SCHD

drew-gen-x

I'm guessing on $META support level based on the long term 50 DMA. I don't own the stock. I'm invested in the $SCHD stocks and gold.

Realistic_Part_7725

VOO, SCHD, BRKB (in 40 years there’s a chance that BRK owns most the world 🤣)

arizonaskies2022

Put 40k in SCHD Schwab US dividend equity fund. Have all dividends re-invest.

RedTruck1989

Nice port you have going there. I would clip some of your losers and maybe add them to a dividend payer like SCHD or something similar. See YouTube for some great dividend play ideas ("How to retire on $50,000 in dividends" type of videos.

perfmode80

> Taxable Account: VOO, QQQM, SCHD or VIG Assuming you're still working (and thus do not need dividend income), holding SCHD/VIG means generating taxable dividends. This means paying taxes even if you never access your investments. The conventional wisdom is to avoid dividends in taxable accounts.

BiggyFluff

**The First $100,000. Does the snowball need to be constructed in a particular way?** Let's say I have VOO QQQ SCHD portfolios in both Fidelity and Vanguard totaling $100,000. When they say that the snowball/compounding explodes after $100,000, does it matter that the assets are split 50/50 in separate brokerages? Like, does the acceleration of the compounding math still work if the $100k is $50k in Fidelity, $50k in Vanguard? Or is consolidation required to unlock velocity? Also, is there a time mechanism involved also? Like, does the explosion still occur if the $100k is lump summed or does something like SCHD only really rocket when it's bought, then kept and DRIPped for a decade+?

Sea_End_1893

My situation is unique, as with every investor. My biggest problem when I started investing was FOMO and also checking prices every single day. As for "paid out", I am not at retirement age. I have gains and profits, and I'm green across the board, but I won't touch the money until I need to. I don't run the market like a casino, I don't do options, I don't do puts or calls, I just put money away every month like a savings account, and let it cook while I live my life. I'm with Fidelity, so I have FNILX as my main fund. I have MAIN and GAIN, O and VICI, SCHD and FNILX, and one day I put $30 each into JEPI and JEPQ just to start rolling dividends lmao With partial shares, or slices, or whatever you want to call it, It takes like no effort to slap $20 into VOO and let it sit for a month just to see the percentages.

hrm015

ETFs and dividends are not mutually exclusive — a lot of broad market ETFs (e.g., SPY, VUG, SCHB, etc) pay some sort of quarterly dividend. There are also dividend-focused ETFs, like SCHD

redditissocoolyoyo

Voo or VTI and chill bud. Or SCHD and jepq as well. Monthly, automated, set it and forget it.

Boysenberry-Dull

I started at 29 as well. It starts slow man but you got to get going at some point. You’re early enough that it’s more than worth it. Open a Schwab account and start putting money in monthly. By safe stocks, I do mostly Schwab ETFs… SCHG, SCHB, SCHD, SWPPX, SCHA, SCHF. Not equally weighted. I invest bi weekly and have had a 9% return over 3 years. Started at 29

g_vfx_art

Hi! Newb here, 36 y/o. Having trouble understanding something about "dividend growth %".Hypothetically, let's say my Roth IRA is $2m when I retire. Rather than just spending that money, maybe I want to live off the money it can generate.I can put it in a HYSA at 4-5%, and be happy with the interest gained off that.But what if I start building a separate brokerage account now - say SCHD or some other dividend fund - will the "dividend growth rate" push the money earned per year well over 4-5% by the time I retire in 30 years? Thanks!

ClutchCon

Never thought I’d see the day that SCHD was trending in WSB

JPows_ToeJam

Lmao why the fuck is SCHD on there Fuckin boomers taking over man

animositisomina35

SCHD was $75 at the end of April 2021 and is up 3.6% since then. Google was $118 (adjusted for the split) and is up 32% since the end of April 2021. Perhaps you are looking at a 2 year chart?

