime during the day. QQQ is ETF for Nasdaq 100 offering best growth. My first investment was $1000 in an index ETF back in 2008..

Infinite-Draft-1336

If you like regular income: SCHD,(\~10%/year long term return) if you like maximum growth: QQQ (\~14%/year long term return) Buy monthly. Don't panic sell in bear market(when index drops 20% or more).

Haisaiman

What to read to start to understand options? Bottom line up front: So what information can I use to skill up on options Background: I've been selling puts and calls the last few months successfully buy getting familiar with delta, IV, theta. I also do calls and puts on popular stocks that have a lot of volume and people talking about it so I can gleam insights into “support levels” (idk how to create my own but if multiple sources are around the same then I get a bit more confident those are really support levels) For example I sold 5 cover calls expiring 5/9 on 5/5 for Meta with a strike of 632.5 for 1.38 or a little less than $700. (delta was low when I sold around .10-.15) Also sold a put at like 557.5 for like ~125$ Majority of my other positions are in ETFs like VOO/VTI/VGT/SCHD etc so they yield really low with a delta of around .10 Meta traded fairly sideways along what I was expecting and went well as they both expired OTM but I made the strike decision based on multiple other peoples definitions of support levels and delta mostly. This has been working just fine I suppose but I feel like I am making educated guesses because I don't understand more. P.s. Btw I plan on selling CC at 625 expiring on 5/16 to get around 1.87 a contract because again it seems sufficiently low risk. Also another put at around the former strike just moving the date up.

CYCLE_NYC

There is no strategy to trade or invest.... You simply buy high-quality ETF's (VOO SCHD etc)and put as much money in as you can over the course of your working career, and never sell until you retire, taking out 4% or less. ITS SO SIMPLE people think they can beat this proven way of doing it. INVESTING IS BORING. ETF's and chill

Middle-Kind

Pay off anything you're paying over 5% interest on is what I would do. Then take some of your cash and put it in something that pays a good dividend yet grows with the market like SCHD. I suggest doing it out of a IRA account and enable DRIP so it continues to grow even faster. I would just spread it out and keep cash handy in case of a complete market crash.

yodamastertampa

Check out Dividend Bull videos on YouTube. Look at the dividend calculator on tipranks and pick a high yield dividend stock like ARCC and see what numbers you get with drip on over two years. You'll be building up alot of passive income. Safer bet is SCHD. I think if you are ok with risk and taxes then consider building passive income. Leave Bogle to your 401k. Just my 2c. It's whar I'm starting to do.

Unique_Chemical5719

Solid plan wanting to build a small income stream, but just to set expectations pulling in $500 to $1K a month from $20K means you're aiming for a 30% to 60% annual yield, which is pretty unrealistic without taking on serious risk. That said, if you're cool with more modest monthly income (like $50–100), then ETFs like SCHD, JEPI, HDV, or QYLD are worth a look. They offer decent yields (4–7%) with a bit more stability. If the goal is to offset small bills, keep it simple and sustainable and let compounding do the heavy lifting over time.

ASaneDude

This. Single-stock subs are so bad here because of the cult effect. Used to be big into r/dividends but it became a SCHD sub and lost its effectiveness.

Complex-Adeptness233

Will do! After selling I increased my SCHD position

Various_Couple_764

There are two parts to your problem: 1. You re buying ETF without understanding what they are invested in. So you have multiples funds that are basically identical. 2. You are letting your fear of taxes to stop you from taking action. As to taxes the solution to the problem is to estimate your taxes. The IRS has instructions on how to do that on their web site. Basically you decide what you want to sell then start calculating what the tax bill will be. Once you know what the bill will be You can sell the asset and set some of the money asside in a savings account. Or you can pay the money now to the IRS. Then in april when you know what all of prior years numbers are you calbulcate the final bill.. If your estimate was right you owe no additional money. iF you estimate is low you pay a little more, If you payed too much you get a refund You might want to work with a tax professional to fluid you through the process. Then all you have to do is sell the asset, set money aside for the tax, and then reinvest the excess money or spend the money to cover living expenses. As to ETF they have assets they hold for you. So you need to know what it is holding before you buy. What you want is each ETF being invested in different assets. That way if an economic shift occurs some business may have problems were others will not. So you might have one or two that won't be performing well. For example in my Roth I have SCHG, QQQI, PBDC, ARDC, SCHD, SCHY, fagix. One is a bond fund one is aa growth fund, one generates cash from trading activity know as covered calls, on invest in companies that pay a high yield, one yield growth fund and one international fund. and one fund that invests in loan obligations. The dividends from these investments are currently generating 20K of cash a year. Which is all reinvested. Since it is a roth I can buy and sell without paying tax. hopefully when I reach age 60 it will generate enough cash to pay all of my bills.

