HDV
iShares Core High Dividend ETF
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Investment choices for Backdoor Roth IRA from broker
ASMB stock is seeing heavy trading on a collaboration announcement
I wonder if Crowdfunding Real Estate investment pays better than ETFs like SCHD, OMPL, QQQ and other
The World Platinum Investment Council (WPIC) expects a record deficit of the precious metal for the entirety of 2023.
Is it better to invest in multiple ETFs or stick to 1?
EIGR is down over 70% despite pretty good news. The coming weeks will be interesting. I guess shorts shorted it today.
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It might be a time to buy one of the dividend funds, like HDV, low management fees on that one, Even 3 month bank CDs are at 4 percent.
I had my chance. I did not move all of my VGT/XLK/QQQ into HDV. Only a measely 10% of it. And then I got complacent.
GLD and HDV saved mine.
My only regret is not trading more XLK for HDV on Wednesday.
HDV has had quite the YTD..
Before the new year it was easy: VGT/GLD/VYMI (36/36/24%). Since the new year: VGT/HDV/EEM/GLD/VYMI (24/8/4/36/24%)
VYMI up. EEM up. HDV up. Lots of good things this year!
HDV vs QQQ for 2026: the score is 14.5% to -3%
VYMI beats VXUS. HDV is a good option. It will include energy.
WTF are you talking about? Value has beaten tech for over 3 months. HDV has beaten QQQ since October.
SCHD DVY HDV FDVV FDL Cumulative Yield is 3.5% dividend yield. And remember dividends grow . SCHD is my favorite . Dividend ETFs in retirement are the goal since if your goal is to retire off dividends and not deplete your retirement this is what you’ll need. The Industry as some would call it is a SCAM. You cannot withdraw 4% of your portfolio starting balance and match for inflation due to something called NEGATIVE SEQUENCE OF RETURNS RISK. If you are selling shares in a down market you’re screwed over time and depleting your shares . You’re literally killing the goose laying the egg. Vs Withdrawing the dividends and using that to live on and budget. And not selling a single share.
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.
My thought process and approach combines a couple things you've touched on. I have one taxable brokerage set up as a short-term/defensive portfolio. I initially considered what you're doing with 3-4 years in a money market, but I felt like I didn't need to be quite that conservative. I have *one* year of essential expenses parked in a rolling ladder of treasury bills, and then 3-4x that amount in defensive investments. Those investments include various flavors of municipal bonds, a broad taxable bond index position just for diversity's sake, lower-volatility/dividend-yielding ETFs (HDV, SCHD), and defensive sector equity ETFs (XLU, VDC). My money market position, that those investments drip into, is then just a discretionary pile of cash that I can do whatever with. Maybe go towards my long-term investment account, or cover expenses, home improvement, vacation, etc. The intent is to eek out a bit more return than a money market, and give up some long-term total return in exchange for stability, while being relatively tax efficient (qualified dividends, and tax-exempt bond interest).
HDV and SCHD but it's one green day in a sea of red days for these ETFs lately
check out the stocks in HDV, which held almost completely steady through the 30% tech meltdown in 2022 https://imgur.com/a/etf-overlap-vgt-qqq-hdv-ijr-2m124NU top holdings are similar to your portfolio, including Exxon, J&J, P&G, Home Depot, Phillip Morris, etc. https://www.ishares.com/us/products/239563/ishares-high-dividend-etf
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
Sure! Overall it's a 30/70 split between equities and fixed income. My base defensive layer is the emergency fund, which I split up in rolling treasury bills with one maturing every week. Alternatively you could do SGOV, which yields a little less, but the T-bills are so easy I figure why not squeeze the most out of them. Substantial amount of municipal bonds via a national, low-expense ratio ETF, MUB. I also have in-state municipals in MSNCX, even though the expense ratio is brutal, and some individual in-state bonds laddered over the next few years. I'd be all in on individual bonds if not for the fact they're not call protected. FXNAX rounds things out with some other bond sectors. I do have a position of ANGL in this account, which I think I'll move to my higher-risk portfolio. For equities I have a substantial chunk in defensive sectors that tend to outperform the broader market during recessions - consumer staples (VDC) and utilities (XLU). The utilities position I think may have some additional upside if electric demand increases in the future by means of data centers, electric vehicles, etc. Then I also have some dividend-oriented (and sub-1.0 beta) positions of HDV and SCHD. The goal of that equity blend is to lean heavily into defensive sectors and avoid economically sensitive sectors like tech and consumer cyclicals.
If you have a long time horizon, that itself is the hedge on market corrections. Sectors like consumer staples and utilities are defensive and will probably fare better than the broader market during downturns, but you are giving up long-term return in exchange for that. Same with ETFs focusing on minimum volatility, quality, or dividend-paying equities. USMV and HDV come to mind. You can do ETF screeners with beta less than 1 to find less-than-average volatiliy. But again with all of this you tend to give up total return in exchange for it.
> so I want to rebalance my portfolio to protect against this possibility, in the short term. Here's the critical question: Is there a high likelihood you will need this money in the short term? Can you even *access* this money short term? Like if it's in an IRA and you're years away from 59.5, not so much. In any event let's assume that this is in fact an account with short-term goals. Certain sectors are less economically sensitive than others. Utilities (XLU) and consumer staples (VDC) are examples; still gotta buy paper towels and pay the electric bill, even in a recession. Dividend stocks can be lower volatility than the market on the whole. SCHD is one. HDV has an even lower beta IIRC. Bonds are certainly a thing, lot of different options there. TIPS would protect against inflation. Long treasuries (TLT) could be a hedge against rates being cut. For my short-term pool account I do roughly 1/3 each of low-volatility/defensive equities, bonds, and cash (money market). But that's just me. For my long-term accounts I just stay invested.
