SCHD

No-Improvement3164

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

Kachowxboxdad

How’s everyone handling that if you just put your money in SCHD you’d be up 13.99% in 45 days?

Faultyassasin18

Hey everyone, i've been really kicking around two different investment strategies for the next 20 years to build wealth and create passive income, and wanted some input on both- an initial $10k investment in high dividend stocks (either VZ or GAIN) and then DRIPing and a constant $500 a month investment vs a diversified ETF Strategy with the same initial investment and monty contribution. The strategy would be 60% VTI, 30% VOO, and 10% VUG. To offset the dividend income gap, i'd switch that over to 50% SCHD and 50% JEPI towards the last few years. I have a high risk tolerance, which is why I don't mind putting it all in a single stock vs diversification. All this to say: which have you seen be more successful- Dividend investing or ETFs for long term wealth?

BobtheChemist

Investing part of the cash will generate more future wealth, and you can always keep part in cash (SGOV, etc) for emergencies. If you put part into growth, like IVV, QQQ, SPY, IYM, etc, some into dividends like VIG, VYM, SCHD, or such, and then keep adding to it as you can. But you will earn 2000+ a year with any luck, and still have some cash for emergencies. But it will not ay the entire rent any time soon.

AshlynnXTaylor

If you're saying that you only have 6 more years to invest and are needing to start withdrawing that money in that time, I would sell off some of your high risk holdings (at a profit) or at least have an exit strategy for these (stop loss or trailing stop loss limit orders). Start looking into investing into income and dividend positions instead of high risk growth. SCHD is a major part of my portfolio and although the returns don't look as sexy as SPY and QQQ (which I also hold because my risk tolerance is high and time horizon long), the plan is to buy hold forever, and live off the dividend income in about 20 years. The S&P 500 is overvalued and a correction is inevitable at some point. I think we're seeing the earl warning signs now \* this is not financial advice ;)

Complex-Jello-2031

1 SCHD is for over 40you need growth 2 i like QQQM for long term hold QQQ is for trading 3 replace SCHD with international I like VXUS but other are good also

VisualWeek5189

honestly you’re already doing a lot right. getting the full employer match and investing consistently at 20 is a huge advantage by itself, so you’re ahead of most people. the only thing i’d point out is overlap. VOO and QQQ already have a lot of the same big tech names, so you’re pretty concentrated in large-cap growth whether you realize it or not. SCHD adds some dividend exposure but it’s still mostly US large caps. not necessarily bad, just something to be aware of. also your 401k being a target date fund already gives you broad diversification and automatic rebalancing, so you don’t necessarily need to get too fancy in the Roth IRA unless you want a specific tilt. if your goal is simple long-term retirement investing, honestly the biggest factor is just keeping contributions high and sticking with it. allocation tweaks matter way less than consistency over the next 30–40 years.

DigitalDensity

Could you explain the investment strategy and goal? Especially if this is a multi-decade investment horizon, SCHD and SCHH in particular are strange choice. Dividends should not generally be a focal point of a long term buy and hold strategy. Further, you hold VT, SPYM, and IXUS. In this structure, it looks like you’ve just constructed VT with extra steps and a greater expense ratio than necessary. Now there is actual merit to AVUV. However, to explain this we need to examine something called the five factors. This is something I am not qualified to explain myself and I will link a good video to it below. HOWEVER, in your case and in the nicest way possible, I don’t think YOU even know why you are considering AVUV. https://youtu.be/jKWbW7Wgm0w?si=bEOUZaF8xeW0RF6k The crypto funds… Again, I have to ask why you want these. What are these achieving that you don’t get from stocks? Are these just an attempt at diversification or held for another reason? Also people are talking about bonds bad in reference to your SGOV allocation. They make little sense here considering the high risk profile of the rest of the portfolio. Typically, investments in cash or bonds are used to lower a portfolio’s risk profile. You’re trading returns for safety. Even at a 5% yield, this is not a great decision. This video gets into it here. https://youtu.be/KdzOlRRHOU8?si=XXViK6zbiFVz9pXb Lastly, could you please explain your investment goal and/or how you even got to this set of funds? I would like to know the story here.

brooklynschino

Yes but in this case, SCHD has qualified dividends AND low expense ratio. I love that and it makes me want to buy more.

brooklynschino

I agree with dividends at 26 years old being a no, but not even SCHD? I like the whole idea of accumulating enough to where the yield pays for the stock itself and buys more shares. Nonetheless, thank you for your advice! All advice is taken into consideration.

