SCHD

Icy-Sheepherder-2403

VTI the best, SCHD the worst

whatamidoing8000

I definitely want like 70-20-5-5 in my Roth (VOO, VXUS, and Growth like VUG and then something like VYM, SCHD or QQQM) For taxable: 50% VTI and 5% dividend (SCHD) The rest: Tesla, Meta, Google, Uber, TSM, Microsoft and NVIDIA. I know VOO/VTI will be better in my Roth so it’s mostly for once I hit the limit on Roth.

whatamidoing8000

Thank you! I’ve heard a lot about VYM, SCHD and QQQM. I might pick one or maybe all 3. Ill see which has the most growth potential

bleezerfreezer

Agree 100%. For OP - some of the dividend funds I suggest for your Roth: VYM, VIG, SCHD, DGRW, DGRO, VNQ, QQQ. My favorite is SCHD. Great yield + growth balance, strong total returns. Its made me a ton of money.

rackoblack

Is this in taxable or IRA? VT for total world market. SCHD or VYM or similar for some defensive div plays. MLPX has good non-FAANG exposure that's got a good return (high div, best in IRA) O - Realty Income is still a solid five star buy at this level and gives you good diversity from the usual VT/VOO/VTI. Again, has high div returns. Eat the tax in taxable or buy this in IRA.

crazier_ed

Best I can do right now is a slightly out of shape twink and 10 SCHD shares...

InquisitiveBoop

Stop gambling. Put it all into ULTY and rotate weekly payments into safe haven dividend funds like SCHD and 3 others for 1 year. Once that's done, save payments into bonds for 1 year. On year 3, live off the money in bonds, while dripping all ULTY payments back into the fund. Don't look at ulty for the full year. Then for year 4 and beyond, forever rotate 3/4 ULTY payments into save haven div funds, while taking out 1 week of payments a month to live off of. After 5 or so years you should have about 5 million saved up. Possibly 10m, depending on how well ULTY is managed.

EcrofLeinad

Manually buy a set number of whole shares on my pre-planned schedule; re-evaluate every few years how the portfolio balance is doing and then adjust future buys accordingly (for ETFs like SCHB, SCHD, SCHF, SCHH, et cetera). Or just set up auto buy of a mutual fund (like SWPPX).

DegradedCorn75

Put it in SCHD. Reinvest the dividends. Forget about it. In 28 years it will pay you 7-8k per month. That will be nice.

wannabetmore

I moved over like 10 years ago, and somewhat ironically, I DCA into SCHD twice a month.

Far_Lifeguard_5027

QQQM is going to be 100% tech. SCHD is going to have all of what's in QQQM but is more large cap heavy than VOO, so I'm not sure you need both. I'd go with something like 10% QQQM (tech growth), 40% VOO (S&P 500), 30% VXUS (Total international), and 20% of Russel 2000 ETF like IWM, or a small cap ETF like IJR/AVUV/XSMO/VIOO to offset your large caps and get some small cap exposure. I have an indexed annuity, and my CPA set me up in these 4 markets: QQQ/VOO/VXUS/Russel 2000. So it seems appropriate to have exposure to growth, blend, international, and the bottom 2000/small cap stocks.

SegaGuy1983

Advice for investing for three children? After a really stupid custody battle, I'm finally getting child support. I have three children (13, 10, 8) and I'll be able to put away $100 for each of them each month. My idea is to put $50 for each child into a savings account, and the other $50 Into something like Schwab's equity funds (SCHD or SCHG). I've managed to start them off with $75 each in their savings accounts before support kicks in next month or so. I need to add that the 10 year-old is mentally disabled and there is a real possibility he could be living with me or his mom for the rest of his life. Is this a decent plan? Do you have any other suggestions on what would be a better way to invest? Or should I put some of that support money towards hiring an investor to watch out for them?

Bob4Not

I don’t sell, but I do change when and what I buy. I have dramatically slowed my VOO buying and shifted into more defensive investments, including FDVV, SCHD, VYMI

alone-in-the-chat

For the long term is a good call SCHD??

