DGRO
iShares Core Dividend Growth ETF
Mentions (24Hr)
0.00% Today
Reddit Posts
I'm creating a portfolio for my brother, any thoughts?
Investment choices for Backdoor Roth IRA from broker
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
I wonder if Crowdfunding Real Estate investment pays better than ETFs like SCHD, OMPL, QQQ and other
Is this a good start to passive income. Set and forget?
I am putting $1000 a month into this portfolio is it good?
First ever options trade (covered call). Can you help me understand what I'm looking at...?
Looking for some advice on building a nest egg for the kids.
Mentions
Chiming in with the "dump SCHD, DGRO, and BND" folks. These are not what a young person needs to grow their portfolio for retirement. I know you say you like the criteria used to pick the holdings in SCHD and DGRO and you want to favor those types of companies. That's value investing and it can be a good choice. But you have better options than SCHD and DGRO. Check out: RWL, VTV, FFLV, DVY, CGVV, and PVAL. I own PVAL and love it, but think all of these are great value funds. Also, you haven't mentioned this aspect of your plan, but if you haven't already, I would ditch Robinhood for Fidelity, Schwab, or Vanguard. Robinhood may have a great interface and some excellent features, but it also really tends to gamify investing and lure people into risky and advanced stuff that can get them into trouble.
I’d go VOO, FTEC, and SCHD/DGRO
I'm personally shooting for 25% in Treasury Bonds (via CSHI and SGOV), 25% in ETFs that offer a mix of dividends and growth (DGRO and DIVO), 25% in growth-tech (QQQ), and 25% in high conviction stocks (primarily Google and Amazon at the moment). Good luck.
I don't think this is bad. I'd suggest perhaps DGRO or VIG instead of SCHD and I don't think you need BND at 30. Maybe could be slightly tweaked in terms of risk, but if you're a low-to-medium risk appetite, this seems to fairly well fit that. "DBS/D05" Not sure what this is - the Silver etf or the Singapore bank? If the Silver ETF, I'll note that a lot of commodity ETFs result in a K-1 form. "if the AI bubble bursts" I've read so much discussion lately with great certainty about the AI bubble and imminent bursting. I'd be more concerned if I read less about an imminent bubble bust and more about people giving up on waiting for a correction and talking about going full on into all the things that have already run up. I've trimmed some AI exposure in recent months not because of calling an imminent top, but because when things have doubled and tripled in a matter of 6 months, taking some off the table and dialing risk down a bit is prudent (and 2022/early 2025 weren't that long ago.) There have been some out of favor names lately that I've done well with while everyone has crowded into AI. So I think a lot of the easy money in AI has been made, but for all I know the theme could continue to go on for a while with corrections. Nothing about the earnings so far this season would suggest spending is cooling imminently. If you're worried about an imminent AI bubble pop, you can pivot more towards exposure to out of favor value, but then it becomes are you okay with underperforming if AI continues like this for another year? The above portfolio that you posted I think is good (and maybe a tweak or two but nothing significant) for something that's largely set and forget. If you want to make active chioces with all or part of your portfolio (allocate towards out of favor value during growth periods like this in an attempt to outperform comparatively - will still lose if there is a downturn, but likely less; if the market continues like it has you will likely underperform) you can do that but it introduces having to time shifts and potentially underperform if wrong. You could look at alternatives like long-short funds or managed futures rather than the 5% in BND, but those tend to be more expensive given the cost of shorting (and not that many funds in the category are actually good.) I don't own it but something like the Adaptive US Factor ETF (https://www.globalxetfs.com/funds/ausf) has the ability to pivot between factors - minimum volatility, value and momentum - (either allocates to two factors with a 50% / 50% weighting, or all three factors with a weighting of 40% / 40% / 20% depending on the trailing returns of each factor.) The ETF won't pivot instantly by any means and past performance isn't a guarantee of future results, but over the last 5 years that's wound up doing pretty well comparatively during the bad times (2022, early 2025) while still managing to participate pretty decently during the good times. There's all sorts of options, but it becomes how much time do you want to devote vs creating something that's largely set and forget. The indexes would be impacted if the AI bubble burst, but not as much as a portfolio that's entirely aggressive growth AI names/portfolios that look entirely like a tech/growth fund.