RichPokeScalper

I obsessively study every SEC report line by line…. Just kidding, 50/50 SCHD and SMH and never look back.

Left-Cod-1281

SCHD will pay a qualified dividend...

DoinIt4DaShorteez

That all sounds fine in general. I wouldn't have too much allocated to SCHD at age 20. If it's more than 30% of your Roth, I'd probably trim it down to 10% and split the proceeds between VOO and QQQ.

PlantainNecessary110

Source: 26 year old machine learning engineer My strategy is simply buying lots of AVGV with a 20 percent SCHD tilt in my Roth, and 50/50 VT/AVGE in my two taxable accounts for a business launch in 3 to 5 years and a retirement bridge in 20 years respectively.  My reasoning for this is I am a big Fama-French believer, and my intuition about AI is lining up. Big tech was/is up as people try and get a piece of the pie, but long term AI gains will be locked in as it is horizontally integrated across industries and small companies' margins jump. 

stratify-dev

Since you're getting different perspectives here, let me add some practical context: The overlap between VOO/QQQ/SCHD is real - you're basically triple-weighting Apple, Microsoft, etc. For tax efficiency in your Roth, I'd lean toward gradually rebalancing rather than selling everything at once (though in tax-advantaged accounts, this matters less). On international: historically, having 20-30% international helps with risk-adjusted returns. The US has crushed it for 15+ years, but cycles change. Something like VTIAX or VTI+VXUS gives you that global diversification without the complexity. The "keep it simple" crowd has a point too - 100% VOO isn't terrible at your age. Your 401k target date fund already gives you some international exposure anyway. Bottom line: any of these approaches beats not investing at all. Pick something you understand and stick with it. You can always evolve your strategy as you learn more. The consistency matters more than perfect optimization.

Heyhayheigh

Switch target date to sp500 fund. Put as much in there as early as you can. Don’t be afraid to do a little Roth 401k early on at your age. Ditch the SCHD. You can switch it later in that Roth when needed. Do at least 25/week VOO auto in a taxable in a place like Fidelity. It’s a good habit. Spend less, invest more auto. Don’t panic sell. That’s all anyone needs to know.

IllPresentation6939

Thank you I appreciate the advice👍should I sell out of all my QQQ and SCHD and move the money into VOO? Or what if I did VOO and then an international fund?

Cruian

A good number of SCHD is inside VOO as well. The 3 fund portfolio is a bit of a misnomer, the number of funds matters less than having 3 main areas covered (I can design a 3 fund portfolio concept using anywhere from 1 to about 7 funds with little to no overlap - your target date funds in the 401K is one example of the 1 fund setups). VOO could be used for the US role, but you'd have zero international (which can be beneficial to both returns and volatility compared to US only) and zero bonds or similar (which may be fine while young, if you can truly stomach the volatility of 100% stocks). One example (out of many possible) of a 3 fund portfolio using ETFs would be VTI (US stocks) + VXUS (international stocks) + BND (bonds).

IllPresentation6939

Thank you I appreciate the advice👍should I sell out of all my QQQ and SCHD and move the money into 100% VOO or just leave it? And going forward put everything into VOO

stratify-dev

You're doing great for 20! Getting that full match is priority #1, so good call there. Honestly, the advice about SCHD is worth considering. At your age, you've got 40+ years until retirement - that's massive compounding time. I backtested dividend strategies vs growth over long periods and the numbers don't lie: growth tends to win over decades, especially when you factor in dividend taxes (even in tax-advantaged accounts, you want maximum appreciation). That said, don't stress too much about "perfect" allocation. The most important thing is you're actually investing 15% total, which puts you way ahead of most people your age. If you want to simplify: 100% VOO in the Roth IRA isn't terrible. Yeah, it's US-heavy, but at 20 you can afford the volatility for potentially higher returns. You can always add international later as you learn more. The target date fund in your 401k gives you some diversification anyway, so you're not totally concentrated. Keep doing what you're doing - consistency beats perfection every time.