CathyBikesBook

Personally, I prefer brick and mortar banking to online banking. I like being able to go into a branch. Online banking is convenient, but that convenience comes at a cost. As far as the stock for brick and mortar vs Fintech banks, many brick and mortar bank stocks are part of broad ETFs or you can buy the individual stock. Across my portfolios I have some brick and mortar stocks that are part of ETFs ( SCHD and VOO both have financial stocks in them) and I have a position in a dividend paying brick and mortar stock. SOFI just went up to $20 per share so I may have missed the boat on that one, but I'm also looking at $ALLY, $PYPL for the Fintech stocks.

timeforachangee

SCHD seems a crowd favorite on r/dividends I am not a dividend investor so I don’t have an expansive knowledge on them. I stick to VOO and chill for 90% of my portfolio

killadaze

SCHD pays a 4 percent yield, chevron 6.5, McDonald’s, Pepsi, Coke. Once can spread across strong dividend names and net at least 5%. 5% of 4 million is 200k a year. Close to 20k a month.

Cute_Win_4651

O pays a monthly dividend and has increased for like 25 plus years, ARCC is pretty much the top BDC company out there and pays like $0.48 dividend like 8% , and SCHD is like the top dividend growth ETF if your wanting dividends look at these, cuz I did like quick math for SELF and to hold 100 shares is going to cost like $536 with a $0.073 dividend so it pays about $7 a quarter you’ll get maybe 4/5 shares extra per year but $536 into ARCC @ $22.50 is about 23.7 shares with a $0.48 divided that’s $11.37 per quarter and in O for the same price you’ll get 9.4 shares that pay a monthly dividend of $0.269 so about $2.42 x 12=$29.05 but it’s a top REIT you may want to look into them but SELF doesn’t seem bad for like extra cash maybe also look in NAT

Cute_Win_4651

I’d rather go with O or ARCC, or SCHD

Otherwise-Singer-452

ticker O is basically guaranteed dividend income and covers cost of inflation with some growth even, alot of older people with alot of money that want to park it somewhere and let it compound will put a fair chunk of it in that, technically if you want the safest investment theres nothing safer than buying the entire market to so thats why alot of people will be in VOO or SCHD and make millions in decades you can buy all of those on robinhood

Elemental_Breakdown

I don't know how to gamble on futures, and I don't have the money for it, but I made about $300 so far since October buying the dip on VOO, SCHD, and ironically I accidentally bought SCHF once trying to buy SCHD and it's up the most of any stock. 300 smackeroos in the green baby. I shoulda gone into finance, "I coulda been a contender". Envy truly is the thief of joy. Ok, just found out my public servant job $2000/month insurance is going up 38% this fall. Speaking of falls, anyone know where there are any particularly high cliffs in NJ? 🤣

therobshow

Whats your end game? You've won. Switch to SCHD. Live on over 200k a year in dividends and never even draw down. There's no need to play more. 

adamcapital

7 of your 13 positions – including AAPL, AMZN, NVMI, SYM, VOO, SCHD, and VB – have high beta to one another due to overlapping tech exposure or broad market correlation. This increases your portfolio’s concentration risk. You might consider diversifying a bit more into stocks or sectors you believe in to balance that out. Check out Ray Dalio's "Holy Grail." *Not financial advice – just what I’d do if I were in your situation.*

greenpride32

If you look at the chart today for SCHD and many individual dividend paying stocks, it all looks the same, along with VZ and GIS. Even broader VOO appears the same. It's primiarly tech and engergy on my radar that broke that mold today. In a vacuum sure the company loses market cap by exactly the amount they pay in cash dividend on ex-dividend date. But stocks don't trade in a vaccum.

kingshuk3

Your core ETFs VOO SCHD, etc are good and the AMZN /AAPL ratio is reasonable. SRPT and RENT are volatile, so you can gradually reduce your positions. If you are going to use the money in 5-10 years, increase your cash or bond ratio and consider adding a little international ETFs to diversify your risk

Beneficial-Demand-43

anything to look out for these next few days/weeks that can push or pull market, any conferences? Seems crypto is getting pushed and market has been green but also feel as if right now market keeps going up and up that we have to be due for a dip eventually. Want to start diversifying a bit more and expanding beyond SPY, SCHD. I don't do option trading

zooka19

Not a single stock, but FUSD.L dividend growth rate hasn't really improved much over the years (30% of my portfolio), it's had decent growth since (77% on 5Y). Similar screening to SCHD but they've thrown 30-35% tech into it in the last year or so.