CYCLE_NYC

DO NOT INVEST IN CRYPTO for the love of god. keep it boring like SCHD+VOO

Process_Pretend

100- your age = % you should put in etf like spy and qqq. You can maybe put 5% of that amount in an etf of crypto if that’s something you believe in. The rest of the money should go in strong stocks. SCHD, JEPQ, JEPI. Don’t forget to spoil yourself a bit. Money is made to be used. But best advice go see a financial specialist. A real one. Not the one pretending to be on Reddit

jay_sun88

First, I'm very sorry for your loss, and please accept my condolences 🙏🏻 Now, about handling inheritance, first educate yourself. Check out YouTube videos to learn fundamentals. Here's one @HarrysFinancialFitness Second, move money to a HYSA at Fidelity or Schwab. Do NOT consult FA! They will rip commission off you and run. Do NOT invest in anything you do not understand, like cryptos or options! Also, Check out r/SCHD and start small with DCA and keep it very simple. Also, on personal privacy, do not tell any friends or family about this. Payoff bad debts. GL 👍 and feel free to DM.

Meanboy_og

Just kept dca scalping SCHD … only made a hundred or so but at least I wasn’t red

AdSuspicious8005

Honestly man for long term investing only invest in ETFS like QQQ for tech, VOO for s&p, or SCHD for dividends. No normal person has got time for this BS. I do believe Google is still worth over 1T. So yeah it's not going to 0 or anything close to that. Just gotta remember IBM and Yahoo were once the Google and Apple.

Meanboy_og

Made a few hundred scalping a slow mover all day. SCHD lol. Nothing else .

zork2001

Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame, FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|

zork2001

Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|

zork2001

Here is a list of popular ETFs, you can compare the risks vs reward and expense ratio compared to VOO. Personally in my retirement accounts I like VOO for it low expense Ratio over a long period of time. It has a good balance of growth and dividends. For my brokerage account I am a fan of FTEC, I believe in tech and the growth can be a lot faster with the intention of selling one day and moving my money into something else. Shame FTEC went down to $140 a share and now it is back up to $171, that's a 22% increase in a month. |**ETF**|**Full Name**|**Focus**|**Risk**|**Dividend Yield**|**10-Year Return vs. VOO**|**Net Expense Ratio**| |:-|:-|:-|:-|:-|:-|:-| || || |**VOO**|Vanguard S&P 500 ETF|S&P 500 (large-cap)|Moderate|\~1.3%|Baseline|0.03%| || || |**SCHD**|Schwab U.S. Dividend Equity ETF|Dividend value stocks|Lower|\~3.5–4%|Slightly lower|0.06%| || || |**QQQ**|Invesco QQQ Trust|Tech-heavy growth|Higher|\~0.5%|Higher|0.20%| || || |**FTEC**|Fidelity MSCI Information Technology Index ETF|Pure tech sector|High|\~0.5%|Higher|0.08%| || || |**VTI**|Vanguard Total Stock Market ETF|Total U.S. market|Moderate|\~1.4%|Very similar|0.03%| || || |**VT**|Vanguard Total World Stock ETF|Global (U.S. + Intl.)|Moderate|\~2.0%|Lower historically|0.07%|

superbilliam

Trimming when and where I can. I finally set up a good DCA automatic investment plan...I've been back and forth on it for over a year, but finally convinced myself to quit trying to swing for the fences all the time. Plus, I never swung with large amounts...so the wins were nice, but left me with as much regret as the losses. SCHB, SCHG, 70% split. DGRO 15% SCHD 20% VIGI 5%. Once the dust settles, I plan to readjust a bit. For my stocks portfolio, I'm building into HON, DD, FTV, and CMCSA. All have spinoff plans. Also, BRK.B...because why not. They have a solid succession plan in place now.