Cruian

I wouldn't use a single one of those funds. VOO comes closest, but I tend to prefer total market style over S&P 500 only. On including QQQ(M): Remember this has heavy overlap (over 80% by count) with the S&P 500 or US total market. Look only at the inclusion criteria, not past returns (as they’re a terrible way to judge future returns, at least in the way most people tend to believe). Do they make sense to you? Does it make sense to over weight these stocks based on the inclusion criteria of the index? They don’t to me, I view it as complete nonsense. On QQQ(M) and/or SCHD: * My take: https://www.reddit.com/r/Bogleheads/comments/16qosmi/including_qqqm_and_schd_in_a_portfolio/ * As Kashmir79 put it: https://www.reddit.com/r/Bogleheads/comments/16qo9u8/comment/k1ynubb/ * As engineer-investor put it: https://www.reddit.com/r/Bogleheads/comments/16qk8i4/comment/k1y480k/ * As Sea-Promotion8870 and ImaginationGreen3873 put it (read their comments from the entire chain): https://www.reddit.com/r/ETFs/comments/16e6rkb/comment/jzttlzx/ Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be "one and done," the only thing you hold. They're fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund. Did you happen to get your portfolio from YouTube?

IllPresentation6939

Unfortunately a target fund is all my employer offers that's why I only invest up to my match.can you expand on why I shouldn't invest in SCHD?

Cav829

QQQ literally up less than SCHD on the day. QQQ down 2% for the last 3 months. SCHD up 16%.

Cav829

I keep hearing Bears are cooked, but ya'll getting baited so hard. It's just more dumping tech and speculative stocks on retail while institution keeps buying bonds, oil, and staples as they're just waiting for the moment everyone finally figures it out. SCHD has twice the gains on the day as SPY. But do keep picking up those bags.

trsx5

SCHD and JEPI are a vibe rn.

Pocket_RPG

Ngl I watched SCHD slide at 25-26 for three months straight. I wouldn’t have seen this one coming.

Plane-Salamander2580

First time seeing actual options on SCHD.

Heyhayheigh

SGOV. SCHD. Some simple VOO. You will make more mistakes with that money than the cost of hiring a good pro. But first move is generally a Fidelity account and SGOV while you figure it out. That’s a panic sell, FYI. Best of luck.

ostuberoes

I don't think the short term return is relevant, especially for SCHD which is meant to be a long term retirement vehicle. The performance figures over the last 12 months aren't really relevant to the issue of tax drag. Anyway, over time, SCHD will be dramatically eclipsed by growth. Dividends compound if reinvested, but in a taxable account, each dividend payment is immediately taxed. That tax reduces the amount that can be reinvested, slowing compounding. In contrast, growth stock gains that aren’t realized as dividends aren’t taxed until you sell, so the full appreciation stays invested and compounds faster over time. Over a long horizon, this compounding effect can be huge. Even if a high-dividend fund outperforms in a single year, a growth fund with the same pre-tax return will almost always end up with more wealth in the long run, exactly because you can avoid the repeated annual tax bill. Taxes on dividends are a real cost that compounds against you. In other words: all else equal, growth generally beats dividends over long periods purely because it sidesteps tax drag. Short-term outperformance of a dividend fund doesn’t negate that principle. The point is, OP is too young to be falling into the dividend trap.

Competitive-Elk9326

SCHD hardly moves you probably want to try options on something more volatile

X_KOOK

lol wtfff options on SCHD this has got to be the dumbest post I’ve ever seen.

elpresidentedeljunta

He is paying taxes on the dividends, but not on the growth of the SCHD. It´s not like share price increases of growth stock would compound over time as his dividends do if he reinvests them, and they do so faster than the opportunity cost of the taxes. SCHD is up 13,35 % over the last year. Plus 3,62 % for the dividends he handsomely beats the 14,69 % the S&P made in the last 12 months - despite paying his taxes. Now this is a snapshot today, but he has found an asset that is less risky and currently better performing than owning the S&P. The comments demeaning him only show that some people are very quick to judge without checking the facts.

