SCHD
Schwab U.S. Dividend Equity ETF
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Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?
VIG and SCHD, which one should be in my retirement and which one should be in my regular brokerage?
Hypothetical Margin dividend investing (currency exchange + loan)
Anyone in the know about Mission Square retirement(MSQ)?
Late to the party and new to dividend investing. Let me know what you think of my mix. I know I have overlap and probably too many, so any suggestions would be greatly appreciated. JEPI, JEPQ, JEPY, QQQY, SPLG, DIVG, SCHD and YYMI.
Investment choices for Backdoor Roth IRA from broker
What are some funds that are good for the long term?
Roth IRA investment, 45 years old, VOO AVUV SCHD .. Suggest me please
30 year old. What's got the greatest possible potential for returns? TQQQ?
Now that 2023 is coming to an end. Let’s hear your biggest loss story…
Dump in large amount or slowly add into holdings?
When opening a Roth is there any difference or benefit to opening one with a more traditional more established company (Fidelity, Jp Morgan, etc) compared to one like Robinhood?
Investing brokerage accounts for my kids and nieces - best course of action?
Will shit hit the fan in 2024?
What fund would you add to my portfolio to start easing out of bonds?
What are your thoughts on this Roth IRA portfolio breakdown?
100% VOO vs 33.3% VOO, 33.3% VUG, and 33.3% SCHD?
Should I buy Take Two Interactive stock low (company that makes GTA VI) and sell upon its release?
First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution
Why not sell VOO/SCHD type of holdings when they’re up?
If the price of underlying assets rise, does the price of an ETF like VTI also rises?
What foreign stock should I invest in my IRA?
Thoughts on investment portfolio that I'm considering?
50/50 SCHG and SCHD a good plan for 30/yo DINK (kids soon)
Instead of purchasing a home - investing in a high dividend yield stock?
Got Stuck Holding 220 TSLA shares at $296
45 y/o way behind/ mistakes made/ ex screwed me/ catching up/ should i give up
Are you planning a strategy change for nearing retirement?
Down 11% on taxable account. Planning on buying a house in the next 2.5-3 years. Should I sell or change strategies?
33% SCHD, 33% FSKAX ( Fidelity US Market Index ) 33% FSPSX ( Fidelity International Market Index ) at 21 years old for standard brokerage account?
How can I tune my portfolio in the future or now to help keep up good growth?
Why not S&P all the way? Why split between total market and the S&P?
Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice
Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it
2 year portfolio in my mid 20s any advice is appreciated.
23 year old looking for advice on where to place short term savings
I need a recommendation for a fund for the long term
Vanguard roth won't let me set up auto investment to SCHD
Mentions
SCHD at zero gain YTD rn
are these index funds? Do you use Schuab or Vanguard? What about? QQQM SCHD SPAXX
VYM pays dividends quarterly. In 2025, they have paid a total dividend of \~$3.5008, which when divided by the current share price, equals the yield of \~2.45%. SCHD also pays dividends quarterly, so you can do the math. The 30 day SEC yield number you often see is related to dividends, but represents the net investment income (interest and dividends from the fund's holdings, minus expenses) earned over the most recent 30-day period, annualized (projected as if that rate continued for a full year), and expressed as a percentage of the fund's current share price (or net asset value) at the end of that period. There are ETFs that pay monthly dividends, if that's your objective. You need to do your own research and choose the ones that meet your risk profile.
No catch. People work, people make money, people invest in their retirement accounts, many of those accounts go into the S&P 500. Those who have decades to retirement and put it all in an S&P 500 fund will likely outperform many other strategies including those “safer” approaches to mix in some SCHD and VT or VTI.
Depends on the circumstances. Impossible to time perfectly, but momentum trading allows you to snipe on the upside. I watch a few tickers that are volatile TGB & GANX have made money for me lately. Others I keep long term and just buy on a regular schedule GLD has done well for me. I do own VOO & SCHD as stalwarts.