Hey man, solid setup for 25 – you're crushing it with that income and low cost of living situation. Let me break down what I'm seeing: **The Good Stuff:** Your savings rate is insane (like 60%+ after expenses), you're maxing tax-advantaged accounts, and the international arbitrage play is smart as hell. That 401k match is basically free money, so props for capturing the full 12%. **The ROTH – Here's Where I'd Tweak:** Your allocation isn't *bad*, but it's kinda all over the place without a clear strategy: * **VOO at 50%** – Fine, but it's just S&P 500. Pretty vanilla. * **DFIV at 20%** – International value is cool, but Japan/UK/Canada specifically? That's a weird tilt. * **EMQQ at 20%** – Emerging market *consumer internet*? Bro, that's basically a tech bet on China/India e-commerce. High risk, high reward, but also kinda meme-adjacent territory. * **AVUV at 10%** – Small cap value is solid for diversification. **My Take:** You're young with a long runway, so growth makes sense, but you need a *plan*. What's your thesis here? Are you going for: 1. **Income** (dividends/cash flow)? 2. **M&A plays** (companies likely to get acquired)? 3. **Growth** (high-quality compounders)? 4. **Sector diversification** (tech, healthcare, industrials, etc.)? Right now it feels like you're just throwing darts at different regions. I'd consolidate around a clearer strategy. Maybe: * Keep VOO or swap for VTI (total market) * Add some **dividend growth** (SCHD, DGRO) for income * Consider **sector-specific plays** instead of random geographic tilts * Drop EMQQ unless you have a strong conviction on EM consumer tech
You stay the course or diversify. Identify the ETFs that are most vulnerable. Instead of investing more heavily in common index funds like VOO or QQQ, you can diversify with DGRO (holds less tech, lower PE) or VTV which is more value focused. The U.S. in particular is vulnerable so global diversification can help, but EFV would give you the same value tilt with global stocks. Ultimately, when the bubble bursts, everything will go with it. Diversifying might save you a 10-15% decline and you might recover a little quicker, but very little, if anything, will be saved from a crash.
>DGRO or SCHD You cannot buy these in europe. There may be no good alternative. I am assuming you are in europe because you reference UCITS
Yeah I agree. This how we know we are in a big FOMO market. It remind me of 2021 when everyone thought things just keep going up. Reddit was on extreme doomer collapse bs back in April when the stock market was falling. That made me optimistic and I was buying. Right now seeing this comments is giving me extreme 2021 vibes and now I am being cautious. I will continue my weekly buys of ITOT and DGRO but as far as individual stocks snd plowing money into the market like in April that part is done for me.
I like DGRO. I'm planning on putting a large portion of my traditional IRA in an equity income mutual fund, likely either FEQIX or VEIPX, but I'm also looking at AMRMX and AWSHX.
i think you have a solid list, but a lot of your ETFs overlap in strategy, and you can trim these down specifically, SPYI, QQQI, JEPQ, and JEPI all distribute monthly dividends by selling covered calls. i’d just hold JEPQ and JEPI because they are larger funds with lower expense ratios, and they are the same strategies as the other two ETFs similarly, SCHD, DGRO, and HDV all target dividend stocks. there’s effectively no difference between investing in a dividend ETF that distributes quarterly and investing in a regular index ETF and selling it yourself. personally i’d put all my money in VOO over these
So the majority of my portfolio is in broad index funds: VOO, SCHD, DGRO. I augment income with dividend-paying stocks. For me, that's a necessity, not an option. I am usually within a % or 2,3 of the S&P 500. Even on some years, I might be ahead.
Depends on a lot of factors. I just bought a decent position in UPS on a mean reversion + high div bet. I have VIG, VYMI, DGRO and will be adding PFE and other individual beat down high div stocks soon
What you’re doing right is being to learn. For not just buy a low cost s&p 500 index, QQQM which is the NASDAQ, and a low cost total market index to hedge large cap/blue chip stocks. Some IQM, and VGT. Learn about getting what you can out of any 401k match lean harder towards a Roth 401k is possible. Max out a Roth IRA, and look into an HSA. Fidelity’s HSA is 100% investable. Calling the way build a dividend growth portfolio alongside your growth portfolio. I like DGRO, FDVV, SCHD, and DGRW.
yes, and to answer your question to keep it simple i would probably do something like total US equity (VTI) or total global equity (VT). then later down the line as you learn you can tilt to something, (value, growth, dividend growth, etc) I personally just do DGRO + satellite positions, but a lot of people here hate dividends, and I dont wanna overcomplicate things.
25% s&p 500 like FXAIX, 25% total market INDEX, 12.5% QQQM which is the NASDAQ, 12.5% VGT, 12.5% IQM and 12.5% into dividend growth. I like DGRO. FDVV might be safer with its stake in utilities, which is a growing and in demand sector. You can reinvest the gains to grow your income or skim them off and use them to pay bills. This is a solid plan. If you want safer lean more towards dividends.
25% s&p 500 like FXAIX, 25% total market INDEX, 12.5% QQQM which is the NASDAQ, 12.5% VGT, 12.5% IQM and 12.5% into dividend growth. I like DGRO. FDVV might be safer with its stake in utilities, which is a growing and in demand sector. You can reinvest the gains to grow your income or skim them off and use them to pay bills. This is a solid plan. If you want safer lean more towards dividends.
If you believe that, probably “value” ETFs like (VTV) or even dividend growth (DGRO) to keep some big stocks while minimizing the effects of any AI stock crash. There’s also ETFs concentrating on the rest of the S&P 500 like XMAG (the lower S&P 493) or iShares new XOEF (the 500 minus the top 100). While AI may be a bit overhyped IMHO, ..but still will be a force to be reckoned with.
