SCHD

coder_karl

Depends on your goal and strategy. Are you trying to make money by investing in tech growth stocks, did your research and are convinced theses will do it for you in 10 years when you plan to sell? Then right on, that’s the way. If you plan to save for Rente then I‘d suggest very much to diversify and get out of the more risky stocks. Buy some boring companies Allianz, Münchner Rück, JNJ, Pepsi, Cola, Home Depot, Mercedes, Visa you get the idea. We are German man! Use the German buy some boring high dividend DAX companies 😄🇩🇪 But then again if you don’t care about dividends and retirement and hope to make cash by selling those in 10 years you’ll probably be fine (although I didn’t research your companies besides MSFT) Other than that some ETFs won’t hurt, I do pick stocks as well but I have some Sparplan for broad index ETF with dividend payout. You can’t buy most of the suggested ones like SCHD since you’re European, but there are other dividen aristocrat oder high dividend ETFs here, mostly IShares, Lyxor or Amundi

coder_karl

Can’t buy SCHD in Europe

5ninefine

Sell it all…75% SCHD, 25% GLD

GeorgeKaplanIsReal

You're tech heavy, I'd diversify. Target, Walmart, Best Buy, healthcare, oil. VTI is a great way to get way to do just that. I like dividends, so SCHD, some extent O.

Longjumping-Fail-925

+1 for SCHD throw some dividend stocks in there

Colorado_sux

Add a value etf like SCHD or DHS to balance away from growth and tech. Add an energy etf too

AnonymousVertebrate

VTI and SCHD are both acceptable ideas

6anthonies

Ok many comments were funny. Thanks for the serious ones! I agree I think SCHD or VTI and DCA the $80,000 over 12 months will work. Then just keep adding to it monthly with the other $1,000. Also if you can weed thru the comments there is some real good information on Reddit. It just helped me protect a position with some SPY puts and it was a good idea from one comment on another forum....

MasterJeebus

Is this daughter looking for a regard bf? ETFs might be better fit for people that don’t want to take too much risk, just throw it in SCHD or JEPI and wait 35 years until you can retire.

terrobrilliant

Made 7k on AVXL today. Up on SCHD, and VTI as well. If your AMC is your only green.. bro don't boast about that. You have missed on lots of money. Either that or bought recently. The truest of apes. A chimp

BenRobNU

Pretty cozy rn on this Friday, might SCHD and chill tbh.

ren-tin

SCHD and start you dividend investing. It’s a safe investment and it pays you just for holding it.

terrobrilliant

Thanks. Been literally just buying SCHD and VTI for the past few months and now I have yoloed into that. I will prolly sell asap the moment the market opens.

AustinLurkerDude

Frankly, forget bonds, or bond funds. I don't see a scenario where they're worth it, the returns are very low and the risk is not as low as they're touted to be. Keep 5 years of expenses in a laddered CD (where returns and principal is guaranteed since FDIC insured) and pile the rest of the money into SCHD ETF and later try to live off the dividends if possible.

BarnabyColeman

Hi all - I have a Roth account with Northwestern Mutual that was made before I really started learning more about investing. Now that I'm really learning a lot thanks to this reddit and a couple others, I have started to seriously scrutinize the account. My NWM representative has been pointing my deposits towards GWPAX for a few years now. **What I want to know:** Why would the rep use GWPAX? I see that it's a growth fund, but clearly there are better growth ETFs and even funds when you look at 10 year returns. Does the rep get something for pushing a particular fund over another? Like...I even started up a small taxable brokerage account to learn more and experience trading on my own. I'm purchasing mostly SCHD and VOO in that account so that's why I'm sitting here going "Why the heck is my Roth filled with GWPAX, with higher fees, when something like VOO is doing better over a 10 year period?" Huge caveat - I'm still really new to this! I'm honestly trying to better understand why the rep is buying GWPAX.

unreall_23

Sorry for the late reply and likely dumb question. Why is it bad to buy the dip? I've been doing this over the years with ETFs like QQQ, SCHD, MGK etc. I do check long term trends to ensure stability but admittedly don't do much research since most of my holdings are the larger ETFs.

InvestingNerd2020

Since they don't offer fractional shares for ETFs and higher expense ratio T Row price index mutual funds, the best choice are the lowest priced per share ETFs. - SCHB for your Total USA ETF. Less than $50 per share. - SPLG for the S&P 500. Less than $50 per share. - SCHG for large cap growth. - SCHD for dividend growth.