No-Improvement3164

Source: look at the charts. All are flat. SCHD pays 3.5% dividend genius

No-Improvement3164

SCHD has out preformed Apple over the last 3 years

Alec_NonServiam

The good news is a nice portion of SCHD is qualified divs, that's the whole point. The bad news is QD's are never "better" than LTCG's unless you're intentionally realizing taxes as the portfolio grows unless you're hedging against LTCG rates going up in the future.

dudehonestlyfuck

SCHD is one of my favorites

Cash_Option

Sell everything and buy QQQM and SCHD i know that's boring but i bet you will beat the s&p 500

itsmyfirsttimegoeasy

I do VOO and SCHD in my Roth.

rammerjammin

Correct. I want to leave my TSP at 100% C Fund. I have a Roth IRA full of SGOV that I can liquidate and put into whatever. Possibly SCHD. Was maybe thinking a targeted ETF too like FTEC or FENY. Have a brokerage as well. Was thinking about blowing it all on 0DTE SPY options 🤠

RJ5R

Interesting. Are you holding SCHD in taxable? I was under the impression you want to avoid dividends in taxable if you can?

bmeisler

Enough with VTI and chill! It’s like 30% mega cap tech stocks - despite the name, it is NOT diversified. SCHD (dividends), VTV (blue chips), VB (small caps) - a mixture of those with say 50% VTI - that’s diversified. You can add foreign stocks - but VWO has sucked for 25 years.

fuckaliscious

Stop doing what you're doing, put everything into VOO, VTI and SCHD. Contribute to each ETF monthly, leave it invested. That's it.

J00100101

I do this. VOO, SCHD and I throw in BRK. I know Berkshire isn't an ETF per say, but imo it pretty much is.

Sweet-Sea5935

Hey everyone. I am 20 years old, second year college student in New York. And I live in New York. I have income through Work Study and Internships. My main objective is to simply grow this money and take it out in 3-6 years to help buy a car. Given my full portfolio right now. I am invested in Apple, Microsoft, NVIDIA, SCHD, SCMI, SPY, VTI. I don’t have 1 whole stock of anything except for SCHD. Everything else is 0.1 etc for example. Would you say that its a good portfolio? I am really wondering if I should put more in VOO or SPY, but my issue is when should I buy because how low can it really get and thus how high can it get as well. I am somewhat new to this and currently have $600 in Robinhood.

Sweet-Sea5935

Thank you so much. Given my full portfolio right now. I am invested in Apple, Microsoft, NVIDIA, SCHD, SCMI, SPY, VTI. Would you day that its a good portfolio? I am really wondering if I should put more in VOO or SPY, but my issue is when should I buy because how low can it really get and thus how high can it get as well.

itsmyfirsttimegoeasy

I hold VOO and SCHD together, they have an 8% overlap by weight. Here's a fund overlap tool. https://www.etfrc.com/funds/overlap.php

AlfB63

I'm sorry about your dads situation. As to retirement, one consideration is that the best way to increase retirement is to delay SS as long as possible. Maybe waiting to retire a couple of years may be a thought for your mom. But if she indeed retires soon, a target date fund is not a good idea. I would consider a solid income oriented fund. That could be something like SCHD on the low end of yields with some growth to something like JEPI or JEPQ on the higher end of yields but less growth.

pandamonium-420

VOO + SCHD and call it the day.

Historical_Low4458

Now imagine what your portfolio would look like today if you also had something like SCHD and small cap in addition to VOO.