Additional-Pop9444

Solid choices. A well-rounded 3-4 ETF combo that many people use includes: VO0 - broad S&P 500 exposure QQQ - for heavier tech/growth exposure SCHD - solid for dividends and stability VGT - if you're looking for a concentrated tech play Some people adjust the weight depending on risk tolerance, but those four give a nice blend of growth, income, and diversification. Weekly investing into a mix like this can really compound over time.

banneddumpling

VOO and SCHD? You absolute pussy!

BlightedErgot32

until jpow cuts rates… just buy SCHD

benhurensohn

> Not a bear. I own positions in VOO and SCHD. Of course

NeverAppropriate

7k in a Roth, the rest 60% in VOO / 20% QQQ / 20% in SCHD. Next year - 7k in Roth, 60% in VOO / 20% QQQ / 20% SCHD The year after that … 7k in Roth, 60% in VOO / 20% QQQ / 20% SCHD The next year? You guessed it.

pancake_gofer

VGT, ASML, MGK, SCHD, PPA. In a separate account I have PLTR.

BrewerCollie

It depends if you think AI, GPUs, and modern tech are an overhyped bubble or will tech continue to outperform? I believe tech will continue to outperform and since I am only 31, I will continue to aggressively invest. As I near retirement, I will shift to options like VT, SCHD, and bonds.

Gullible_Tae26

Thank you I’ve been studying hard, I do pick up S&p and SCHD 50/50 in my Roth but I have been considering adding in a bit to the main portfolio as well

BorisAcornKing

I have recently (a month or so ago) exited a number of positions and bought back in, as I needed to adjust my portfolio for a down payment on a house, and am migrating over to more of a dividend portfolio. AFRM (+50) FEZ (Euro Stoxx 50 ETF) (+4) SCHD (+3) (new within last month) BBD.A (+50) (new within last month) COF (+20) (new within last month) TECK (+13) (new within last month)

AdLive6348

Thanks for the honest reply. I invest in very dull efts through my 401K. Honestly I have kind of gambler tendencies as well, but I like seeing the swings of stuff. I’ll probably continue buying shares of MBX and then maybe some SCHD, but penny stocks to me seem to be interesting because they are in fact volatile. I’m trying to dip my feet in tbh while passively investing in other areas. I’d rather not throw money away but at the same time I wouldn’t mind taking some lumps.

TheWatchman1991

Visa 18% VOO 9% SCHD 6% MSFT 4% GOOG 3%

desi_cucky

Simply invest 100K on DCA auto invest over 3 years in SCHD. Put 75K in QQQ and 75K in VOO with same 3 or 4 years DCA duration. With ETFs you will safe and compound over rest of your life. Get a good paying job. You will have approx 5K dividend each year with above split. Open ROTH and try contributing 7K by year end so there too you grow tax free. **NOT A FINANCIAL ADVISE.**

scottyk318

My top positions are... SGOV SCHD VOO QQQ NVDA

Heyhayheigh

Sorry for your loss. Find a trusted advisor. Take your time. SGOV and some SCHD while you find the right fit. It is not just about your mom. But the legacy after her. Best of luck.

Walden_Walkabout

AAPL, MSFT, QQQ, SCHD, VIG I have started moving away from individual stocks and focusing on ETFs. That said, I have a rule to not bet against Microsoft and Apple, so I haven't sold them off and they remain my largest positions.

newbienewb101

JEPI, SCHD, AAPL, FEPI, JEPQ I need the income to supplement my unstable business income. NVDA not too far behind and I betting on some NVDY to give me some more dividend income.

jazerac

1. BIL 1.1mil 2. NXP 850k 3. SCHD 840k 4. VTV 750k 5. A tie between a dozen other funds but got close to 600k on Google and 550k in VDE for some swing trades.

Heyhayheigh

Too young for SCHD. Max your 401k pretax you’re likely overpaying taxes. Ask chat gpt to explain to you. Use SGOV instead of HYSA so you can see comparing to benchmark (see what your conservative approach has cost you). You’re doing awesome though. Have waaaayyy more than I did at your age. But you asked for constructive criticism.

flyingbunnys

SCHD, SCHG, and SCHF with SCHE sometimes.

