DGRO
iShares Core Dividend Growth ETF
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I’ve noticed a lot of "buy and hold VOO/QQQ" advice lately, which is fine for the long term, but...
Seeking Advice: Living Off $1.8M Portfolio, Growth vs Dividend ETFs
Dividends Strategy vs. S&P500 UCITS ACC ETF
How big of a percent should the Mag 7 have in a portfolio.....
Trying to figure out best dividend ETFs for dividend component of my portfolio
I’m 65 and would like to hear how others handle withdrawals from their portfolio. do I need to set up some kind of monthly income from dividends or just take money out as I need it?
Roll over Roth 401k into Roth IRA - 24 Year Old
ETFs dividends and investment stability
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
I would just invest in S&P 500(SPYM VOO etc) - top 500 companies and gets reorganized to include/remove companies World Market Fund(VT) - this is broad domestic market and also includes international stocks Dividend ETFS(do this in your roth but SCHD and DGRO) generally blue chip companies and pays a yield but also growth of roughly 10% Growth Stocks(QQQM VUG or SCHG) - stocks that are expected to outperform the market but high volatility downsides is greater but upside is the same Doesn't seem like you want to frequently monitor stocks so I would just pick ETFs that best represent your risk tolerance which is likely some combination of SPYM, SCHD, VT, and QQQM
fwiw at your age the boring total-market fund will almost certainly beat the risky individual picks over 30 years, thats just how the math tends to shake out. if you want a dividend tilt SCHD or DGRO inside the roth is reasonable, but id keep the core in VTI and treat the stock-picking as a small play-money slice you can afford to lose.
I don't know why you're being given a hard time OP. There are good solutions to this. I'd recommend something like DGRO. It's an ETF that holds US companies with at least 5 consecutive years of increasing dividends and a a payout ratio under 75%. It won't totally exclude exposure to AI companies (It holds Broadcom, Microsoft, Apple) but only 12.14% of DGRO's total fund weight is AI companies compared to 35.33% for VOO. AI companies make up 44.6% of DGRO's top 10, compared to 91.9% of VOO's top 10. Neither Space-X, Claude, or OpenAI will qualify for DGRO. Obviously, when this thing bursts, every single passive index will go down with it, but DGROs downside will be limited compared to VOO or QQQ. If you're thinking of removing volatility to purchase something like a home in a depressed market, or have a large expense coming up, you'll have a bit more peace of mind. Another alternative is BRK.B which has core AI companies comprising 31% of it's total portfolio and a huge cash hoard for a market crash. It will underperform in a bull market and out perform in a bear market.
You can get ETFs like DGRO which is VOO companies that have 5 consecutive years of dividend growth. The ETF has a 5 year dividend growth rate of 7% so you can easily outpace inflation even if it stays flat. I think it's a good shelter until the house of cards comes crashing down. VXUS is also good and seeing growth. There are still good passive options.
I did this with my wife’s 401k, my company doesn’t offer it. So for those who don’t have this option, there are other options, usually 401k plans have a 15+ options for index’s. Not every index fund will buy SpaceX; usually you can find a large cap value (which wouldn’t buy SpaceX or Tesla), large cap div growth (i like DGRO), exUS funds, some that have profit requirements, etc. It would take maybe 30-60 minutes to find a few index funds to invest in that wouldn’t buy SpaceX, maybe a bit longer if you also don’t want Tesla.
Bearish on tech when it’s 35% of the S&P? 🧐 The counter ETF to less tech is the dividend value funds like SCHD or DGRO/VYM. Or you can go really crazy and do the Ex Mag 7 ETFs.
Allocating part of your portfolio to bond ETFs, to dividend funds like SCHD/DGRO, to BRK.B are all viable solutions to diversify. Also, if you consider yourself an experienced and educated investor, consider global value ETFs, Singapore blue chip stocks (if available, many high dividend yielding), REITS and TIPS.
I own a bit by owning SCHD and DGRO. I have thought about it. I just wanted to feel a little risk by picking one.