ptwonline

Isn't it amazing (though not in a good way) to have this kind of power? Back in 2021 I wanted to buy bonds as part of my asset allocation. However, we had higher inflation for months and so I wanted to wait because for the life of me I couldn't figure why interest rates had not risen yet. Months and months I waited. Finally I decided I just needed to do it and started my rebalancing. Within a month rates FINALLY had shot up and bonds crashed. I've continued to buy bonds as part of my allocation since then but because my inital buying was at such a higher price that I've bought 80% of my shares at an avg of about $22.70 but my overall average cost is still around $23.50. Sooooo frustrating. Or how about the tech stocks at the start of 2023? For quite a while I had wanted to rebalance out of so much tech and put more into value, but then tech crashed around Sep 2022. I didn't want to rebalance while they were down so I waited for months. Finally early Jan I decided that there was no use just trying to wait and time the market so I sold a bunch off and almost immediately those tech stocks took off like a rocket and have almost doubled since then. At the same time I decided to just put the proceeds into something safer and more steady and I was thinking of either the rock-steady SCHD or just an S&P 500 fund. I chose SCHD...and that is the quarter where SCHD finally started to suck after a decade+ of doing well and fell waaay below the S&P performance. Wow, so timing. Such choices. Much perfect. And even in the past 2 weeks. I had wanted to buy some Brookfield (BAM) stock for a couple of years but kept putting it off because there were other things I wanted to buy. Finally got my tax refund and pulled the trigger. Look at the chart for BAM in April 2024 and I bet you can guess to the day when I bought, and I've lost about 7% since then. Timing: immaculate. Now, my timing isn't always bad. But it's kind of like literal 50/50 choices I make: I get it wrong about 75% of the time. Flipping a coin? Guessing a dice roll will be even or odd? Etc. It's been a running joke in my family for decades and keeps getting reinforced because it keeps happening. It's actually amazing. Nobody wants to be my partner in things like board games because I'm so amazingly unlucky LOL.

Library_Throwaway999

Big tech companies were wildly overvalued according to business fundamentals and index funds are disproportionately exposed to big tech. Big tech companies got too expensive and index fund growth started slowing in February and March. Growth got downright choppy in early April, then Powell told us that the CPI hadn't decreased enough and Israel and Iran started going at it - people freaked out and sold. My .02? The CAPE for the S&P 500 and the Nasdaq was too damn high! The market was overpriced and a correction needed to occur. I don't think the pullback would have been as drastic if we weren't coming off such a ridiculous boom cycle. Annoyed with the rigidity and dogmatism of the Boglehead approach. It absolutely works for the most part but it has its flaws. Yes, the index funds are going back up! No, I don't want to buy them at all-time high valuations! Some of these value index funds like SCHD with boring blue-chip companies are looking attractive by comparison. Can we try to hedge and respond, FFS?

wayfarer8888

But you don't need to beat those quants. You just need to beat the dumbest ETFs like SPY or SCHD. https://youtu.be/zcTwdtcPu34?si=_9Vsgwfm0zL0Mw0c

No-Improvement3164

Ok. Look at JEPQ and SCHD 1 year charts. SCHD appears to have bounced off 200ma on Friday. JEPQ close to hitting the 200ma.

DifferentSwing3149

I have a pension, retired last year at 65, over 30 years, get around $4,200 a month no COLA. I plan to offset the COLA with dividends. Adjusted my portfolio and picked up JEPI and SCHD. Gonna get in on JEPQ now with the dip. Gonna delay SS a little longer and see how things go.

No-Improvement3164

SCHD was up over 1% I don’t believe I’ve seen this difference before. Up substantially to QQQ.

No-Improvement3164

JEPQ, IWM, SCHD Apple

zooka19

Dumped money into VOO/VUG/SCHD in my gia and VUSD/EQQQ/FUSD in my ISA

Sweet-Sea5935

Hey guys. I'm very new to this subreddit, I just joined yesterday and I was reading through all of the posts/comments. And I have two questions actually. The first is, why are a lot of people recommending investing in VOO, QQQ, SCHD, and QQQM? | was wondering what interests a bunch of people on it. Secondly, I'm somewhat new to investing and have taken it seriously within this year. I just wanted advice on what to invest in and how to more diversify my portfolio. Backstory is that im 20M, sophomore in college, and my main goal is to save for 2-6 years or till I am able to afford a car. I do have a part time job and an internship. I do currently have stock in NVIDIA, Microsoft, SCMI, SCHD, VTI, and Apple. But none of these are actually 1 whole stock its like 0.178181 for SPY for example.