Investoid

I will give you mine just so you have different input from someone who has been running the same thing for 15+ years. I am 45 years old. 90% stock, 6% bonds, 1% short term, 3% 3 month treasuries. For the primary ETF blends I just have VTIAX (international)15% and VTSAX (US)70% For fun I have SCHD which used to be some random stocks I picked years ago, but eventually all the money ended up in SCHD. In the last month I picked up 1k in 3 month treasuries under SGOV. I try to keep 4-5 months of expenses in a high yield savings account for emergencies. The SCHD isn't even necessary but I like watching it, so I could just move that money to VTIAX someday as its just for fun. The performance from 10 years ago(2015) until today is about 12.00% per year without me doing anything except add to it. This includes most of the market crashes. I believe I started investing a little after 2009 but the impact of this setup wasn't noticeable until 6 or 7 years later. SCHD is slightly down as I made that adjustment only a year ago. It only represents like 1% of holdings. It is what people would consider a double exposure since I am technically holding a broad ETF that already covers what it holds making it kind of pointless but I wanted yet another account somewhere I could withdraw funds from that wasn't the main account...was my thinking. I don't have any really fancy plans, just to coast until retirement in another 25-30 years doing the same thing.

ElCobrador695

First put 7k into your Roth IRA. SCHD, JEPQ or a mix of %. Start building that dividend portfolio and let it ride in there

InvestmentAdvice2024

SCHD, SCHX, SCHG, VXUS - SWVXX as well for cash savings.

beat_the_level

I put most in VOO, SCHD during the crash and some in nvidia when it went really low.   Nintendo I'm holding to Christmas, almost doubled my money from original investment.   Nintendo will go down after the holidays.

Wariat81

You're still very young, and there will always be fearmongering, just like there has been for decades. I think you're doing fine, although personally if I was 27, I'd go more aggressive than SCHD

MoistPM

Imagine being invested in SCHD and gooning over their flat performance for the fifth year and paltry dividend increase.

ServerTechie

Timing the market is hell, so let’s just get that out of the way. You say most of the split is US equity, my advice is buy a whole lot of foreign equity. It’s doing well now as the USD loses value and US policies shakes things up. If you need something to sell, start with SCHD shares, you’re too young for that anyway. If you sell all of SCHD, leave some cash on the table. You could use it as to buy the dip if you believe it’s coming, and lower the cost basis of SCHG. For myself, I sold nearly everything in my Roth in Rollover IRA and it was foolish and emotional in hindsight. Thankfully I bought back in not long after but with a more strategic portfolio than I had before. I’m about 38% foreign equity now, and I have about 10% in an ultrashort bond fund in case I need to buy a large dip in the future.

WeAreBorg_101010

Truth on these CC funds will be how they perform in the next bear market, since upside growth is capped and with IV drops the payout drops they could get crushed compared to plan old voo or qqq. That's why I only hold a bit and only because I think we are mid cycle bull right now. Think what's a more interesting matchup is say voo vs dgro or SCHD. Will a quality dividend growth fund beat voo over a long time frame, perhaps. Probably not qqq though unless we have a big tech bubble.

ArthurDent4200

It definitely wouldn't be SCHD. I bought some last year to compare to Fidelity's offering as well as mm funds. It is doing poorly.... Art

Specialist_Reply_820

HYSA or invest it into ETFs like VOO or SCHD and let it sit.

Daily-Trader-247

I picked many of them because they did not use leverage OR their holdings are mostly the S&P500. GAB's holdings seem defensive in nature similar to SCHD ish My goals are like most are not to loose money and to make a dividend of 7% or greater.

No_Cow_8702

SPY and SCHD w/o dividends included beats AMZN?

UnderstandingSea4745

We can keep it simple though. Op is looking for growth. SCHD is good for passive income if you have a fat stack and close to retirement. VTI is good for growth and you don’t pay taxes on dividends that either go to drip or cash. I anchor with VTI. I go max 5% in IWF, 5% in utilities and Ive picked up single stocks that perform well over the last 10 years. If something stops performing i sell and push it back into VTI where the majority of my portfolio is anchored. If youve been in VTI over the last 5 years, youre up 94%. Pair that with companies like apple, amd or amazon and you have a nice portfolio.

yrrag1970

I have a ton of SCHD and I balance it with VGT and VOO. You have to go back to understanding why you invested in SCHD to begin with !!!!!