Silver is getting insanely risky at the moment as others have mentioned. The last time we had a run up on silver to this extent, the market crashed hard (look at April 2011) and didn't recover until this year. I'd stay away. I don't know why everyone is telling you that you're crazy on SCHG. For starters, the dividend yield is so low I wouldn't even bring it up in a conversation of dividend holdings. Like SPY, VOO, VTI etc. pay dividends, but something like SCHD is what you would look for a dividend holding. I think people are also not noticing that SCHG has outperformed SPY/VTI/VOO type index funds over the last decade and has even outperformed QQQ recently. That said, do understand past performance can become easily conflated with future performance. The reason something like VOO or VTI works best long-term is because of it's unbiased how it works. SCHG wasn't fully tested in the last extended bear market since it was formed in 2009. So I would look at a mix of an index fund and SCHG if you wanted to that way.
/u/SirGlass covered diversity quite well. If growth is your highest concern then 100% in SPY/VOO is the way to go. If you are trying to increase dividends share at the expense of capital appreciation then you can do something like 2/3 into SPY and 1/3 a broad dividend fund like SPYV or SCHD. If you are merely trying to smooth volitilty/ decrease risk a Bond fund like SGOV can take a portion of your portfolio instead.
SCHD one of my biggest regrets. At some point when returns lag that far behind your safety is eaten up in lost opportunity
True, but I want more diversification. Maybe some VGT/SPMO and SCHD
Tech beta cuts both ways. I moved part of my portfolio to VOO/SCHD for stability. Were you overweight tech before the drop?
Set up a barbell approach. Have a stable side and a growth side. I have Tech/AI——SCHD/SCHY and just keep DCA and go up and down with growth but the other side will stabilize. How far are you from retirement… that matters of course
I'm probably up around 6% if you include dividends. My portfolio tends to follow the performance of $SCHD - since that is about 40% of my accounts. I also have 12% exposure to S&P 500 with $VOO.
No worries. I made a bunch of mistakes picking funds and stocks when I first started. I bought different REITs and individual tech stocks that ended up tanking. I finally decided to make it simple by investing in the broad market through index funds. Most of my investment is in VTI and a bit in VYMI, SCHG, and SCHD.
SPY is more optionable vs VOO and that is the only reason I would buy SPY over VOO. Check the expense ratio and overlap of all the funds you are considering and read the prospectus for every fund. Idk much about DIA but it doesn't look like it has many holdings. I'm a fan of SCHD especially in a falling interest rate environment even though it seems to get lots of hate for lagging the total market it's still a part of my portfolio. Also idk wtf that other guy is talking about, SCHD doesn't use any option strategy in the fund and I had to go back and look at the prospectus again to confirm that the claim is total bullshit. That's another good reason to READ the prospectus yourself
I used to have some VTI. Wish I would have held on to it. Can you explain a little more about SCHD? It pays basically a dollar per share annually and only trades around 27 dollars last time I checked; and it had a recent split so in time (longer term) in theory share price should rise.
SPY & VOO are effectively identical. I wouldn't have both unless you're doing it to have two different buckets for taxable capital gains optionality later on. As far as thoughts, SCHD is a dog imho.. dividends are tax inefficient, their cover call scheme isn't super helpful in a true market that goes up. DIA doesn't really seem necessary either.. I'm a boring r/Bogleheads kind of investor - you're probably just as well or better off with either an S&P 500 index, US Total Index or World Total Index as you are by overcomplicating there with those tickers. SCHD had a lot of great online influence to make it seems like this great plan. In a lifetime of wealth building, I don't see any benefit to it vs. $VTI and personally bet that $VTI will perform better.
Thoughts on diversifying portfolio to just DIA, SPY, VOO, AND SCHD. ALL DIVIDEND PAYING STOCKS AND relatively safe. Didn't mean all caps lol
MasterCard, Visa if they stay low enough SCHD will add them next year
SCHD and you’re buying individual stocks? You do realize you pay yourself the dividend. Think more paid in capital. So your returns on SCHD are not what you think they are. Unless your your retired or close to retirement SCHD makes no sense.
SCHD is a bad investment, period. It’s only shilled by youtubers and redditors who have no idea how to grow your wealth. Put everything into VOO/VTI or VT and let it compound.
I do. I have 100k in VOO and 100k in SCHD. Then I have 100k in spread out in other stocks.
Ahh, I thought you had 100k in SCHD. I think you’re doing fine, just keep adding to it.
And you would be fine if it dropped $50k? 100k is a decent chunk to sell options with. Adding some risk but can be limited if you know what you're doing. Maybe check out r/thetagang or r/optionswheel. Optionwheel has some great write ups from u/scotishtrader. Hope I spelled that right. Paper trade for a few months then make your decision. But personally I think buying the new shiny thing is the wrong choice. Also depends on tax situation for SCHD. Selling and paying large capital gains wouldn't be ideal.
