SCHD

superbilliam

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

RetiredByFourty

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

brrods

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

Meanboynetworks

Buying SCHD. Holding UNH

vt2k

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

MacaroniNoise1

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

courage_and_honour1

SCHD with a 4% yield lol

Just_Value4938

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

DazedPirate7595

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

Various_Couple_764

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

annoyed_meows

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

Apprehensive_Rip_930

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

Financial_Injury548

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

xiongchiamiov

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

MacaroniNoise1

Doesn’t SCHD follow the S&P 500?

AutomaticSeaweed3712

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

oldmanballsacks81

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

Employee28064212

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

scorchie

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

MFanatique

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

xiongchiamiov

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

Digital-Doc-777

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

MFanatique

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

dorfWizard

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

Ruszell

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

DC8008008

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

HybriedRS

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

ContagiousCantaloupe

I reinvest MSTY and XDTE into KO and SCHD

VeryStableGenius

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

DualShockArtist

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

Weak_Ostrich459

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

pancake_gofer

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

Dej28

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

courage_and_honour1

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

greenpride32

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

Far_Lifeguard_5027

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

GarbageLate7314

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

Exciting_Delay5389

Check SCHD

Academic-Image-6097

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

VeryStableGenius

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

Far_Lifeguard_5027

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

Seed_Is_Strong

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

Perfect_Change_1586

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

Perfect_Change_1586

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

someguyonredd1t

Might as well just buy SCHD in this scenario

Longjumping-Fact-582

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

zealousmisty

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

LMVI31

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

RichardFlower7

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

General-Ring2780

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

miotictyler

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

zooka19

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

ChairmanMeow1986

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

Dalewyn

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

Narrow-Ad-7856

Buying SCHD with every dip

Icy_Mushroom_425

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

DixOut-4-Harambe

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

_Marat

SCHD

Employee28064212

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

therobshow

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

DrSeuss1020

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

Federal-Hearing-7270

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

AdSuspicious8005

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

therobshow

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

newbirdhunter

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

Arminius001

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

Agitated_Currency444

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

Dyproti

I'm really not sure what you're asking. If they allow you to sell the box, you should be able to withdraw it. My first thought is that you won't have enough buying power to do it, though. Schwab gives me margin buying power under the balance tab. Look to make sure you have enough buying power in whatever broker you're using. I had 30k buying power with a 40k account when I did this. You also need to save room on buying power if market downturn again. This is especially true since most is invested, so you won't get a margin call. I have mostly SCHD and VOO, and mine was close due to tariff talk a few weeks ago.

Aerodynamic_Potato

I did it, and they gave me 3% match on 150K. The best part is that the transfer went through just as orange man nuked the market, so my money barely dipped at all. So far, I've only put 1/3 back into SCHB and SCHD, which are broad market tracking ETFs. People are so afraid of RH, get a grip it's just a brokerage like any other.

Reasonable-Wafer-248

I had a dream last night that i was staring at a street sign at an intersection. One road was VTI one road was SCHD… But my brain was focused on one road and I said “SCHD” in my sleep…. Is this obsession or a sign? (no pun intended)

i-love-freesias

For your IRA you could buy dividend funds. SCHD and for foreign: SCHF, SCHE

TJMarlin

I have a friend who holds QQQ for tech, SCHD for value, and that's his US index exposure. I think it's not a bad idea and has very little overlap.

zooka19

I'd do 40/20/40 on the split, but that's just me personally. Depends on your risk appetite. I currently have 5 VUSD/FUSD/JEPQ/EQQQ/R1GB 33.33/16.66/16.66/16.66/16.66, which is like having VOO/SCHD/JEPQ/QQQM/VONG but it really doesn't have to be that complicated.

JPete4985

My dividend allocation for my portfolio is 50% SCHD, 25% JEPI, 25% JEPQ. I'm astonished how well JEPI and JEPQ have done in this market down turn with their selling calls strategy while also paying me 8% and 12% monthly dividends. They actually have higher growth and less downside in this downturn as well. Both are up a percentage point or two, while schd is down 1-2%. Long term I like the balance I have and will continue doing that for the next 30 years for my dividend section of my portfolio. JEPI and JEPQ get a bad wrap for limited growth potential... but at the end of the day if you are using DRIP and reinvesting the dividends you are getting a blended rate of 10% growth annually when splitting 50/50 as you are aquiring "free" shares in a tax advantaged account. JEPI and JEPQ make far less sense outside of an IRA tax advantaged account, they are great in a 401k, IRA, and they super charge any ROTH.

UPinCarolina

SCHD puts will print

JDsWetDream

ramsey also thinks paying over 100bps for mutual funds is good. he's an idiot when it comes to investments and you shouldn't listen to him. you want a simple allocation like this? 35% VTI (large cap/blue chip), 35% SCHD (large cap with a div /income focus), 15% IWM (small cap) and 15% VXUS (int'l). done

Ancient_Sort5820

#I hate SCHD so much ive been holding ts for years and never been able to bring myself to sell it. Missed out on so many gains. Its red during red days and flat during green days. I hate it

MohsGeoff

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.