TheOpeningBell

Also I don't think the problem is you trusted "the system", you may just not be a good fit. Good etfs though range from SCHD, DIV, Schwab mid and small cap, the old tired Vanguard crew will shout VOO and VTI!! Jp Morgan has a great low expense US ETF BBUS.

drew-gen-x

75% $SCHD, 15% $XLE, and 10% $GDX or $GLD. Adjust those percentages based on your risk tolerance. $GLD is less volatile than $GDX. Increase your percentage in $SCHD over $XLE if you believe demand destruction is here and we are entering a long term recession.

Beetlejuice_hero

Looking for value or just after traditional defensive like PG, JNJ, MRK etc? If former - *ducks* - then META. Screaming value at this point IMO and I've been accumulating via share purchase as well as selling CSPs. SCHD if you want to stay conservative but will remain one of the most rock solid buys now & forever.

mcnealstash

Damn could have just bought $20k in SCHD and collect $700 a year for passing go instead. RIP

AustinLurkerDude

Like others mentioned, see a CFP (certified financial planner). Expect to pay a one time $2500 fee. I'd expect the CFP's advice to be to get setup on a mixture of a CD ladder and low cost ETFs. CDs right now are giving 4+% risk free. Get CDs of 1/2/3/5 yr maturities and put the rest in a mixture of JEPI(taxed as non qualifying income, but snds like her annual income is low)/SCHD in a 30/70 split. ​ They'll also advise on when she should start taking social security and review her annual finances/budgets/desires. Like basically see the $2500 as a one time review of her whole life, finances, stocks, annual budget, etc.

ShadowLiberal

Depends on what the living expenses are. Something like SCHD (a dividend investor favorite) would pay around $38,000 in dividends annually with $1.2 million. It's a good amount of money, but a lot of people would probably have too high a cost of living for it to fully cover their expenses.

randomonlineguy16

If you're "nervous" it sounds like you have more money invested than you can afford to lose. What was your plan when you bought the stocks you bought and why did you buy? Has anything changed with the companies you invested in? The market has already dropped quite a bit so there's a good chance the worse is already behind us. Could we drop another 10,15, maybe 20%? Sure. No one knows shit about fuck. If you can't handle the ups and down of individual stocks just DCA into VOO, SCHD, and chill.

Largofarburn

I think I’m up slightly due to the recent amd pop. Bought it at 57 and I’ve been DCA into SCHD all year which is up 3% for me YTD. My 401k is a bloodbath still unfortunately. Even my contributions haven’t offset the losses.

Trock9

Just make sure they have good holdings and have a low expense ratio. Here’s my favorites: SCHG (large-cap growth) SCHD (Dividend/Large Value) IDEV (Dev Mkts International) IJR (Small-Cap) VO (MID-CAP) VOO (S&P 500)

ucooldude

you do know trading is a total waste of your time and money? If your money had been properly invested in the market like in an etf such as SCHD ..you would have made more money that playing around trading. $1 million in Schd from 2012 to date would be worth just a little short of $4 million ... in 2021 the income alone from Qualified dividends would be $140,000 ..& you had portfolio growth added in. All traders lose and quit and a few break even .....if you just invest and leave it ..you will do way better. This might have been a good thing to happen to you ,,,,, stop throwing money away trading ,,it does not work...never has ( see all the studies) ..never will .... you could lose all your money...it happens.

NumerousAbility2332

well, not knowing anything else, if you look at a 5 yr chart of SCHD, the price five years ago was $50 and now it is $75.

hak8or

> SCHD Why SCHD which has a 0.06% expense ratio and an SEC Yield (30 Day) of 3.22% when SCHO has 0.03% expense ratio and an SEC Yield (30 Day) of 4.50%? To be fair, the expense ratios for both are still utter pennies. I don't see any someone would favor cooperate bonds via the Dow Jones U.S. Dividend 100 Index when it's Treasuries that are closer to the higher rates, and treasuries are even safer than corporate bonds.

teddyevelynmosby

I put 40k into SCHD last October, one year passed, they are still at the same price. The yield is worse than tbill, so I would go with treasury bills if you want to park money

Moist_Lunch_5075

ROFL it's just "follow the leader" stuff.... there are definitely worse things to put in your port than SCHD, but all SCHD is showing is how dividend and defensive stocks are outperforming growth this year and that's not always going to be the pattern. The people thinking it's a magic stock strat don't really understand how ETF composition work... similar to not knowing how covered calls work. I think QYLD is a good example of what I'm talking about. I think there's a good place in a port for it, but it's underperformed my expectations this year and hasn't had some of the downside buffering qualities I've seen in prior downturns, also reflecting change in market behavior... having said that, once you account for yield it's still outperforming the index. But it's just proof that current or prior trends don't reflect future conditions.

