SCHD

Chanologist

Verizon, Nvidia, Google, Amazon, SCHD, MO, ARCC and MAIN

Then_Past_4646

agree, I'm 4 parts VTI to 1 part SCHD. Note this doesn't mean this will outperform VTI over long term

iamNotLyingMan

Buffet would pick VTI over SCHD

DoinIt4DaShorteez

10 - 15 years, you don't want to just flip the switch from VOO to SCHD all at once. Start allocating some of your new money to SCHD and increase that allocation over time.

Former_Tomato9667

I agree with your reasoning, but I’m only 10-20% SCHD in my IRA, which I manage as if it is the first part of retirement that I would liquidate if I had to. The returns will probably lag VTI/VOO and I don’t have SCHD in my longer term accounts.

killerdrgn

Ehh if you really want, you can just take out what you need for taxes and repairs, and put the rest back into VOO or SCHD tomorrow afternoon. It's a good time as any to diversify.

Ocampo-Mark

Shifting some of your holdings into dividend growth ETFs like SCHD or DGRO makes sense to secure that 4k monthly cash flow in Europe. I actually used trylattice to run some [numbers ](https://www.trylattice.io/share/cmmbdf03j01l6083uw2loxg62)on those exact funds and the interactive charts show they have a great track record of keeping up with inflation. It is super helpful for visualizing how your capital stays protected while you are drawing down for living expenses. You might also want to check the real time stock filings for those covered call funds to ensure the yields are sustainable for your long term needs.

Separate_Anxiety3347

I wouldn’t treat this as a winner-take-all call. VTI/VOO is broad core growth, SCHD is a style tilt. Core + a smaller SCHD sleeve is usually easier to stick with.

DigitalSheikh

IMO that’s why SCHD is an awesome addition to a Roth IRA. Dividends hold up the return since they’re tax free, and it’s defensive. 

abstractraj

VT and chill. It covers the world. You’ll be diversified across thousands of stocks. Shift some into SCHD/BND closer to retirement

ETFNavigatorPro

Agreed please don't let the recent surge for SCHD influence the better choice in the long term.

therealjerseytom

> SCHD has much lower PE ratio There are reasons for this. It's important to consider what sectors a fund leans into, and what kind of PE is typical of those sectors. It could be sitting at a lower PE than the broader market, but that doesn't necessarily mean that it's an attractive valuation. With that said, there are those, like Vanguard, who see value and smaller-cap style boxes, as well as ex-US equities, as being more attractive on a valuations basis than US growth mega-caps. Rather than VOO, VTI, or SCHD, if it's me I'd be looking at VT for your time horizon.

Cav829

SCHD is experiencing recent success because of the surge in oil companies and the flight to safety of defensive stocks like Coke and Pepsi as well as the surge of LMT. It is not a replacement for VTI/VOO. I think it's a good ETF, but it was basically flat before dividends for almost a 5 year period until December.

Gingerholic803

Eating shit on everything but SCHD and WPM

anyitamp

Despite the shorter history, DIVO had similar total return (dividend reinvested) vs DGRO and SCHD since DIVO’s inception, and at the same time offers attractive yield, so it’s kind of a combination of growth and yield. You can compare DIVO vs other dividend ETFs under your watchlist here: [https://alphabetaetf.com/etfinfo/DIVO/](https://alphabetaetf.com/etfinfo/DIVO/)

ChemicalPolicy5037

Time to just keep buying SCHD

Full-Atmosphere-9702

The problem is actually that you are 20 years old, you think nothing can touch you, nothing can hurt you and you won’t lose. That’s just part of being 20 years old. You have the right idea. Go get a job make some more money and invest it in dividend etfs to start like SCHD or VOO, there are tons of good ones. Build up your portfolio again and start over. You have so much time, coming from someone who is 50 and didn’t do the right thing with money until a few years ago and is now trying to play catch up. If I could be 20 again, I would have played life so differently🤷‍♀️

livetotranscend

I do 70% FZROX and 30% FZILX and I'm up 23.96% over the past year and my all time return is 45.21% (been doing it this way for almost 2 years I think). Both of those funds are zero expense ratio funds and cover most the market, both domestic and international. Lately I've been thinking about adding a small percentage of SCHD but I'm not sure how best to work it in.

trsx5

That guy that said "poor SCHD" probably is buying a $ROPE rn

MeeseShoop

Poor SCHD

alone-in-the-chat

Only green SCHD

TheDarkestTriads

SCHD is 20% energy stonks. Expect $32+ premarket.