SegFault_RX

Long calls on SCHD was not on my 2026 bingo card

Serenaded

Idk why people are buying SCHD at this level. Even if you have 500k worth you aren't making near enough passive income to retire, eat, leisure and pay bills.

ridewithwill

18 years old....oh man if I would have done it over it again (I am 40 now) dont finance a car, instead drop that into an index fund. Dont worry about the crashes and money loss. You have YEARRRRSS ahead of you. Get out of the get money fast scheme, its gambling. I would drop in VOO/SCHD/VXUS equally - fast forward 20 years you will thank me

SteveStacks

Even SCHD took a dump.

wishnothingbutluck

How old are you? SCHD/ other dividends are for losers, unless you are over 50.

ostuberoes

I don't understand how you think that protects you from tax drag. Sell the SCHD and put it all in SCHG, the dividends are costing you money.

Edzell7

Look at it this way, you have saved over $5,600! That's a milestone. Reinvesting the dividends will lead to compounding dividends. Also I tell people to look at their return based on their cost basis not the current value so if you bought when SCHD was lower priced then your yield is actually higher since what you paid to get that yield is lower.

Aggravating-Sky8572

3.5K in SPY 3.5k in SCHD, 3K in GLD. Wait for 5 years to see the outcome

DeepestWinterBlue

I sold all my SCHD this year oops

ArchegosCapitalCEO

SCHD up 15% YTD? Holy rotation

Feltzinclasp5

Hello OP, I'm a CFA/CFP/CIM managing a pretty large capital portfolio. I'm not a psychologist, but I can give you some insight behind the psychology of money after having dealt with thousands of people from various backgrounds. Although money can invoke strong emotions, it is ultimately a tool of comfort. Having it won't make you happy, and not having it will not make you sad (as long as your basic needs are being met). Some of the richest people I've ever met are the most miserable. Some of the happiest live paycheck to paycheck. It sounds like whatever is going on in your life will not be solved with money. But one thing I've always tried to remember for myself is that; there will always be someone with more than you. As is often quoted in this sub "comparison is the thief of joy". The fact you even know what SCHD is and are interested in getting dividends puts you ahead of a large portion of the population. Most people have no investments at all, and even less understand what an ETF is. There's probably billions of less fortunate people who would risk their life for a small chance of living yours. Don't take it for granted.

SolWizard

Just get rid of the SCHD entirely

justcurious3287

As I mentioned upthread, I also own 16 shares of SCHG, planning to accumulate even more of that. In addition to my SCHD, I understand the importance of growth stocks as well.

Domefieldadvantage

It might just be time to hang up the cleats and invest in SCHD

alone-in-the-chat

U mean SCHD and BRK B, correct?

BeConciseBitch

Good work OP, I suggest reinvesting all dividends, as well as trying to get this into your Roth or traditional IRA. SCHD is a solid place to park money in those, you may not see risky growth but you won’t lose your head either.

Wickrest

My SCHD has overtaken my SPY lol

Moustachiou

Research ETFs and Index investing , set it and forget it. You are are18 years old, Penny stocks are basically gambling for you!!! that 1845$ could go to zero if fully invested in penny stocks. Look into SCHD ,VTI, VOO, REIT, bonds (BND) and diversify with like international ETF. You can also buy some individual stocks like HOOD, BE, PLTR, RBLX, Apple, Amazon, or Microsoft. Pepsi, KO, Solid business. forget about the bubble , market will adjust and correct eventually..... You could also consider Joby or Archer if you’re interested in emerging technology, but only after doing proper research. They’re still speculative, but way better than whatever you’re doing with penny stocks. For the love of God or the universe, whatever you believe in , sell your penny stocks and invest accordingly. With your high-yield savings account already in place, you can focus this account on growth ETFs and index funds instead.

trsx5

100k in JEPI / SCHD - and chill

Wings2493

Optimism? Any small or mid cap has been getting crushed and even extending to companies like Microsoft. SCHD is 10x VT lately

strupenheimerr

SCHD would be my best suggestion. 3.3% dividend but it's long term a good bet.