RetiredByFourty

SCHD and chill is the way to go. I mean unless you don't want to get an 11% pay raise every single year that requires zero work. 😎

brrods

Personally I would put 25-30k in a standard S+P500/total market fund (VOO, SPY, VTI etc). The rest you can dabble in different things. I’d do 3-5k in bitcoin and the rest pick some individual stocks you like. SCHD Is a good starter word for high dividend payers.

Meanboynetworks

Buying SCHD. Holding UNH

vt2k

I'm a big fan of SCHD and JEPQ, especially as I'm moving my portfolio to be more dividend generating than just capital growth.

MacaroniNoise1

Hey buddy. If you haven’t noticed, any financial subreddit, is a cesspool of people telling you what you should do rather than answering your question. Do yourself a favor unless you don’t mind the berating. Idk why they can’t just give an answer to the question but would rather give you a dad talk instead 🤦‍♂️. For the record: I went with SCHD at an automatic $10 a day. That’s my set and forget for the next 30 years. Mind you I have shares elsewhere: VGT, BRK.B, NVDA. My Roth is set to invest and mainly ETFs but is being managed rather than me do it solo.

courage_and_honour1

SCHD with a 4% yield lol

Just_Value4938

But you were growth all the way up to 63. I have approx 18% of my taxable in SCHD at 38. I’m not necessarily chasing dividends but more trying to balance all the growth tilt if that makes any sense. I mean just by owning VOO your tilted tech/growth.

DazedPirate7595

So research growth stocks and funds and go into those? VOO and SCHD are my 2 go to’s right now.

Various_Couple_764

From the last lost decade (2000 to 2010) dividend and interest from bond or stock did better than growth investments, The average S&P500 return for the last lost decade was about 4.5%. Why did dividend and interest funds do better? Because the returns are much more predicable and solid than growth funds. For dividend or interest if you hold the security long enough you can get all of your money you spent to to buy it back. For individual growth stock it is almost impossible to calculate how long you have to hold it to get your money back. For example Say you invested 100K in SPYI with its 11% yield How long would you have to hold it to get 100K in dividends is about 6.5 years . For SCHD 100K invested at a 3.6% yield it would take 20 Years. With a stock like TSLY we cannot make the calculation because tesla has been in existence for 15 years and has not yet payed a dividend. The only way to get money from TSLY is to sell your stock which you can only do once. This put growth stocks way behind dividneds or interest from stocks or bonds. You don't have to sell adividend or intest fund to make a profit. You could hold it long enough to collect 100 to 300% or more to collect enough cash. So when the market tis bad good investors seek the easy solid returns. And dividend and interest for stock or bonds is a solid return With growth stock you only get an asset with no guarantee that it willl ever produce a solid return.

annoyed_meows

People say a lot of things I disagree with. I wouldn't get SCHD in taxable right now mostly because of dividends. Nut im cool with a 50k gain and paying taxes on that with a high income. No problem.

Apprehensive_Rip_930

SCHY. Largely because I’d already have FNDB or SCHB (strongly favoring the former). I like the fundamentals on all three. As an aside, I don’t like SCHD’s new emphasis on utilities for some reason but that’s just on personal preference that could change

Financial_Injury548

I think i explained my point very clearly; "You were all tricked into thinking that YieldMax is an amazing investment because MSTY paid a $4 dividend for two months because the underlying stock was up by like 400% in a year MSTY tracks MicroStrategy which has a market cap of $60 billion and only $120 million in revenue last quarter. Their market cap is entirely contingent upon the value of bitcoin MSTY's success is based upon synthetic covered calls on an unprofitable tech company who's market cap is entirely dependent on the value of bitcoin You could not possibly have a riskier long term investment, and you are currently seeing exactly what happens to YieldMax in a bear market. You lose 30% in a week and YieldMax management continues to collect 1% regardless AND you are still paying a 1% management fee and taxes on dividends that you are reinvesting into a continuously depreciating asset You should cut your losses and buy 50% VOO and 50% SCHD YIELDMAX IS A TERRIBLE INVESTMENT. I was telling everyone two weeks ago, until the MODs banned me"

xiongchiamiov

No. Go look at the prospectus. SCHX I believe is the S&P 500 fund. SCHD invests in companies believed to be likely to pay large dividends in the near future. https://www.investopedia.com/terms/d/dividendirrelevance.asp is the start of reading on why this isn't a sound strategy.