VOO for you. SCHD isn’t good for your situation and putting all your money into rocket lab is pretty wild too.
Also SCHD is great for some dividend income
I am about 50, and I advise my boys (19-24)to do 70% in VOO, 10% SCHD, 10% SCHG and 10% international
I'd recreate VT basically. I'd probably take 90k and put it into 50% SCHB, 10% SCHD (value/defensive tilt), 30% SCHF for international, and 10% into SCHE for emerging markets. The other 10k I'd put into something fun or something I believe in which for me right now would be RKLB or physical silver.
If I was fully uninvested and needed to allocate this. Is probably go $20k SCHG $15k SCHD $15k GOOGL $15k AMZN $10k UBER $10k MA $10k MSCI $5k MELI There may be a spot for something like ADBE here, but I think if the market turns away from AI, companies like MA & MSCI will rise along with beaten software names.
I own 4 stocks and 3 funds. C, ASTS, GOOG, RITM FZILX, FXAIX, SCHD
>At what age would you focus on dividends ? Never. I have been retired for more than 25 years. I aim for maximum total return and do not care whether that comes as dividends or price appreciation. Standard SP500 has consistently beat dividend ETFs like SCHD. If you do a backrest you will see that the claims of dividend ETFs being less volatile are exaggerated. The last time I did a backtest in portfoliovisualizer.com the std dev of SCHD was something like 14.8% with SPY being 15.1%. SChD drawdown was better, 21.5% max drawdown for SCHD vs 23.9% for SPY. Most importantly, the annual return of SCHD (including dividend reinvestment) was 11.6% vs 14.8% for SPY. That is a huge difference, which resulted in a 10k SCHD investment ending up as only $29.693 in Nov 2025 as compared to $39,462 for 10k investment in SPY in 2016. The backtest period was Jan 2016 to Nov 2025, limited by SCHD acaialabikity.
Not the right place. Any S&P fund isn't bubble proof right now because the biggest bubble right now is also filled with 5/6 biggest market cap stocks in the world. What you're looking for is VTV, VYM, or SCHD. When the bubble pops 100% VOO.
i was joking about the full-port, but i am 100% serious about parking some money in SCHD.
thinking about full-porting SCHD
SCHD dosent suck. Its just in a bad cycle going against high growth tech. I say you’re just too young to be in SCHD. Just be in SCHK and VOO.
I have about 40k in roth with VOO(50%)/VGT(15%)/SCHD(15%)/JEPI(15%)/ and ULTY(5%) This account is more for growing to a decent size so I can start spending the money.
If you were interested in setting up a position in something like SCHD, I'd keep it small. In a 2 fund portfolio absolutely no higher than 20% and even that's pushing it. At 26 you're going to benefit more from growth funds. SCHG, VOO, FXAIX - whatever. They pay dividends themselves and you'll get better total return. Once you get closer to your 40's that's when I might start considering shifting to either open a position in something like SCHD to begin accumulation or increasing portfolio share by x% annually.
Maybe, but maybe not. Maybe there *is* a HUGE downturn in AI/tech, but it's not accompanied by a downturn in boring ol' value. Maybe SCHD finally picks up and sees a 20% in 2026 while AI implodes. But maybe not. We all like to fk around with individual stocks, that's why we're on this sub. I have zero problem with gambling on the betting apps, but I full on like to gamble in the stock market. I bet last week ELF would not drop to $72/share by EOD Friday and I in turn got paid $221.35. Bets all around on "maybe/maybe not". But when it comes to index fund, just turn off your brain and stop overthinking it. Set a monthly auto-buy and never never never turn it off. There is no winning jumping in & out or trying to time your buys. Just automate it. If it helps, put you auto transfer + buys in a separate brokerage account and lose the PW.
SCHD doesn’t suck, it’s just inappropriate for a 26 year old. Dividend funds provide regular income (which you don’t need), but in doing so they sacrifice total return (which is all you should care about for the next 40 years). VOO is a good start. Focus on contributing as much as you can afford, particularly into tax/advantaged accounts. Once you get your feet wet you can diversify further: small and mid cap US funds, international fund.