Internal_Field5970

SCHD up 15% ytd 

FarrisAT

What’s funny is the SCHD has a higher PE now than MSFT or META.

UnObtainium17

ytd SCHD = +15.35% VTI = +1.85% Might be the first time i've seen SCHD lead VTI by this much.

Ancient_Sort5820

SCHD and ASML are the only reasons im not drowning this year

TheRealArmament

Yeah it’s cooked chat SCHD boomer stock up 15% YTD pack it up

trsx5

SCHD and chill

flyinsdog

I have 2 holdings in my Fidelity account. 1/3 is 2 month T bills that I auto roll and 2/3rds is VT where I reinvest dividends. I do have a few other holdings (SCHG, SCHD, SCHY) in my IRA but that’s mostly VT as well. Am I missing out on anything? Not sure as the bogleheads and fire forums seem to promote this kind of investing.

grantern2

I can see why a billionaire would think money can’t buy happiness. $2million would make me the happiest person in the world. I’d invest it all in SCHD, make $75k/year passively, and actually enjoy my life instead of slaving away 40 hours per week during the best years of my life

newtownkid

Long hold on a lot of LUMN at $5, expecting big things from SLS (been there since it was $1.5). Gambling a decent chunk on POET. Holding a few other things but also weighting heaving in SGOV and SCHD because things are feeling funky.

bobby1128

I get the appeal of SCHD for the dividend focus, but VTI already gives you broad exposure. Since you've got the S&P 500 in your 403B, I'd personally keep a mix so I'm not leaning too hard on just dividends or just growth. That way you've got balance between income and long term compounding.

Areyounobody__Too

SCHD is arguably a defensive position if you believe in turbulent roads ahead, so the last ten years isn't a great indicator while you have chuds like Navarro on Fox Business today saying that the jobs report coming out should have us "revise our expectations down significantly for what a monthly job number should look like."

Crazy_Donkies

Not one tech company had bad earnings.  Essentially all beat.  The capex threw people off and many think tech is at the top.  People are cycling out of US and tech.  Which is very much why SPY is flat while SCHD, IWM, DIA, Canada, Asia and etc are way up. Look around.

3rdPoliceman

Favorite stock ticker? SCHD

guachi01

I'd just put the money in VTI or VT and call it a day if you aren't close to retirement. My current allotment: 66.5% VTI (all US stocks) 3.6% SCHD (mostly mid and large cap dividend stocks) 1.2% VXUS (ex-US stocks) 1.0% First Interstate Bank (I used to work there years ago) 0.3% DGRO (Dividend growth) 20.7% corporate bond funds (high yield that are averaging about 6.5% return) 5.6% 19-year US Treasuries (I bought them last year when they were 20-year Treasuries) 0.4% 0-3 month Treasuries 0.4% cash

Significant_Copy1266

Personally I wouldn't bother with SCHD unless you are specifically looking to generate cash for some reason.

Psa271

You could keep VTI for broad exposure and let your 403B cover the S&P 500. Switching to SCHD just for dividends is fine if you want income, but it might tilt your overall allocation toward dividend stocks.

SadColonial

Yep, focusing on growth early usually beats chasing dividends. SCHD can wait until you actually need the income.

leaning_on_a_wheel

With dividends you likely sacrifice growth for income and stability. Unless you’re already old it’s usually going to be better to focus on growth. Stick with VTI and rotate into SCHD when the income becomes important to you.

N00bT4ader

I had paired SCHD with SCHG and it works well for me.

Vig_Newtons

As a holder of both, it would make zero sense. SCHD has underperformed over the last 1,3 and 5 years. It's benefiting from the uncertainty but that too shall pass quickly. Hold VTI steady.

Crazy_Donkies

Don't know what to tell you. The writing is on the wall I'm correct.   Yes there is cycle out of some tech, but again, spy is flat despite this.  Meanwhile IWM and SCHD are way up.  Its clearly just a cycle out of high risk AI because of the FUD, despite huge capex.   Look at the bandwidth bottleneck trades.  They are all back to their recent highs. I will be buying any dips.  

Realistic_Part_7725

BRKB, VFWSX, SCHD, DGRO, VOO. If I w were starting today I’d just DCA into each of these at 20%. I also really liked William Greens book Richer, Wiser, Happier.

