SCHD

RetiredByFourty

You could say the same for SCHD.

1kpointsoflight

SCHD has been up tho.

mylord420

If you want to rotate to value why are you going SCHD instead of AVLV and AVUV?

deweese3

Not sure I agree, look at MSFT. Co-pilot and ai in everything from teams, to excel. Look at google, half your results are AI. Look at X and Amazon all using it well. It will take time. I will make you a gentlemanly bet that we are seeing the narrative pushed to switch to small caps (Fyi I have a bunch of SCHD). Just in time for smart money to buy up the mag7 and push it higher. Smart money/wall street loves its candy, the narrative push right now will be a rug pull IMO. Totally could be wrong, im sitting on the sides for right now until the first week of august.

MrDodgers

This was profit-taking after a historic run up. Also a good moment to test your diversification, to whatever extent you think you want it. I'm tech-heavy like most in here, but I'm happy to see a few sectors in my portfolio green today (health care/pharma, energy, some communications). I also noticed that the high-dividend mainstays held out, such as MO and SCHD.

whatsgoing_on

VOO, QQQ, FBCG, VGT, SCHD, and a tiny bit of BND. Same as I’ve done every single week the last 3+ years. The same thing I’ll be doing 10 years from now.

Dadd_io

Mag7 is cooked. PEs of 40+ and throwing billions at AI with little return. These are the makings of a bubble coming down. Rotate to value... SCHD sold out of some bubble tech so I'm back in.

TimeGrifter

Put VZ and T in a Roth along with SCHD...

1kpointsoflight

I’m all red but the SCHD and its stocks like KO, TMO, NEE. Must be part of this “rollover that’s good for the market”.

Proud-Flow9798

SCHD boomer shit is up +.21% today

Ok_Put_4987

Hey! It’s great that you’re exploring dividend investing and considering how to manage your portfolio. Since you’re thinking about transitioning to dividend investing, it’s important to weigh the pros and cons of your current setup. Both SPY and FTSE All-World ETFs are solid choices, but if you’re looking for income through dividends, VOO and SCHD could be good additions. You don’t necessarily need to sell your existing investments to start buying dividend stocks. You can gradually allocate new investments into VOO and SCHD while keeping your current holdings. This way, you’ll maintain your existing exposure and diversify with dividend-focused ETFs. Having the same stock or ETF in both accumulation (acc) and distribution (dist) forms can be redundant since you’re effectively getting similar exposure. If you’re aiming for dividend income, focusing on distribution ETFs or dividend stocks might be more aligned with your goals. If you’re looking for more guidance on building a dividend-focused portfolio, you might find this resource helpful: [myroadtoinvesting.com](https://myroadtoinvesting.com/?aff=SwiftSupplyProducts). It offers some great insights into dividend investing strategies. Feel free to ask if you have more questions or need further clarification!

Sea_End_1893

Most of my money is in FNILX because I use Fidelity. Couple years ago I threw $10 each into MAIN/GAIN, O/VICI, JEPI/JEPQ and SCHD and they're just rollin' along. I think they're up to $40+ each now and just grinding. Also I'm a veteran so I got that VA disability rating. At the end of the month, whatever money left over I multiply by 0.8, put it in FNILX, and the other 0.2 is split seven ways. I live a small, well-budgeted life. Sometimes my DRIP dividends are more than what I deposit.

No-Improvement3164

At least JEPI and SCHD aren’t getting pounded YET.

ptown2018

Most advisors recommend a diversified portfolio and value / dividend stocks should be part of that. In my portfolio (retired with pension which I look at as fixed income) I have more SCHD/JEPI than bonds for my income piece. Rather than a percentage in fixed income you may look at keeping 5 years of spending available in the fixed income bucket to ride out any corrections. If retirement funds not needed for 20 years or more, then why keep large amounts in fixed income? But understand your psychological risk tolerance, do a boglehead or target date fund if it keeps you from panicking in the inevitable correction.

Bane68

SCHD and FDVV. DGRO is really good, but it has higher div growth and currently lower div yield.