SCHD and DGRO have different goals. DGRO uses an index to balance growth with increasing dividends, while SCHD just looks at larger stable dividend payers regardless of growth (actually the Dow 100 Dividend index). So SCHD will be yield more but also be more “staid” than DGRO NAV wise. Caution they are still stock funds and can fall with the general market, so don’t mistake them for bond substitutes.
They are all dividend funds and will hold lots of the same stocks although the weighting seems to be different, for example NOBL only has 70 holdings and most of those holdings are also in DGRO but at different weights I guess I would question why focus on dividends at all vs broad market funds? IF these are in addition to broad market funds you are not diversifying you are concentrating your portfolio as broad market funds will already hold the companies in these funds
I’ve redone my portfolio a bit since then, swapped IJR for AVUV, VIG and VYM -> DIVB/DGRO. Also included some SPMO and SCHG for growth. I like that they’re growth oriented and somewhat more diverse than QQQ/VGT.
Lots of great advice from other posters, try to diversify on her investments, look for a monthly payers like JEPI and JEPQ together they should yield you around 9% start with 5k each, reinvest dividends and add monthly. Invest in DGRO a dividend growth ETF, SCHD as well. Invest together and let her know what you are doing with her money and that you have her best interest at heart. Good luck and best wishes for you and your Mom.
S&P500 ETF at 75%, 10% in DGRO, 10% in international etf.
My fund is custom to my age,risk tolerance,strategy and what keeps me motivated to contribute as much as possible. My funds are 30% SCHX - 30% SCHD - 12.5% SCHG - 12.5 % DGRO and 15% VXUS. I think I have all my basis covered and I’ll meet my goals with these funds and allocations.
I recently rebalanced to this one… SPMO 45% SCHG 25% DGRO 30% Beats SPY in growth and volatility based on past 10 years history. They’re also low cost ETF’s.
It has been a dog for several *years* now. YTD FDVV has a 10% return, versus SCHD's pitiful 1.89%. 5 yr return for FDVV is 18%, compared to 12% for SCHD. I used to be in the SCHD cult but have grown tired of the lag. Recently dumped it and replaces with FDVV and DGRO.
CORE GROWTH - DIVIDEND SATELITE 70% CORE VTI:30% QQQM:25% VXUS:15% 30% DIVIDENDS 15% VYM:10% DGRO:5% Bond market coverage 10% schb or vti International exposure 5% vxus Real estate exposure 5% vnq**and add gold and silver etf tooo in it - they double in every 5 years also**
Can you imagine the payments you’d be receiving by just dumping into DGRO or SCHD
DGRO feels like it models out better over a couole decades than SCHD. The main thing SCHD had going for it was the compound growth rate of the dividend each year of around 13%. But for 2025 they just raised it but it was only for 3%. Plus they've been booting good companies like AVGO out of the fund for some reason while adding/keeping more questionable companies
I distributed $1000 per month SPY/VOO 50% and 50% QQQ/QQQM and $900 on 401k on S&P 500 index fund for 22 years. my main focus for the next 10 years is to grow a dividend growth portfolio. 30% SCHD 30% DGRO and 40% dividend growth stocks (V, UNH, and PEP) at the moment. Looking to add more but willing to sit on the sideline for better buying oppertunities.
Don’t invest all of it, try to DCA (dollar cost average) $10k or $20k a month. Broad and low cost ETFs are always a safe bet, so VTI or VOO would be strong options as a core holding. I am 27 and like holding exclusive growth and value funds. I use SCHG for growth and a mix of DGRO, SCHD, SCHY, and VYMI for value and international value. Of course, do your own research. Figure out your own risk tolerance (THIS IS VERY IMPORTANT). Some of my friends lost an arm and leg during April because their nerves wore weak. I help on and have since recovered thanks to my value holdings calming me down. To each their own.
Agree 100%. For OP - some of the dividend funds I suggest for your Roth: VYM, VIG, SCHD, DGRW, DGRO, VNQ, QQQ. My favorite is SCHD. Great yield + growth balance, strong total returns. Its made me a ton of money.
If your looking for some down the line big hitters? check out WWR, and PTSV. Both solid picks honestly. Other then that, hit up the big names and DGRO for sure
Growth + dividend grower: DGRO Dividend King: SCHD Growth + compound: VOO or any SP500 ETFs Crypto: IBIT or ETHA Others: VTI and VXUS DO NOT PUT IN ANY YIELDMAX ETFs. HIGH FEE AND LESS RETURN. I DON'T CARE SOME1 IN YOUR FAMILY TELLS U TO DO IT. DON'T DO IT.