Solid plan wanting to build a small income stream, but just to set expectations pulling in $500 to $1K a month from $20K means you're aiming for a 30% to 60% annual yield, which is pretty unrealistic without taking on serious risk. That said, if you're cool with more modest monthly income (like $50–100), then ETFs like SCHD, JEPI, HDV, or QYLD are worth a look. They offer decent yields (4–7%) with a bit more stability. If the goal is to offset small bills, keep it simple and sustainable and let compounding do the heavy lifting over time.
> Honestly I’d like some higher potential returns To what end? What do you see using this money for? All retirement, nothing in between? I have different accounts for different goals. Hell you can have multiple *taxable* accounts for different goals. For example I have a short-ish term account for discretionary spending. "Fun money." Where I'm willing to *give up* some total return in exchange for lower volatility. Plenty of un-invested cash parked in the money market sweep position, and equity ETFs in defensive sectors, or high-quality dividend-paying companies. XLU, IYK, HDV, that sort of thing. Folks on this sub tend to bemoan dividend-oriented ETFs and make valid points on total returns making the most difference. Which is true... *in the long run.* But some of those sector and thematic ETFs, again you can get the benefit of less volatility and better performance in a recession, in exchange for giving up some long-term total return.
Okay. With ETF's and mutual funds, they are guided by a prospectus and investment objective, and particularly in the former case an index *which can change over time.* So today, 5 years from now, 10 years from now, whatever, those funds (or really the indices they're tracking) will be re-evaluating the companies that they represent as a bundle. SCHD, DVY, HDV, VYM, etc. all probably fall under that gist.
Sure, that's an option, just do the math on how much $$ you have to invest to get the dividend payout you want. So for example, to cover that $500 monthly car payment with a dividend-focused ETF like HDV with a 3.3% yield, you'd need $182,000 invested. More so if you want to cover the tax you'll pay on those dividends.
I'm (56 year old) normally a fully invested type. I use value/dividend funds as my normal cash/bond equivalents. Normally around 60% SP500 and 40% value/dividend funds like SCHD & HGV. Moved about 40% of my retirement accounts to money market back in mid January. Sitting at 40% SCHD/HGV, 40% money market, and 20% SP500. Missed gains at first caused me some anguish but he past week has made me feel better. So I'm at the exact spot you are inquiring about. When do I start DCAing my cash back in? Kept me awake at night. So here is what I decided. Given my age, I want to swap my "normal". So goal by end of 2025 is 60% value/dividend funds and 40% SP500. Here is what I decided: Each week beginning Monday I will be DCAing 5% of my my current cash back into the market, split evenly between SCHD/HDV and S&P500 fund with the goal of being 100% back in the market by end of year 2025. If anyone knows what date would be the market bottom, give heads up please!
Not everything is crashing. Reddit has this idea everything is collapsing, because reddit loves trendy fast-growth tech and indexes that are getting rekt. many conservative, value, blue-chip type funds are up YTD or just flat (DODGX, HDV, FEQTX, LEXCX, DODBX, FEQIX etc) as are many international ETFs (VXUS, VYMI, CGIE)
>I don't really believe in the "buy the dip" mentality. sigh... let's turn to Peter Lynch of Fidelity, one of the most successful investors in history: >The following calculations, made at my request by Fidelity’s technical department, have strengthened the argument for investing on a schedule. If you had put $1,000 in the S&P 500 index on January 31, 1940, and left it there for 52 years, you’d now have $333,793.30 in your account. This is only a theoretical exercise, since there were no index funds in 1940, but it gives you an idea of the value of sticking with a broad range of stocks. >If you’d added $1,000 to your initial outlay every January 31 throughout those same 52 years, your $52,000 investment would now be worth $3,554,227. **Finally, if you had the courage to add another $1,000 every time the market dropped 10 percent or more (this has happened 31 times in 52 years), your $83,000 investment would now be worth $6,295,000. Thus, there are substantial rewards for adopting a regular routine of investing and following it no matter what, and additional rewards for buying more shares when most investors are scared into selling.** Peter Lynch with John Rothschild, *Beating the Street* (1993) >I believe in deploying cash into the market when there is CERTAINTY lol, buy only when everyone else is buying and optimistic. great plan. >To buy when others are despondently selling and to sell when others are avidly buying requires the greatest fortitude and pays the greatest ultimate rewards. ~~ John Templeton (1912-2008), whose flagship fund beat a global index by 3-5% a year for decades. >The media reporting that Trump is intentionally pushing the US into recession has a lot of validity. the same media that denied Biden was suffering from dementia? >I am glad I sold most of my non-retirement investments as soon as Trump's tariffs didn't look like a bluff if you're so convinced of this thesis, why not move the retirements accounts to the money market fund? >Been enjoying nice gains in Gold (GLDM) and the 4%+ in SGOV I'm heavy on US international and value stocks, and also up ~4% on several accounts YTD. HDV is up 4.6% YTD, CGIE is up 7.2%.
HDV and RDIV both had ~7% gains in 2022. LEXCX has only ~20 stocks but managed a 4% gain in 2022.