PoliticsDunnRight

> there is no benefit gained by lower volatility for the case of long timeline retirement money This is where we disagree. Is buying and holding the highest-returning assets regardless of volatility theoretically the best strategy? Sure. Is it realistic that if you give this advice to 1,000 people, most of them will have the discipline to follow it when it’s 2022 and they see their accounts down 30% for the year? No, not at all. This is the same reason that financial advisor licensing exams have questions on investment suitability - most people can’t handle a 100% growth stock portfolio, even if it’s mathematically better for them. There’s a reason that the average investor does far, far worse than any index fund. It isn’t because of stock picking, and it isn’t because of market timing. It’s because most people can’t stomach their nest egg dropping by 30% in a year. People want to sell when they see their portfolio drop, and they only want to buy again when the market is already near its peak. Whether it should be or not, psychology *is* a factor and minimizing volatility will almost certainly result in more people being able to hold through down markets. Additionally, I’d like to point out that the data you’re citing (while it is the only data that exists for SCHD) is taken from a decade where growth performed abnormally well and value performed abnormally poorly. I see no reason to assume that advantage will last for the entire during of my career, or even be the norm at all. It’s possible that over the next decade, SCHD will have higher returns and less volatility - considering we have no way of knowing what future returns will be, I’ll manage what I do have control of, which is volatility. If you’re giving advice that most people won’t realistically follow, and when they don’t follow it, it will harm them, then it seems like bad advice to me.

Atakeoptions

!banbet SCHD $81 1d

Atakeoptions

!banbet SCHD $81.15 2d

Atakeoptions

!banbet SCHD $81.09 3d

MattieShoes

> However, I disagree in that the companies that a fund like SCHD would hold are high-quality, solid companies, as shown by their ability to pay a dividend and grow it consecutively for a long time, sometimes decades. You aren't disagreeing though... :-) I agree there's nothing wrong with the companies or with owning SCHD, just with seeking dividends for the sake of dividends. > the benefit gained by not having tons of volatility. Mmm, there definite benefit to lower volatility with shorter timelines or while drawing down in retirement... But there is no benefit gained by lower volatility for the case of long timeline retirement money that you're periodically contributing to. In fact, it's a negative since DCA is more effective with higher volatility. Lets throw some numbers at this. Annualized returns, dividends reinvested, since November 2011 (when SCHD price history starts) SCHD: 12.8% VOO: 14.5% QQQ: 19.4% Internal rate of return with monthly periodic investment ($1k/mo) since 11/1/2011: SCHD: 11.9% (-0.9%) ($343,000 today) VOO: 14.1% (-0.4%) ($400,000 today) QQQ: 19.3% (-0.1%) ($578,000 today)

PoliticsDunnRight

I would like to add a different perspective, as a dividend investor who is nowhere near retirement. I agree that they aren’t “good because dividends” in the sense that dividends aren’t just free money generated out of thin air and they typically drop the stock price by the exact amount of the dividend. However, I disagree in that the companies that a fund like SCHD would hold *are* high-quality, solid companies, as shown by their ability to pay a dividend and grow it consecutively for a long time, sometimes decades. I’m not planning to retire soon by any means, but the fact that SCHD performs around SPY’s performance over a long term while also being substantially less volatile makes it worth investing in. Also, I think most people care a lot less about returns and a lot more about volatility - if I own QQQ because I heard I’m young and should be investing in growth stocks, I would’ve had to stomach about a 30% decline, which for SCHD was about 5%. While a long-term investor theoretically should be able to stomach volatility, most people actually can’t, which is why the average investor performs far, far worse than indexes despite the average investor being mostly invested in those indexes.

Substantial-North136

I like combing SCHD (high dividend) with something like QQQM or SCHG (high growth). That way you have two ETFs that don’t share most of the same stocks for diversification. Something like 70% high growth and 30% high dividend will average out to a risk beta of 1 and you can set and forget.

No-Improvement3164

UPS pulling SCHD down?

thedarkestgoose

SCHD is a great one to buy, but why are you looking for dividends?