Trying to de-risk while still staying exposed to the stuff you actually believe in is like walking a tightrpe blindfolded. SPYG’s been solid, yeah, but if your single-stock holdings are already tech-heavy, doubling down might just be hiding concntration risk under a fancier wrapper. A fund like SCHG or DGRO might give you a similar growth tilt without as much correlation if tech takes a breather. Are you looking for something you can forget about for a few years, or are you planing to actively monitor and shift depending on how your solo tech plays move?
Think the basic case is too high a dividend can simply be returning principal to the investor, like a high dividend fund with a flat share value (NAV) yoy. Why go through the hoops just to get your own money back? There may be tax implications like in the US and the taxation of qualified vs ordinary dividends, but that’s an individual matter (ymmv). Also high dividends may or may not provide a cushion. Take preferreds which are their own class of high yield dividend stocks with a bond like par value. They got hit in 2008 as they were almost as risky as common stock. One exception may be dividend growth (Vig, DGRO, VIGI, IGRO), but also noticed the performance was about the same as the market. I do like some dividends to help with the accumulation, but especially US markets have prioritized growth since 1900 for a reason.
> Is you invest in dividend ETFs or a single stock, is that all you get is the dividend? Any capital gains after? Yes, you get capital gains (or losses!) too. This is why it can be dangerous to go “yield chasing” and buy an ETF with magnificent yield, but then the NAV of the stock itself erodes away to eventually nothing. Other ETFs out there strike a good harmony between a stable, dependable dividend, as well as growing the NAV with it. SCHD is a popular example. > What is a good distribution yield Depends on your goals. My personal rule of thumb is 3-4% is indicative of a stable, dependable income stream (SCHD, DIVO, etc). 1-2% is ok if the ETF is growing substantially in NAV (VTI, DGRO, SCHG, etc). Once you get above 4%, look carefully at whether the NAV is growing or eroding over time. Some ETFs (JEPI, JEPQ) have yielded higher than 4% and not eroded away their NAV. But then also consider whether the total return is greater or less than more stable ETFs like SCHD or DIVO. Another thibg to consider is whether the dividends from a particular ETF are qualified or not. Qualified dividends is a fancy way of saying the dividends are taxed at capital gains rate, not income tax rate.
I regret the 2% i own in DGRO 
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.
Can you do 90 day auto renewing inflation adjusted deposits in the US? If that is the case do that every month until you get 3 months worth of your salary cycling. Then do something like putting money into DGRO, QQM and VNQ each month so you get to pick whatever is underperforming at the moment and buy more of that so when people are panicking over 20% drawdowns you are just chill. Once you have a solid foundation, go nuts 🤷♂️ (I do picks based on my particular industry knowledge, can't complain)
First off, congratulations on saving that much over that short amount of time. Very impressive. As for investing, there are a few routes you can take. If you want safe cash flow, you could create a treasury bill ladder using the treasuryditect website. Alternatively, if you want to collect regular payments via dividends, you could invest in SCHD, SCHG, O, ARCC, DGRO, and others. All of those are quarterly dividend payments to my knowledge, so you'll collect on March 31, June 30, September 30, and December 31. You can use tipranks.com or Google dividend calculators to determine how much in dividends you will collect. Lastly, you could put the money into a high-yield savings account (HYSA), but be warned that the banks can control the interest rate month over month. You can Google or go on nerdwallet to see which banks have the best HYSA interest rates. One final note: be careful investing all of your money, just in case you need emergency funds for personal / business matters. Maybe invest in the above options with $50k - $100k first to get a feel of what you're doing. DM me if you have any questions.
Opinions on DGRO? Ishares dividend growth ETF. Added a little bit of it to my IRA to sit next to my SCHD.
Ok so i just looked up some quick dividend aristocrat ETFs…. I don’t like the expense rations on any of these… even vanguards. Yes it’s only 0.06%… but with 1.8% dividend, that’s 3% of your growth gone…. But you have options: NOBL, SDY, VIG, DGRO… to name a few. I personally would look at the list of companies and pick the top 5 in familiar with that are close to best of breed.
SCHD/INCO/DGRO right now, maybe some artisan international too. Starting this week….have only $2-300k to DCA in. I’m down $500kz
Is SCHD, SCHG, VTI, VXUS and DGRO worth holding to long term?
You'd be wise to focus on growth and not income. You'll want income at retirement. And look at the historical performance of BND. If you want income you can do better with a money market, and BND historically has lost value. And DGRO, are you looking at how it did during a bull market? Not much. I will never understand the Reddit fascination with SCHD. and I used to own hundreds of thousands of dollars of it lol. briefly At your age growth will serve you best, focus on income much later in life. Good luck to you, I have made a ton with SCHG over the decade(s).