OakleyPowerlifting

I need to at least max out mine my wife’s Roth IRAs this year, and I was wanting to do more, but what are yall thinking going into this possible market correction? I’ve been DCAing $150/wk per account to get the max contributions for each account, just into mainly VOO, SCHD, VEA, VWO, VTI, BB, SFYX, MSOS, VT, O, and a Fidelity Go account. People are suggesting putting my investing into a money market account or my 4.6% savings until we get lower, but not sure if SGOV in the Roth would be a good option or stay on track DCAing into my usual funds and ride it down. Open to any advice.

myco_psycho

That makes sense. I've been playing around with them recently just looking for safe short-term income vehicles (2-3 years) while I save for a house. What you make off of premiums does seem rather pathetic. Market volatility recently scares me and I need money in hand when I'm ready to buy. Maybe I'll just throw my money into SCHD and JEPI. I know long-term divvies won't beat growth, but better safe than sorry.

E2fire

If you want to get outside of the 29 day expected move you gotta go up to the 78 strike and you only get \~0.4 (mid point of bid/ask). I sold a put to start building my core SCHD position at 69 and then I started selling calls on it around December... needless to say I don't have those 100 shares anymore. I turned a core position into a wheel.

Dsanch3z

Im 24 and currently have 50% in SCHG 30% in VOO and 20% in SCHD figured since I’m young to go the growth route

sabeche

I have a time horizon of 30+ years and my roth ira is 50% FXAIX and 17.5% SCHD. The last 32.5% is split between vanguard foreign market and small/mid/large cap growth & value ETFs. My taxable brokerage account has some more aggressive positions with holdings in individual companies and sectors I think could outperform the market over the next 5-10 years. I don't day trade or buy anything I don't plan on selling for at least a year.

MikesMoneyMic

Sell all the junk in your account. Holding on to losses creates more losses. Buy VOO SCHD QQQM

DodgeBeluga

Yeah I recently converted my 401k from a previous job to IRA, bought VOO, SCHG, and SCHD. Immediate bloodbath.

Pushinir0n

Lol I bought some ETFs like VOO AND VXUS for my taxable and VTI SCHD QQQM for my Roth . That was like 2-3 weeks ago. And everyday all I’m seeing is RED lolol.. I mean I’m in it for the long term but fuccckkk I’d like to see a Green Day one day 🤣🤣🤣🤣

scientropic

Each has its place. SCHD gives you a lower current yield, but the dividends stream grows over time. JEPI shows little or no dividend growth, but the current yield is much higher. There’s no harm in owning both … you could emphasize SCHD if you’re more interested in keeping your dividends well ahead of inflation long term, or JEPI if current income is a higher priority. They’re both fine funds … it’s just a matter of which or what combination best matches your priorities.

RevolutionLazy6131

I also own JEPI and SCHD. I just checked what Mezzi suggests. Have you looked at SPYD? 0.07% expense ratio vs. 0.35% for JEPI. 4.72% dividend yield, so it's more than SCHD which as 0.06% expense ratio. Sounds like a good alternative to SCHD, though returns haven't been as good. If income is more important, then it could be a good alternative.

JeffB1517

SCHD is designed to deliver an inflation adjusted income. JEPI is a junk bond alternative, high yield but you could experience capital degredation over time. Given you are looking to maintain an income for at most 7 years I think JEPI will sustain a very high draw better. I am however assuming this money is held tax advantaged. If not SCHD is vastly more tax effecient.

Fancy-Fish-3050

Thinly traded options like SCHD typically have wide bid/ask spreads so that means that there would be much higher trading costs than something like SPY. I haven't looked at the options chains for SCHD, but this is something you should think about if you want to try to make money appropriate to the level of risk you are taking.

Cruian

>VTI FXAIX makes up over 80% of the weight of VTI. >SCHD Roughly 46% of SCHD's holdings (by count, not weight) are in FXAIX. >VOO Is the same thing as FXAIX. >Im unsure of the strategy I should be taking when deciding between ETFs, and Indexs. * Index based or actively managed describes how the contents of a fund are chosen. * ETF or mutual fund describes how the fund trades. When creating a fund, you pair 1 "contents chosen" with 1 "how it trades" for 4 main types of funds. Examples in parenthesis: ||**ETF**|**Mutual Fund**| |:-|:-|:-| |**Actively Managed**|Actively Managed ETF (ARKK)|Actively Managed Mutual Fund (FBGRX)| |**Index Based**|Index ETF (SCHF)|Index Mutual Fund (FSKAX)| Stick to the "index" row. The "how it trades" isn't a big deal in comparison. >What should I be pairing with FXAIX? FTIHX or similar. Cover the rest of the world, there's been plenty of times it was the US dragging behind. FSMAX or similar. Cover the rest of the US market, while the past decade has favored large caps, smaller companies have had periods of excellent performance as well.