Here are some ETFs that are more defensive / capital preservation focused in nature: DGRO, VPU, XLU, VDC, XLP, SPLV, LVHD, SCHD, SPHD, JAAA
It’s gonna be allocated as VOO 70%/DGRO 20%/SOXX5%/FICO 5%
I’m thinking about SCHD VOO and DGRO. I know VOO and DGRO share some overlap but I think it will workout for my portfolio plan
Mostly dividend ETFs like SCHD, DGRO, and VIG. But I watch the market pretty much daily, so am not super worried about going negative. At the same time, my emergency fund becomes an a income generator. I don't love the tax drag, but on balance, I've come out ahead, even with a job loss.
Could always go with something like DGRO. It includes companies with at least 5 years of consecutive dividend growth and a payout ratio of less than 75%. It's overweight in financials and healthcare with a beta of 0.8 and the top 10 holdings represent 27.1% of the total portfolio to VOO's 40% If you're saving for something in the near term or looking to diversify your investments across real estate in the next 5 years, it could be a good move. Otherwise, just put your money in VOO. It has more volatility but stronger growth.
There’s not a financial product or investing strategy out there that doesn’t have its place. Here’s my opinion: 1) Not ALL cc ETFs lag the underlying with dividend reinvestment. In fact, some can outperform in certain markets. Look into OVL, TSPY, and GPIQ. 2) Covered call ETFs that do not sell away all of their upside and are still able to offer some dividends can be a fantastic product in retirement. The asset grows (albeit slower than the underlying) and you get income. You could get better returns but you’re in retirement and income is the focus. 2) Covered call ETFs that require all distributions to match or come close to the underlying are terrible. You could make the argument that in retirement you could partially reinvest but at that point you were better off buying a cc etf like I described in point #2. 3) these only make sense in a brokerage account. In a tax sheltered account, even if you wanted to use these in retirement you should go for growth. Then swap to the covered call etf. Or even schd, DGRO, DIVO whatever. The idiots buying SCHD in their IRAs never cease to amaze me. Secondly, all distributions from tax deferred accounts are ordinary income. That’s not the case in a brokerage acct. In a brokerage account you can’t just sell one position and buy the other. You kind of have to pick a lane and stay in it. So if you want the income in retirement from the brokerage acct you have to plan it out and stick with it. 4) assuming you subscribe to all of those schools of thought, income ETFs in a brokerage account allow you to do something no 401k or IRA can do (unless you 72t but that’s another discussion) and that is generate income or sell assets prior to 59.5 yo without penalty. For someone looking to retire early, or use the income from time to time this can be a game changer. 5) In a brokerage account with income ETFs you have a number of tax levers. Capital gains (which by the way are taxed at 0% income cases and well below income ordinary rates in other cases), 1256 treatment, return of capital, qualified dividends, tax loss harvesting to name a few. 6) imagine you have an asset that didn’t erode in value but paid you in retirement that you never had to sell. And when you die your kids get that asset with a step up in cost basis. They could turn that on as an income stream immediately or let it grow and contribute to their own retirement. What other asset besides real estate (which most people can’t afford to invest in) can do that? TLDR - covered call ETFs have their place. Anyone who says otherwise is not considering all the details. Anyone who thinks they are the greatest thing to ever exist and the only way to invest is not considering all the details. The truth is somewhere in-between. It’s an investing tool. As with all things investing, use it right and it can help you reach your (completely unique to you) goals. Use it wrong and you can lose money.
You can buy DGRO and not have to pay me or meet my minimum lol
DGRO was in my watchlist, I’ll check it out again
SCHG and DGRO might be worth a look.
SPLV could be a good start. NOBL or DGRO as well. If you're looking for the safest of the safe for market exposure
You're the one with zero common sense, and it shows. You've clearly done no research, have no clue what you're even talking about. What a complete fool. Why would you invest into SCHD/DGRO and make 40% in five years after dividends just cause their dividends pay a little more? Seriously, are you that daft. Dividend growth comes from the fact QQQ share price appreciates at such a tremendous rate, if the shares are worth more the dividend increases as well how difficult is it for you to comprehend something a child could understand?! Selling covered calls on a $5 stock vs a $50 stock obviously the premiums are going to be much higher. How hard is it for you to grasp GPIQ covers 87% of the share price growth of QQQ, which translates into a higher share price. Get help you clearly need it.