Moist_Lunch_5075

Two of the dumbest people I've interacted with on reddit over the past week think SCHD is the solution to all of their portfolio problems and think they should go whole-port. I have now upgraded them to the status of two of the dumbest people on the planet. LOL

TheJoker516

QQQ and SCHD.. A bit of JEPI in place of cash

ell0bo

>Just buy an April 24 TBill. Dont have the exact number in front of me but it will yield about 4.5%. Its essentially “risk free” as long as the US government doesnt shut down. You're right, but odds are SCHD ends up getting you more in that time. Dividends alone will be that amount of return, and by 2024 I expect the market to have shaken out. Could split it, 10k in TBill and 5k in SCHD. Straddle the risk.

Desmater

Should have a little of each. Value, growth, speculative. Also the main should be index ETFs, VTI, VOO and SCHD.

pinetree64

Depends on your level of effort. I'm a fan of SCHD. Add a broad index like VTI or VOO and your are good.

aznkor

SCHD

Rich_Foamy_Flan

I believe traditional advice would have you going tax deferred accounts over UTMA. All of the stocks you want to buy are dividend heavy and will have an immense amount of tax drag in the long run. What is more, while I personally own each of those three stocks you mentioned (JEPI, BST, and SCHD), I’d only run with the latter. The covered cal strategy is not very fruitful. With regard to general stock picking, you’re looking at a rather short time horizon for the time between today and your Kids’ enrollment in college. That will typically advise a more conservative approach. You say the $1k is isn’t moving in the 529. That’s because a 529 is built to be a wealth builder and preserver. It will grow as you add money and it will intern provide a modest compound interest. It will track the market, so history will say that yields between 6% and 10% any given year. What’s more and most important about the 529- no tax drag. Finally, your stock picks are very volatile. This year is good evidence of that. Certainly to each his own, but I wouldn’t (and don’t) gamble with my kids’ college money. Finally, to the accounts. It is just me, but I’d highly suggest entertaining ESA accounts and putting more into your 529. ESA’s are like a Roth IRA, but they must be used for education. After tax earnings go in, and the returns/growth can be redeemed tax free if used in qualifying purchases. So all of your dividend stocks (which I wouldn’t use) won’t have a tax drag. You can put $2k per child into ESA’s per year. Unlike 529, you can pretty much buy any individual stock you want with an ESA. If you like stock picking autonomy, I’d go ESA, and once maxed out go the rest in 529. Just my .02, but I don’t ever see the value of a UTMA unless you have money falling out of your pockets, you’re a broker collecting fees or the IRS collecting tax.

PNW_Nat3

I invest in 10 individual stocks like Apple, Microsoft, Google, Lows, HD, Texas Instruments, UPS. Ones I know are stable to the consumer and world. The rest are ETFs SCHD, SCHB, QQQM and thinking now about SPDR sector ETFs. Dividend aristocrats/Kings are a good start.

carrotheadginger

Not myself, I strictly invest in VTI and SCHD. I am a dividend investor. But I have seen close family members ruined because they did one trade, made money, and thought they were hot shit. They do not think that of themselves now. Even though I may only invest in 2 things, I still like to follow the charts

SongYouRemindMeAbout

Oh true. I just checked and it was separated out on my 1099-B for VTI for example, but SCHD was just all qualified for the dividends. Thanks.

New_Excelsior

Looking for review, feedback and critique of the below portfolio to help strengthen or improve on it, this is money i am setting aside to grow for the kids and does not represent my over all portfolio. Starting with a principal amount of $1.25M. Stocks 65%: Comprised of VOO 40%, SCHD 10%, VHT 5%, XSD 5%, VUG 5% Bonds 20%: US Treasury Bonds 15%, TIPS 5% REIT 5%: VNQ Gold 5%: GLD Cash 5%: Money Market Acct I am looking for a 10% Average Annual Return over the next 15 years. Is it a reasonable expectation? Is the portfolio too conservative, moderate or aggressive. what would you recommend i change? Thank you in advance.

noggin_elastics

>e casual 10% VIX spike, and broad selloff on low volume. Market powers just fucking around taking people's money. > >The sidelines it is... A pretty easy and safe path forward is a healthy amount of cash on the sidelines in something like SPAXX while slowly buying hold-for-life growth + dividend ETFs like SCHD on the big dips, along with the obvious stuff like maxing out i bonds over this last year. Patience through each of these sometimes long selloffs is actually now pretty easy when even money market funds like SPAXX are paying 3.2% just to park your money and wait.