Pharmacologist72

Bro, find a better stock. There are literally thousands that do this including Warren Buffet. Find good stocks that pay dividend, trade some upside for assurance and live a happy life. If you don’t want to trade stocks, then find a good fund to trade. Something like SCHD. There is a downside to everything. Just don’t get too greedy.

Trademinatrix

I been lurking around this sub for about a year. I seen how most of these people operate and the tribalization of opinions that they foster. They tend to have this superiority complex and it's funny to watch it manifest in topics like this. Same thing with the r/dividends sub. You cannot mention investing in anything outside of SCHD or O for the most part without getting neckbeards screaming at you in the comments about how risky you are being lol. If you dare counter their poorly argued points, they resort to the same bs these clowns in this sub are saying about "yOu cAnT bEaT tHe mArKeTs cUz lOoK aT aLl tHe fAiLeD fUnD mAnAgErS" lmao. I been beating the market for a very long time. It's not easy but it can be done. It's all about proper risk management, opportunity assessment, leveraging positions and having proper DD methodologies.

Trademinatrix

100% agree. On the dividends sub, if you are pushing SCHD, you will be deemed wrong and as someone who doesn’t know what he’s doing lol.

MotivatedSolid

Unless you're a sophisticated Investor, 35 securities is a lot. I'd do a mix of VOO and SCHD for a simple ETF mix. And keep some of the stocks you're most confident in. 43m is still a good age to have some individual stocks in the mix still. Once you hit your 50s will want to dial it back and focus more on dividend/value funds.

m98789

That’s already too much. SCHG for growth + SCHD for value/dividend is all you need. At your current age, I recommend still being more growth focused, e.g., an 80/20 allocation split on those. At age 55, rebalance to 50/50. At 65, rebalance to 90/10.

Adventurous_Sky_7936

Take an opportunity to learn when you are only down $10 bucks. Took me 10s of thousands before I really got serious. VOO is a long term play. Nobody is waking up the next day and retiring because their low cost index fund went to the moon. Millionaires are made over decades not over weeks. The general trend is up and to the right. Over a 20 year period S&P has been profitable 100% of the time. That said picking and choosing which 20 years the rate of return could be 5% could be 25%. NVDA has been going up fairly parabolic since the beginning of 2023. A single stock has more risk. Is it overvalued; truth is nobody knows but between those taking profits, those unsure, and those panic selling because it’s anything but nothing but gains; buying at the top or on hype comes with inherent risks. I’m heavily invested in NVDA through multiple index funds that said if you are DCAing into your position and have a 20+ year time horizon. Then cut out NVDA and build a foundation in VOO. If you are going to buy a single stock look into Warren Buffets strategy. Spoiler: it ain’t easy. What’s more he suggests the average investor invests in a low cost S&P index fund. If you want exposure to AI then look into semi conductor index funds SMT, SOXX, SOXQ…I own SOXQ which is about 12% NVDA, QQQM is about 7%, VOO is over 5%. Finally I’d suggest a 3 fund portfolio. Representing a foundation, defensive, and growth sectors. Foundation-VOO or VTI Defensive-SCHD or VYM Growth-QQQM or SCHG Bottom line don’t do what I did. If you want to maximize profits sacrifice your time to do your research. If you don’t then you’ll sacrifice your money to learn those lessons. Good luck!

doggz109

MLPs, BRK.B, and SCHD

LDeezzy15

If you want to invest in stocks that have less volatility look into dividend ETFs like SCHD. The price of the ETF doesn’t move very much but you’ll collect more in dividends over time. Lower risk lower reward.