That was the pessimist part. Now, what can we do? First, let's be clear: Value preservers like Gold and Silver are off-topic. Our goal is not just to protect money, but to make money. Maybe target specific country indices? For example, everyone is advertising Poland right now. It is launched as a perfect place. But how many of us predicted Poland would be like this and invested accordingly? Very few. Since the SP 500 isn't a "party boy" anymore, maybe we enter Small Caps? I don't know, maybe it works. This is basically a "retired grandpa fund." Normally, you are aggressive when young and switch to dividends/bonds as you approach retirement. But in a scenario where the US becomes an old wolf like Europe, unable to get near 10% returns and reminiscing about the "good old days," I think a dividend fund like SCHD might do the best job. Are there risks? Yes. But if some of those risks happen, it’s not just your portfolio that collapses, the US collapses directly. Give up on index funds for wealth and go for real estate. Mortgage, buy, rent, wait for breakeven, refinance, repeat... It’s not a bad method, but it’s a hassle. It’s basically a second job. I no longer believe that the SP 500 will create wealth over time. That happened in the last 15-20 years and it’s over (one way or another). Forget about being rich in retirement. We are now only saving so we don't need social aid when we retire. Will this last forever? Of course not. But lasting for 15-20 years is enough to make you miss the train. The generation before us made a fortune. We will barely retire. The generation after us might catch a new opportunity. But we are playing the game on "Hard Mode," not Normal. In history, this is called the "Lost Generation." I hope I am wrong. Help me i am lost.
SCHG for growth (70%) and SCHD for dividends (30%). Reinvest all dividends for 30 to 40 years. The main objective is to live off the dividends. Do your due diligence. Set for life!
SCHG for growth (70%) and SCHD for dividends (30%). Reinvest all dividends for 30 to 40 years. The main objective is to live off the dividends. Do your due diligence. Set for life!
I would be shifting a large portion, (what you need for month income) into dividend paying assets ( e.g SCHD). Keep what is not needed in a broad growth index fund. We usually recommend this move 6-7 years before retirement . This is due to a downtrend every 6-7 years. Happy retirement. I am sure you deserve it.
What balance? VT has basically everything in SCHD and VTI
If you want stability better to go bond. SCHD has the same risk profile as vti. So you really only getting slower growth over the long term including schd. I’ll shift that to higher growth like vti
Solid choice! But maybe mix it up with VTI and SCHD for a bit more balance in your portfolio.
I'd go 60% VTI (total US market), 20% VXUS (international), 20% SCHD (dividend growth for stability).VGT is great but heavy tech concentration; this spreads risk while keeping growth potential. Good luck!
Damn, I've been outed. ;) A lot of truth to that. I put my adult children into VOO/SCHD in 2019. 2019 is when I bought my first canna stock (Acreage. Sigh.) and got in much more deeply after I joined this sub. (older account) I am grateful for my children when I see their portfolios over time, and shutdown my Fidelity app when I see my cannabis Potfolio. ;)
A 70/30 balance of VOO and SCHD. ;) Unless you're an experienced day trader or adjacent. At that point I defer to those in today's casino. Folks appear to be doing mostly ok.
Who else bought to get these fucking DIVIDENDS on Monday from SCHD!!!
>12 years of SCHD? Why? Just get it later when you NEED income/dividends I'm not sure where Reddit got this idea that the only use for dividend paying stocks is for dividend income during retirement. https://www.incomeinvestors.com/wp-content/uploads/2017/05/sparistocrats-3.png
You feel that randers? It’s the shit winds a blowing…. Sorry yall I’m feeling something is amiss and I’m going gay. 50/50 BRK/B and SCHD. See ya’ll when I’m feeling less risk averse
SCHD has a CAGR of about 10%, has a great quality screen, and has very little tech…it’s a hedge/defensive position for diversification
Understood on the concentration, which I’m aware of. Just riding the hot hand at the moment I guess. At some point, if/when we rebalance, any recommendation on where to reallocate QUAL? Into SCHD? Other option?
12 years of SCHD? Why? Just get it later when you NEED income/dividends… have some fun with stocks you like from writhing SCHD if you like. Retiring in 12 years doesn’t mean “taking from IRA” in 12 years. Spend less, invest more. Do it auto. Sell when you have something urgent to pay for. Plan don’t change. Best of luck!!