HDV and RDIV both had ~7% gains in 2022. LEXCX has only ~20 stocks but managed a 4% gain in 2022.
check out The Little Book of Sidways Markets, by Vitaliy Katsenelson if your entire portfolio got wrecked yesterday, might want to revisit your allocations. My guess is you're very heavily concentrated in "growth" stocks, which nosedived yesterday. "Value" stocks generally fared a bit better (HDV was actually up a quarter point) and bonds were mostly positive. part of constructing a good portfolio is selecting assets with different holdings, strategies or 'low correlation', because this means they're less likely to crash all at the same time and might respond differently under various economic conditions. a common problem I see on reddit is people with 3+ ETFs or funds that have excellent short-term performance in the last ~5 years ... but to quote Rob Arnott "if your entire portfolio is doing well, you're not diversified enough"
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
>in 2022 we saw that SPMO did not go down as much as the S&P500. that's interesting, I didn't know. but HDV and RDIV both had ~7% gains in 2022. not just a softer crash, but actual gains. it's often difficult to predict how things will develop and SPMO has a 2015 inception, so there's simply no data on how this ETF might perform in a bear market that needs years to recover, like after the 2000-2002 meltdown.
Have to start somewhere. I suggest using something like Robinhood and auto invest on a regular basis. I do this - $5 day - with SCHD, HDV, SPHD. Over 20 years, I’ll have a healthy portfolio. I ran each through Monte Carlo simulations and my results look pretty good! At 20 years, HDV gets $100k At 20 years, SCHD gets $125k At 20 years, SPHD gets 95k Note amounts are mid-point of Monte Carlo. These are pre-tax amounts with historical inflation used. I can only run monthly contributions not daily. Some of us have limited incomes for various reasons. We do the best we can.
When interest rates in Russia are at 21%, there are several strategies to capitalize on this high-rate environment, but you need to be cautious due to potential volatility and currency risks. Let’s break down some strategies: 1. ETFs on American Markets While there aren’t direct ETFs tied solely to the Russian central bank’s interest rates, there are a few options you could explore: • Russia-focused ETFs: Although many major Russian ETFs were delisted or severely restricted post-2022, some funds may still exist in other international markets. However, these investments would carry high geopolitical and regulatory risks. Be cautious with any Russia-related exposure. • Emerging Market Bond ETFs: Some ETFs hold debt from multiple emerging markets, which may include Russian bonds indirectly if access becomes available again. Examples include $EMB (iShares J.P. Morgan USD Emerging Markets Bond ETF) or other funds focusing on government bonds. Again, check whether they include Russian bonds, as many have excluded them. • Commodity and Energy ETFs: Given Russia’s heavy dependence on energy exports, indirect exposure through energy or commodity-based ETFs like $XLE (Energy Select Sector SPDR Fund) might offer a play on broader macro conditions affecting the region. 2. Dividend Funds • High-Yield Dividend ETFs: You can find U.S.-based high-yield dividend ETFs or funds that invest in stable companies offering good dividend yields. For example, $VYM (Vanguard High Dividend Yield ETF) or $HDV (iShares Core High Dividend ETF) are popular options. • International Dividend Funds: Some international dividend ETFs focus on markets with high-yielding stocks. However, check whether Russia is excluded due to geopolitical factors or specific index rules. 3. Carry Trade Strategy If you have access to Russian financial markets or currency trading, you could employ a carry trade strategy by borrowing at low rates in a stable currency and investing in Russian financial instruments at higher rates. This strategy is highly speculative and hinges on the stability of the ruble against major currencies.
True, 'dividend investing' implies an emphasis on dividend-paying stocks. I was just illustrating to OP that broad index investing also includes dividends, even if they're not the focus of the index. But you'll also find Meta or NVDA in some dividend-oriented ETFs or funds, depending on how it's constructed. for example neither of those stocks is held in HDV or SPYD, but they're both held in FDGFX.
> Dotcom bubble is a whole separate thing, I don't think those examples are relevant to today's market, nice try but HDV had a 7% gain in 2022 when tech stocks crashed ~30%.
> If tech crashes, news flash, everything else is going down with it that's simply not accurate. **entirely** incorrect. in 2022, VGT crashed 29%, but HDV (blue chip dividend stocks, heavy on energy and healthcare) had a 7% gain. after the dot com bubble when the market crashed due to heavy tech concentration, bonds rallied. https://www.thebalancemoney.com/stocks-and-bonds-calendar-year-performance-417028 - 2000 aggregate bond index up 11.63%, S&P 500 down 9.03% - 2001 agg index up 8.43%, S&P 500 down 11.85% - 2002 agg index up 10.23%, S&P 500 down 22.97% the S&P 500 dropped almost 12% in 2001 due to heavy tech concentration, but REITs were up 5.6%. https://www.globest.com/2001/06/11/reit-index-up-5-6-in-2001/?slreturn=2024082484755 when the S&P 500 crashed after 2000, the S&P 600 small caps and S&P 400 mid caps did slide, but they recovered much faster and went on to beat the S&P 500 and tech stocks by over 2x during the next 20 years. https://contrarianoutlook.com/wp-content/uploads/2016/09/SPY-Midcap-Smallcap-20yr-Chart.png
HYSA for emergency fund, VTI and HDV for the retirement accounts.
>Can someone show me how those big declines were distributed in the past? equal weight indexes crashed about as much as market weight portfolios during crashes. https://blogs.cfainstitute.org/investor/2021/09/10/equal-vs-market-cap-weighted-portfolios-in-stock-market-crashes/ however, dividend-paying stocks tend to have much less drastic drawdowns during crashes. in 2022 the market dropped ~20%, but dividend-oriented ETFs like SCHD dropped ~3% and HDV had a 7% gain.
Right now I’m 60% VOO 20% Aeschylus of HDV & SMH. Probably overkill and should probably be 100% VOO.
