SCHD

Pushinir0n

Lol I bought some ETFs like VOO AND VXUS for my taxable and VTI SCHD QQQM for my Roth . That was like 2-3 weeks ago. And everyday all I’m seeing is RED lolol.. I mean I’m in it for the long term but fuccckkk I’d like to see a Green Day one day 🤣🤣🤣🤣

scientropic

Each has its place. SCHD gives you a lower current yield, but the dividends stream grows over time. JEPI shows little or no dividend growth, but the current yield is much higher. There’s no harm in owning both … you could emphasize SCHD if you’re more interested in keeping your dividends well ahead of inflation long term, or JEPI if current income is a higher priority. They’re both fine funds … it’s just a matter of which or what combination best matches your priorities.

RevolutionLazy6131

I also own JEPI and SCHD. I just checked what Mezzi suggests. Have you looked at SPYD? 0.07% expense ratio vs. 0.35% for JEPI. 4.72% dividend yield, so it's more than SCHD which as 0.06% expense ratio. Sounds like a good alternative to SCHD, though returns haven't been as good. If income is more important, then it could be a good alternative.

JeffB1517

SCHD is designed to deliver an inflation adjusted income. JEPI is a junk bond alternative, high yield but you could experience capital degredation over time. Given you are looking to maintain an income for at most 7 years I think JEPI will sustain a very high draw better. I am however assuming this money is held tax advantaged. If not SCHD is vastly more tax effecient.

Fancy-Fish-3050

Thinly traded options like SCHD typically have wide bid/ask spreads so that means that there would be much higher trading costs than something like SPY. I haven't looked at the options chains for SCHD, but this is something you should think about if you want to try to make money appropriate to the level of risk you are taking.

Cruian

>VTI FXAIX makes up over 80% of the weight of VTI. >SCHD Roughly 46% of SCHD's holdings (by count, not weight) are in FXAIX. >VOO Is the same thing as FXAIX. >Im unsure of the strategy I should be taking when deciding between ETFs, and Indexs. * Index based or actively managed describes how the contents of a fund are chosen. * ETF or mutual fund describes how the fund trades. When creating a fund, you pair 1 "contents chosen" with 1 "how it trades" for 4 main types of funds. Examples in parenthesis: ||**ETF**|**Mutual Fund**| |:-|:-|:-| |**Actively Managed**|Actively Managed ETF (ARKK)|Actively Managed Mutual Fund (FBGRX)| |**Index Based**|Index ETF (SCHF)|Index Mutual Fund (FSKAX)| Stick to the "index" row. The "how it trades" isn't a big deal in comparison. >What should I be pairing with FXAIX? FTIHX or similar. Cover the rest of the world, there's been plenty of times it was the US dragging behind. FSMAX or similar. Cover the rest of the US market, while the past decade has favored large caps, smaller companies have had periods of excellent performance as well.

Pharmacologist72

Bro, find a better stock. There are literally thousands that do this including Warren Buffet. Find good stocks that pay dividend, trade some upside for assurance and live a happy life. If you don’t want to trade stocks, then find a good fund to trade. Something like SCHD. There is a downside to everything. Just don’t get too greedy.

Trademinatrix

I been lurking around this sub for about a year. I seen how most of these people operate and the tribalization of opinions that they foster. They tend to have this superiority complex and it's funny to watch it manifest in topics like this. Same thing with the r/dividends sub. You cannot mention investing in anything outside of SCHD or O for the most part without getting neckbeards screaming at you in the comments about how risky you are being lol. If you dare counter their poorly argued points, they resort to the same bs these clowns in this sub are saying about "yOu cAnT bEaT tHe mArKeTs cUz lOoK aT aLl tHe fAiLeD fUnD mAnAgErS" lmao. I been beating the market for a very long time. It's not easy but it can be done. It's all about proper risk management, opportunity assessment, leveraging positions and having proper DD methodologies.

Trademinatrix

100% agree. On the dividends sub, if you are pushing SCHD, you will be deemed wrong and as someone who doesn’t know what he’s doing lol.

MotivatedSolid

Unless you're a sophisticated Investor, 35 securities is a lot. I'd do a mix of VOO and SCHD for a simple ETF mix. And keep some of the stocks you're most confident in. 43m is still a good age to have some individual stocks in the mix still. Once you hit your 50s will want to dial it back and focus more on dividend/value funds.

m98789

That’s already too much. SCHG for growth + SCHD for value/dividend is all you need. At your current age, I recommend still being more growth focused, e.g., an 80/20 allocation split on those. At age 55, rebalance to 50/50. At 65, rebalance to 90/10.