Like you, in my 50s now. We both need to have some growth in our portfolios. Odds are good that we live into our 80s and perhaps 90. We have to plan for that long a lifespan. There are balanced mutual funds and ETFs that carry stocks and bonds, Have you looked at those as an option? Vanguard has some target date ETFs that do the same. We can choose which target date ETF we want. Something like VTTHX has a 2/3 to 1/3 stock to bond mix. VTTVX is about 50-50, stocks to bonds. The drawback with target date ETFs are how often they pay dividends and capital gains: once a year in December. If looking for more frequent income, you'll need other sources. Both the two mentioned are considered by Morningstar to have moderate risk. Treasury bonds and bills are always an option and are ultra safe. They will have issues if/when rates go down. SGOV, a popular ETF, paid very, very little when interest rates were 2% or less. That's not a concern for 2025, but will if the US enters a recession and/or the Fed is forced to cut rates. I'm more or less sitting on my current mix of these ETFs: SCHD, DGRO, SPHD, VOO I have individual stocks to juice my dividend income like Realty Income, VICI, BNS and a few others. Most are pretty blue chip with a history of returns. I hold some bonds via ETFs and muni bonds too. That mix is slowly changing to have more bonds and income generators, but not radically so.
I might slash my US equity positions in my non qualified brokerage in half tomorrow. Things like DGRO QQQ and SMH. These are breakeven or up a few points (SMH is down a bit) so I will come out at a bit of a loss at open tomorrow. I will hold the emerging markets and international positions. I don’t see this ending soon and this will allow me to free up cash to potentially buy lower while keeping some skin in the game. I will be moving over $ to money market from my paychecks every two weeks and keeping a close eye. We may have been due for a recession this year anyway. I feel comfortable doing this because I look at my account every day and actively trade. I genuinely believe this could be the big recession we’ve been worried about for the past 5-8 years that never panned out.
I would rather invest in SCHD/DGRO over JNJ and VXUS. I know it is not the boglehead way, but I believe that SCHD diversifies me away from the S&P500, and I do agree with people that say most companies are global these days so international exposure is not as important. If I bought international I would probably go AVDV + IPKW/JIVE but have not looked into it that closely.
Go with broad-based ETFs like VOO or VTI. SCHD, VT or DGRO are all decent and broad ETFs for the bulk of any portfolio. Add some bonds for a little stability. And of course, whether you are using tax-deferred accounts matters too. Taxes are always a consideration. Just don't try to guess at individual stocks. Not worth the time or research effort to choose a potential winning stock. And with the market in a state of flux, you need to have a diversified portfolio for protection and that means VOO or the like.
Who cares about interest rates.? Buy a $350K property in cash, turn it into an AirBnB/vacation rental (use $50K to do that) or a long-term rental, and dump the remaining $100K into an ETF fund. ETFs are less risky than purchasing 1 stock, as they are a basket of companies. By definition, ETFs are diversified. Top 10 dividend paying ETFs according to GROK: SCHD VIG DGRO FDVV DLN SPHD VYN DVY JEPI FDV
Some sort of mixture of JEPI, SCHD, DGRO probably.
Retired (64). Accelerated my rotation from VTI into SCHD etc, TLT & cash. Started a few weeks ago, now wish I’d done it all at once instead of gradually. Prefer DGRO - no META, TSLA, AMZN or PLTR. And selling 5% below the ATH is *not* selling low - that would be selling at S&P 4000, which it feels like we’re going. If I’m wrong, so be it - I’ve already been through one period where it took 15 years to recover, too old to do it again.
I’m retired (early 60s) and have sold 1/2 my VOO and buying SCHD/DGRO, TLT and a little SLV. The S&P is insanely top heavy, with the Mag 7 making up 35%! Last time we had such concentration was 2007, when the S&P was 25% financials. Plus add tariffs, mass federal layoffs, increasing inflation so no more Fed cuts, mass insider selling, all the general chaos/instability, never mind Elon & friends literally saying “there will be a lot of pain” (not for them, of course). I’m rebalancing for diversity and hedging. If you’ve got 30-40 years left to invest, sure, buy the dip. For those of us who are starting to live off investments rather than buying…
I been rotating my stocks out of high tech stocks and slowly selling them for dividend ETFs like SCHD and DGRO since end of 2024 until a month ago. 2025 is going to have a recession with more and more unemployments while inflation continue to rise the FED will be deemed defeated even though they have been all this time. The market will finally come to reality and you’ll see a huge rotation happen and I wanted to get ahead of that.
The last few months I been slowly selling off my tech stocks that’s gone vertical and been buying majority of it into SCHD and some into DGRO. Worked out quite nicely especially when SCHS was down few bucks got in huge. I’ll let it compound next 20 years. Still have some tech stock but now makes up 35% of the portfolio.
ETFs like VTI, VOO, SCHG/D, DGRO to name a few.