SalaciousSubaru

Buying PSLV, XSPI, XQQI, XBCI, SCHD, IAUI, IYRI

RudyJuliani

What drop? I sit in VTI, VXUS, SCHD… one day my vanguard holdings dropped by just under 2%, then they were up by 2% the next day. SCHD has been jumping. What am I missing?

gravescd

Some laid off tech employees cashing out is not nearly enough volume to account for the current market weirdness. The BTC selloff is happening alongside a broad rotation out of tech, a run up in precious metals, and rapid devaluation of the USD abroad. The entire planet is slowly turning away from both AI and US-centered trade/investment relationships. Just look at what happened Friday when the market bought the dip: DIA hit all time high while QQQ closed up, but below the 50 day moving average. Another bellwether: Conservative dividend ETF SCHD has climbed 15% since the start of 2026 - the steepest uptrend on its chart. And trading volume has been *increasing*.

No-Improvement3164

Something I thought I’d never say. Imagine buying Amazon when I could have bought SCHD.

rayb320

Growth QQQM/ SMH/ VGT/SCHG Broad market VOO International VXUS/ AVDE Small caps AVUV Profitable Smallcaps SCHD when you are ready for dividends These are the best funds to invest in long term.

Crazy_Donkies

You're making my head hurt for 5 reasons. One.  Makes no sense that every AI company popped 10% because of NVDA shorts.   Two. No one smart is shorting NVDA.   Three. The market is much more than PLTR and NVDA.   Four. The drop was clearly people cycling out of the AI trade.  SCHD and IWM and DOW are all steadily climbing but you didn't notice that. Five. Puts on PLTR is a bet against this administration.  You have chosen poorly.  The likelihood it climbs is much higher than it drops. You're cooked.  Enjoy your last week with money. 

boost-my-ego

They make around 40-50% of my entire portfolio, rest is Nvidia, TMSC, AVGO, SCHD, VT, and BKR.B. The percentage breakdown is the for the total position they three hold.

DodgeBeluga

Ive been buying SCHD last year for this reason. Right now Im rotating out of SCHD and buying back into QQQ. Is it smart? Who knows. Nobody knows shit about fuck per our lord and savior Ruth Langmore.

Either_Librarian7238

SCHD/G, VOO, SGOV, SPYI or SPYT, QQQI, GLD And any individual stock that you think have a good steady grow (required research)

Left-Cod-1281

SCHD...~4% qualified dividend... don't put it all there, but put a lot...

Double-Intention4308

* 44 years old * Currently employed ($140,000/yr) * 401(k) that is mostly in a target date fund, with about 40% sitting in a value fund, international fund, and mid-cap fund. All new contributions go to the target date fund. * Roth IRA that is kind of a mess because I've held it forever, but can be modeled as something like 80% VTI + 20% VXUS. * Only debt is my mortgage, which is 3.75% * Fully funded emergency fund (two years) I'm trying to be better with my money. Due to a rocky upbringing, I have a lot of purely psychological roadblocks when it comes to investing. I'd like to start putting more money into my taxable brokerage account, and I'm looking for advice on what I could do in terms of an "intermediate" risk profile that sits somewhere between HYSA/SGOV combination that I've been defaulting to lately and the portfolio I have in my retirement accounts. I've considered a mix of defensive sector ETFs (XLU/XLV/XLP) and heavily "filtered" ETFs like SCHD and VIG. I've also considered bonds, but after 2022 I feel like I don't understand the underlying mechanisms well enough to buy into that. Treasuries might also be an option. If anyone has any suggestions I'd love to hear them.

andyk_77

I don't get it... since the start of the year, SCHD is up more than 10%, and VOO is up 1% or so.