Adventurous_Sky_7936

Take an opportunity to learn when you are only down $10 bucks. Took me 10s of thousands before I really got serious. VOO is a long term play. Nobody is waking up the next day and retiring because their low cost index fund went to the moon. Millionaires are made over decades not over weeks. The general trend is up and to the right. Over a 20 year period S&P has been profitable 100% of the time. That said picking and choosing which 20 years the rate of return could be 5% could be 25%. NVDA has been going up fairly parabolic since the beginning of 2023. A single stock has more risk. Is it overvalued; truth is nobody knows but between those taking profits, those unsure, and those panic selling because it’s anything but nothing but gains; buying at the top or on hype comes with inherent risks. I’m heavily invested in NVDA through multiple index funds that said if you are DCAing into your position and have a 20+ year time horizon. Then cut out NVDA and build a foundation in VOO. If you are going to buy a single stock look into Warren Buffets strategy. Spoiler: it ain’t easy. What’s more he suggests the average investor invests in a low cost S&P index fund. If you want exposure to AI then look into semi conductor index funds SMT, SOXX, SOXQ…I own SOXQ which is about 12% NVDA, QQQM is about 7%, VOO is over 5%. Finally I’d suggest a 3 fund portfolio. Representing a foundation, defensive, and growth sectors. Foundation-VOO or VTI Defensive-SCHD or VYM Growth-QQQM or SCHG Bottom line don’t do what I did. If you want to maximize profits sacrifice your time to do your research. If you don’t then you’ll sacrifice your money to learn those lessons. Good luck!

doggz109

MLPs, BRK.B, and SCHD

LDeezzy15

If you want to invest in stocks that have less volatility look into dividend ETFs like SCHD. The price of the ETF doesn’t move very much but you’ll collect more in dividends over time. Lower risk lower reward.

Adventurous_Sky_7936

VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…

blazintacos

Absolutely is. Which 3 funds? I like VOO VTI QQQ SCHD. Some overlap there though so maybe two of them. I like QQQ and SCHD, they balance each other out, value and growth.

Realistic_Part_7725

BRKB SCHD and VOO. That’s all one really needs.

Realistic_Part_7725

I’d dollar cost average a set amount into ETFs/funds such as VOO SCHD BRKB DGRO SCHV. I specifically own 100% BRKB in my brokerage account (no taxation) and a mix of the others in my Roth.

Special-Economy3030

VOO & SCHD, I make boring investments after losing 30% of my portfolio to a First Republic Bank play last March.

RetiredByFourty

Want to retire early? Put those funds into SCHD and set it to automatically reinvest the dividends.

Flexorrium

Gotta put 5% into SCHD for the DOW Jones. Can't lose money in the S&P500 if you're only invested in NASDAQ & DOW!!!

Tavernman1

Without knowing her age or timeline, I would suggest 70-30 or 60-40 split of T Bill ladder and mix of ETFs SCHD,DIVO,JEPI,JEPQ,VOO/VIG

Cash_Option

SCHD QQQM buy every payday and chill

livemusicisbest

The Schwab money market fund pays a bit over 5%. Very safe. Her online broker probably has something similar. Park it there and interview a non-commissioned financial advisor who is a fiduciary— not a commission driven stock broker. No more “story stocks,” or other risky bets. SPY and VOO are great when you are younger and have a longer time horizon but safe income is best for grannies. I say this at age 68. Most of our money is in a Schwab money market account; the rest is in high-dividend stocks (or high “distribution” for MLPs) that I have researched and feel are very safe. I also have SCHD for some growth + income. Better safe than sorry.

CelestialHorizon

A general rule is as you age, and especially if you’re retired and have no direct income anymore, you’ll want a more dividend-based portfolio. That way, you can effectively take in dividends as a sort of paycheck, and hopefully, the balance remains constant, if not grows some in the account. IMO, if you’re not willing or able to do your proper due diligence on individual stocks (no, watching tv doesn’t count), you should leave your money to a low cost index fund. There’s a reason funds like VOO, VTI, and SCHD are so popular. It’s easy and generally captures most of the gains in the market.

giraffe86-a

I also think SCHD could be good for someone in their later years. Holds large companies and pays a nice dividend.