greenpride32

>I read on Twitter/X and ZeroHedge we got a lot more room to run for tech. That's all it took for you to change your mind? I'm sure if you search a little more you'll find counter arguments. Do yourself a favor and look at the long term charts for SCHD META GOOGL and QQQ (use QQQM for lower expense ratio - but lower liquidity compared to QQQ). What you're going to find is that these equities have increased over time, by a lot. For you to have captured these gains, you would have needed to have owned them for a long period of time. You might be thinking, it went up, then it went down, back up and back down. And if you got in and out, in and out, you'd be rich in not time, right? Anybody can look at the past chart and tell you the exact bottoms to buy and exact tops to sell. Nobody can tell you those points in the future. TLDR - Identify strong equities - buy them and add to them over time. If you aren't willing to put in the time and effort to keep track of individual companies and want the low effort approach, just stick to ETF's such as SCHD QQQ/QQQM VOO. The fortunes of individual companies can and will change over time.

McKnuckle_Brewery

30% of your portfolio is in straight up cash (money market), so yes - that's got to be invested at least in something with higher yield and less susceptibility to rate cuts. But with that aside: Withdrawing is more nuanced than accumulating for sure. There are so many ways to structure it. And you ask fundamental questions about your allocation that again, are so open ended that you'll just get a pile of random opinions. It's important to research the asset classes you mention, understand them, and decide what you are comfortable with. The transition from pure growth to a more diverse portfolio consisting not only of stock index funds, but also dividend growth and dividend income securities (these are categories), plus bonds, is a journey - not a simple step. This being said, I'm retired 4.5 years and here's what I do. My portfolio is about 71% equities and 29% bonds, mostly corporate and high yield. There's 4% cash embedded in the 30%. My equities are comprised of 40% growth - index funds and tech - plus 19% dividend growth (classics like JPM, XOM, PG, JNJ, SCHD, numerous others) and 12% higher yielding dividend income (JEPI, ARCC, PFFA, etc.). I have 75 individual securities which is a lot, but I am an active investor who enjoys this as a "pragmatic hobby." I've set up my portfolio so that the total dividend and interest yield approaches a full 4% withdrawal. At this writing it's at 3.75%. In other words, I can pay for my expenses without selling shares. My highest yielding assets are kept in IRAs so that I can decide when and how much to withdraw. My taxable accounts hold a blend of growth and dividend growth. I take all dividends there as cash and have them deposited into a money market fund from which I pay bills. There's so much more to talk about, and I don't want to be overly verbose so I'll leave it here. If you want to explore some good intelligent content on income investing, check out Armchair Income and DividendBull on YouTube. These are mature, articulate investors (not Gen Z influencers).

Squatch11

> until I realized that VOO wasn’t risky enough for my age (22) Lol, what? > I felt Oh no. I'm not looking forward to what's coming next. > With that fund, I thought, why not pair SCHG with SCHD? A lot of people do this. > So here is my final approach (it’s not perfect, not for everyone, but it evolved naturally as I learned more about investing): It doesn't need to be "perfect". No one knows what perfect is. No one can predict the future. Just invest, stop looking at it, and check back very infrequently. The fact that you're only 22 years old...I'm going to go out on a limb here and say the more you look at it, the more you're likely to do something stupid that you'll regret. Just set it and forget it. You'll be fine all in VOO. You'll be fine with your current allocation. You'll be fine in just SCHD. You'll be fine in SCHD and SCHG. Stop over-analyzing this and just invest and forget about it.

shephard7374

SCHD

italian_mobking

Why not just yolo it into SCHD and live off the dividends forever, instead?!

yrrag1970

You can always balance it with SCHD

corndog_messiah

I was in SCHD before it was cool

Unusual-Crow1891

And? Stick to buying VOO or SCHD if safe investments are what you want buddy. I’m sure you’ll retire quick with those.

solariac

Anything that has run up a ton these last 3 months is getting hammered. Rotation into safety (WMT, BRK, GLD, AAPL, XLU, SCHD)

PassiveF1st

my very large amount of SCHD appreciates it too :) Also, all that DRIP from yesterday's dividend payout is hitting.

yaris205

SCHD is mooin 😂

Tricky-Ad-6225

I know you eluded to this but: 401k is in the market. It’s just highly diversified, US companies, International Companies, Bonds, and some other stuff. Just place your money in VOO, VTI, QQQ, SCHD, and some other ETFs and it’ll essentially be your 401k except probably a little better returns.