Grrrrrrr_r

If you're focused on actual income, SCHD is probably the solid pick for

CoolBreezeBrew

It seems like you have a low risk tolerance. Have you considered a bond ladder. I am getting close to 5 % on 20 year zero coupons. You also might consider something more like VYM, SCHD, VYMI and TLT. I would keep at one years worth of living expense in cash and slowly invest as your tolerance allows. Maybe something like : 25% Cash 25% bond ladder 25% income stocks/etf. SCHD VYM VYMI 25% Growth VOO, SPY VTI

LoadEducational9825

Are you collecting SS at 65, what are your monthly expenses? There are some unknown variables to give you some input. Because you’re retired I don’t think chasing high returns is worth it due to risk. You may consider allocating a portion (10-15%) of your IRA account towards a dividend fund (SCHD)?

Polycold

Look into asset class diversification. You always have to choose between maxing returns and preserving wealth. You can’t do both. Asset class diversification means you own all the major asset classes even though some are doing well and some are not because you want to already own those poor ones someday when they are needed. VASGX gets you four cheap asset classes in one ticker. For your savings, three months in cash emergency fund and the rest in gold. Gold is an asset class that most people are missing. You don’t need much, build up to 5 or 10% of your portfolio over time and it will double as the deep end of your emergency fund. You can add in a REIT fund and a dividend fund like SCHD if you really want to diversify further. This is the key to not being anxious. You are insured when you diversify. Will you max returns? Nope. Will it grow tons? Yep. Spent a little extra time on this one because my son is your age. Good luck.

Legal_Potato_9063

With $1M focused on income, the boring answer is the right one: split between SCHD for dividend growth, a Treasury ladder for predictable cash, and maybe 10-15% in investment grade corporates. That gets you roughly $3,500-4,000/month without touching principal. For reading, check the Bogleheads wiki. It's the only resource that isn't trying to sell you something.

RequireMoMinerals

Sell it, pit it in SCHD, live on dividends forever. You’ve won the game. Please don’t snatch defeat from jaws of victory.

Slaxle

I am trying to rebalance my portfolio. About 14% of my portfolio has been medical and medical technology, which after the COVID boom, have not done much and have been underperforming the market as a whole. So I have some money to re-allocate. What's a good move for the foreseeable future? With the American stock market basically trading flat for the last 6 months, and Trump starting another war... I'm thinking SCHD or emerging markets?

Slaxle

I am trying to rebalance my portfolio. About 14% of my portfolio has been medical and medical technology, which after the COVID boom, have not done much and have been underperforming the market as a whole. So I have some money to re-allocate. What's a good move for the foreseeable future? With the American stock market basically trading flat for the last 6 months, and Trump starting another war... I'm thinking SCHD or emerging markets? Anyone have any suggestions

Mrbustanut

SCHD was up today r/dividends 

vwboyaf1

SCHD and XLU saved my ass today.

gatorjim5

It followed the same trend as SCHD. It traded sideways and down for a long time until this rotation happened. SCHD is the same way, it shot up in the last couple months. Now we wait for the rotation back into tech.

ekdms

Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!

EmpathyFabrication

I'm pretty happy with my investment but I'm still focused on growth mostly. SCHD has mostly replaced bonds as a hedge for me since I get a pretty good yield now that I've been invested in it for so long. Seems to be a very controversial ETF on forums

Lucid_Chemist

Thinking about dropping 20K into SCHD since dividends are taxed less than CDs…. Scared it might be the wrong time… but yolo. Unless anyone has better dividend funds in mind?

Octodab

SCHD is literally +13% YTD

jrex035

BRKB and SCHD continuing to do what they do best, go red on days they really should be green for once

snotick

Except he never mentioned single stocks. He didn't mention ETFs like SCHD. What he did say is he wouldn't have it in mutual funds, just individual stocks like General Mills.

ScoobDoggyDoge

I'm not a financial advisor, so i'm guessing as to why the financial advisor said this. They are not your financial advisor. They're giving you free advice that they would take on their own. First of all, financial advisors choose mutual funds because that's how they get paid. That person was giving you real advice. Individual stocks are more risky but those are something people invest in if they know what they're doing. That person was probably also considering your age. You have a while until retirement. Growth stocks might be more beneficial to you. Your parents are in their 80s and are risk adverse. They're better off going with mutual funds or stocks that receive dividends. I personally have a couple of ETFs, but i invest in stocks. Think about it, what if you invested $xxx in NVDA 10 yrs ago vs SCHD. The growth from NVDA would exceed the growth and dividends from SCHD. But, it could also be more risky so you have to know what you're doing.