Adventurous_Sky_7936

VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…

blazintacos

Absolutely is. Which 3 funds? I like VOO VTI QQQ SCHD. Some overlap there though so maybe two of them. I like QQQ and SCHD, they balance each other out, value and growth.

Realistic_Part_7725

BRKB SCHD and VOO. That’s all one really needs.

Realistic_Part_7725

I’d dollar cost average a set amount into ETFs/funds such as VOO SCHD BRKB DGRO SCHV. I specifically own 100% BRKB in my brokerage account (no taxation) and a mix of the others in my Roth.

Special-Economy3030

VOO & SCHD, I make boring investments after losing 30% of my portfolio to a First Republic Bank play last March.

RetiredByFourty

Want to retire early? Put those funds into SCHD and set it to automatically reinvest the dividends.

Flexorrium

Gotta put 5% into SCHD for the DOW Jones. Can't lose money in the S&P500 if you're only invested in NASDAQ & DOW!!!

Tavernman1

Without knowing her age or timeline, I would suggest 70-30 or 60-40 split of T Bill ladder and mix of ETFs SCHD,DIVO,JEPI,JEPQ,VOO/VIG

Cash_Option

SCHD QQQM buy every payday and chill

livemusicisbest

The Schwab money market fund pays a bit over 5%. Very safe. Her online broker probably has something similar. Park it there and interview a non-commissioned financial advisor who is a fiduciary— not a commission driven stock broker. No more “story stocks,” or other risky bets. SPY and VOO are great when you are younger and have a longer time horizon but safe income is best for grannies. I say this at age 68. Most of our money is in a Schwab money market account; the rest is in high-dividend stocks (or high “distribution” for MLPs) that I have researched and feel are very safe. I also have SCHD for some growth + income. Better safe than sorry.

CelestialHorizon

A general rule is as you age, and especially if you’re retired and have no direct income anymore, you’ll want a more dividend-based portfolio. That way, you can effectively take in dividends as a sort of paycheck, and hopefully, the balance remains constant, if not grows some in the account. IMO, if you’re not willing or able to do your proper due diligence on individual stocks (no, watching tv doesn’t count), you should leave your money to a low cost index fund. There’s a reason funds like VOO, VTI, and SCHD are so popular. It’s easy and generally captures most of the gains in the market.

giraffe86-a

I also think SCHD could be good for someone in their later years. Holds large companies and pays a nice dividend.

MadSnikt

SCHD

LonesomeBulldog

VGT and SCHD has minimal overlap and a 50/50 mix has historically has outperformed the S&P 500 while having lower drops in downturns.

Dougnifico

SCHG + SCHD is basically the S&P 500 with all the fat trimmed. Its a great combo.

aluna_tic

I’ve beat VOO for years with half VGT/SCHD 🤷🏽‍♂️

No-Improvement3164

SCHD looks like support?

BlackBastado-2124

I am working 2 hours of OT daily, and I’m using it to but QQQM and SCHD daily. Every 2 weeks my 401K invest $884 in the market. Every month I get my military pension and I dump all of it in the market. Set it and forget it, not wasting any more time trying to figure out this market.

Gsauce65

Seriously you should look into ETF’s like VOO, VTI and if you want to diversify with some others like VB, SPGP, XHB, VYM, SCHD etc. go for it but make sure overlap isn’t too much. Or buy blue chip stocks such as Apple, Microsoft, Amazon, META etc. if they pay a dividend then bonus to that. This is not investing advice but just what worked for me that also worked for others that helped give me advice when I started out. The meme stock stuff can work out but it’s rare and for the few. Trying to catch them at the right time is not worth it. If the AMC $$ is an amount you can stand to lose and you want to hold it then go for it but moving forward do your research on blue chip stocks or diversified ETF/index fund investments. There’s tons of info out there for you.

babarock

I like SCHG. Run a portfolio backtest to VOO VS SCHG and you will see why I run overweight on SCHG (I pair it with SCHD as I'm retired).