Roth IRA, what are or your op I’m 19 and Recently opened a Roth IRA on M1, my etfs(only) are HDV, SCHD,DGRO, JEPI,VGI and VOO. I’m only a year into value investing and these seem to be somewhat beneficial for long term growth. Any advice is appreciated. I currently only invest my taxed brokerage on M1 and do $50 a week to DCA it.
SPY is 25% large tech stocks which have been inflated due to AI, as long as you accept that risk then SPY is good. Other options would be some split of VOE, XMHQ, HDV, VWO, VEA.
The first question you want to answer for yourself is this: How involved do you want to be? If the answer is not very much, or you are intimidated by this like a lot people are, start with ETFs. Pick some like SPHD, HDV, or VOO that are spread among a lot of companies already, and just do monthly buys. Even with what you have now, just put it all on 2 or 3 ETFs and keep adding $50 or $100 per month. Whatever is comfortable for your budget. If you find yourself with more time, experience pr money (or all three) and you want to min/max a strategy yourself, start researching companies that consistently are growing and profitable. Find ones you like and pick up shares. If you like buying and trading you absolutely can but that's very involved. You can easily grab a company like Amazon or Costco and just sit on the shares for years. Value grows and you will be able to sell for more than what you paid. And if you want to sit on your portfolio long term without selling to make money, you can even specialize your investing to center on dividend investments that pay you monthly or quarterly. This can be great if you just want to watch your money grow and still get money to either use for yourself or re-invest for faster growth. Either way, most strategies want you to do what some here have said: buy and forget about it. Robinhood is nice now that they let you set up auto-invests either to your brokerage account or straight to a particular stock. AND you can do partial investments, so if you can't afford a whole stock you can put a set dollar amount to it and get a fractional share. This lets you start small and grow your collection. The key here is consistency. Add money regularly based on your budget and leave it there. To do it right it will take time, but even $100 will go a long way if it sits on a good ETF.
Buy boring HDV or VOE, don't buy growth right at the peak.
FSTA, ILCV, BRKB (not technically an ETF but might as well be), and DGRO. I do have a few low growth stocks in there like HDV and FUTY that havent given me much back yet. All dividends reinvest back into the stock until I need to use them, plus my cash on hand earns 2.69%
Dividend stocks were printing: [https://www.google.com/finance/quote/HDV:NYSEARCA](https://www.google.com/finance/quote/HDV:NYSEARCA)
I invest SCHB, HDV and BLV using dividend generated by Money market funds which weight 80% in my portfolio.
VCN.TO or XIC.TO in tfsa. VOO/HDV/VOE in RRSP. VWO/VOE in margin. For maximum diversity and to avoid withholding taxes.
I would stick to VOO/VEA/VWO for the lower fees. I would perhaps add some VOE and HDV to the VOO for some US diversity though, its quite top heavy.
If you want stability buy etf. VOE and HDV are a pretty good combo.
Trials for psychedelics have been going decently smooth, approvals and stuff may delay it but I’m not expecting that sector to do anything for about 5-7 years. I’ve got recurring deposits for HDV 5$ a day. I don’t plan on keeping GROY long was just seeing how dividends worked, I jumped in knowing nothing and trying to learn on google. I’m strongly into PATH. Not much money so I buy weekly
Am I reading this right that BIZD has a ***10.92%*** expense ratio??? I think you’re trying too hard to be edgy and unique and the result is cutting off your nose to spite your face. If you feel that strongly about tech being in a bubble, then it’s perfectly fine to overweight value but completely ignoring growth is a mistake, imo. I also find it a little funny that you mention an inverted yield curve but instead of taking advantage of it, you voluntarily and knowingly pick bonds at the bottom of the curve. My personal portfolio is 60% ITOT, 20% IXUS, and 20% individual equities. You could easily do 30% ITOT, 20% IXUS, 20% HDV, and 30% to two or three bond funds of your choice.
ETF DIVIDEND YIELD iShares Core High Dividend ETF (ticker: HDV) 3.9% Vanguard High Yield Dividend ETF (VYM) 3.1% Vanguard International High Dividend Yield ETF (VYMI) 4.4% Invesco S&P 500 High Dividend Low Volatility ETF (SPHD) 4.1% Franklin International Low Volatility High Dividend Index ETF (LVHI) 7.3% Schwab U.S. Dividend Equity ETF (SCHD) 3.6% SPDR Portfolio S&P 500 High Dividend ETF (SPYD) 4.5% Are any of these high divided etfs worth looking into with 50k?
nice try, but professor Jeremy Siegel of Wharton found if you bought the 20% of the S&P 500 by highest dividend yield it beat the overall market by over 1% a year from 1957-2000. see his 2003 book The Future for Investors. HDV and SPHD have existed for just over a decade, not enough time to go through a full market cycle or analyze 'long-term' anything. >It's extremely difficult to outperform a broad blended US large-cap fund that mixes growth companies and value companies, that mixes non-dividend payers and dividend payers. Best example is any S&P 500 index fund or any total US stock market index fund. lol the S&P 500 is not magical. the Russell 1000 and Dow 30 have similar long-term performance. the S&P 400, and S&P 600 have superior long-term performance. any large collection of stocks will perform similarly over 20+ years.