EmergencyFair6786

A healthy mix of VTV + SCHD pretty much do this for me. 

NomSaneMan

Isn’t that just SCHD?

vegienomnomking

So basically SCHD.

NorthvilleGolf

If this is real, OP should take his winnings and go into something like 50% AOM, 10% SGOV, 20% SCHD, 20% SCHY and call it a day.

EwokNuggets

Same man. I’ll just buy another $20 of SCHD and take my tiny dividend thank you

Adorable_Smell2187

Oh hey there is SCHD sitting on the shore!

trsx5

SCHD and chill for the next 2 years. 😎

greenpride32

SNAP is down 80% all time. If that isn't the defintion of a "loser" stock I don't know what is. SNAP is down over 50% in 1Y and down over 90% in 5Y. The 5Y chart is a bit skewed because the start is near its peak, but still... 5Y return on QQQ is over 90%. 5Y return on SPY is over 80%. SMH ETF is up almost 250% in 5Y. Even the ultra conservative SCHD is up over 40% in 5Y while paying 3.5-4% dividend yield. People who just throw their money into reliable indices that have long history of going up are destroying SNAP with little to no effort. And here you are just hoping to capture a small slice here and there? That's what I meant in my first comment about your biggest loss is opportunity cost - people are growing their net worth by multiples while you hope for small nibbles. But TBF, invidual stock to ETF is apples to oranges. People who are picking individual winning stocks are crushing SNAP even more than the ETF's - again going back to my comment of why buy "low/no growth" stocks when you can buy "growing" ones? The former stagnates, the latter grows your net worth.

RageQuitWallStreet

I like SCHD. But it doesn’t pay monthly, and you will need a ton of it to pay rent. 

rednetian

Ha sorry, I misread your SCHMD earlier, pretty sure you meant SCHD.

rednetian

$500 a month at 20 is a great start. One thing though, VTI and VOO have a lot of overlap. VTI's top 10 holdings are 33.7% of the fund, VOO's are 38.4%, and 9 out of 10 names are the same. You're basically doubling up. I ran all three through my fund analyzer and they all come back A+ STRONG BUY. Both VTI and VOO score 100/100 with 0.03% expense ratios so you really can't go wrong with either, just pick one. SCHD is the one doing different work in your portfolio, 3.51% yield and the top holdings are names like Lockheed Martin, Chevron, Verizon, totally different from what's in VOO. I'd simplify to VOO + SCHD and split it however you want. Again I'm not an advisor, I just start with data. If you want to look at the breakdowns yourself I've got a free fund analyzer you can use. [https://fluentboost.com/](https://fluentboost.com/fund-analyzer-pro/)

rednetian

VOO is a great foundation, you can't go wrong just putting money in that consistently and not thinking about it. If you want some dividend income on top, SCHD is solid for that side of the portfolio. At your age I'd lean heavier on VOO/QQQ for growth and maybe add SCHD later when you want more income. The main thing at 20 is just getting money in regularly and leaving it alone. Which one you pick matters way less than the habit of doing it every month.

trustfundkidotaku

By the 122% number it seem your investment advisor might go the dividend route SCHD did lag the etf by that amount but it’s a dividend and well diversified ETF Tbh u should ask yourself what did u ask for to your Investment advisor on 2016 Did u ask for growth or security ? Chase Alpha or dividends? Investment advisor basically just translates its clients want into portofolio anyway

Due-Consequence-7297

Seems like this has already happened. P&G has gone up 15-20% in past few months. Same with SCHD which includes a big consumer basket. In the same time, VGT and tech stocks have sunk. Not sure how much gas is in the tank for the trend to continue

Heyhayheigh

Open a Fidelity account. Get rid of SCHD and gold. Split it up into weekly instead of monthly. Sell only when you have something urgent to pay for. Work to increase the weekly amount. There is nothing wrong picking some stocks you like as long as you do it automatically and don’t panic sell. You will eventually learn to just increase the VOO, just makes life easier. But I do the same with some of those stocks you list. It’s fun. SGOV for emergency fund and large known expenses. Keep life simple.