MacaroniNoise1

Doesn’t SCHD follow the S&P 500?

AutomaticSeaweed3712

I personally love using Robinhood or M1 Finance for auto investing! They're user-friendly and have great options for setting up automated investments in specific ETFs like SCHD. Give them a try!

oldmanballsacks81

Sold my upro and tqqq when we hit 567.5 on SPY. Dumped all those gains into JEPI, SCHD and a teeny lil bit on QQQI

Employee28064212

>I've been floating around 25-35% cash for a while  This is going to be a silly question, but what does this mean logistically? I've been investing for a little over a year and execute buys almost daily. SCHD, fractional shares, or full shares if the prices feels right. I've bought mostly into reliable companies and ETFs. I invest daily to capture the market from all angles. But I'm wondering what it might be like to just accumulate cash for a month or two and was thinking about doing it during my dividend payout month. Do you ever FOMO or feel like you've really missed out when you hold back on trades for a while?

scorchie

I’m not going to post my core shorts for 2 reasons: 1.) they’d look absolutely degenerate if you don’t fully buy into my thesis, so you’d lack the conviction to hold (some 5s rated funds, safe haven’s, etc) and 2.) I bought them cheap in march, they’re expensive now and tbh.:. i’m not confident they’ll payout even if I’m right at this point, fraud is rampant. XLRE/XLF/XRT naked short, regional banks (IAT/KRE), holding companies (BX/ARCC/etc.)… tbh, open the prospects for SCHD, or similar… they’re full of shit co’s I expect to default. Others would take too much explanation, and if you hood a similar belief you’re already most likely in them. dyor, not advice, but enough people upvote I figured I’d throw a bone… but I must emphasize: you need convection in the underlying structural thesis rooted in the credit markets, or else you’ll paper hand these and lose. if it was easy, everyone would be in it. Whatever you do, stay safe.

MFanatique

I see. Thanks for the information. I was planning on moving the SCHD to my RRSP so it doesn't get taxed at all, and the only thing I have to worry about was the conversion fee. If that is true I'll sell SCHD and get the Canadian equivalent, which doesn't get taxed inside my TFSA. However, reading up more about XEQT I realized that I should just sell everything and go all in on it. Is that a dumb idea? This information was something back in 2021 so I don't know how relevant it is today. Since it's an all-in-one ETF no matter which company is doing well I would have shares of it.

xiongchiamiov

>All I know is that SCHD is nice to have because it pays out dividends and I can reinvest those dividends back into it. That's actually a downside. There's something called [dividend irrelevance theory](https://www.investopedia.com/terms/d/dividendirrelevance.asp) that says when a company pays a dividend, the stock price falls by the same value. Following this, if you reinvest the dividends you end up with the same value as if they just didn't pay them out in the first place. _However_, you're forced to pay taxes on your dividends and so there's a tax drag that will lower your longterm gains in a taxable account.

Digital-Doc-777

Look at adding in some dividend stocks such as SCHD, and VYM. Also check out defensive sector areas such as VDC, and VPU.