SecondSt4ge

Stop trying to be the next Warren buffet lol you could’ve easily still had all your money if you would’ve remained conservative and just bought like VOO, QQQM, SCHD, BTC…. Maybe this is the lesson you needed to learn. Stop trying to be the next brilliant trader. Especially in a bear market lol. Go back to work and start contributing to something like voo, vti, vt, vxus… pick a strategy and stick to it. It’s time to stop trading and start investing.

pigglesthepup

SCHD is actually a very good minimum volatility fund. The top three sectors of energy, healthcare, and consumer staples make it a good inflation hedge to compliment bonds in an income orientated portfolio. Of course, most people who invest in SCHD because a YouTuber told them to probably didn't look into that aspect at all. SCHD does not belong in a growth portfolio. Furthermore, it is not a bond replacement.

PoopyisSmelly

And yet, now 90% of the portfolios have this stupid SCHD dividend tilt for no reason, and those same people act like theyve rigorously researched when they have no clue what they are doing. Most people should just buy VT or a target date fund and stop trying to "beat the markets" with these "new cutting edge strategies Wall Street doesnt want you to know about". Unfortunately Wall Street cant do podcasts and youtube shows that they make a living off of due to securities regulations so you have these snake oil salesmen swinging dicks pretending like they are big shots, convincing kids to buy their dumb ass ideas. But buying the market is boring I geuss. The best advice is to grow your income and buy the market with your non emergency savings. Its applicable to everyone.

pigglesthepup

>Prof. G Came across this guy on youtube recently. It was horrifying. He pulled up the **total** return table for SCHD and claimed the dividends offset any losses. I had to turn it off when he pulled up a historical chart of SP500, moused over 2008, and called it "a little dip."

UPinCarolina

I bought PTON and SCHD puts around 10:30 AM today. I feel like I may be slightly cooked.

MaxwellSmart07

SCHD has had lower drawdowns than SCHG. Overall, long term, even through drawdown period, SCHG has outperformed SCHD by a lot. Good evidence a young investor should eschew SCHD altogether in the long run.

Aevykin

Really no reason to get into SCHD, especially at your age. I’d say avoid all the guessing since you’re asking Reddit for advice, and just buy VOO.

Previous_Purple1222

I like TSM, WM and SCHD. Keep it up 👍

Matthew-Ginter

With all the craziness over the last 3 or so months I have dialled back a-lot of my positions about 30% of my portfolio is in bonds, 20% is in a split of VYM, SCHD, VTI (I know theres overlap I am 22 and young and dumb) 43.5% is in individual stocks (PEP, XOM, OXY, MO, WMT) which I had scaled back on and took profits in February and March so the loses I am taking due to the uncertainty isn’t bothering me too much, Finally i have 1.5% of my portfolio in super risky low probability of return stocks, and finally I carry 10% cash. Anyways I am wondering since I have a cash and savings that are ready to be used as I have too large of a emergency fund what ETF would you pick to DCA into especially in the current market sentiment. My goal is to purchase a home with a very large down payment in the next 5 years I have 30k at the moment and I am hoping to have 100k in the next 5 years. Finally I just want to mention that this is in a TFSA in Canada and I plan on diverting most of my free cash to a FHSA (First home savings account which is a TFSA account for a home in Canada) where plan to do a three way split between an ETF, Canadian Bonds, and American bonds.

RetiredByFourty

SCHD and chill 😎

MaxwellSmart07

From 2015 to the present $10,000 invested SCHD increased to $26,000. SCHG rose to $39,000. That’s thru three downturns in 2018, 2020, and 2022. If I had to choose one it would be SCHG for the long run. Personally I would wait this current morass out, but if you don’t want to do that SCHD will lose less now. Upon recovery SCHG will annihilate SCHD. You decide.

DragonOfBosnia

It’s riskier then just buying VOO or SCHD right now, who knows

Technical_Formal72

Lol this is basic… OP don’t do this. This guy is suggesting swing trading (which requires market timing) likely on the basic and incorrect idea that SCHD is “safe” which lower drawdowns / better performance in a market downturn and then SCHG is “aggressive growth” with better performance in a bull market. This is a ridiculous strategy. You would likely be much better off with a simpler and more diverse strategy of buying and holding a fund like VT or VTI/VXUS and possibly some BND (~10%) or STRIPS if you have the proper understanding. If you’re looking to add compensated risk consider factor investing.

MaxwellSmart07

You will want to trade SCHD for SCHG after stocks bottom out and are on the way up.

pmotiveforce

Even as ber my 401k down .7% today. SCHD taking a big fucking hit.

Odd-Bass1322

Everyone buy IAG. CSIQ.NGD,EMX, TGB and SCHD

UPinCarolina

Bought SCHD put to 21 for July. We’re going back to 2022 lows if nothing changes.

HoneyBadger552

all those sycophants in /r/investing fawning about SCHD and how wonderful it is......down 3% today. no one is is safe

konigswagger

Time to close out VOO and SCHD after all these years for a 0% gain.

Employee28064212

Another good day to buy SCHD I guess.

Sturdily5092

People, especially the young ones, keep dumping their allowance continually as if this was a normal market and everything is going to bounce back like they would "normally". We have a Congress and SCOTUS in cahoots rubber-stamping everything the egomaniac in the White House does, manipulating the markets without checks. There's nothing normal about this time, anyone who keeps investing in VTI, VOO, SCHD, etc is just gambling and most are getting burned.

annoyed_meows

I would do 70% VOO and 30% SCHG. I'd probably replace SCHG with VGT, however to catch tech a little more. You could even do 60 VOO 20 SCHG and 20 VGT. My portfolio is kinda like that. Im 46 however so like to put some in SCHD these days. I think any of the above and even straight VOO would be ok, however.