Alec_NonServiam

Thanks for the explanation. Another reason to like SCHD I suppose!

SongYouRemindMeAbout

SCHD happens to be qualified dividends. VTI for example doesn't give qualified dividends. From what I have read, this is due to VTI holding some small percentage of REITs which make the entire dividend not able to be classified as qualified. SCHD on the other hand can be classified as qualified. I use a small percentage tilt of SCHD for value in my taxable account. I mainly use it for a value tilt more than thinking of it as wanting dividends.

ilovenyc

Yeah I’ll be doing that but just wondering if people invest into dividend stocks like SCHD or JEPI in their Roth IRA vs. doing in brokerage. Not seeking financial advice here but just thoughts and opinion.

Alec_NonServiam

VTI is not SCHD - SCHD is a dividend-focused ETF. Vanguard's equivalent would be VYM, though they aren't entirely the same. Any time you take dividends in a taxable account, they are treated as ordinary income, vs deferred growth in tax-efficient accounts. If you're okay with paying the extra taxes, it isn't that big of a deal.

BushLeagueMVP

Yep. I see it as a sort of quality filter. SCHD is an outperformer in the dividend ETF space because it still weights by market cap like SPY instead of yield.

bluebeachsnake

Now we just meme VTI and SCHD. Oh wait that’s the divided sub

InvestingNerd2020

Congrats on your casino win. However, some things need to be stated. 1) Gambling ≠ investing. Investing is "buy & hold" for 5+ years. Not for the inpatient, and less fun in the short-term. 2) Open a regular taxable brokerage account with Fidelity and invest into ETF "SCHD". It will pay you decent dividends every 3 months while offering good appreciation growth over the long-term (5+ years). 3) Look into Boglehead community and the 3-fund portfolio.

ATABro

None of those. SCHD and shut the fuck up. Or SNP500

novacyt

Thanks for the tips. I’m from Europe though and can’t find SCHD on my broker

TheCoStudent

I dont think he can buy SCHD cuz he’s European

dominicobrien49

My high div etfs are in another account. Approx 35% SCHD, 25% VTI, 20% JEPI and then some random stuff like QYLD and NUSI

ClassIINav

I think you're on a good track. I'd keep it real simple and stick to a single broad market (market cap weighted) index fund like VT. Trying to split it all out into different market cap funds or dividend paying (your SCHD for instance) is just muddying the waters. One thing I'd point out also in regards to SCHD is I steer away from dividends as it's essentially a forced capital gains tax on an investment. I'd much rather have a stock not pay dividends and have the price appreciate so that I can claim that income when I want, not when dividends payout. Also, keep an eye on capital gains in the funds if it's in a taxable account. VT/VTI are well regarded for not having any capital gains and an extremely low churn rate. Compare it to, say a target date fund where they're constantly churning investments to stay on target. In a taxable account this can cause a catastrophe of taxes if you're not careful. Lots of ink has been spilled about the huge cap gains these funds spilled in 2020/2021 as the market went up and down so much. tl;dr - You're young. I'd stick to a single broad market equities fund like VT and skip the rest. Watch out for expense ratios and capital gains outlays in taxable account investments. Also get going on that 401k. Even with no match it's a tremendous tax advantage.

SegheCoiPiedi1777

This is very true. The valuations of companies like PG is just absurd right now. Retail investors dumped tech stocks in Q2 and loaded on value / dividend stocks, making them overvalued in the process. At the moment most people only talk about dividend stocks, while 1 year ago they were only talking about how tech stocks could only go up. Even freaking tobacco stocks are doing well this year… Dividend / defensive stocks will be the next ones going down. Personally I am buying blue chip tech names right now, like GOOGL, MSFT, META (surely a more aggressive bet), AMZN. I am Also dipping into QQQJ (mid cap tech etf) as it has crashed more than 30% from ATH. I would love start building a solid position in SCHD but I am convinced there will be better entry points in the future. The market is simply very irrational in the short term. It is acting as if META and GOOGL business is doomed, while pricing staple stocks as if they were high growth. I always try (but it is very hard) to do the opposite of what the trendy topics are.