Looks like it’s time to put away the nose candy, move to Florida, and park all my money in SCHD
bro you cooked with this one 🔥 100% facts. Oracle’s “we’re spending another $50B on GPUs” but cloud growth only +8% had the market like “hold up, where’s the money printer?” 😂 we’re officially done with the “trust me bro” phase. now it’s show-me-the-cash-flow or get smoked. NVDA still king but even they’re gonna have to prove the $200B capex turns into actual enterprise spend, not just hyperscaler flexing. meanwhile i’m over here rotating some profits into boring shit like $MSFT (Azure actually printing) and $SCHD dividends while the AI bros panic-sell the dream lmao
SCHD is only for those who won big on mag 7 and need to diversify
SCHD around 4% yield now looks more attractive
I am moving money into SCHD and the DJIA index for this very reason. Also got some money in Energy positions
I’m 48, and slowly moving more of my assets into SCHD. It represents a 15% portion of my portfolio. The remainder is VOO, SCHG, and BRKB (in that order).
Yeah. I could work doing whatever I actually enjoy (150-180k annually) and with something like SCHD I'd still get income even with a market downturn. Don't have to sell at the bottom to cover expenses and still get some price appreciation over time. My house is paid for and I have no debt. I'd take the income and just be comfy.
5M? Put it all on SCHD and live off my dividends.
Good question: I'm in between. Let me explain. Over the past 20 years I've sworn off stocks for ETFs so many times I can't count. And always for the same reason: *single-issue risk.* What it that? Musk tweets something stupid, Tesla drops 10%. Oracle doesn't meet expected earnings, it drops 15%. Enron, "the smartest guys in the room", weren't: bankruptcy. **So since March I've only done ETFs.** If you ever catch me trading a single stock, I want you to shoot me. Please. And sure some ETFs have big drops, but they're ones I don't touch: crypto and cannabis. Other than that, ETFs just don't move that quickly. And why? Because they're baskets of stocks, right? (For the most part.) So if an ETF holds 100 stocks, and one goes to zero, how much should the ETF drop? Just 1%. (Aside from sector-sympathy that might drag some of the others down too.) Why don't I use SPY and QQQ and the like? 1 - because I'm not an indexer by nature, because: 2 - I like to find things *that are going up*, and trade those. But don't get me wrong, if SPY or QQQ were going up fast enough to screen-in to how I screen, then I'd trade them. I recently traded IWM, the Russell 2000, because of that. Now maybe let me expand your mind a bit: *Do you know how many ETFs there are in the US?* **4,300!** Four **THOUSAND** and three hundred. But you only hear about a dozen of them, don't you? VT, VTI, SCHD, VOO, IVV, VXUS, maybe ITOT, like that. *Did you know that* [momentum in equity prices persists](https://www.sciencedirect.com/science/article/abs/pii/S0927538X18303998?via%3Dihub#preview-section-references)*?* It does. For 1, 2, 3, even 6 months or more. Now, what if we put those 2 things together and looked for **ETFs with momentum**? And then instead of *buying* them, buy **LEAPS Calls** on them. Deep ITM LEAPS Calls act as *share substitutes* and give us **leverage**. Let me know if you're interested in hearing more.
SCHD SCHY SCHB all equal split DCA over 2 years would be my go if it has to be all stock 300k just my opinion not advice and those ETFs are not absolute and interchangeable VOO VYM VYMI or SPY DIA VEA and so on so forth
Depending on a single company for that type of strategy is risky. If you want to pursue the strategy then get a dividend etf like SCHD or something similiar.
My 1st Portfolio I’m 30 and new to investing, and I’ve been literally overwhelmed by all the options that are available for me to invest in. After a lot of research i have decided to stick to ETFs for the moment.. Please help me analyze my portfolio.. My monthly DCA budget would be 200 USD (300 usd exceptional case) . Portfolio X 1. VOO 2. VXUS 3. BND 4. GLDM 5. SMH I want to include QQQM and SCHD too but I’m not sure because of the overlap..
If you are aiming for the long term, I think Meta, Amazon, and Google stock would do ok, or invest in ETFs like VOO or SCHD for dividends.