MFanatique

* **How old are you? What country do you live in?** 33. Canada. * **Are you employed/making income? How much?** Yes. If I multiply my hourly wage for a year then I make ~52k/year. If I factor in taxes and my unpaid vacations then it's more close to 40k/year. * **What are your objectives with this money? (Buy a house? Retirement savings?)** Maybe buy a house in 10+ years but my main goal is to retire with this money in 35+ years. * **What is your time horizon? Do you need this money next month? Next 20yrs?** 30+ years. * **What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)** I am willing to wait and hold my stocks during an economic downturn, even buy a few more when the market is down. A declining market just means a sale for stocks. * **What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)** 30% SCHD, 30% XEQT, 30% VFV, 10% individual stocks (miscellaneous stocks like AMD, NVIDIA, Amazon, etc.). What I want is to have a mix of safe ETFs with growth ETFs. SCHD is in my TFSA account but I will switch it to my RRSP to avoid the withholding tax. * **Any big debts (include interest rate) or expenses?** Zero. My monthly expense is 1.5k/month. This includes everything from rent, utilities, entertainment and hobbies. * **And any other relevant financial information will be useful to give you a proper answer.** I have 30k CAD that I can invest right now. And I don't know if this matters but I am putting $200/mo on a mutual fund in my TFSA, I will lower this to $50/mo because it has a management fee and once I am more confident in my stocks I will stop it altogether. And a company matched 3% of my weekly pay to an RRSP. To start with, I have zero knowledge about investing and I don't really know what I'm doing with ETFs. I picked these ETFs after searching the internet for a couple of days on what ETFs to invest in. All I know is that SCHD is nice to have because it pays out dividends and I can reinvest those dividends back into it. XEQT is something I picked because a lot of people recommended it as a 'hands-off' ETF. I am all for that, I don't care for researching individual stocks because I don't have the motivation to learn and I might just lose money learning it. VFV is another ETF that was recommended because of how stable it is. I want to invest in both US and Canadian markets. While other Canadians are switching to an all Canadian portfolio I believe that the US market will bounce back in 5+ years. Since All three of my ETFs are 'safe' options I want another ETF that has high potential of growth. Right now I want to make a portfolio that has 30% invested in high dividends ETFs (SCHD), 30% as a 'safe' ETF (XEQT and VFV) and 30% for growth ETF (I don't know which ETFs to look for) and 10% in random stocks (which I might sell and go 100% on ETFs and don't bother with individual stocks). So my questions are: * What are some growth ETFs worth looking at? Preferably companies in both Canada and US. * Should I invest in other ETFs? For example, my SCHD is the only ETF in my portfolio with high dividend yield, should I invest in another ETF (probably Canadian) like VDY/XEI so it's 15% SCHD, VDY/XEI? * Should I sell XEQT or VFV and go all in on the other? Or Keep both? * Is investing in individual stocks a bad idea on a 'hands-off' approach regarding stocks? * I have no idea what overlapping ETFs mean and if it's a bad idea or basically a non-issue.

dorfWizard

Don’t listen to YouTubers. They mostly spread the same SCHD mind virus.  Low cost index investing is your ticket out. r/bogleheads

Ruszell

Most of what you're going to get when it comes to picking stocks is just fluff. The reality is this. Pick 10 companies, or 9 if you want to maintain a cash reserve for buying dips. Equally balance them to 10% each. Buy every paycheck equally. So if you buy $100 a week worth of stocks - you're buying $10 each of every stock per buy. A good place to pick already curated companies is from the sp500. Best to pick 2 companies from 5 different sectors. Or 3 companies from 3 different sectors using a 10% cash balance. Rebalance back to 10% each once a year. Everything else is nonsense - because no one knows the future. Knowing PE ratios, and comparing spreadsheets mean nothing in the long run, these are only short term things. If you believe in the company - during bear market, you're simply acquiring shares for cheap. Take something like SMCI - where the company didn't outperform the SP500 for 20 years... and then the last 5 years has a 4000% growth. This type of stuff happens all the time - Microsoft, apple, nvda, amd, amazon... etc People cal this risk. If you don't want risk - stick to buying VOO, SCHD, QQQ, or SPY and leave it at that.

DC8008008

That's fine but there's a ton of overlap between SCHD, VOO and QQQ.

HybriedRS

Good start! It is great you're starting so young, sure wish I had! I would recommend adding SCHD, and VOO when you can for long term holds if that is your idea.

ContagiousCantaloupe

I reinvest MSTY and XDTE into KO and SCHD

VeryStableGenius

But the value part of the stock market (eg SCHD) is trading at a perfectly nice PE. And those other carmakers are paying pretty fat dividends (maybe because sector growth opportunities are limited and they sometimes experience boom and bust cycles). So I think *some* of the market is a meme market. But I don't think it's algos, in the big picture. I think it's TSLA cultists, and the greater-fool traders who count on selling to them to take a profit. TSLA is the bitcoin of stock.