MattieShoes

SCHD is always popular. Also you probably shouldn't be looking for dividends.

leaning_on_a_wheel

I would skip high yield dividends until close to retirement. But if you’re certain it’s what you want SCHD is a good one to check out.

touch_mee

SCHD pays quarterly that's ever 3 months. so $1500 every 3 months, which is $500 per month

touch_mee

180K in SCHD is not even close to $1500 a month...more like $500 a month

1-RogueOne-1

This is what you do. As your rank goes up, so will that 15% that goes to your ROTH IRA. You want to get that ROTH IRA to $400 a month or more, and continue paying into it for 30 years. You also want to make sure that money going into your ROTH IRA is being invested in VTI, VOO, or SCHD. If you did nothing else, this one act could make you a millionaire in 30 years. Mistakes to avoid…DO NOT withdraw any money from this ROTH IRA until it is at least 30 years old or until you hit retire age. Just don’t. No matter what the circumstance is, don’t do it. Find another way if you need to navigate through a difficult time in your life. This is not the way. Do not touch this money at all, for at least 30 years. Good luck with your life choices.

1-RogueOne-1

This is a long answer. The short version is invest in CD’s, HYSA, and for stocks,,,,VTI, VOO, SCHD, QQQ. Everything else, IMHO will be more risky. Even “research” can lead you down a dark path. You do you though.

DivyLeo

Can you take it as lump sum? Annuity is a notoriously bad investment... Icd just take all the money and put it in some diversified ETF... HYSA rates will collapse when fed starts cutting rates. If you want income now, $50k in SCHD will give you $2000 a year... Not as much as $800/m but you principal is not running down as in annuity.

JellyfishCosmonaut

DON'T DO IT CHARLIE, DON'T DO IT Those folks have far more money they can afford to lose. We regular folks who aren't millionaires should stick mainly to buying indices/ETFs like VOO, SCHD, and VT until we have enough money we are willing to potentially part with. Individual stocks are far riskier than ETFs. Earn income from your job, invest regularly in indices and ETFs, and consider bandwagoning later.

BeefjerkyMuncher69

maybe a monthly distribution fund like JEPI or SCHD? Pretty common for retired folks

WhiskyTangoFoxtrot40

If you can predict the future you would just sell at all peaks and then get back in at the bottom. Best advice I ever heard, but still had to find out the hard way, is DCA into VOO/VTI and perhaps some small (10%) positions in QQQM, SCHD and crypto (if that's your thing), and keep adding to it. Don't sell, just change future contributions if you'd like to change the mix. It will keep you from selling when the market is down significantly.

BlackBastado-2124

I said stopped out of some of my SCHD

No-Improvement3164

Didn’t you get stopped out on SCHD? Or just your trading account?

BlackBastado-2124

Not a believer in what? I own small caps, mid caps, RSP, and SCHD.

Marshall_Hoodie

So some advice that’s not just VOO and chill: this is age dependent. If you need the funds in the next 1-2 years then money market is where you should park it. If you don’t need this money at all and just want to invest it, now what are you wanting? Growth only? 55% VOO, 15% SCHM 15% AVUV 15% VXUS. Want income? SCHD has been a fan favorite around these parts. If you are only wanting to preserve the capital and gain modest income returns, bonds could be another option. If you are a high tax bracket person, municipal bonds are a great idea. Outside of that, corporate bonds are just fine.

littlebobbytables9

It doesn't seem that different tbh. First 4 are individual stocks that already make up a pretty huge portion of the market. QQQ and ARKK are large cap growth, and not even diversified ones at that. VUG is also large gap growth, though it's at least more diversified. SCHD and VIG are dividend funds. The only real difference is that option 5 has muni bond funds. Theyre... fine? If you want bonds and you're in a high tax bracket. Yields are pretty low though, even compared to regular bonds, and you're complaining about equity returns being too low...

Bakahead_trader

Either learn how to invest the hard way or give your $ to a financial advisor to invest it for you. You could pick one or two ETFs and/or a HYSA and then just set it and forget it. You could also pick one stock and one ETF out of every option you listed. It looks like you prefer TSLA, SCHD, NVDA, and AAPL. I would avoid ARKK, QQQ, and VTI. I suggest you figure out why you are investing and invest based on that. I invest in 3 industries by investing in 2 stocks and 1 ETF per industry.