I don’t give a shit what you invest in, my original comment was about you comparing SCHD/DGRO to GPIQ. Here’s a thought, since your stupid ass can’t even use some common sense. The majority of the NASDAQ100 do not provide a dividend. The average comes out to like .49% yield. These are mostly growth stocks, so they’re not increasing dividends each year. Your distributions for GPIQ is: option premium harvested + underlying dividends from the NQ100 So where the hell is your dividend growth coming from? You can see the distribution drop a couple of times in 2025, dropping to .38 cents. The first distribution given by GPIQ was for Dec 2025, and it was for .38 cents as well. Anyways, tired of arguing with your stupid ass. Ask AI, and the’ll give you the same answer. Search reddit and you’ll get the same answer.
Mislabeling GPIQ entirely, it's a cc etf OF QQQ, the largest 100 companies non-financial companies of NASDAQ. The distribution does grow, the average growth has been 13% per year before the dividend. Meanwhile, SCHD/DGRO makes 35% in five years. You're comparing a Nissan to a Lambo.
You can’t even compare GPIQ to SCHD/DGRO, that’s like comparing apples to oranges. GPIQ is a CC ETF whereas SCHD/DGRO are basically investing in large cap value that has historically grown dividends. The distribution of GPIQ never grows, as a matter of fact it can even drop in distribution.
I don't see the point of comparing QQQ to DGRO - they have different investment objectives; one growth and one income. But QQQ absolutely crushes DGRO in return, so what does it matter on the SFV metric? You'd buy QQQ if you are young and don't need the money until decades out. You'd buy DGRO if you need your investments to generate income; typically for later in the life cycle. Also you can just buy RSP ETF (SP500 equal weight) if you are concerned about high concentration. Historically it's pretty close to SPY/VOO returns. But more recently with big gains from NVDA GOOGL AVGO, the weighted index has done better.
That may be personal fear about bubble. Bubble talks and fears are always coming up and down every year after year, never ending cycle. I have been actively following market since Dec 2017 and only few ETFs can beat QQQ and QQQ returns are very reliable. DGRO is no where near QQQ level. 5 Years is a too good period to go with QQQ than DGRO. For that matter, when you fear about QQQ holding 5 years, see this person is holding TQQQ for the past 3 years and getting 28% YOY return. [https://www.reddit.com/r/TQQQ/comments/1skrbih/numerousfloor\_tqqq\_war\_chest\_apr\_13\_2026/](https://www.reddit.com/r/TQQQ/comments/1skrbih/numerousfloor_tqqq_war_chest_apr_13_2026/)
DGRO will not be attractive against QQQ as if someone invest $10000 ten years before, the growth was 192% while QQQ is 590%. Even though past growth does not guarantee future returns, it can be similar ranges in future based on funds allocation. Here is the comparison of chart. [https://imgur.com/XBC5Wc9](https://imgur.com/XBC5Wc9)
You are fine. At your age you have more than enough to retire in the stock market. Especially if you maxed out your Solo Roth 401k. You could put $100k into a dividend/covered call ETF to earn money from it. SCHD, DGRO, or JEPI. The latter (JEPI) doesn't keep up with inflation.
I would park a lot of it in stable dividend paying companies/REITs/ETFs (like SCHD, DGRO) and also bonds/ETFs that cast off enough cashflow to fund your lifestyle and be able to leave the principal untouched with some potential for growth over decades. Also, set up various CD ladders and open some HYSAs at a few institutions like local credit unions and large banks to keep risk of a collapse from taking you out. Basically, buy plenty of assets that cast off cashflow and are low risk and diversified so you don’t have to sell the stocks/equities to fund your lifestyle for an extended amount of time.
I wanted to add more Google, but not sure if it will continue to drop. I did pick up NVDA around $169. I have also been adding more DGRO.
Both safe to average down, but get most of that 50k into the S&P and maybe a little into a dividend fund like SCHD or DGRO or VYM.