Accomplished-Dig1100

I actually do believe in MSTR long term I think there is a growing use for bitcoin hope* for bitcoin to take off Too much hopes in the air dude. I am not an expert but I started on small account lost and made money and lost and made money and lost and made. So SPY, QQQ, IAUM, SCHD, SGOV (40%) GOOG, MSFT, APPL, TSMC, META (40%) 10% Yolo on options and 10% high risk high reward stocks. Sell IAUM, SGOV when market tanks and buy other stocks equally. When made money on options during ATH keeps buying SGOV IAUM SCHD. And now my account dosen’t tank abnormally. Hope you do same

clarkent281

Carrying SCHD to glory

No-Improvement3164

Should’ve bought the DOW and SCHD like the rich boomers

pleasestoptalkin

I know you’re all wondering… yes SCHD is still pumping. Yes your boomer parents will be doing blow and hookers this weekend

Only4TheShow

1 year update on my last post about my portfolio: my investment has grown from $173,000 to $217,500. I’m now 36 years old Currently, I invest $150 weekly into SCHX. Whenever we experience a significant drawdown of 1-2%, I try to double down. I’ve made some minor changes, but nothing drastic. I got involved in the space industry and have incurred some losses, but I believe the future is promising, and I intend to hold onto those shares. SpaceX has my attention, but it might need to cool off from its recent IPO. Hoping this information can be helpful for anyone new to the stock market. It’s advisable to avoid options and let compounding interest work its magic. If you make a mistake with a stock, you have alternative options. However, if you lose money on options, it’s a risky situation.  SCHX seems to be a really nice ETF that holds 750 stocks compared to the 500 SPY. Running the numbers on both they are very close to each other on the 5-10 year. I prefer being able to build shares vs saving for a month to buy 1-2 shares of SPY. Anything I sell from my core typically will go into the QQQ, with new money going into SCHX. I am always looking for other ETF's to check out. SCHD I believe is great but that might be for when you are older and trying to preserve your gains. One day I hope to rotate into this more in my ROTH. Stay focused - RSI above 66 Momentum / (RSI below 33 Tanking EYES ON) (UPDATE $217,000 1 year): 35-year-old, Blue collar landscaper. I’ve been investing what I can since 18. Here's my current portfolio (worth $173,000). I plan on reinvesting for the next 20-25 years. My goal is to reach $1 million or retire by 45. I am open to any advice you may have. Thank you 💎

frosty_the_snowman-

Invest in SCHD

Neither-Bag7127

If you want a higher dividend, I really like SCHD. Although I would not consider myself a person of great knowledge.

Accomplished-Dig1100

IDK why people put alot of money into risky stocks for long term. I get you that Data Center stocks are hot but why port 80% portfolio into it? This is why asset Management course is needed for all investors or should have a asset manager help you with risk management. Always have 15% in VOO/SPY 15% in QQQ/VOOG 10% SCHD 10% Gold 10% Bonds 25% Individual Stocks like MAG 7 or Monopolies 15% (10% into future bets and less than 5% yoloing on Calls) This way you dont take heat during down turns and will recover steadily once market goes up. Sell gold and bonds when market is down and load up stocks.

c0horst

I feel like a genius for buying SCHD over the past several months since I was worried about the tech concentration of the SNP500, but yea, it's not like there's any specific move that seems obvious.

StatisticalMan

>Pairing with schd or something else good or stick to vt?? There is no reason to pair any ETF with VT. VT you own the whole global market (well technically a representation of it). You can't add any equity fund to VT and become more diversified. As for SCHD specifically, dividends are not free money. No need to add SCHD to any portfolio.

HellaReyna

No I disagree. As a Canadian I have a USD and CAD portfolio. My leveraged TSX portfolio hasn’t moved much the last few days, or it’s gone up. In my USD ports? My SCHD hasn’t moved but I realize it’s tracking the DJ Dividend100. I got a substantial position in NVDA and QQQ though, saw those crash. But overall I’m fine. All the loss porn on wsb and etc look like people buying leveraged ETFs, HUT, MSTR, BTC, etc. if so yes you got ran over by a truck. I’m gonna buy some SAP today though

Idaho1964

Nibbling at Software ETFs; more SCHD; not too aggressive. MsFT, AMZN, ORCL. Holding my ETH but may tax loss harvest it.

Aevaris_

The funds are fairly new so can only go back to 2011. But most common broad indexes can get you 6+% yoy on average since 2011:https://totalrealreturns.com/s/QQQ,SCHD,VT,VOO,VXUS