1R15H1NV35T0R

Are you new to investing? Or trying to rebalance your portfolio? To me, you are overthinking this . If you're just starting out, go with SPLG/VOO/SPY/VTI/VT ( choose one ). Start here and build your position. This is not a race to pick ad many stocks as you can at once. Build your portfolio over time while rebalancing it if necessary. You can add the SCHD for a little diversify since there is little overlap with the sp500 funds . I'm a fan of BRK.B. also in my portfolio to keep a little diversity. If you want an international or emerging market fund ,pick one you have listed. I'm not a huge fan of emerging or intl , but that's me. Not discouraging you from your strategy. Imho, if you have not ,research the funds you have posted and have a reason you want to invest in them. Google "Fund Overlap Tool" . Some overlap is not bad in my opinion. If you want a bigger portfolio, maybe consider picking a few stocks after researching them and understanding the risk and rewards (appl,mst,appl,amzn,googl,nvda,etc) Keep it simple. If you want a

oloioiolo

SCHD

No-Improvement3164

I’m trying to play catch up. I’ve timed the top on SCHD with fairly large positions twice recently and bought back lower. Hard to go all in long after this run up going into a calendar period that has historically been a downturn. Now we have the market reacting to Trump comments as is he’s already been elected as president. I’m treading lightly right now.

MadSnikt

1) dollar cost averaging 2) automatic investing 3) S&P 500 / SCHD

sandman01911

Im 100% S&P. Recently I started DCA into SCHD… I sleep well at night

windowsmss

I'm approaching my mid-life, I have recently begun investing in stocks. I currently have both an Individual account and a Roth IRA. Could you advise me on which account would shall I park my long-term investments and which one I should use for short-term investments to take advantage of tax benefits? So far, I'm considering investing in the following stocks and ETFs: VOO, SCHD, JEPQ, VICI, O, MSFT, ALB, AMZN, NVDA.

jo-mama123-_-

but like even ones that have low yields that are also going to grow? i was going heavy into SCHD and DGRO and with some smaller satellite positions like texas roadhouse, canadian pacific, mastercard, etc. should i just be focusing on things like apple and microsoft at this point and not even look at dividends at all?

BlackBastado-2124

I got stopped out of some of my SCHD today

BreachlightRiseUp

Overly complex for what you’re trying to do. 80/20 VTI/VXUS or 50/30/20 VOO/QQQM/SCHD if you want to get crazy and keep it all US equity

pr0z1um

VTI+SCHG+SCHD is just enough

Disastrous_Equal8589

Well first off, you own SPY, VOO, and IVV which are basically the same fund since they track the same index. You also own QQQ, which is primarily large growth. Personally, if there are no tax consequences I would sell SPY to VOO and QQQ to QQQM since are the same fund, but cheaper. Since you own the Qs (large growth) and are asking to counterbalance, then the logical answer is large value, which would be SCHD or VTV. Value companies perform better during market corrections since most of these companies pay a dividend, which is current cash flow. Growth companies usually reinvest their capital, as opposed to paying it out to shareholders in dividends, to help further drive growth. In a correction, companies with the better balance sheets and cash flow usually perform better, this would be value companies

tourbladez

A lot of folks like SCHD. I am sure there are other ETFs which focus more on value stocks vs. tech. Others on this subs can probably suggest some others....

Kriegenstein

SCHD is doing well this week, hit ATH at some point today.

acausedelle

Y'all are sleeping on SCHD though

KinzzaBadd

Sold all my TSLL from my brokerage acct. N bought MSTY, NVDY, AND SCHD. I take full responsibility for this bear market all of a sudden. I should start posting every trade I make, so you guys can buy the opposite. At least you guys will make money.. Yes, I'm a team player. A broke team player. But player none the less.

PutSpy

VOO, SCHD, and QQQM adjust percentage of each in your portfolio accordingly.

danielzius

I would say just picking $SCHG would be solid. Although, if you really want dividend exposure you could have 80/20 in $SCHG & SCHD.

Educated_Action

SCHD is a dividend (ETF) option. You can get better than 4% on your cash. Some investment brokerages offer 5% on funds in the investing account (not invested).

DodgeBeluga

Plus Dow went up .6% and conservative index funds like SCHD went up 1.3-1.5%. This is a money shuffling day, nothing more.

No-Improvement3164

SCHD pays dividends. I trimmed non paying dividends that were up biggly

No-Improvement3164

Not SCHD. No way

BlackBastado-2124

You recently said that SCHD was a dog that needs to be taken out to the backyard and put on.