PragmaticX

Maybe. What other income sources? Presumably social security, anything else? What are her current fixed cost of living? Home, food, medical expenses, etc. Withdrawing about 28k a year should last her 30 years per the 4# “rule”. Or buy SCHD and it should generate about the same in dividends every year. Will 28k+ all other reliable sources of income be enough? If not, time to get creative, reverse mortgages, etc. worth it to talk to a fee only financial advisor if her numbers don’t look good.

ReliableThrowaway

It's always recommended to invest now...don't try to time the market. You should look into ETFs since you're a beginner especially. VOO SCHB SCHD A few good ones to consider.

StonkGoUp

If you’re autistic you’ll fit in great here. Here’s the low down. Here at WSB we mostly lose money and out of thousands one or two people hit it big. It’s like the lottery. People mostly do this by trading options contracts which offer leverage and much more risk. I’m not going to explain them fully because you should not trade them. Open either a ROTH IRA or 401K account (depending on your specific tax circumstances) and contribute monthly. Split it between a couple big index funds, Vanguard is usually a go to. VOO, VTI, and SCHD are just a couple examples of big boomer funds. Just invest every month and forget about it. This is the best advice you will get

LincolnHamishe

Just buy SCHD and call it a day.

InvestingNerd2020

Just setup a custodial regular brokerage account with Fidelity and invest into either ETF "VTI" or "SCHD". Then make sure the dividends are set to "reinvested". Don't look back until he turns 16.

Zadof

Just buy f..ing SCHD or something similar and stop being so stupid.

ptwonline

Right now it seems like a lot of money racing towards safer stocks and dividend payers. Look at some like the SCHD ETF and the kind of companies it holds: rising like crazy. If we do get a recession then the decrease in business acvtivity and borrowing and (depending on the bank) issues with mortgages can cause banks to drop quite a bit. It's possible the market had anticipated a bad recession and now it is looking like it could be milder and so banks are rising up again. Personally, I suspect they've gone back up a bit too soon and they'll go down again pretty hard if/when we get the recession. But as always the future market is so hard to predict. I'm a longterm holder of bank stocks so I'm not selling, but if they do drop I'll happily buy more.

cwhatimean

Yes, for sure. I have tracked every trade since I began eleven years ago. It was a bit sketchy at first but I have a cumulative net gain of about $350k. Mostly CSP‘s and cc’s with some credit spreads here and there. Nothing fancy. Lately I have been focused mostly selling puts and writing covered calls on four vanguard etf’s and SCHD along with two positions of a single put each with alternating exp dates on a single put on V ($200 put) both expiring about a week or two from each other and two short positions of ten put contracts each of ARCC (each one expiring about a few weeks from each other). Yes, it is very achievable to be in positive territory.

AChaosG91

Intel. Virgin Galactic. SCHD. BA. SBUX. NVDA. DIS. C.

maximustechmxz

SCHD's weighted-average profitability score based on current holdings is 9.32/10, the 20th best in the sample. It's confirmation that, indeed, SCHD holds highly profitable stocks; if that continues, it should be an excellent long-term holding.

Relative-Two1245

Heres my idea 40% VOO 40% SCHD and 20% DGRO Thank me in 10 years

Successful-Stomach40

Your son is going to be so grateful for this. Even half of your 10k at 5% yoy growth is 240 000. Personally I'd pick a blend between SCHD and VOO/VTI. This gives SCHDs nice returns and still has the total market as a saftey

InvestingNerd2020

SCHD. Although with Interactive brokers, you should be able to buy USA ETFS without needing to buy option contracts. Seems a bit odd. If you don't mind me asking, which broker are you currently using in your country?