Pushinir0n

VTI QQQM SCHD for the next 20 years

_galaga_

To your other question, yes, you'd have to sell your VTI to buy SCHD. There's no alchemy to convert one to the other. Within an IRA, though, you don't have to worry about those tax implications so it's a non-issue. You'd face tax implications in a non-tax advantaged brokerage account.

jvillasante

Hello, I had a Roth IRA at Schwab of around 50K that I recently moved to Robinhood for the 3% match. The money arrived today and I'm thinking on how to invest it and forget it. So far this is what I'm thinking of doing: 90% VTI and 10% VXUS (I'm 40, will be adding bonds later). What do you think about those allocations, should I add bonds now? should I go with a dividends ETF instead? Would they make sense for a brokerage account also? Another question that is not clear to me is what happens if I want to change in the future my allocations? Let's say I have everything in VTI and I want to put everything on SCHD. Do I need to sell VTI to buy SCHD or is it possible to just converting? If I have to sell in order to buy another, will that trigger any taxes that I will have to pay at the time of selling? Is there a better way? Thanks in advance!

licgy

New to investing, 36 years old, I recently relocated to the US and have $650K to invest. I learned what I could in a short period of time and planning to have a professional assistant but I want to hear other opinions so maybe I will be able to tune it a bit in advance. It is also important to mention that I would like to play as safe as possible and focus on cash flow. I would like to invest it for approximately 20 years with DIP without taking any monthly income out. This is my current plan for the $550K: 1. 40%(220K) Qualified dividends - SCHD 2. 25% (137K) growth - VOO 3. 8% (45K) higher risk - JEPI 4. 7% (38K) market protection - HEQT 5. 10% (55K) Bonds - NNY (I live in New York, not sure it a good choice but I believe it is ok) 6. 10% (55K) Real Estate - VICI (45K) + O (10K) Any feedback is greatly appreciated!

Ok-Cauliflower1823

Hey all, I currently have only a 401k with company for the match. I am about to open a Roth IRA and am unsure of what ratio and exactly what to invest in, currently this is what I'm looking at doing, id appreciate any help or advice. I'm 33 and this will be held till retirement. VOO/VTI ? SCHD QQQM SMH Maybe VGT or MGK? Want to stick to 3-5 of them. Thank you!

Nramach

115k at 22 years is very impressive. So first of all - congrats on setting a great foundation. Here is how I would target the overall portfolio - invest in 3 funds. First - cash - keep about 2 months of expenses in an emergency fund. Second, build your foundations of about 40% of assets in an index fund ( VTI/VOO etc). Then build a dividend portfolio ( SCHD/ VYM) with about 25-30% of portfolio and finally a growth focus ( QQM/VUG etc) with the remaining. You can maybe put 10% in REITS as well for full diversification. Dividends and REITS go to your IRA/401k for tax advantages. All the best!

midimurph

I recommend starting with 100% allocation in VOO. I wouldn't overthink it past that if your just starting out with $1k. Setup auto invest for 5-20% of your take home pay into VOO no matter if it's going up or down. I do half of that 5-20% in my wealthfront HYSA for a guaranteed 5% return and quick access to my money in an emergency. don't withdraw anything until absolutely necessary. define your budget, automate your payments, and forget about. fine tuning your portfolio has minimal value when just starting out, but if you want to nerd out then look into some ETFs like QQQM, XLK, SPAXX, and SCHD.

Icankickmyownass

I suggested VOO or SCHD (if you’re stuck on dividends). Anything else aside from those or MMF is silly.

Icankickmyownass

VOO and SCHD. Don’t be fucking stupid. You’re down b/c you’re chasing dividends. SCHD for a lil mix of growth and divi’s. VOO for growth. Anything else and you’re doing it wrong per how you talk about the market

MikesMoneyMic

Tell your dad to dump that investment manager and do it himself. VOO QQQM SCHD is all he will need. If he wants a higher risk/reward add in a small amount of BITO (like 10% or less).

smdfire101

What's your opinion on DGRW? I recently started buying it in addition to SCHD to more diversify my dividend portfolio. Also thinking about adding Realty Income (O).

scientropic

If you’re investing in an IRA, I’m not sure that it makes much difference whether your returns come in the form of dividends or growth … you overall asset allocation is the more overriding factor. I share your concern that growth may be looking toppy. That said, it would be hard to go wrong with any of the growth funds from the major shops like Vanguard or iShares. The Schwab product might pair well with SCHD. If you go this route, you might mitigate the lack of dip concern by averaging in over a period of months or quarters.