Just_Review_6635

Tbh I’d do $500/ VOO, $200/ VXUS, $200/SCHD, $100/BND if you really wanna split it like that

Severe_Ad_535

Take this with a grain of salt, as I am not an investor expert and fairly new to investing myself. However, I am of a similar age and similar saving amount situation up to a year ago (much better now), so this is all anecdotal. At this time last year I had the same amount as you saved up. I had student loans at about 6,000 (350 a month 6% interest), car payment loan about 1000 (another 300 a month 9% interest) and HVAC loan 10000 (about 110, 10% interest). I could manage all those payments, plus save about 200 a month with my salary. The first thing I did was focus on my student loans. Financially, this was a dumb decision due to low interest rate and small tax break. Mentally, it was what I could achieve the fastest and give me a sense of accomplishment to keep going. I put all my tax returns and extra income (work bonuses) towards my student loan while still saving about 200 a month. I finished paying that off this past December and now I started rolling that into my car payment, so 650 a month now. In the mean time, my savings slowly increased to about 5k and that's with just making them sit on a savings account at 1%. Another dumb decision as even putting them towards bond/noted would have given me at least 3%. You could argue that I could put that 5k towards my car loan and save a few hundred on interest, but 5k is all I got in case shtuff hits the fan and my work has laid off over half the staff in the last 3 months, so I didn't want to risk being back to 0 in case I get let go again. At the start of this year I started investing and now that 5k is all in monthly notes (about 3.6% annual interest). I see this as a safe way to grow the money and in case shtuff hits the fan, that money will be available within a month to keep me stable for a bit. The rest of my savings so far I've been putting towards stocks 50/50 VOO/SCHD(for small growth + dividends). Another thing I did this year was get a new credit card with 0% APR. Plan is to put all my grocery and misc purchases on it for the rest of the year, and put all my actual cash towards the last two loans (making minimum payments on credit card), which if I calculated correctly I should be able to pay off by the October of this year. And on the last two months without any loan payments, I should be able to save enough to fully pay the credit card before interest start hitting without having to dip on money I have saved passively up to this point. By then I should also have at least 20k in savings. All this to say that 1 year ago I never thought I'd be able to pay off all my loans within the next 5 years let alone save up to 20k within that time. But if you stick to it, each month that little you save up or chip away from loans grows more and more and then that growth begins to grow too.

Ok_Juggernaut3043

I like this! I had SCHB in the Roth to “balance out” some volatility with the small cap value holdings. Closer to retirement I was going to trim the small cap value and add in something like SCHD

Scared-Signature-452

I moved everything to SCHD yesterday . Good idea?

Lost_Found84

For international I’m in VYMI and VEA. The value etfs are mostly SCHD, but I’ve been contemplating switching to something less dividend focused. I bought into a gold indexed etf (FGLD) around October too. That and the international have done most of the heavy lifting. The value is just sorta dampening the losses.

Domefieldadvantage

SCHD barely a nick the only one in my port not getting destroyed 😂

trsx5

my SCHD position is so clutch.

DaemonTargaryen2024

* Option 1: globally diversified (slight US tilt) * Option 2: US-only, tilt towards US LC blend, US LC value, and tech. Long term, the smart bet is Option 1. >FZROX and FZILX gives broader diversification including small caps and international Correct >SPY QQQ SCHD is more us focused with a heavier tech and dividend tilt Correct. There's no logical reason to tilt towards dividend stocks. And the tech tilt can be enticing but careful chasing recent performance >QQQ has historically outperformed in tech driven markets but with more volatility Correct. After dot com it fell 80% and didn't recover for 16 years. Would you be okay holding onto QQQ if something similar happened again? >SCHD adds income through dividends Technically, but who cares about income when you're not retired? >but can lag in strong bull runs Yes. It also just underperforms long term, period.

Separate_Anxiety3347

If your goal is long-term compounding with low maintenance, an 80/20 total market + international setup is very strong. SPY+QQQ+SCHD can absolutely work too, but it adds multiple active bets (US tilt, style tilt, factor timing). A practical middle ground is: keep a simple core, and if you want a tilt, cap it at 10–20% as a satellite position.

Chromebug

If you want to feel some immediate gains without liquidation there are a healthy number of CEFs, BCDs, dividend ETF and if you’re a bit more risk average covered call funds that can provide modest growth and income. This is of course a complement to your core investments that you’ll be compounding. Not investment advice but I’ve been keeping my eye on some of these: MAIN, ADX, TRIN, GPIX, IDVO, SCHD, FDVV and DGRW. This isn’t a portfolio, just a watchlist you can start researching on to see what you like. At least for me, having a portion of my investment payout in dividends allowed me to feel the immediate benefits without the long wait till retirement age.