150k in DGRO, 150k in SCHD, 50k in JAAA, 50k in DIVO
Stop gambling and start investing. Dollar cost average into ETFs and some high conviction blue chip stocks. Stop shorting anything. The barber goes up or sideways 80% of the time. I’ve literally become a millionaire buy buying boring funds and not getting cute with “trading” this is a tough lesson to learn. But you can and will recover. It just sucks cuz you could have bought DGRO, QQQM, VOO and you’d have been cookin. Take your licks and get back in the game without anything cute. Just DCA and rebuild.
> DGRO Why this in a taxable account?
lol I’ve lived through 5 US Wars, if this one is the one to end it all, stocks are the least of your worries. Normal $1,000 split with VOO/DGRO/SVOG tomorrow like every second to last Monday of the month.
I've only been adding some shares of a couple ETFs (SCHD, CIBR, DGRO and DIVO)
Am thinking of 50/50 SCHD/DGRO. Both seem to be solid funds. I'm not sure if they might be too conservative for a one year old even if he just keeps investing the dividends. What do yall think?
Shifting some of your holdings into dividend growth ETFs like SCHD or DGRO makes sense to secure that 4k monthly cash flow in Europe. I actually used trylattice to run some [numbers ](https://www.trylattice.io/share/cmmbdf03j01l6083uw2loxg62)on those exact funds and the interactive charts show they have a great track record of keeping up with inflation. It is super helpful for visualizing how your capital stays protected while you are drawing down for living expenses. You might also want to check the real time stock filings for those covered call funds to ensure the yields are sustainable for your long term needs.
Despite the shorter history, DIVO had similar total return (dividend reinvested) vs DGRO and SCHD since DIVO’s inception, and at the same time offers attractive yield, so it’s kind of a combination of growth and yield. You can compare DIVO vs other dividend ETFs under your watchlist here: [https://alphabetaetf.com/etfinfo/DIVO/](https://alphabetaetf.com/etfinfo/DIVO/)
Most “defensive” ETFs look expensive because they’ve already been bid up as safety trades. On forums like Reddit, people usually rotate into things like lower-multiple dividend funds (DGRO, VYM) or equal-weight/value blends rather than classic staples-heavy ETFs. Personally, I’d stop trying to find a “cheap defensive ETF” and instead look for reasonable valuation + broad diversification — true defensiveness usually comes from allocation and entry price, not the ticker itself.
I'd just put the money in VTI or VT and call it a day if you aren't close to retirement. My current allotment: 66.5% VTI (all US stocks) 3.6% SCHD (mostly mid and large cap dividend stocks) 1.2% VXUS (ex-US stocks) 1.0% First Interstate Bank (I used to work there years ago) 0.3% DGRO (Dividend growth) 20.7% corporate bond funds (high yield that are averaging about 6.5% return) 5.6% 19-year US Treasuries (I bought them last year when they were 20-year Treasuries) 0.4% 0-3 month Treasuries 0.4% cash
BRKB, VFWSX, SCHD, DGRO, VOO. If I w were starting today I’d just DCA into each of these at 20%. I also really liked William Greens book Richer, Wiser, Happier.
Yes, this is why BRK and DGRO (or a combination of the two) are increasingly being touted as a replacement for VOO if you still want exposure to the American market without the vulnerabilities of the AI buildout
You could. I’d invest in SCHD and DGRO though with that amount and just live off the dividends
Or shave off some from monthly investment amount. Divert to mortgage payment. I would still invest in something like DGRO and use the dividends to throw extra into the mortgage.
Can't you do both by investing SCHD or DGRO? Keep dumping your monthly amount. Every quarter gain a nice dividend to throw into your mortgage. In addition the etf appreciates
I’ve been learning for years and still have more to learn but so far I’m happy with my current list if you’d like to research them. GLTR, SCHD, DGRO, HDV, VTI, and of course, bitcoin.
Trimmed my portfolio quite a bit. old out of some stocks like Pfizer and some other losers. Sold some winners. Trimmed Google, Apple. Now that I'm approaching 40, I don't have much time to do analysis on stocks so I bought into DGRO, EWX, GWX, VHT, and XLU.
FDVV, FDRR, VYM, VYMI, SCHD, DGRO...any can be used. Pick what you want. The "general consensus" is to keep it simple. Why have multiple funds when 1 is fine.
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.