Paccp

Stop day trading and yieldmaxing. Build a solid foundation of safer ETF's. If you want to generate more income with some added risk SELL options (do not buy them) with 100k you could sell options on SPY or QQQ but you will generate less money than single stocks. Regardless I would start by building up a safety net in VOO, SCHG, and maybe some SCHD. Maybe take 40k and split it into these 60% 30% and 10% then take the other 60 and use it for selling options on spy or qqq. Take the options premiums and throw it into sgov or more ETFs. Options selling is less risky than buying but you still need to not be a jackass. Dont sell calls below your cost basis and dont sell puts on something you dont wanna own for 1-3 years min

Fangore

I have the EXACT same story. Only different is my portfolio is VOO, QQQ and SCHD.

Fun-Sundae4060

VOO VT QQQM and SCHD basically all overlap with each other. You can condense into just VOO pretty much or QQQM for NASDAQ. Diversify into multiple asset classes such as gold, long dated US bonds, and managed futures. They should be a small percent of the portfolio. If your equity exposure is too low for your risk appetite you can use LETFs such as SSO/QLD (2x) or even UPRO/TQQQ (3x)

Darth_Candy

Lots of overlap between all of those funds. It seems like a bit of a conflicting thesis to hold QQQM and SCHD.

Ir0nhide81

Is LMT still part of SCHD ?

ptown2018

Diversification is part of risk management and risk takes various forms. Market risk, risk of default and risk from inflation are your main ones. Lower credit rated bonds have higher risk of default, long term bonds lose value if interest rates increase and dividend and other equity based income has market risks in addition. Short term bonds and money markets are the safest and should be held to cover your short term cash needs, equity based income has market risk but if you can hold for two to five years then you can ride out market swings. I am retired and keep about two years of withdrawals in my safe income bucket, I have most of my income bucket in riskier things like SCHD, JEPI, O, ARCC and smaller amounts in SPYI, QQQI and JEPQ. Tiny amounts in BTCI and MSTY to watch and learn these newer types of investments. I feel the diversity mitigates the risk and my small pension and SS also function as low risk fixed income. Spend some time learning about any investment, don’t just rely on internet self described experts.

As1esGyo

Growth + dividend grower: DGRO Dividend King: SCHD Growth + compound: VOO or any SP500 ETFs Crypto: IBIT or ETHA Others: VTI and VXUS DO NOT PUT IN ANY YIELDMAX ETFs. HIGH FEE AND LESS RETURN. I DON'T CARE SOME1 IN YOUR FAMILY TELLS U TO DO IT. DON'T DO IT.

imtiNation

If everyone knew this, everyone would be rich. Pennystocks are extremely volatile, if you really want to invest rather than continually blow up your account searching for a holy grail of 3x, invest into VOO, VAFTGAG, SCHD, loads of ETFs for long term and allocate 10% of your portfolio for penny stocks.

False_Comedian_6070

I started investing in my mid to late 40s as well. Since I don’t have a lot of time I don’t invest conservatively at all (I’ll either have the money in retirement or I won’t) so I avoid bonds, high dividends and large value. I invest heavily into tech because it has doubled the performance of the SP 500 over the last 30 years. Tech is very volatile but if you can get extra cash and invest when it’s down it will have even better. I have more faith that it will outperform everything else over the next 20 years. A very risky portfolio that has been recommended to me: 20% SPHQ, 20% SPMO, 15% XMMO, 15% FTEC, 15% IGV, 15% SMH. This will cover you in all phases of the market cycle but you’ll be betting on US outperforming international long term. I think that’s a fair bet because if international outperforms over the next 20 years you’re screwed unless you invest 100% international. So bet one way or the other. This portfolio will either get you the returns you need to retire in 20 years or it will do poorly. But in my opinion some money is the same as no money if you can’t retire on it, so it’s worth the gamble. At or near retirement if you have enough money built up, switch to 25% AVIV, 25% SCHD, 25% VOO, 10% SPMO, 10% FTEC, 5% XMMO. I’m sure 99% of people on here would disagree with me, but most of them have the luxury of taking a more conservative route and coming out on top no matter what happens because they either have more time or money to invest. Any other suggestion will work fine too if you have at least $2500 to invest every month.

roberttootall

SCHD

TestNet777

I wouldn’t listen to the SCHD haters. It’s a good hedge to hold. It should have smaller drawdowns in bear markets. But at age 26 I wouldn’t go 30%. If I was taking your approach at 26 I’d be 40% VOO, 40% VGT, 10% SCHD. Every 10 years, shift 10% more to SCHD or a similar type of fund. I’d completely avoid crypto. Until it is proven that ANY crypto does literally ANYTHING it will be an asset that is driven by pure speculation only. Personally, would never put 10% of my portfolio in that. Either way, good luck.