EffectiveChapter9411

Yeah then I would focus on low cost broad ETFs. But I would also suggest thinking about when you want to retire and how much you would need to have to be able to retire. This will help guide what ETFs you want to buy. But you can never go wrong with broad market or S&P500. It also might be worth it to start looking into DCA into some dividend paying ETFs like SCHD to help prep for retirement. As long as you understand the tax implications

Easy_Paint3836

If you don't care about investing, put it into a couple ETFs like VOO, SCHD, or VXUS. (There are plenty of others if you care to learn, but these are fine.) Then just let it sit and make money for you over the long term. If you are very wise you will start putting some money in there from every paycheck, up to 20% of your pay. You won't regret it.

8InchDaks

There is FIRE. Retire early. But yes, its fine to do your due diligence and make “bets”. Plenty of stocks out there. Invest in etfs and have some small allocations to moonshot stocks. Not random biotechs, but companies with a future. If you want, theres also 2-3x leveraged etfs. 1.5-2x is ideal but this can help a lot. Instead of say, 100% in VT/VOO - you could do 50% on a 2x leveraged etf of it and 50% can be allocated to somewhere else(SCHD, moonshots, bonds etc). A lot of options. But like I said, research FIRE. Increase your savings rate and you dont have to wait 30-40 years.

pippinsfolly

Grandma did you right! But, rebalance it. Half the portfolio should not be in one security. While I don't adhere to best practices, a single holding should be limited to 5% of a portfolio. If you need time to figure it out but still want the money to be working. Reduce each stock holdings to 5%, and invest the cash in a distribution of SCHD, SCHX, and a bond ETF or find a decent 1-3 year CD. That should give you enough diversity to let it sit while you learn fundamentals of investing. At the end of the day, you're 21 and have plenty of time to see through any market volatility. You're starting in a really good position for the rest of your life. Don't stress too much about it.

No-Influence-2760

Honestly I have TRIED to reduce my holding percentage of it several times and it keeps rising to the top. This Includes a portfolio that had even parts 20% of TSLA, SCHD, BST, and CII. Tesla continually reaches the 25% of holdings while the others stay in the 20% range.

eclipse60

Sell Tesla and put in an S&P ETF like SPY or VOO. Could also go with a dividend etf like SCHD. Whatever ETF you go for, make sure you turn on DRIP. Its a Dividend ReInvestment Program. Helps your money compound faster. You will have capital gains taxes to pay, but its worth doing imo. You should also open a ROTH IRA. You can contribute $7k towards 2025 until 4/15/26, and you can also contribute for 2026 as well. So maybe sell $15k worth, move it to a ROTH IRA, and buy the ETFs there. Roth IRA let's your money grow tax free, but the downside is that you can really use the money until you are much older. However, being 21, you can slowly move these funds into a Roth IRA, and hit Coast FIRE by the time your 25-30.

DistributionBroad173

read r/Dividends SCHD is very popular there. Research dividend aristocrats Research dividend kings My first DRP(dividend reinvestment plan) was in AWK, America's largest water utility which is about to get even larger with the take under of WTRG.

sirzoop

same i have a lot of SCHD, VIG and VIGI as well

uatrade

Buy ETF VOO about 80% and SCHD about 20%. This is more reliable portfolio.

AICHEngineer

SCHD's historical max drawdown is identical to S&P500

Ajaxeux

That’s why I been doing SCHD it’s safe and can absorb market crashes to some extent in events like these

goodtilcancelled

SCHD is actually my highest returner YTD. Which is nice ig?

db_deuce

SCHD, VOO, QQQ and QQQI combo

NothingInfinite4690

Looking to invest recently inherited $380k. I want to protect money, have potential for growth with market, but want to hedge against AI bubble and valuation risks. Please rate my portfolio $110k Berkshire Hathaway $80k SCHD $50k VT $100k SGOV $40k XOM

Facebook_Lawyer_Gym

SCHD has a PE of 18 which is kind of crazy for a "value" etf.