If you want to lag the broader US stock market (which mixes valuable non-dividend payers a dividend payers) by a large margin over time then analyze the holdings of US high dividend yield index funds like with VYM, HDV, SPHD, etc. If you want to lag the broader US stock market (which mixes valuable non-dividend payers a dividend payers) by a small margin over time then analyze the holdings of US dividend growth index funds like with VIG, NOBL, DGRO, etc. It's extremely difficult to outperform a broad blended US large-cap fund that mixes growth companies and value companies, that mixes non-dividend payers and dividend payers. Best example would any S&P 500 index fund or any total US stock market index fund. Over 90% of stock pickers fail to beat the Market over time. Even 90% of professional active managers who seek to generate alpha still fail to beat the Market over time. Focusing on income is for when you're near or in retirement. Until then while in the accumulation phase of life prior to retirement, I would rather not lag the Market.
10+ more matches till I’m where I need to be. Gonna be long night. like the way these candles [sound](https://imgur.com/a/Yx16HDV).
Largest position in an index HDV (focused on dividends. After that it’s MELI a Latin American company that focuses on online e-commerce. They been having good consistent growth.
I understand the concept, but $100 is $100. And many high-dividend stocks have lost equity value and continue to, hence my assertion it’s great if you already own it. Sure, you may pick the right ones and increase your equity value while getting paid a dividend, but to a casual investor it’s still a gamble to pick one. And if you went to something like $HDV to just try to maximize your exposure to high-dividend tickers, you’ve lost equity value since January while the $AGG is up since January. That’s all I’m saying.
Hey, I was wondering what you think of the etf 'HDV'. I invested in this etf because I wanted a dividend yielding U.S. etf with low management fees that is low to medium risk, but I'm quite new to investing, and I don't know if this is the best choice. Is this a good etf to contribute to as one of the core products in my portfolio?
It’s a very good company and has grown quite fast. In fact it was #1 on the fastest growing company on the Deloitte Technology fast 500. https://www.globenewswire.com/en/news-release/2022/11/16/2557195/0/en/Vir-Biotechnology-Ranked-the-Fastest-Growing-Company-in-North-America-on-the-2022-Deloitte-Technology-Fast-500.html I’ve Been invested since early 2020, they were an extreme underdog in the fight against covid against massive companies like (Moderna, BioNTech, Regeneron etc) developed a treatment called sotrovimab in collaboration with gsk and started making a bunch of $ until the effectiveness fell off just like with the others except sotrovimab was one of the few remaining. The company is now redirecting their massive resources they made from Covid to advancing their rest of the pipeline such as HBV,HDV,HIV, Influenza A, and Re-engineering sotrovimab.
Pardon my skepticism, but I’m 40 and have always managed my own investments, choosing low/no cost mutual funds and bonds and “played” with about 30% of my retirement with stocks or funds I felt might beat the S&P 500. Two years ago I sold 30% of my SPY and put it all in HDV, for example, which was a good move in retrospect. Some years I’ve underperformed and others I’ve done better, but I’m ahead slightly over 10 years without paying any fees so it’s hard for me to fathom giving someone tens of thousands of dollars every year to do what I’ve been doing for 16 years with relatively little work. But I do see why that might be attractive to some people. I have no skills fixing my car and take it to a mechanic so not everyone is proficient in everything and most need help in some ways to manage their responsibilities from day to day.
I agree with everything u/wild_b_cat wrote. I believe SPAXX is the default cash fund for Fidelity Roth IRAs. It's perfectly fine. If I wanted dividends I'd just go with a fund (or mix of stocks) that have higher than average dividend yields. For example SCHD or HDV, which are two dividend funds with very different portfolios. SCHD is heavier in technology and financials whereas HDV is heavier in energy and health care, so much so that HDV was actually up last year.
Never invest more than you can lose. Know when to take profits especially options trading. Have an exit strategy for potential toxic assets. Don’t try to time the market.. dollar cost average investing. Allocate part of your portfolio to passive investments such as ETFs: SCHD, VIG, HDV. Hard to get rich quickly… takes money to make money. Don’t get stress, stay calm, be strategic, have fun, your holdings shouldn’t keep you up at night.
practically every single one out performed especially the High dividend ones like VYM or HDV off top of my head did outperform schd , but who knows what will happen in the future.
all dividend oriented ETFs or funds are performing better than VOO this year. dividend stocks hold up a lot better in bear markets. it's nothing magical about SCHD. compare with DGRO, DJD, SPYD, HDV, practically anything else.
I’m assuming you are a long term investor with a time horizon of more than 10 years. The answer depends on what you mean by diversification. You’re describing a portfolio of 90-100% U.S. equities, so it will not be diversified in terms of asset classes, geographies, or currencies. Having a 20% allocation to commodity producers is a good idea and is the biggest diversifier in your mix. Consider changing VDE to something like NANR to get better diversification of that piece. HDV doesn’t add much IMO. Dividend equities were a good proxy for bonds when bond yields were at zero, but that’s over and you can now get a decent yield. Adding bonds (treasuries *and* TIPS) will reduce the volatility of your portfolio and help you sleep better at night during a crash. Another diversifier you could consider is a 5-15% allocation to gold (GLDM or similar).
Sure, HDV and SCHD both from 2011. Not long term ETFs like VOO that date back pre-2000.
Over the long term, SCHD seems to have performed better than HDV and lower management fee as well (although both relatively tiny). HDV has a slightly higher dividend though, so its a great ETF to also own. If you're young, I'd say mix of HDV/VOO/VTWO. Could replace VTI with VOO. Stay away from stocks, those are too volatile and timing dependent. Also not all ETFs are safe, like ARKK, CLOU, those specialty ones have high fees so you end up losing big in bear markets.