Winter-Lie-9628

I think it’s only SCHD that’s realistic as the others I’d need 20k-30k to add in to them

johninsixtyseconds

Just sold my apartment. What now?! Ok, so here is my situation. I'm from the UK but have been working in Asia for the past 5 years. I owned an apartment in London until today, having decided that the stress of managing it as a rental was not worth it. I owned it outright, and the value had seemed to reach a cap - the valuation I received for it 4 years ago was more than I sold it for, despite house prices in other parts of the country continuing to rise. I'm happy with the sale, and feel I got fair value for it. I am also unlikely to return to the UK permanently for the foreseeable future, as my partner is Canadian and we are more likely to settle there. I have around £150,000 invested in various stocks and ETFs (including heavy weighting in VOO, VXUS and SCHD), which has lost a sizeable amount in the last couple of years (mainly due to growth stocks and some stupid SPAC gambles). I have only invested money that I have been prepared to (painfully) lose to this point, but my situation now is a little different. I am now sitting on around £400,000, and would like to put this money somewhere that I will see some appreciation. I am not risk averse, but as this is my 'house' money, do not want to take any unnecessary gambles. I have looked into various savings accounts, bonds and other investment vehicles, including masterworks, and read lots of opinions on various situations, but would be grateful for some advice and opinions. I feel the stock market is unlikely to have finished it's volatility, and would be inclined to avoid going heavy into anything at this point, but will probably DCA more into VOO over the next couple of months. I will not need this money for a couple of years at least, so that may be a factor in what my decision is. I will obviously consider carefully what my move is, and am not seeking financial advice from Reddit, but would like to hear of any suggestions I may have overlooked. Thanks in advance.

SoYeEuYuSiUm

According to r/dividend , JEPI is only for when you’re retiring and want that income. Go with Growth ETF, VOO/VTI (either one) if you want to match it with SCHD.

The_BitCon

JEPI, SCHD, SPHD, DGRO set it and forget it

nightwolf483

Is it better to have 2,500 @ 2.5% APY or buy SCHD apx 60 shares?

MetaphoricalMouse

🦃 rally? SCHD nearing ATH is absolutely preposterous in this current climate. set some CC’s up for 80 strike

Fuck-Star

SCHD and OOAR are two I remember. There's also some in money market. My wife's has others available, so I'll have to check hers later.

ResponsibilitySlow26

I mean, not bad, pretty decent. VOO already goes a pretty long way in diversification. However it is still pretty heavily tech weighted. In this environment, it might be worth taking a look at some lower risk/dividend stocks like BRK.B, SCHD, or DIA.

LanceX2

Just 100% VTI and call it good Maybe 50% VTI 50% SCHD

GoHuskies1984

Good because SCHD was my diversification play last year and I've been red ever since. Considering bailing tomorrow but with my luck this really will be a soft landing and it will be week after week of new ATHs next year.

interrobangbros

I hear you but that's a bad reason to pick a stock. You'd be gambling unless you have looked over the company and have a reason why you think BBY will return positive gains for you. If you want to see you money grow over time but don't have the knowledge/expertise/time to do due diligence into a company, you should instead be putting money into broad-market ETFs like SCHD, VOO, QQQ, VTI, etc. Best Buy is down 39% YTD, far worse then ETF.s If you didn't have a thesis for why you invested, how would you know if the company is performing well or to expectations? How would you know if you should sell and get out? Just my two cents. If you're comfortable taking on the risk of the unknown by putting money into BBY without doing true due diligence, go for it. I hope BBY gives you great returns. I'd still recommend a board-market ETF though.

Alternative_Tax_9714

SCHD is basically within striking distance of its ATH. Still can’t believe a few weeks ago it was at a 52 week low of $65. I’m curious how long it can hold at its current level.

Tfarecnim

At some point, buying stocks will be good for returns again, but that time isn't now when ETFs such as SCHD are yielding **less** than any Treasury Bond and the yield curve is massively inverted.

antillie

> Is it reasonable to expect to make £50 a day from stocks & shares and ETFs? Sure, just invest ~£45,732 in SCHD and let the dividends roll in each quarter. Or pick whatever stock or ETF you fancy that has a decent yield and do the math to work out how much principal you need. As for day trading... Well that's basically gambling, so no. If it was possible to make any amount reliably each day while day trading I promise someone would have done it at scale already and made themselves the richest person ever.

BeachHead05

SCHD

LincolnHamishe

SCHD, I buy it in up and down markets. You should too.

ReliableThrowaway

SCHB or SCHD perhaps.... Just go a single broad market growth ETF, or SCHD to capture some growth and divvys.

josephogz

Why is $SCHD 🚀🚀🌙🌙

DiversifiedReturn

You would pay 0.55% for that privilege. At that point one might as well use a bond fund matched to just above the investment time horizon together with a higher SCHD allocation.