I would swap out SCHD for QQQI. QQQI provides better capital appreciation plus over a 13% monthly dividend. Thats if you need the income, even if you didnt and reinvested the dividends, this should perform better than VT
Probably nothing new. Buying dips on core positions. Good chunk of a gold ETF. Probably more NLR and IBIT if they dip further. Steady contributions to VOO and SCHD. Past few years have been mostly amazing on individual stocks but trying to get more conservative with my investments.
why not buy an SCHD or like since they would have no pension income
SCHD and other potent dividend et funds. With no pension thus could be a good income strategy. They could reinvest all the dividends till they retire
I got VTI for total market exposure and some SCHD for dividends. For individual stocks, I’m holding Apple and Nvidia too, but I’ve been slowly adding Microsoft and a bit of Tesla for growth. Thinking about sprinkling in some international ETFs for diversification because U.S. heavy portfolios can feel risky long-term. Your S&P position sounds solid, and honestly, it’s hard to beat that simplicity. I like your plan to build up Apple, Amazon, and Nvidia, they’re still strong plays.
Almost in the exact same situation. SGOV is great for a safe place to park your money. Here's the rub... You get excited by the state tax exemption, which is huge in NJ. However, it's still ordinary dividends. This isn't something that gets brought up enough. If you live in NY or NJ, chances are you are high enough income that you still get nailed on these ordinary dividends. That's why I'm currently looking for something fairly conservative that pays Qualified Dividends. SCHD or ADX is an easy one but also exploring alternatives.
FDVV, FDRR, VYM, VYMI, SCHD, DGRO...any can be used. Pick what you want. The "general consensus" is to keep it simple. Why have multiple funds when 1 is fine.
FDVV and SCHD only have an 18% overlap. Is there a reason not to buy both from a diversification perspective? Before it was one vs the other when there was more overlap. I’m incorporating dividends as part of an overall strategy.
How much does he have? That probably matters as much as how he invested. If he has $500,000 then you could just do an SPYI/SCHD mix and collect $3,000-5,000 a month in dividends and be relatively fine.
Tell your parents you're only going to invest in broad market ETFs like QQQM, SCHD, and VOO. See if that will convince them.
Honestly man as long as you put your money towards anything that’s not going to die by your retirement age you will be fine. Find stuff you want to put money in, when you’re a share holder in a company you are a partial owner. So what would you want to own? What do you think has long term value? The most important part of how you invest especially at your age is consistently dollar cost averaging into the market. Daily, weekly, monthly, etc. find out an amount of money you can consistently invest until retirement age. Most people do weekly or monthly. It doesn’t matter how much it is. Just put something in consistently. The idea is you don’t want to skip putting money into it at all, and the older you get hopefully you can increase what you’re consistently putting into the market. If you really just want to know what exactly to put your money into and don’t care about buying specific companies, just buy ETFs or indexes like SPY, SCHD, VOO, QQQ, etc. Regardless you’re doing well man. Don’t look for any get rich quick schemes. The goal is to set yourself up for an easy and hopefully early retirement. It will take decades. The market is a time game brother. The sooner you’re in the better.
Little advice - SCHD is for old men. You don't have an old mans account. Do some research I'm sure you'll find a more creative way to generate alpha. Amazon comes to mind.
For RMDs, safety is key. A bond-heavy portfolio (70-80%) with some equities is a solid foundation. Consider breaking this into: 1. Cash buffer: 1-2 years of distribution needs in money markets/HYSA/short-term CDs 2. Core portfolio: Bond ladder (individual bonds or ETFs like BND, SCHZ) plus quality dividend stocks or ETFs (VYM, SCHD) 3. Inflation protection: Small TIPS allocation and possibly I-bonds (annual limit applies) Since they have expenses covered by pensions/SS, this money can be more preservation-focused. Tax considerations are crucial - if they don't need all RMDs for expenses, consider Roth conversions or QCDs to charities to manage tax impact.
DCA into spy. DCA into SCHD. DCA into VOO DCA into QQQ for heavier tech exposure. Do 1K in each a week, 200$ a trading day
I have found that a ranking methodology similar to the methodology used by SCHD is a good foundation for analysis. Of course, your objectives may not be aligned with those of SCHD, so you might want to choose a different set of metrics to rank and compare. I had success with this method to identify WIRE (before it went private with a sale above market). Of course that’s just an anecdote, not advice. Studying the strategies (index methodology) of certain ETFs can help you determine an analysis strategy that meets your objectives.
SCHD is completely irrelevant if you already have a total market index.