Currently I have in stocks Disney (15% of portfolio), Roblox (9%), Apple (8%), Coke (6%), Cincor (3%). ETFs etc HDV (23%), DIA (4%), TIPS- treasury inflation securities (7%), SLV (2%). I am holding Cincor and not buying anymore on my weekly purchases. It lost 50% in a week so figured might as well hold for now. I am taking what I was putting in Cincor and just buying silver with it to increase that.
Just looking at them from a technical analysis perspective: EMB: RSI's overbought, so is likely to go down / sideways in the near future HDV: Looking like it'll go sideways IGIB & IUSB: Looks like they both have a bit more room to go up before they correct SHY: Could go any which way -- currently has upward price momentum working in its favor, but its future is by no means certain
Well with the exception of HDV, Im trying to stick to monthly dividend income ETFs.
you are down -62% in high dividend ETFs? Please share your tickers with me. I am skeptical. Unless these ETFs held a majority of META, or ARKK (which would surprise me). [https://www.investopedia.com/articles/etfs/top-etfs/](https://www.investopedia.com/articles/etfs/top-etfs/) All high dividend ETFs mentioned on Investopedia are now YTD green. I did say GREEN. $HDV $FDL, up +2% or +3%
Only for the quick sale once it gets bought out. There are HPV-B vaccines coming to market (see- ABUS), and patients need to be infected with HPV-B to contract HDV.
You're the needed devil's advocate! As you noted, it's not common to test for HDV. That's part of the reason why 50% of the people are cirrhotic by the time of diagnosis and why it is a highly under-diagnosed disease. The exclusion criteria for D-LIVR is as you say quite stringent. Besides the covid headwind that is part of the reason why enrolling took a very long time. HBsAg positive requirement does cut into the numbers but if you ask me whether it's realistic to treat 10 new patients in the US per day, I lean towards yes... especially since the number of cirrhotic patients suffering from HDV is high. From valuation perspective even 5 new patients per day in the US would make this a compelling long. But I get your point. This may turn out to be optimistic. Durability has been the challenge for both Eiger and Gilead. Besides the reduction in viral load, ALT stabilization is probably the best chance Eiger has to show FDA that its drug is worthy of approval--ALT stabilization is one of the endpoints FDA seems to care about a lot. My current guess is that given all of the breakthrough, fast track, and orphan designation FDA gave out, FDA would be forced to approve this drug if the results are positive. It would be highly unethical for FDA to hope that some of those phase-I and pre-clinical drugs in the pipeline would actually be a cure for the disease and wait out while not approving Eiger/Gilead for the patients today. As for peginterferon, I agree that peginterferon **alpha** is rough. Peginterferon delta has much better profile. For instance, flu-like symptoms appeared in only 16.3% of the patients vs 54.2% for peginterferon alpha. Given that you are MD, could I ask a somewhat unrelated question? I'm currently doing a PhD in drug discovery and it seems that small molecule-target protein approach to treating disease is facing a huge obstacle. Many of the "druggable" easy targets have already been discovered and remaining ones are close to impossible to target. Sure, occasionally we find that these "undruggable" targets like p53 is actually druggable but it's becoming less and less common. What other forms of treatment and cure do you think will dominate the pharma industry moving forward?
All right, I'll play devil's advocate here. 3% penetrance may be optimistic. First, it's not very common to test for HDV - I've been an MD for 10 years (oncologist at large tertiary care center); occasionally I've seen HDV ordered by hepatology in patients with acute liver issues, and I can't recall a single patient who has tested positive. Obviously I'm not GI so maybe I just don't see these patients, but by way of comparison I probably see someone w/ a history of HCV once every month or two. It's also probably underdiagnosed, but it also seems like you can't even assay for HDV unless you are HBsAg positive which again cuts your #s. Keep in mind too that people w/ HBV in the US skew immigrant (although one point in your favor is that apparently HBV vaccination rates in the US are still terrible...) D-LIVR seems to be enrolling specifically people with evidence of some liver injury by enzymes/biopsy, so this rules out a bunch of people too. Contrast this w/ the HCV trials, which allow pretty much anybody with HCV regardless of degree of liver injury. Fewer than 1/3 of eligible people who get diagnosed w/ HCV (which is widely screened for and also in the consciousness of the average MD, unlike HDV) get treated for HCV, and those treatments have already been around for a decade. Also, looking at the phase 2 data for this drug (+peginterferon) on their website, while there were high rates of 2 log reduction in viral load, a much smaller fraction actually remained undetectable w/ followup. By comparison, HCV antivirals have cure rates of > 90%. Especially in light of how the Gilead drug apparently got rejected by the FDA (supposedly for 'manufacturing and delivery'?), it makes you wonder if the FDA needs to see more "hard" endpoints rather than just viral reduction especially if the cure fraction may be low. Minor point but IDK if I would considder these side effects well tolerated. Especially if peginterferon is needed.. for context, that's a drug that even in the oncology community has a reputation for being rough.
Ah okay. So the current situation is that Gilead has a competing drug that is approved in Europe. FDA raised concerns over manufacturing process so it's not yet approved in the US. But I do expect Gilead to succeed. On the other hand, I also expect Eiger to succeed since it most likely has a superior drug--though we won't know until phase-III results come out next month. There are others also making drugs for HDV but they are years behind so the expectation is that this multi-billion dollar market would be a duopoly between Gilead and Eiger. The calculation that the other poster made was partially my fault. I conflated two terms and s/he took the wrong numbers from my write up so you can ignore it. But the calculation s/he did is $53b=80%\*$2b/0.03. In reality, Gilead won't be making $53b. It is hard to gauge the exact market size at this point but we certainly expect it to be in the billions. Otherwise their acquisition of MYR makes no sense. They most definitely considered EIGR as well but decided to pass on it. I could only speculate but perhaps EIGR's royalty fee it pays to BMS made it less appealing.