DualShockArtist

I’m around 10 percent. Most of my investments are in SCHD and Berkshire Hathaway. Market seems expensive.

Weak_Ostrich459

I'm in on SCHD rn, somewhat glad it's not a large portion of my port

pancake_gofer

This. I have some $$ in US tech and large-capitalization growth companies, but I’ve diversified into international & defense stocks plus held some grand in cash in my roth to buy US securities when they crash more. I also expect the US market to bring down others temporarily so will get those too. Have like 10-15% in defense & 10% in EU, 10% in semiconductors (not doing well but long-term will improve so discount time), plus 7% SCHD since long-term it does comparable to SPY. Also SCHD is less sensitive to downturns and dividends can add shares at a discount if the price tanks.  Rest is big companies and tech shares that have such large profit that even in a downturn I’ll be okay.

Dej28

You shouldn't feel sorry for the people who hold shit like SCHD. They're making 500k a year off dividends buddy

courage_and_honour1

Feel sorry for the bros investing in divvy shiz like SCHD lol. Meagre +.25% lol

greenpride32

My advice to you would be to hold broad market index ETF's such as VOO (or VTI) and QQQM. Add SCHD if you want less volatility. IMO NVDA AMZN and MSFT are great picks to hold long term - but unless you keep track of their business and financial health and the industries they operate in, I would stay away from individual stocks. What's good/great today doesn't mean it will be tomorrow. If you're not going to put in the effort to learn and keep up to date with them, let the index work for you instead. Just look at long term cart for VOO/QQQM and it goes up over time. Anyone suggesting to you to hold cash or equivalents doesn't have long term money in the markets. If they did, they'd be highly profitable on those investments, substantially more than in cash, and therefore would not be suggesting cash. See so many posts here on how Buffet is so smart hording cash. But what if I told you he started building his large cash position in 2015 at $100b, and it has just been growing to $330b today (by adding more cash, not by the $100b itself growing). Well $330b certainly collects alot of interest. But what if I told you SP500 5 year return is almost 100% (or double) and 10 year return is 166%. For reference, 4% annual yield on cash doubles in 18 years.

Far_Lifeguard_5027

From a tax perspective SCHD is better because the dividends are qualified, if you can handle the risk.

GarbageLate7314

Idk about holding NXE. Penny stocks are not the way to go, in my opinion. The others (seem) fine but are not the best stocks. I recommend buying SPLG and SCHD and holding SOFI.

Exciting_Delay5389

Check SCHD

Academic-Image-6097

I don't understand what you want. Do you? Do you want an UCITS alternative to SCHD? Why not something like QDIV? Or do you want one with EU companies and avoid currency risk? Then IDVY Or do you want dividend stocks in Euros? Total, Shell, Allianz, Unilever, Axa... BATS if you are okay with pounds. All dividends above 3%, profitable, P/E under 20, forward P/E under 15.. As others here will tell you: What matters is the total returns. Dividend stocks mean investing in companies that apparently have no better use for their money than giving it away as dividends instead of investing in growth. Believing 'Europe is not competitive' excludes profitable companies that operate worldwide. If it is really important to you that the asset is distributing, consider just buying globally diversified ETF, one for dividend stocks and one for bonds

VeryStableGenius

I view the irrationality as a good thing: Tesla is soaking up dollars that could be making the rest of the market more expensive. If you go to the value end of the market like SCHD and VTV, you get PE of about 16 to 19, close to the traditional value that has yielded a century of 7% return.

Far_Lifeguard_5027

Because of this administration's flip-flopping, I choose some low volatility ETFs. A combination of AOA, USMV, VFMV, SMMV, and SCHD, because it's has less drawdown. I can sleep better at night knowing it's a bit diversified with different caps.