I have different opinions on what sort of stock you should invest in, but we can set that aside and just discuss whether these funds are doing what you want. >70% VOO (Vanguard S&P 500 ETF) – Broad market exposure to large-cap U.S. stocks. Great choice for that. > 20% QQQM (Invesco Nasdaq-100 ETF) – Additional tech exposure with a lower expense ratio than QQQ. Only half of QQQM is technology: https://www.morningstar.com/etfs/xnas/qqqm/portfolio You probably want a fund like VGT instead. > 5% SCHD (Schwab U.S. Dividend Equity ETF) – Some dividend growth and value exposure. Dividends don't provide growth: https://www.investopedia.com/terms/d/dividendirrelevance.asp So you probably want VTV. > 5% DGRO (iShares Dividend Growth ETF) – More dividend-focused diversification See again the note on dividends.
I don't think you need SCHD and DGRO at your age. And VOO and QQQM have a lot of overlap. Just DCA into QQQM, and shift to more dividend focused ETFs gradually as you get older.
those ETFs are all OK on their own, but... - QQQM is tech only by accident, it's not intentionally a tech-focused fund. there's no reason to assume tech stocks will be the best performers over any given period of time; Here's a chart of S&P 500 sectors, year by year to show how difficult it is to predict: https://topforeignstocks.com/wp-content/uploads/2020/01/SP-500-Sector-Returns-Chart-2007-to-2019.png for all we know oil stocks, REITs or consumer goods will turn out to be the top dogs by 2035. about 80% of the stocks in QQQM are also found in VOO, so you're just doubling up on the same stocks. - DGRO and SCHD are both fine for what they are, and balancing growth with value stocks is a good observation. but I can't see any reason to hold both, or any real reason to pick them over HDV or VYM or any other dividend oriented ETF. - this portfolio overlooks both international stocks and smaller company stocks from the US, and both can beat larger company stocks for some very long periods. International chart: https://www.blackrock.com/us/financial-professionals/literature/investor-education/why-bother-with-international-stocks.pdf small cap chart: https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png
Why not consider these assets as part of a single portfolio strategy and add another one that includes some individual stocks?" "Your portfolio could be allocated as follows:" 80%: VOO, QQQM, SCHD, DGRO 20%: Individual stocks or a global index fund This is one way to minimize the risk of the portfolio
I'm looking to diversify and add some longterm ETFs for **dividends** to my portfolio. I was looking at putting a few thousand in SCHD, FDVV, FBTC, IBIT, XDTE, VYM, and DGRO and have a few hundred deposit into them every month recurring. Any thoughts?
The 10 year performance of both funds is as follows. VXUS: 5.21%, DGRO: 11.88% Making investing decisions, based upon just dividends, is never advised.
Hello all So I held on to 4 shares of VXUS for a while and wasn't too please by its performance. So yesterday, I decided to sell all 4 shares and invest it into DGRO, 5 shares specifically. My main reason for buying DGRO is due to the dividend aspect of it but it seems VXUS has a better dividend payout. Anyways, how dumb of a decision was this or was it not dumb at all? I'd appreciate any input,. Thank you
No, I never got into the xYLDs, though maybe I should. At the time I was looking at them it seemed like they were going down. But since late 2023 they've gone up pretty good (RYLD not so much), and 12% yields according to Yahoo Finance. I just discovered the [Yieldmax](https://www.yieldmaxetfs.com/our-etfs/) products a month ago, and those have *very* tasty monthly premiums (2 of them are weekly). But again I hesitate because I don't want to get good dividends just to watch the NAV go down more. ETFs: yes, and I should do them more, tbh. SMH, XLK, UNG, BITO, JETS, DGRO, FNGS, XLF are ones I'm currently in. Mostly with long Call LEAPS, but all with Calls sold against them. Somebody here, maybe it was u/VegaStoleYourTendies, convinced my by his posts to stop selling CSPs (something he wrote caught my eye, so I went and read all his posts). They have all the downside risk, and don't pay that well; something like that. So I stopped doing those and don't even have a group heading for them in ToS anymore, so I'm not tempted. And check out WMT, it's been just incredible for over a year.
He learned diversification (somewhat) as well as dollar-cost averaging. And I'd say, he didn't diversify that much. He did well with NVIDIA just by happenstance. I'd strongly suggest to dollar-cost average investing in value indexes and ETFs (DGRO is my favorite) and other blue-chip companies like Curtis-Wright and Lincoln Electric. Dividends are king.
Dividend growth funds- schd, DGRO, and AVUV.
I'm keeping all of my fixed income at shorter durations: a ladder of individual Treasuries with durations between one and five years and a five-year emergency fund in SGOV. Most of my equity investments are split between DGRO and SCHD. I share your concerns about the high valuations, but I personally wouldn't go below 30% equity exposure; we're not competing against each other, but we all have to try to beat inflation!
Apple,Schd,DGRO,Costco,nvda And just reinvest the dividends
YTD so far is as follows for me: My 401k is +23.6%, my self managed taxable is +28% and my actively managed taxable account is +14%. So basically my worst performing account is managed by professionals… granted it’s done well in down years but overall my number one account is “managed” by me and it’s 40% VOO, 35% QQQ, 10% DGRO and the rest are a mix of individual stocks. Every month I buy either VOO (if we’re near or at ATH) or QQQ (if we’re in a little slump.) I learned to VOO and chill after my first year of underperforming the market by actively trading. Occasionally if I really like a stock I’ll buy. To answer your question your original question, it takes time and mistakes to learn what type of of investor you are.