Far_Lifeguard_5027

SCHD has taxes on qualified dividends at tax rates of 0%, 15%, or 20%

Phil_Fowler

Forget quick investing. Put that in VOO, or QQQM, or SCHD if you like the idea of dividends and do it every month for a couple decades and you’ll be good and you’ll thank everyone who told you to do so.

Apprehensive-Fun5535

SCHD is a popular fund for dividend stocks with a history of dividend growth over time.

Stonktraderr69420

I personally do $300 in VOO. $250 in SCHD, and $50 in FSPSX (international mutual fund). I sold around 15000 VOO before the election so have been averaging back in slowly and just going to wait. This is for my Roth Ira. (I am not a financial advisor, all investments are subject to market loss).

Indep-guy

Plus, "cash" is usually not specifically cash, its short term bonds type stuff. VUSB will likely return over 5% this year. I have about 70% in that, and 30% spread across international etfs and SCHD. Will likely do fine this year, and have money ready to put in on big dips

evogile

I never stoped buying individual stocks, I just invested proportionally just like VOO did based on it's weightings, not all just the first let's say 30-40 stocks and it went great. Besides VOO I do the same with SCHD aswell which is a much smaller ETF holdings wise.

Molasses9682

And I much rather be in SCHD then bonds

SmallCapsOnly

I’d argue that an ETF like VT is the market bench mark as it encompasses the entirety of the world market. VOO is just the US part of that market. I’m not against what you all are saying but SCHD might make more sense for someone who wants to taper the amount of volatility they see while still earning more than enough in returns. Since SCHD is focused on dividend earning companies and those companies have a bit of defense in recessionary periods. Majority of retirement plans need little more than a 4-5% return on average for the entire life of the individual.

1have2much3time

S&P returning less than NVDA is a ridiculous statement as it has nothing to do with the conversation. If SCHD performed like NVDA has, then it wouldn’t ‘be dog shit’ as the OC put it. An S&P ETF like VOO should be considered the base performance in the market because it is about as safe as it gets when it comes to stock investing. If a security returns less than the S&P, then it performs worse than the safest option and you should have just had that money in the S&P. If it returns more than that over time, then it was a good investment.

SmallCapsOnly

Yes and the S&P has returned less than NVDA SCHD helps diversify differently than S&P and returns equivalent gains.

DekeJeffery

For a young person, the right amount of SCHD would act essentially as a bond in their portfolio. I don’t see anything wrong with it, just don’t go all in on it.

Beetlejuice_hero

This really shouldn't be downvoted (I voted you up). It's a perfectly fair question and people should assess whether dividend investing is right for them. Relevant detail: the most brilliant investor in history has openly and deliberately eschewed dividends in favor of buybacks and reinvestments in the businesses. And last I checked BRK stock has done pretty okay since its inception. I used to be all about SCHD. It's been utter shit compared to SPY in modern times.

xploeris

I'm almost half in a mix of cash, STIP, SCHD, GDX, and SPY puts - stuff that will weather a downturn (and sell easily), and the puts will print money if I'm right about the second half of the year. The other half is trying to milk short term gains out of the current irrational exuberance and stuff I bought on sale that I think will age well, even if I have to hold it through a downturn.

slamajamabro

At your age I might do QQQ with VGT instead and take out SCHD totally

Gringodrummer

Max out your Roth. 7K per year. Invest in S&P500 efts. If your employer offers a 401k with match, do that too. If you have money left over after that, open a brokerage account and invest more. For me personally, my Roth IRA is all voo and SCHD. I use the brokerage account to buy additional single stocks and QQQM.

GetCPA

I haven’t heard SCHD in a while, forgot about that dog shit

AustinLurkerDude

I'm similar except occasionally swap out VOO for VTI. I have too much SCHD, unless you're 5 years from retirement you shouldn't hold it because the gains/dividends terrible vs VOO. Bit of a mistake to buy into. However, I own SCHD cause its got a psychological benefit of generating cash and doesn't drop as much in a recession.