Seed_Is_Strong

SCHD is an ETF that pays dividends and is only around $26

Perfect_Change_1586

Hello, I am a nineteen year old, currently making my way through college while living at home, who's recently come to the decision to bump up the amount that I'm investing on a monthly basis. I'm also looking to further diversify my portfolio, and could use some advice on how I should go about doing so. Previously, I've been investing, roughly, $750.00/per month into two primary stocks. Nvidia, and the SPDR S&P 500 ETF. I've decided to bump up my investment amount by double, and am now going to be putting in $1,500.00 per month. This is my current idea for allocation at the end of each month: Per month/$1,500.00 General ETFs: $1,200.00 (80.00%) —(SPY) SPDR S&P 500 ETF; $600.00 (40.00%) —(IVV) ishares core S&P 500 ETF; $250.00 (16.66%) —(SOXX) Ishares Semiconductor ETF; $250.00 (16.66%) —(ITDI) ishares 2065 target date fund ETF; $100.00 (6.66%) Dividend Funds: $150.00 (10.00%) —(SCHD) Schwab US Dividend ETF; $100.00 (6.66%) —(PLD) Prologis Inc.; $50.00 (3.33%) REITs: $100.00 (6.66%) —(VNQ) Vanguard Real estate ETF; $100.00 (6.66%) High-risk; $50.00 (3.33%) (Crypto, individual stocks, emerging markets, etc.) —(IBIT) iShares Bitcoin Trust ETF; $25.00 (1.66%) —(BITX) 2× Bitcoin Strategy ETF; $25.00 (1.66%) Any advice is appreciated, and thank you for your time!

Perfect_Change_1586

Hello, I am a nineteen year old, currently making my way through college while living at home, who's recently come to the decision to bump up the amount that I'm investing on a monthly basis. I'm also looking to further diversify my portfolio, and could use some advice on how I should go about doing so. Previously, I've been investing, roughly, $750.00/per month into two primary stocks. Nvidia, and the SPDR S&P 500 ETF. I've decided to bump up my investment amount by double, and am now going to be putting in $1,500.00 per month. This is my current idea for allocation at the end of each month: Per month/$1,500.00 General ETFs: $1,200.00 (80.00%) —(SPY) SPDR S&P 500 ETF; $600.00 (40.00%) —(IVV) ishares core S&P 500 ETF; $250.00 (16.66%) —(SOXX) Ishares Semiconductor ETF; $250.00 (16.66%) —(ITDI) ishares 2065 target date fund ETF; $100.00 (6.66%) Dividend Funds: $150.00 (10.00%) —(SCHD) Schwab US Dividend ETF; $100.00 (6.66%) —(PLD) Prologis Inc.; $50.00 (3.33%) REITs: $100.00 (6.66%) —(VNQ) Vanguard Real estate ETF; $100.00 (6.66%) High-risk; $50.00 (3.33%) (Crypto, individual stocks, emerging markets, etc.) —(IBIT) iShares Bitcoin Trust ETF; $25.00 (1.66%) —(BITX) 2× Bitcoin Strategy ETF; $25.00 (1.66%) Any advice is appreciated, and thank you for your time!

someguyonredd1t

Might as well just buy SCHD in this scenario

Longjumping-Fact-582

FWIW since you like to bet against us regarded redditors I just sold out of some of my treasuries and bought UNH, PEP, and SCHD do with that information what you will 👍🏻

zealousmisty

Canadian. 40 years old. 25 years (or less - hopefully!) until retirement. I understand I'm a bit underweight in international equities. Tariff situation aside though, I'm very bullish on US equities long-term. Would welcome any feedback! VOO - 50% QQQ - 20% VXUS - 10% VWO - 5% AVUV - 5% SCHD - 5% ROBO - 2.5% GNOM - 2.5%

LMVI31

You be better off buying $1400 worth of SCHD or some other ETF/dividend payer and just keep buying every month and not look at it for 18 years. You’re about to be a father, #1 congrats. #2 it’s time to be more responsible and put some thought into future you’s financial situation. Good luck with your gamble though, I guess.