Oh yeah take care of your own task instead of answering randos Reddit lol Thanks for the reply though. I usually value companies without thinking about possible acquisitions down the road, but do realize that in pharma buyouts are always part of the equation. I did my gig on the buyside but covered tech/semiconductor where it is usually pointless to speculate on buyouts unless you've got a super special situation. To your question on ODD, my understanding is that second sponsor could still get orphan approval if there is improved clinical benefit. Lonafarnib would be all-oral drug compared to subcutaneous offering by Gilead and the combo has shown best in class performance for HDV treatment. But it is something to keep in mind definitely. The other concern around approval is the possibility of complete response letter. FDA has been very stringent about manufacturing and delivery of drugs lately. This could delay the launch.
Yes, I've thought of that part. My view is that the royalty to BMS will be more than offset by the partnership the CEO plans to form in ex-US/Europe market. China for instance has 1m+ people with HDV. There are multiple ways for Eiger to win. If, however, the CEO doesn't execute on ex-US/Europe plan and just hands over 15% royalty that would be problematic but not too disastrous from valuation standpoint. Median EBIDTA for biotech/pharma is around 30% so handing out the upper range of 15% would only compress the valuation by factor of two. I'm staring at a valuation gap of (6x+) so there's enough buffer. I think...
HDV, XLU, XLV, XLP and automatically reinvest the dividends back into the fund.
Financial Advisors / Financial Consultants are going to charge you for something you can do on your own.... I would stick with 50% VOO, 25% QQQ, 25% HDV
Buy HDV and VDE and keep it for winter because energy prices will be higher. 🚀
Yup HDV has an average year gain of 5% and a dividend of 3.4%.
dividends are a form of profit sharing, you own a tiny slice of Exxon or Home Depot and they give you a small slice of the profits a few times a year. you can take the dividends as cash, or re-invest them. dividends come out of the share price, so it's not a free lunch. if there's a $10 stock that pays a 50 cent dividend, you end up with 50 cents cash and 9.50 in stock. dividends are taxable. not relevant in a tax-sheltered account. but take this into account if you're buying dividend stocks/ETFs in a taxable brokerage account. the higher the dividend, the more likely the share price is to flatline over time. this is not good or bad, but you need to understand what you're buying. >I would invest 70% in VOO, 15% in PXD, and 15% in CTRA. i would not put 30% of your portfolio in 2 stocks. if you want dividend income, I'd recommend an ETF of some type. SPYD, HDV, SCHD, VYM, DIV ... all US-based higher-dividend stocks, but you're not betting a third of your investment 2 companies in the same sector (energy). higher dividend stocks *tend* to offer superior performance over the long-term. we're talking decades here, not necessarily year to year. and not necessarily every company. but over time, yes. for example, the higher dividend stocks in the S&P 500 outperformed the broad S&P 500 by over 1% year on average. https://www.wisdomtree.com/-/media/us-media-files/documents/resource-library/whitepaper/the-dividends-of-a-dividend-approach.pdf
Wanted to come back and say after looking at some etfs to play defensively, HDV actually looks fairly solid. 65% of the allocations are towards Healthcare, Energy, Consumer Staples, and Utilities. Perfect combo.
Index funds and ETFs are different. I also use Fidelity so my brokerage and cash management accounts has a few ETFs between the two of them for stability: FUTY, HDV, DGRO, FTEC, IVV (S&P 500 ETF), and ONEQ. My rollover IRA has FZROX and FNILX with some FSPSX for international exposure. As far as tax liability is concerned, i believe its with what type of account the holdings are in. A lot of my research came from reading investorplace.com. There are a lot of resources online for all levels of trading. One thing i dont do yet are options. I don't understand how they work and until I do its just blind gambling to me.
SCHD or HDV is the easy answer here.
Plenty of targeted etfs to choose from. HDV has great dividedends. You can also put 10k a year in I bonds. Pays over 9%. Liquid after a year. The aggressive picks I have include biotech and micro cap north/south American lithium/copper. glyc, wctzf.
>I'm tired of breaking even. if you started in the last few years, you likely bought at peaks. just like everyone else. >I hate the idea of passive investing. depends on how you define 'passive'. this can mean 'market capitalization weighted index funds', which is usually what people mean by 'passive'. they have some benefits but also have their flaws. passive can also mean rules-based indexes that filter stocks based on a few criteria, but don't have hands-on company-by-company stock pickers. there are dividend-based indexes (SCHD, SPYD, HDV, VYM, etc) that are very cheap, under 10 basis points or a tenth of a percent for management fees. there are fundamental indexes from Schwab and Invesco that use revenues, dividends and cash flows to organize their stocks. https://www.schwabassetmanagement.com/products/fndx https://www.schwab.com/research/mutual-funds/tools/schwab-funds/index-funds/fundamental any of these will tend to avoid concentration in the same stocks as a traditional index fund, so can be a good option for any portfolio.