AlternativeOwn3387

i mean it wouldn't be the worst thing in the world but just tons of overlap (VT includes all of the holdings of the other ETFs. And all of VOO will be in VTI, same with SCHD). Check the overlap yourself: [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php)

skylersabitch

What if I did something like this: VOO, VTI, VT & SCHD each 25% of my IRA. Would that make sense?

Common--Trader

Okay, there's a few things to break down here. I suppose first and foremost- why or what is your 5yr plan. Do you expect to need these funds in 5yrs? If that answer to that is largely no, then index funds, VOO, SCHD, VTI, (there's a number of decent ones) are in theory ideal for you. Now the stipulation to that is.. there is risk that between now and 5yrs from now, while they'll be earning you dividends and such the whole time- there's no guarantee they will be worth more, the same, or not less. But the idea with you being presumably in your 20-30's is that you have decades to wait out any type of market volatility, even if it lasts for years. And all that while you'll have been investing into the lows, or the highs, and come out of any sort of market storm wayyyyyy ahead of others. Unlike however your parents, being that as people age, they might have some pretty expensive medical needs, or living change requirements, etc.. they need to know that the 50k in their account today is going to be 50k tomorrow. Now if you do intend to need this money in the coming 5yrs, maybe you want to put 20% down on a house. Well then I would certainly consider keeping some in maybe 1-3yr CD's and some in HYSA. But, still not quite the amount that you have. I imagine you could cut what you have in savings currently just about in half and still have plenty to make a big down payment.

PixelMagic

Everything is down today except my Berkshire and SCHD

acausedelle

I made a few hundred from NVDA, lost big on VRT, made almost all it back on SCHD, VOO, and IWM, and lost half of what I made in one day.

RagnarokWolves

SPY is the good solid "Warren Buffett" recommendation. Continually buy and hold across 3+ decades, in good time and bad times, good things will happen if you don't panic-sell. VGT is tech-focused. It really blew up in the last decade or so. Will that continue at the same pace with the AI boom or is it overvalued and due for a correction? Who can say? I'm sure you'll make respectable money either way on a long time-frame. I don't mess with emerging market-specific stuff just cuz I assume the S&P 500 has enough international business. I know guys like Dave Ramsay have it as a staple of their portfolio. Not for me. Your choice. SCHD underperforms the S&P 500 which is already the conservative investment IMO. Your choice. I'm not impressed by AGG's performance at all. Across 20+ years it's just lost money?

Holiday_Treacle6350

SCHD for safety & dividends.

taplar

I personally would drop SCHD and put that money into SPY as well. I'd also use VOO or FXAIX or SWPPX instead of SPY.

Prestigious_Rich_102

Beginner investor, asking for help I am in my teens looking to invest, I had an account made on Fidelity Youth yesterday and I used an AI for help with a portfolio. I don’t currently have a job but am looking to get one soon, so I only have 30 dollars. What the AI told me is that i should do this portfolio $10 SPY $5 VGT $5 VWO $5 SCHD $5 AGG before I do anything I want to know if that’s a good or bad idea to do that plan. Thank you.

Plus_Seesaw2023

go watch SCHD and Real Estate ;)

Tangerine-Negative

Fuck this shit I'm rebalancing half my port into JEPI and SCHD

Difficult-Floor8369

SCHD $80 C has been printing for me this whole week

drew-gen-x

$SCHD hit a new 52 week high. My dividend stocks $BMY, $T, $BTI, and $VZ are all up 1-2% this morning. Crude Oil is also acting like a market hedge once again. Diversification is the key. It's always nice to own some divy stocks, crude oil, and gold in your port.

Kardlonoc

VTI is sort of the gold standard, guaranteed returns year over year, and overall is safer. VOO is generally considered tech-heavy at the moment, which is fine, but if tech suffers, so does VOO. But keep in mind Tech is driving a ton of growth in these ETFs. And if you want to sort of the best returns in an ETF, QQQM is the way to go. Generally, the riskier stocks and ETFs are recommended to young people like yourself. You will benefit from the most growth cycles; these stocks will grow like crazy, and then near retirement, you will put these stocks into something safe that has no chance of dropping. Not to say there won't be YEARS while these etfs are either going sideways or are losing value. I am also a fan of SCHD and JEPI but generally they aren't the best in growth. They are dividend ETF that produce great and safe yields Well SCHD does JEPI potentially could be viotile. But even in the Dividends subreddit if you are decades out of retirement you should be focusing in on growth. Not to say putting a couple of hundred on dividend etfgs or so to diversify your portfolio and then setting it to drip is fun.