You can go 50/50 into share price appreciation and dividend growth, VTI and SCHD like you mentioned. As you invest longer and see how each fund behaves you can decide which investing style motivates you more. You're never too young for dividends, just make sure they're qualified and growing at a strong rate and you'll do great over the long term, SCHD/DGRW/DGRO are some solid dividend ETFs to start. Best of luck!
That looks really good as well. Without intruding, may I ask how many years away your target for retirement is? The only reason I ask is to get an idea of your bond percentage compared to mine. I actually dropped my % down. I'm about 10-15 years out, myself. SCHD: 30% DGRO: 20% JEPI: 15% JEPQ: 10% DIVO: 10% VNQ: 10% SCHY: 5% Roth IRA: FSKAX: 70% FSPSX: 25% FXNAX: 5%
If your primary dividends investor: SCHD (Fundamental ETF)(Quarterly Payout) DGRO (Growth ETF)(Quarterly Payout) O (REIT ETF)(Monthly Payout) JEPI & JEPQ (Income ETF)(Monthly Payout) SCHD and DGRO grows in appreciation like VOO and QQQ but the trade off SCHD and DGRO pays higher dividends but VOO and QQQ has a faster growth in appreciation. O speaks for itself which is the best REITS out there. JEPI and JEPQ has the worst appreciation growth buy has a the highest dividends payouts.
So you’re going to turn all of the returns into dividends, pay taxes on those monthly dividends and then only reinvest half of them. If you’re shooting for passing income and you want more consistency than VTI, just buy a dividend fund like DGRO.
Stay slow and consistent is the key to becoming wealthy. Buy every month consistently in less risky things like VOO ETF or dividend ETFs like DGRO or SCHD. Growth ETFs like SCHG is great too. But imo TSLA is a far less risk adjusted stock long term say 20 years from now but you have to do your own research on the company and don't let others tell you what to buy.
For me it’s SCHD(50%), DGRO(40%) & SGOV(10%).
I personally have my retirement in 40% VOO, 30% SCHD/DGRO, and 30% in TSLA. Yea the single stock position is quite big but it’s my conviction for long term.
>2. A dividend growth fund like SCHD or DGRO and bonds. Chasing dividends, especially at the expense of total return, is inneficient and suboptimal. Be aware of this.
Do voo over spy for lower fees qqqm for lower fees or SCHG and DGRO for better dividend stock selection and exposure to small and mid cap imo… but yeah my three etf fund is market tracking growth large cap and dividend growth etf
DGRO and QQQJ have been solid ETF’s and are still reasonably priced.
Late 30s. This is the core of my portfolio, I also trade options (70% of those gains goes into my Dividend Portfolio and 30% back into plays. Aiming for "I have the finances to retire when I want" in 10 years. | **Portfolio** | **ETF/Fund** | **Percentage** | |---------------------|---------------|----------------| | **Dividend Portfolio** | SCHD | 30% | | | DGRO | 25% | | | JEPI | 15% | | | JEPQ | 10% | | | DIVO | 10% | | | SCHY | 10% | | | VNQ | 10% | | **Roth IRA** | FSKAX | 60% | | | FSPSX | 25% | | | FXNAX | 15% |
Look into ETFs instead of individual stocks. I allow myself a few individual stock plays, but the majority is in an ETF basket portfolio at certain percentages with ETFs which have low expense ratios and well diversified. This happens to be my core portfolio This portfolio is designed with a mix of U.S. dividend stocks, international exposure, and real estate. Each ETF brings unique benefits, combining to offer both growth potential and dividend income. 1. SCHD (Schwab U.S. Dividend Equity ETF) – 30% What it is: SCHD focuses on high-quality U.S. companies with a track record of strong dividends. Why it's included: SCHD is known for its stability and growth potential, thanks to a selection process that favors financially strong companies. This makes it a solid foundation for dividend income while offering growth. 2. DGRO (iShares Core Dividend Growth ETF) – 25% What it is: DGRO invests in U.S. companies with a history of consistently increasing dividends. Why it's included: This ETF focuses on dividend growth, which can help outpace inflation over time. DGRO balances current income with long-term growth potential, making it ideal for compounding. 3. JEPI (JPMorgan Equity Premium Income ETF) – 15% What it is: JEPI uses a covered call strategy on large-cap stocks to generate additional income. Why it's included: JEPI’s strategy offers a higher yield than traditional dividend ETFs, providing a reliable income stream while maintaining a balanced risk profile. It’s excellent for consistent monthly payouts. 4. JEPQ (JPMorgan Nasdaq Equity Premium Income ETF) – 10% What it is: JEPQ applies a covered call approach to NASDAQ stocks, which include tech-focused, growth-oriented companies. Why it's included: This ETF balances high-income potential with exposure to growth sectors. JEPQ’s tech exposure complements the rest of the portfolio, adding a growth element with dividends. 