GaylrdFocker

>At first I really liked $QQQ since it has had the highest returns out of the 3 **since inception** dip for these growth index funds recently  don’t want to lose money buying in at the top. These statement pretty much tells me you have no idea what you are talking about. QQQM is QQQ with a lower expense ratio. QQQ is set up as a Trust (UIT) and QQQM is an open ended fund. QQQ has been around a lot longer which is why the return since inception. You should just dump VOO/SCHD/SPYI and buy VTI/VXUS or VT. Don't want to lose by buying at the top? Who's to say it doesn't keep going up though? The market regularly sets all time highs. What is recently? They lost like 30% 2 years ago. That's very recent when you aren't gonna retire in almost 40 years.

DCFInvesting

I can’t say too much as my social accounts are monitored by my firm - so I’ll preface with this is my opinion only and not financial advice. I think you are spot on with your thoughts that you are 32 and can handle a lot of volatility. I’m not sure your SCHD is completely accurate in the sense that it is a “smart holdings account” - look at the S&P and SCHD during covid for example, both down 30%, and the S&P has recovered at a much higher pace than SCHD. I know a lot of people that swear by SCHD but personally I do not own it. At the end of the day I think both options you laid out for yourself will do you just fine. If you’re really interested, go to Portfoliovisualizer.com, that’s a free tool where you can input both portfolios and see how they have done historically.

crazybutthole

It doesn't have to be 40/40/20 You could easily do VTI 25% QQQM 25% VOO 25% VXUS 13% SCHD 12% It has a lot of overlap - but who cares? It's a great portfolio and not too much thought to put into it.

signo1s

So for me I am kinda thinking either 50/50 VTI/QQQM or 80/20 VTI/VXUS or 100% VTI? Also saw a guy on youtube sayins 40/40/20 VOO/QQQM/SCHD any thoughts?

SnS2500

Given what you said, get rid of SCHD. Lame return currently, with risk. There are other not very volatile ETFs that have a better return like COWG or COWZ, or get SGOV and lock up a 5.4%ish return that is totally liquid with zero risk. For the second one, VXUS has been doing pitiful because of its China holdings. If you want international, find ETFs with little or zero China exposure, at least as long as both American political parties are trade warring on China. > and then not looking back Always look forward, but don't make yourself a slave to your previous decisions. You can always change your mind if you decide to do something that makes you happier.

Kraftwerk123

38, USA Not a whole lot of time on my hands working, married, 2 kids. Have a 401K through work, with employer match at 5%, currently contributing 7%. Have 2 UGMA's for kids contributing $100 a month to each, only holding FZROX in there. I have a taxable account, with only ITOT in it, contributing $200 a month to that, while $200 stays in the SPAXX account for "just in case". have a HSA through work also, contribute $200 a month to that as well. My Roth is where I am iffy on, have been contributing full amount for the last 5 years. But have moved what's in the Roth around here or there. My question is, the Roth currently holds SCHD, FDEWX which is a target date fund, and FSKAX. Is it worth while to keep this target date fund in there? or just move all that into FSKAX which has out performed the target date fund for quite a while now. Both have almost the same amount contributed, while FSKAX has "grown" about $4000 more over the course of a few years. I try to keep everything "set it and forget it" and just check on each every other month. Just not sure if its worth the growth to keep the target date there, and move that money into FSKAX or not. Any info/help would be greatly appreciated.

shaggy98

Which one of these 2 portfolios is better for a person in its mid 30s ? **VOO 25%** **VONG 20%** **SCHD 20%** **VGT 10%** **VXUS 25%** or **VONG 25%** **VTV 20%** **VNQ 10%** **SCHD 20%** **VXUS 25%**