BlackBastado-2124

You probably holding 2000 SCHD and 50 ITB

DodgeBeluga

SCHD has been a huge beneficiary of the last three days or so of money rotating out of tech stocks, it’s over 81 now.

ZippTree

SCHD is finally in the green for me, remember slow and steady wins the race frens.

PlasticHot7188

my dad said “no son don’t put money in SCHD it’s slow moving you don’t need income” eat my booty overvalued market 

fahrjack66

Always wondered, what is SCHD actually priced on? I know its purpose is obviously for dividends, but what is the basis of the price of ~$78

Argothaught

Maybe a silly question, but would this have any affect on their ETF offerings, such as SCHD or SCHG?

Dan-in-Va

SHV, BIL, or SGOV are the safest. for a moderate return, maybe SCHD

STierMansierre

I'd sell everything that is matured and reinvest in indexes. Single stocks may have got you here but they could drag you right back, it's time to shift from aggressive growth to steady and stable growth. Don't overlook the mid and small cap stuff, some of it has done well recently. Nothing seems to be beating my TRP Blue Chip Fund right now but the S&P is doing great even by comparison. Start acquiring bonds now too, they'll make a nice hedge. I'm not against dividends but I'd recommend SCHD or another fund if eventually you are looking to have that passive income as part of your future portfolio. Single stocks tend to fluctuate more with the yields vs funds. I would be absolutely intrigued at what might happen if you try to divest from crypto, please keep us posted if you take that route.

Holiday_Treacle6350

Just look for ETFs with the keyword "low volatility," SCHD comes to mind. Pays a good dividend too.

LonesomeBulldog

50/50 in VGT and SCHD historically beats the S&P 500 and, in downturns, the drops are lower than that index due to how SCHD is designed.

kronco

It may or may not be appropriate for ones personal circumstances. 65 years old vs 25 years old. Rich with a big portfolio vs. starting out. Someone with a high risk tolerance vs. someone who would panic sell on a 10% drop (S&P drops 10% every two years, on average -- https://www.schwab.com/learn/story/market-corrections-are-more-common-than-you-think). So I suspect the beef is that S&P 500 is presented as a 80% solution where it might not really be appropriate for many situations. It's just 'echoed' too often and over used as a basis for comparison (posts with people using a diversified portfolio returning 10%+ annually compare it to S&P500 wondering why they are doing so poorly when they are doing fine, risk-adjusted). I do wonder if the S&P 500 echo will grow fainter over time. 18 months ago SCHD and JEPI were often mentioned in this subreddit, but not as much now.

Vast_Cricket

SCHD, SWPXX, spread out more.

fatmallards

Drop AGNC for STAG or SCHD

L0n3rz

Hey everyone! I'm a recent addition to the group and this is my first post on Reddit ever! I grew up pretty poor and financially completely uneducated, so I'm just looking for some tips/guidance to improve upon my financial literacy and better establish my portfolio. Anything at all would be very much appreciated! For context, I'm a 26 y/o making ~66.8K as a base salary/weekly take home after taxes of ~$1700 on average (work for one of the top 20 pharmaceutical companies), not married, no kids, and living in an apartment with my (hopefully) soon-to-be fiancé. For simplicity sake, I'm only going to be including my assets in this post. As of now I contribute 10% and 3% to my 401K and 401K ROTH respectively, with a 5% match to the regular 401K paid out in company stock. Value of this is currently at ~35K after two years of contributions. I've recently taken it upon myself to take over my investments and have placed the majority of my holdings in VOO/SCHD (90/10 split valued at 6.1K rn) for my Roth and split my normal brokerage 401K between VOO/SCHD/QQM/VXUS/AAPL (50/23/23/2/2 split valued at ~18K). Remaining stock in my 401K is solely in the company stock match, (~10.4K). I also have another brokerage account granted by my job that holds ~26K in company stock value, but vests over 4 years split ~50/50 between RSUs and Stock options (can purchase these at ~half the current stock price). Obviously I need to max my ROTH contributions, but that isn't attainable at the moment due to the HCOL in our living area and ensuring I receive maximum company match. As for the extra company stock account, half will be vesting in the next two months and I'm planning on potentially paying the strike price for my options, then selling some RSUs for cash flow and retaining the rest for my portfolio. I also know I need to work on establishing an emergency fund of at LEAST 1 year and currently have ~$600 a month going toward that as of now. (~3.6K currently saved, but monthly survival currently requires ~2.6K between housing, utilities, groceries, vehicles, etc.) Is there anything you guys might suggest I change or try to do better in regard to my portfolio/finances to be better? Thanks in advance!