AlGAdams

SCHD

Night_Feisty

I've been adding to VTV & SCHD much heavier the last 12 mos.

cdude

Get rid of SCHD. Understand why you're weighted into tech. We can tell you just came from tiktok because every new investor who comes from tiktok has this exact portfolio distribution. First thing you should learn is to not take investing advice from tiktok. You can learn the mechanics, but not what to invest in. Sure, there are good advice on there, but they probably aren't at the top of the results since you all end up with this same portfolio.

No_Mistake_1778

I am 17, living in the US. I have around 30k and am deciding how to allocate it among ETFs and individual stocks. I should make around 17k this year, so I am going to max out my Roth IRA. This is how I currently plan to allocate my money, any thoughts or suggestions? |Brokerage|Cash|Roth IRA 2026|Individual Stocks| |:-|:-|:-|:-| |28,000|2,500|$7,500|250$ PLTR| |6,000 VXUS|||200$ Meta| |12,000 VTI|||50$ Lockheed Martin| |5,000 QQQ|||200$ NVIDIA| |4,000 SCHD|||| |1,000 Individual Stocks||

EveryPassage

Nothing wrong per se with this portfolio. I'd recommend a little more international and no SCHD in a taxable account. But it's not a killer. Do you have a Roth IRA? That may make more sense for these assets if you intend to hold them for the long term.

biggestkalosfan

I’m 25 living in the US. I have around 74k in my 401k, an emergency fund & around 15k in a brokerage account. Can someone give me feedback on my current brokerage portfolio please? I’m high risk tolerant & I have no purpose for these funds yet. This is an account I toss money towards each month from whatever is left over. $15,000 total 70% SCHB 15% SCHF 5% SCHD 5% Gold 5% Bitcoin

Makaveli_is_back

I got the perfect portfolio for you buy every single week. No matter if it’s $10 $20 $40 whatever you can afford buy the same amount every week and you will be fine also if you are trying to set it up for retirement just buy on a Roth IRA account pay for gold and get the extra 3% match VOO 24% QQQM 24% ARKK 15% ARKX 15% NUKZ 12% SCHD 10%

Junior-Appointment93

VOO,SPY,QQQ,SCHD,SPYI,QQQI,IDVO,SGOV,O, and CHPY. 10% in each. Growth with VOO,SPY,QQQ,SCHD and IDVO. Income with some growth with SPYI,QQQI and CHPY(as of now no NAV decay at all.)SGOV bond exposure plus it’s extremely safe and pays monthly. O gives you exposure to real estate. Yes there is some overlap but each one does it a bit differently. Something likes this is my ideal portfolio. If I was still in my 20’s and able to invest.

5365616E48

Do you own DD, buy since you asked. These have been the most stable for me. WMT - Walmart MDT - Medtronic SCHD - Schwab US Dividend Equity ETF

Realistic_Agent_9494

I would literally just do some mix of VOO, VTI, VXUS, SCHD and QQQM

Cav829

SCHD could dump 10% and still be doing better than SPY the last 3 months.

Heyhayheigh

It’s a Roth. There is no need to do it little by little, lol. You doing the right thing, Vug. If you want the SCHD to replace the bond portion, that would be cool. But that’s not what you said you were doing. In brokerage just buy weekly and auto. Don’t panic sell, and you are home free. You’re doing great though!!

Own_Flounder853

Thank lol.  I've actually been selling my position of SCHD in the Roth.  

Heyhayheigh

Why is ANYTHING in stable fund in 401k? There is no need for SCHD in a ROTH unless income is currently the goal (which it shouldnt be). You are doing great though! Spend less, invest more auto, sell only when there is an urgent expense to pay for. What will you be doing in your retirement? What will you be spending? That is what tells you if you can afford to retire or not. Male or female kind of matters also, women live much longer. Best of luck!

NikoRNG

Pretty sure I’m selling off my SCHD/DGRO and moving it all to MSFT tomorrow

Direct-Protection-81

Dam then it costs me 10 shares, or it’s 3 shares of AMD the logic still stands, on the pre-requisite you are going to still get your salary, Microsoft was just an example. Let’s say SPY or SCHD lol.

Busy_Ad4349

A bleak life is awesome in my book. I need sone SCHD in my life.

troncoparati

To generate ~$500/month right away (without waiting or reinvesting), you’re looking at roughly $176,000 to $182,000 invested in SCHD, assuming the current ~3.3–3.5% yield holds steady and dividends aren’t cut. With leverage you need roughly $92,000.00

TrashPanda_924

SCHD

No-Improvement3164

I knew when they banned me from SCHD chat it was probably time to buy. 😂