I won’t pretend to be an all-knowing guru, I’m just someone who has money in the market. Reddit *can* be a good place to start learning, but after you’ve gotten all you can here it’s very important you do some reading online. 1. That’s ok - we all start somewhere. My recommendation is to open a brokerage account with a firm that doesn’t charge you fees for simply having an account with them. For example, Vanguard waives your account management fee if you choose to get all your statements sent electronically. And any trades you do through them online are also free (I.e. there isn’t someone doing the trade for you and taking a cut). 2. Depending on your regular expenses, invest some of that cash. The general idea of what investing over the long term is that you put money into the market you aren’t going to need for 10+ years. And then after then you can take it out because it will have grown, or use it to re-invest. Lots of ways to invest, but that’s how I think of it - steady long term growth. I will say $2000 isn’t a ton of money that can be put into the market, but it doesn’t mean you can’t start out with putting in $1000 just to get a feel for how it all works. 3. Basic list of terms: ETF - Exchange Traded Fund. When you buy stocks, you are purchasing ETF’s. Roth IRA - type of retirement account you can put money into over time. Let’s say your boss gives you 100 bucks. You could put 10 dollars into your Roth and then execute trades from your Roth account. The benefit of a Roth IRA is you don’t have to worry about the taxes on it until you take the money out (usually when you retire). Index fund - index funds are a great way to invest because you are investing in multiple companies by purchasing only a single ‘stock’. Index funds are large amounts of money managed by their respective firms (usually hundreds of millions of dollars depending on which on you look at). Firms will use that money to invest in different companies in an attempt to out-perform certain parts of the market. So when you buy a single ‘stock’ (or share) of an index fund, you are buying into a basket of companies through another firm. It may sound complex, but the short version is: Index funds are *basically* ‘stocks’ that are comprised of multiple companies - allowing you better odds of seeing positive returns. Mutual funds - mutual funds you can think of as the cousins to ETFs. Lets say you want to buy a share of an index fund (described above), well you could buy a share of that index fund by either purchasing a share as an ETF, or you could purchase a share as a mutual fund. Without getting too into the weeds, it’s *essentially* the same thing as an etf, but you can only trade at the end of the day (whereas an etf can be traded anytime during trading hours). Expense ratio - this one is pretty simple. It’s just a number to tell you what % of an ETFs holdings are used to cover its expenses. So if you see an ETF listed for $100, and it says it has a 1% expense ratio, for every $100, the etf will use $1 to cover its expenses. So looking for ETFs with low expense ratios is also very important. (Especially considering you are paying the expense ratio). Dividend Yield - some stocks pay dividends. This means that every quarter (or every month depending on what you get) you’ll get a little cash back from the stocks you invest in. Some stocks have low yields and some have high yields (they can range from around 2% to 10%). Just be careful with high yield ETFs, since they are usually more expensive in terms of expense ratio, and might be more volatile (change in value frequently and dramatically). Some basic math here is if you put in 100,000 into a single etf that yields 3% per year, you’d get 3000 per year (or 250 per month) out of it without having to sell the etf. My personal recommendations for starting out would be - Getting a free brokerage account - look up the following ETFs: SPYD, VTI, SCHD, and HDV. These are all relatively inexpensive index funds (expense ratios under 0.1%) that pay dividends between 1 and 3%. And float around the $100 mark per share, except for VTI which is around 200. 3. Before you purchase anything, don’t be afraid if the value goes down for a little while. Long term investing is built upon having your money put away for 10+ years. It’ll go up and down, but generally 10 year returns are positive. (Others here please feel free to add on or criticize. It’s all in the interest of knowledge)
I'm a big fan of dividend stocks overall, there's plenty of data showing they tend to have superior long-term performance over time with lower volatility. some resources are linked below. but just FYI once the dividend gets above about 6%, the share price tends to flatline. this is not good or bad, but you need to know what you're getting into. for an investor who's seeking income and is content with the share price staying steady for years, this is fine for part of the portfolio. but don't expect these stocks to go up like growth stocks. look at Rio. it's been flat since 2006, hovering near $50 for most of the time. down to $30, up to $70 but no major appreciation. compare with dividend ETFs with lower yield in the 3-4% range ... SCHD, SPYD HDV, VYM, etc will show share price appreciation over time. but higher yield ETFs like DIV (6.8%) or SDIV (12%) will be flat or slowly deteriorate. >These are preferred shares, which somehow are cheaper than common shares preferred shares pay a higher dividend, but they're different from 'common stock.' so read up on preferred shares so you know what you're buying. for dividend research: prof. Jeremy Seigel's research found the higher dividend stocks in the S&P 500 have outperformed the broad S&P 500 over time. see his book *The Future for Investors* or this paper for a summary. http://insurercio.com/images/WisdomTree%20-%20Dividends%20of%20a%20Dividend%20Approach.pdf one study found the sweet spot is stocks with high yield but low 'payout ratio', they pay a high dividend % for their sector/type but the 'payout ratio' is how much of profits are paid out in dividends. you want a lower payout ratio, as a general rule. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=946448 other data is summarized here: https://tweedy.com/resources/library_docs/papers/HighDivStudyFUND2014Web.pdf
Personally I like (and hold) both VTI and SCHD with a bit of VIG and HDV on the side. I have no clue if those are what you are looking for or if they would make sense for you though.
“Go with the best, forget the rest”. Top in their class. in this environment I would go with high dividend funds if you want that route. HDV or DHS are decent entry points. If going for S&P index, give it a little more time for a better entry. Prob by start of august
Looking for advice on ETFs. Here is what I am planning on doing. As I want to get get a good mix of dividend paying companies across diverse sectors. Hence the 3 dividend ETFs. Would appreciate everyone's feedback. 20% - HDV 20% - SCHD 20% - SPYD 20% - QQQ 10% - SOXL 10% - TQQQ
HDV, is it not blackrock instead of black cock?🤔🤭
I have half of my $ in total market ETFs like DVY, HDV, VIG, VYM and IVW. I'm probably going to think about adding a good bank stock and retailer like WMT/LOW. Continuing to DCA into these over time