ValueGamerInvestor

I buy both the SP and SCHD. I’ve been buying more SCHD lately as the market rises, but I’m down times I go heavier into the SP500

Devario

This is the perfect example of how past performance is not indicative of future results.  You’re completely ignoring historical context. The market behaves differently now than it did during that decade prior to SCHD. “Data” for SCHD prior to its inception is not real. These are fake numbers being used to draw real conclusions.  From 1999-2011, we didn’t have free retail trading. We didn’t have social media to the scale that we have now. We didn’t have algo trading to the scale that we have now. Interest rates were very different from 2010-2011. We didn’t have a variety of publicly traded companies that we have now. More people invest now than before. Financial policy is different. This era came at the end of a budget surplus. Pretty soon we’ll have AI trading. There are literally more people on earth and in America. All of these variables and more affect how markets behave. 

Gay_Black_Atheist

How about those taxes on the dividends taking a chunk out? I would rather have growth and determine when to take gains and taxable events. Unless in my ROTH I would split SCHD/SCHG

Lunar_Neo

Seeking Alpha has plenty of anti SCHD articles also, like this one recently: "SCHD: There's Almost Never Any Reason To Own This ETF". SA along with most other sites post a lot of noise and constantly conflicting articles. A person can get really tripped up as a new investor if they focus on what SA suggests. It looks all well and nice, but that article you posted is 3 years old now. SCHD has flatlined since then while the total market is hitting new highs. The general consensus is total market will outperform SCHD over the long haul, and I personally tend to agree. Having said that I do like SCHD and it is 10% of my total portfolio currently, the rest is mainly a total market fund and bonds. I don't plan to sell my position but need to decide if I want to keep it at 10% or not going forward. I purchased a larger chunked in my parents investment account since the dividend drag has no impact on them.

Wibi333

If I were in your shoes I would drop AGNC, it just keeps bleeding. I had it for a time and I hated it. If you want a dividend stock, get dividend growers or buy a fund like SCHD. As for the S&P 500 funds, just get VOO as it has lower expense ratio.

SentenceSweaty8575

I am just being downvoted for stating my investing philosophy and showing that SCHD has outperformed VOO for extended amounts of time. That always changes. The point is if you’re generating enough dividends from SCHD to live off of, why would I care if I “could” potentially make more of a total return with VOO but have more risks of bigger drawdowns. I want to live off dividends and interest and not have to sell any shares at all, especially during a down market. I want to generate an income stream that will continue to grow for the rest of my life, less volatility, and be able to sleep like a baby knowing I am receiving my dividends (:

SentenceSweaty8575

VOO I’m top 3 stocks that are tech, equal more than 20% of the entire ETF. Also, I will be living off SCHD dividend only.

alwayslookingout

>I like to know that during downturns I do not have to sell my shares and continue to live off the dividends SCHD will produce. You’re talking as if VOO doesn’t also have a dividend. Sure, it’s only 1/3 of SCHD’s but unless you have like $1M+ invested in SCHD you’re not going to be just living off your 3.56% dividend yield.

SentenceSweaty8575

Not necessarily. SCHD ETF was made in 2011 so not a lot of long-term data. So, they made a simulated ETF that matches SCHD holding criteria for selecting value/dividend stocks. Therefore, they backtested back more than a decade to show that during a hypothetical 20 year period, SCHD outperformed VOO. There was 2 huge downturns and the longest bull market in history. No matter what, VOO holders cannot accept this.

acquavaa

I think SCHD will always outperform SPY if you start the range the day before a market crash like that. But since the market is in a bull trend more often than a bear trend, you’re far less likely to outperform SPY with SCHD when you pick a random 20 year period