MadSnikt

SCHD

LonesomeBulldog

VGT and SCHD has minimal overlap and a 50/50 mix has historically has outperformed the S&P 500 while having lower drops in downturns.

Dougnifico

SCHG + SCHD is basically the S&P 500 with all the fat trimmed. Its a great combo.

aluna_tic

I’ve beat VOO for years with half VGT/SCHD 🤷🏽‍♂️

No-Improvement3164

SCHD looks like support?

BlackBastado-2124

I am working 2 hours of OT daily, and I’m using it to but QQQM and SCHD daily. Every 2 weeks my 401K invest $884 in the market. Every month I get my military pension and I dump all of it in the market. Set it and forget it, not wasting any more time trying to figure out this market.

Gsauce65

Seriously you should look into ETF’s like VOO, VTI and if you want to diversify with some others like VB, SPGP, XHB, VYM, SCHD etc. go for it but make sure overlap isn’t too much. Or buy blue chip stocks such as Apple, Microsoft, Amazon, META etc. if they pay a dividend then bonus to that. This is not investing advice but just what worked for me that also worked for others that helped give me advice when I started out. The meme stock stuff can work out but it’s rare and for the few. Trying to catch them at the right time is not worth it. If the AMC $$ is an amount you can stand to lose and you want to hold it then go for it but moving forward do your research on blue chip stocks or diversified ETF/index fund investments. There’s tons of info out there for you.

babarock

I like SCHG. Run a portfolio backtest to VOO VS SCHG and you will see why I run overweight on SCHG (I pair it with SCHD as I'm retired).

Pushinir0n

VTI QQQM SCHD for the next 20 years

_galaga_

To your other question, yes, you'd have to sell your VTI to buy SCHD. There's no alchemy to convert one to the other. Within an IRA, though, you don't have to worry about those tax implications so it's a non-issue. You'd face tax implications in a non-tax advantaged brokerage account.

jvillasante

Hello, I had a Roth IRA at Schwab of around 50K that I recently moved to Robinhood for the 3% match. The money arrived today and I'm thinking on how to invest it and forget it. So far this is what I'm thinking of doing: 90% VTI and 10% VXUS (I'm 40, will be adding bonds later). What do you think about those allocations, should I add bonds now? should I go with a dividends ETF instead? Would they make sense for a brokerage account also? Another question that is not clear to me is what happens if I want to change in the future my allocations? Let's say I have everything in VTI and I want to put everything on SCHD. Do I need to sell VTI to buy SCHD or is it possible to just converting? If I have to sell in order to buy another, will that trigger any taxes that I will have to pay at the time of selling? Is there a better way? Thanks in advance!

licgy

New to investing, 36 years old, I recently relocated to the US and have $650K to invest. I learned what I could in a short period of time and planning to have a professional assistant but I want to hear other opinions so maybe I will be able to tune it a bit in advance. It is also important to mention that I would like to play as safe as possible and focus on cash flow. I would like to invest it for approximately 20 years with DIP without taking any monthly income out. This is my current plan for the $550K: 1. 40%(220K) Qualified dividends - SCHD 2. 25% (137K) growth - VOO 3. 8% (45K) higher risk - JEPI 4. 7% (38K) market protection - HEQT 5. 10% (55K) Bonds - NNY (I live in New York, not sure it a good choice but I believe it is ok) 6. 10% (55K) Real Estate - VICI (45K) + O (10K) Any feedback is greatly appreciated!

Ok-Cauliflower1823

Hey all, I currently have only a 401k with company for the match. I am about to open a Roth IRA and am unsure of what ratio and exactly what to invest in, currently this is what I'm looking at doing, id appreciate any help or advice. I'm 33 and this will be held till retirement. VOO/VTI ? SCHD QQQM SMH Maybe VGT or MGK? Want to stick to 3-5 of them. Thank you!