RichardFlower7

Vanguard total market Ex US 20%, gold 10%, bonds 10%, VTI 50%, QQQM 5%, JEPQ/JEPI/SCHD/QQQI 5% is what I’m currently doing for new money in

General-Ring2780

Yea I hold SPY which is already Tech heavy. So SCHD exposes me to some great blue chip dividend stocks.

miotictyler

Curious as to what made you choose SCHD over SCHG? I've been looking at both and was leaning towards SCHG.

zooka19

I would calculate how much of that you would need and invest the rest. If you don't know what you're doing and want growth, buy some SCHG. It's a growth ETF without trying to cherry pick which stocks. I personally split my etfs into 3. Broad market, growth and dividend growth, and put the same amount in each. For you, that would be VOO/SCHG/SCHD

ChairmanMeow1986

Maybe some SCHD, VOO, VXUS, and VTSAX @ 20% to for exposure hedging agaist bonds. FXE, Swiss equivalent and GLD @ 10%.

Dalewyn

If you want to generate income from the investments then you need them in the appropriately named *fixed income* securities, namely: Short term investment grade bonds. You buy stocks when you're playing the long game and gambling on the hopes you will make significant capital gains many decades down the line, or the short game where you're day trading and hoping to make money off short term capital gains. You can hold stocks for immediate income generation if they pay good dividends (eg: a fund like SCHD), but this is honestly the worst of all worlds.

Narrow-Ad-7856

Buying SCHD with every dip

Icy_Mushroom_425

I'd definitely start diversifying - even if you love NVDA, having 50%+ in one stock is risky long-term. Index funds like VOO, VTI, and VXUS are solid core holdings. SCHD adds dividend exposure and QQQ/SCHG give you growth.

DixOut-4-Harambe

The "problem" is divesting of the Tesla stock. Sell it all at once and it stings come tax time. Sell it $100K/year, and you risk it cratering before you're done selling. That does remind me to start selling off one of my high flyers and purchase VT/VTI with it. Maybe some SCHD for more cash flow.

_Marat

SCHD

Employee28064212

I rarely see LMT come up in these conversations, but I think that's going to be my main pick for May after doing daily SCHD through the past 30 days of volatility.

therobshow

It's not that much if a gamble. Especially bc I'm only 38. If SCHD crashes that means the world economy probably did too. It's more of gamble currently. But in 4 years when the orange turd is gone and this tariff madness is done, it'll be far less of one again. A dividending growth etf would be the best way for me to go 40-45 years and live comfortably the whole time without running out of money. 

DrSeuss1020

Don’t bother with “financial advisors” half my neighborhood are in that role for JPM and they’re all dumbasses who get outperformed by the index. You have a few very easy options based on what you want. 1) Put it all into VOO and just collect the dividend or something like SCHD for a higher dividend payout. Tracking the overall index can always have the peaks and valleys but you will be fine in the long term and just collect the dividend in the meantime. 2) put it all into a MMF like SWVXX, collect the free 4% yield. You could also consider selling WAY out the money puts on SPY to be conservative on the SWVXX bag and collect something like .50% of your capital per month which would come out to a total of about 10% total return per year on what I would consider an almost zero stress passive income strategy (you’d be getting about $20k per month from this total). 3) start wheeling your favorite or preferred stock. Feel free to DM I’m happy to talk through any more with ya

Federal-Hearing-7270

You know you could've a modest house paid in cash, a modest Highlander for your family and a modest truck for yourself and the rest to SCHD. Welcome to retiring. But no, you chose to gamble it all. You're a retard.

AdSuspicious8005

Could've just put that into QQQI and lived in SEA for the rest of your life off of the dividend or SCHD.

therobshow

I immediately said this out loud. Throw it in SCHD. $90k in dividends a year without ever drawing down on the principal. Move to Thailand and live like a king. Or the Midwest and live like an average person. Either way, he was at the finish line 

newbirdhunter

Google Nvidia Microsoft SCHD VBR haven’t been good to me. Selling when I break even and going all cash until the current shit show is done.

Arminius001

So with 5k a month you can do a lot OP. I would always diversify, so some bitcoin, a good growth ETF like VOO, QQM or SCHD, then some fun stocks like NVDA, TSLA, OR PLTR. A good reit is O. For dividends I really like SPYI, they offer tax advantage dividends based on roc

Agitated_Currency444

That's not a bad portfolio split at all. That will work, BUT If you want to decrease your volatility, without losing your growth, id check this blog post out for some references. [https://realmoneymoves.com/simple-investment-portfolio/](https://realmoneymoves.com/simple-investment-portfolio/)(SCHD is a solid add)