For my younger 20 something’s I suggest 50 SCHG 20 SCHD 20 VTI and 10 SCHY. Similar ETFs work too. I’d ditch the individual holdings until you have much larger core holdings. The Schwab products are low cost and adjust their holdings periodically. The key is to keep investing and let compounding work. Select dividend invest for all and rebalance as you add dollars to your account. Never panic as sooner or later there will be 20-30% correction. Ride it out and keep buying. Reevaluate every 5-10 years.
For me, BRK is my medium sized downturn hedge. I am planning a 1 year expenses cash + 25% VXUS + 45% VTI + 15% BNDW + 15% BRKB. The premise is that BRKB will buy companies if we see a moderate-to-significant recession as well as market sentiment will flip faster than I can react, driving dollars from tech to 'safe havens' like BRK and SCHD purely on sentiment. Yes BRK will drop too, but the combo of market sentiment and their generally safer assets and their value philosophy make it my medium-recession hedge. 1 year cash + 15% world bonds is my severe recession hedge. No, it wont outlast a 10-30 year recession, but between cutting expenses, willingness to sell some assets at a loss, and likelihood of another 30 year recession, I'm ok with that. This also turns into roughly 60/40 US/international exposure and a 85/15 equity to bond ratio which are reasonable ratios to hedge against various other factors.
I have a portion of capital at work in an income generation account. I will occasionally write calls or open CSPs on these HIMU - 30% allocation (Muni fund - no options chain) SNSXX - 30% allocation (I use this money market fund as collateral for CSPs) F - 10% allocation ARCC - 10% allocation SVOL 5% allocation (I actively hedge this position to protect against NAV erosion) SCHD 10% allocation - modest capital appreciation IBIT 5% yes I know. :) Vol.premium usually attractive.
That plan was my original thought as well. I'm not anti-dividend as some people in these threads (I have SCHD/SCHY in my IRA, an income fund in my 401k, and my taxable is almost all individual dividend stocks), but rather the specifc REIT and sector fund you selected as why I would put that 20% into FXAIX combined with you being mostly risk adverse.
Amazon is up 10.25% over the past year. So ... more than five times better. SCHD has been pure trash.
SCHD ... truly the most inexplicable of all investing decisions. Nothing like having a total return over the past year of about 2%. SGOV or HYS wildly outperformed it thus far in 2025.
What point are you arguing exactly about the S&P? I don’t own any SCHD as I don’t care for their methodology.
https://testfol.io/?s=dKZMDq5NNFD The S&P500 investor has higher dividend growth and has more money in their pocket every month, as well as a higher value portfolio. How does that sound bad to you? Because the share number is different? Did you become 3x richer when SCHD did a 1:3 stock split? Of course not. That would be stupid.
All the other popular ETFs are open ended funds , VOO, VTI , VUG , SCHD , IVV, ITOT, SCHB, SCHX this really just brings QQQ inline with the other most popular ETFs I really see no reason to vote no on it especially if you hold one of the above funds you already own open ended fund what QQQ wants to convert too. It cuts the expense ratio 10% ; its seems weird to complain they should have cut it more then vote no and pay a higher expense ratio
Add a little BND and that’s it? SCHD is still decent to hold due to the companies that give consistent divs. Especially when you’re about to retire, or already in retirement. These constant divs help with income.
Remove SCHD, DRGO, BND. Replace by a growth fund like VUG, VGT, SPMO. At 33, it’s time to be agressive and grow your wealth.
Focus on total return and set hard rules so a few high-yield names can’t wreck your principal. What helped me after a big drawdown: cap any single risky dividend name to 2–3% and the whole “yield” sleeve to \~10–15%. Use clear sell triggers: dividend cut, FCF payout >85–90%, net debt/EBITDA creeping past \~3–4, or interest coverage slipping below \~3. Track IRR, not just dividends; if total return lags T‑bills for 4–6 quarters, rotate. For steadier income, I keep a core in SCHD/JEPI and park near-term cash in T‑bills or short-term Treasuries. If your loan rate is high, paying it down is a near risk-free return; I’d prioritize that over adding more high-risk yield. If taxable, harvest the loss to offset gains and up to $3k ordinary income. I screen in Koyfin, sanity‑check payout risk with Simply Safe Dividends, and use Ask Edgar to quickly pull debt terms and red flags from filings and transcripts. Bottom line: judge by total return and enforce risk limits, not headline yield.
This is the average r/SCHD poster