Nramach

115k at 22 years is very impressive. So first of all - congrats on setting a great foundation. Here is how I would target the overall portfolio - invest in 3 funds. First - cash - keep about 2 months of expenses in an emergency fund. Second, build your foundations of about 40% of assets in an index fund ( VTI/VOO etc). Then build a dividend portfolio ( SCHD/ VYM) with about 25-30% of portfolio and finally a growth focus ( QQM/VUG etc) with the remaining. You can maybe put 10% in REITS as well for full diversification. Dividends and REITS go to your IRA/401k for tax advantages. All the best!

midimurph

I recommend starting with 100% allocation in VOO. I wouldn't overthink it past that if your just starting out with $1k. Setup auto invest for 5-20% of your take home pay into VOO no matter if it's going up or down. I do half of that 5-20% in my wealthfront HYSA for a guaranteed 5% return and quick access to my money in an emergency. don't withdraw anything until absolutely necessary. define your budget, automate your payments, and forget about. fine tuning your portfolio has minimal value when just starting out, but if you want to nerd out then look into some ETFs like QQQM, XLK, SPAXX, and SCHD.

Icankickmyownass

I suggested VOO or SCHD (if you’re stuck on dividends). Anything else aside from those or MMF is silly.

Icankickmyownass

VOO and SCHD. Don’t be fucking stupid. You’re down b/c you’re chasing dividends. SCHD for a lil mix of growth and divi’s. VOO for growth. Anything else and you’re doing it wrong per how you talk about the market

MikesMoneyMic

Tell your dad to dump that investment manager and do it himself. VOO QQQM SCHD is all he will need. If he wants a higher risk/reward add in a small amount of BITO (like 10% or less).

smdfire101

What's your opinion on DGRW? I recently started buying it in addition to SCHD to more diversify my dividend portfolio. Also thinking about adding Realty Income (O).

scientropic

If you’re investing in an IRA, I’m not sure that it makes much difference whether your returns come in the form of dividends or growth … you overall asset allocation is the more overriding factor. I share your concern that growth may be looking toppy. That said, it would be hard to go wrong with any of the growth funds from the major shops like Vanguard or iShares. The Schwab product might pair well with SCHD. If you go this route, you might mitigate the lack of dip concern by averaging in over a period of months or quarters.

GaylrdFocker

>At first I really liked $QQQ since it has had the highest returns out of the 3 **since inception** dip for these growth index funds recently  don’t want to lose money buying in at the top. These statement pretty much tells me you have no idea what you are talking about. QQQM is QQQ with a lower expense ratio. QQQ is set up as a Trust (UIT) and QQQM is an open ended fund. QQQ has been around a lot longer which is why the return since inception. You should just dump VOO/SCHD/SPYI and buy VTI/VXUS or VT. Don't want to lose by buying at the top? Who's to say it doesn't keep going up though? The market regularly sets all time highs. What is recently? They lost like 30% 2 years ago. That's very recent when you aren't gonna retire in almost 40 years.

DCFInvesting

I can’t say too much as my social accounts are monitored by my firm - so I’ll preface with this is my opinion only and not financial advice. I think you are spot on with your thoughts that you are 32 and can handle a lot of volatility. I’m not sure your SCHD is completely accurate in the sense that it is a “smart holdings account” - look at the S&P and SCHD during covid for example, both down 30%, and the S&P has recovered at a much higher pace than SCHD. I know a lot of people that swear by SCHD but personally I do not own it. At the end of the day I think both options you laid out for yourself will do you just fine. If you’re really interested, go to Portfoliovisualizer.com, that’s a free tool where you can input both portfolios and see how they have done historically.

crazybutthole

It doesn't have to be 40/40/20 You could easily do VTI 25% QQQM 25% VOO 25% VXUS 13% SCHD 12% It has a lot of overlap - but who cares? It's a great portfolio and not too much thought to put into it.

signo1s

So for me I am kinda thinking either 50/50 VTI/QQQM or 80/20 VTI/VXUS or 100% VTI? Also saw a guy on youtube sayins 40/40/20 VOO/QQQM/SCHD any thoughts?

SnS2500

Given what you said, get rid of SCHD. Lame return currently, with risk. There are other not very volatile ETFs that have a better return like COWG or COWZ, or get SGOV and lock up a 5.4%ish return that is totally liquid with zero risk. For the second one, VXUS has been doing pitiful because of its China holdings. If you want international, find ETFs with little or zero China exposure, at least as long as both American political parties are trade warring on China. > and then not looking back Always look forward, but don't make yourself a slave to your previous decisions. You can always change your mind if you decide to do something that makes you happier.