5. DIVO (Amplify CWP Enhanced Dividend Income ETF) – 10% What it is: DIVO focuses on high-quality large-cap U.S. stocks, with an active strategy to select companies with sustainable dividend yields. Why it's included: DIVO enhances income through dividends from blue-chip companies, offering stability. This fund is ideal for regular income, as it emphasizes quality and reliability. 6. SCHY (Schwab International Dividend Equity ETF) – 10% What it is: SCHY provides exposure to international dividend-paying stocks, focusing on developed markets outside the U.S. Why it’s included: SCHY diversifies the portfolio globally, reducing dependence on the U.S. economy. International dividend stocks can add resilience to market fluctuations, making this ETF great for long-term stability. 7. VNQ (Vanguard Real Estate ETF) – 10% What it is: VNQ invests in U.S. real estate investment trusts (REITs), which own and operate real estate properties. Why it’s included: REITs offer a different type of income-generating asset, as they are required to pay out most of their income as dividends. VNQ adds sector diversification and provides reliable income through real estate exposure. --- Portfolio Benefits This mix of ETFs balances growth and income, allowing for long-term appreciation through reinvested dividends. The inclusion of U.S., international, and real estate-focused ETFs provides diversification, lowering the risk associated with single-market exposure. This approach is structured to provide steady dividend payouts while enabling capital growth over time.
I like the fund, as well as SCHD. You got a lot of great advice and know the down side of the funds - growth potential. I have JEPQ, but balanced for where I am in my career (I'd really like to retire in 15 years). As I get closer to that time, I'll rebalance from growth to returns. Here's my current dividend portfolio just to help your research. SCHD: 30% DGRO: 25% JEPI: 15% JEPQ: 10% DIVO: 10% SCHY: 5% VNQ: 5%
If you really need to keep them, I would have NVDA, ITA, shld, spmo as 5% of the portfolio each. VOO at 50%. SCHG is kinda redundant given the rest of your portfolio, I would consider value or dividend etfs and international with the remaining 30%… ie VXUS, DGRO, VTV, VYM
Diversify into SCHD, DGRO, and GOOG is undervalued. Just keep doing your research.
Hi All, I started investing in January this year when I turned 40. (YES I STARTED LATE) My current portfolio is VTI (55%), QQQM (30%), SCHD + DGRO (15%). My current portfolio is around 20k with automated investing every month of $1000 for the next 20 years. Does anyone have any thoughts on this?
If you want to have fun pick 5-10 companies you like and just hope they do well. If you want to be boring put it all in VTI and watch your money go up after watching everyone else try and single stock pick. If you want to have fun and be boring buy 3-5k of 5 companies you like, and put the rest into a mix of VTI/VOO/ 10% VXUS. Should be a good time to buy the next couple weeks. Or even more conservative DGRO or DGRW instead of VTI/VOO
DGRO, SCHD, SCHG, VYM, and VIG are all options.
I've been retired for 9 years and think your goal is correct since a sustained market drop can crash retirement plans. There are a couple of other factors, marital status and portfolio size. Your plan needs to include what happens if a spouse passes away - you lose their social security and the surviving spouse needs to be comfortable managing the investments. I sold VOO, partially replaced it with VTI and added SCHD and DGRO. Since I am forced to take RMDs some of this is in a taxable account. I have also increased bonds to 40% - half in BND and the other in VCIT. I am gradually changing the bond allocation between these two since VCIT is more correlated with stocks.
Why not just tell him to put 90-95% on SCHD, DGRO, JEPI, SPY, and IWM, maybe LLY and INTC cuz boomer, and only give him advice on the other 5-10% for yolos?
I like VOO/VTI and SCHG/QQQM. (I'm 100% VUG in my Roths). But you really don't need DGRO/SCHD.
Hey guys, 27M just starting a Roth IRA. I've been doing some research and have come up with this breakdown to start for my Roth IRA which will be maxed out yearly going forward. Any thoughts? Swaps? Advice? 1. VOO/VTI approx. 50-60% 2. Growth ETF SCHG/QQQM approx. 20-30% 3. Value/Dividend ETF- DGRO/SCHD approx. 10-20% Any advice would be much appreciated. I've done a fair bit of research but overall very new to investing.
To blunt, no dividend portfolio are nice when you have big amounts of cash to invest or you are making lots of money and have plenty of disposable income to dump into dividends stocks. Use the time you have on your side to appreciate your wealth by going to growth stocks/ETFs. Now dividends can be still a part of your portfolio but shouldn’t be a focus until closer to your retirement goal and don’t look for yield focus more on companies that are growing their dividends like V, MSFT, COST, MA, AAPL or ETFs like DGRO This is all my opinion and what I’m doing for my own goals