Kraftwerk123

38, USA Not a whole lot of time on my hands working, married, 2 kids. Have a 401K through work, with employer match at 5%, currently contributing 7%. Have 2 UGMA's for kids contributing $100 a month to each, only holding FZROX in there. I have a taxable account, with only ITOT in it, contributing $200 a month to that, while $200 stays in the SPAXX account for "just in case". have a HSA through work also, contribute $200 a month to that as well. My Roth is where I am iffy on, have been contributing full amount for the last 5 years. But have moved what's in the Roth around here or there. My question is, the Roth currently holds SCHD, FDEWX which is a target date fund, and FSKAX. Is it worth while to keep this target date fund in there? or just move all that into FSKAX which has out performed the target date fund for quite a while now. Both have almost the same amount contributed, while FSKAX has "grown" about $4000 more over the course of a few years. I try to keep everything "set it and forget it" and just check on each every other month. Just not sure if its worth the growth to keep the target date there, and move that money into FSKAX or not. Any info/help would be greatly appreciated.

shaggy98

Which one of these 2 portfolios is better for a person in its mid 30s ? **VOO 25%** **VONG 20%** **SCHD 20%** **VGT 10%** **VXUS 25%** or **VONG 25%** **VTV 20%** **VNQ 10%** **SCHD 20%** **VXUS 25%**

Royal_Parsley_2149

VOO and QQQM are highly correlated and very tech heavy. I would look at diversifying a bit more and consider ETFs that cover other sectors and regions. You can also balance your portfolio by buying say 20% of a dividend ETF such as SCHD to enjoy monthly dividends that you can reinvest while providing better diversification and protection against events impacting the tech sector.

Royal_Parsley_2149

VOO and QQQM are highly correlated and very tech heavy. I would look at diversifying a bit more and consider ETFs that cover other sectors and regions. You can also balance your portfolio by buying say 20% of a dividend ETF such as SCHD to enjoy monthly dividends that you can reinvest while providing better diversification and protection against events impacting the tech sector.

RedTruck1989

INVEST in SCHD on the dips and don't touch. Take a small % to gamble WSB style in a different acct and let the rest continue to grow.

CYCLE_NYC

it's really the easiest thing to do. Buy index fund ETFs like VOO,VTI, SCHD and put is much money in as possible and let it bake for 10,20,30 years

Zitro11

I’m relatively new to investing, but my company issues RSU’s as part of our comp. Long story short, I have almost 1200 shares of a limited growth potential company sitting in my brokerage account. Does not pay dividends, currently trading around $48/share. I likely won’t touch any of this money for at least 3-5 years, and then intend on selling it to fund a project. Should I eat the tax cost by selling it all now and putting it in something that actually has gain/dividend potential like SWPPX or SCHD, or is there any reason I should hold and just sell the existing stock when I need the money? I feel like I’m losing out by having all this stock that isn’t growing much and pays no dividend sitting there. Any help in understanding the tax implications of selling once vs twice is appreciated

Dougnifico

Just check. Easy. It's because SCHD has consistently out performed SCHV.

amg-rx7

With the portfolio allocation you described (small cap, mid cap, large cap etfs), it effectively sounds like you are buying the whole market. At that point, I'd go over to portfolio vizualizer web site and back test your proposed allocation to owning VTI. Although, some of you chosen ETFs don't have enough history to go back very far so I'd maybe substitute an equivalent ETF for the small and mid cap for the comparison. At 26 yo, I'd do VOO and VGT 50/50 - and maybe add in a small bit 10% of a dividend ETF like SCHD for years like 2022.

Comprehensive-Ad8905

How would I be prioritizing dividends by going with SCHG? The dividends are less than with VOO. I think you might be thinking of SCHD.

LonesomeBulldog

If you want to be tech heavy, do a 50/50 split between VGT and SCHD. There’s minimal overlap between the two funds and that mix has historically outperformed the S&P 500 and has had less of a drop during downturns.

rover_r

Poor decision, especially with the stocks you have selected. You get one year like we had in 2022, your portfolio will sink. Stick to what you have now: ETFs. VOO/SPLG, VTI, SCHD etc.

BigSteve414

The run up in the SP500 over the past several years should warrant caution. And let's not forget the lost decade of 2000-2010. We had the tech meltdown in 2000-01, then the housing/mortgage/banking meltdown of 2008-10. I'm taking some profits right now, lowering my allocation to stocks, and swapping some growth stocks (like SCHG etf) for SCHV and SCHD etfs (value stocks)

wyo45

It’s totally confusing how they do it. TD was so straight forward and easy to track. I’ve been trimming my SCHD position since I’m up a lot from an average in the 60s. If I was still in TD I’d see my cost basis going down with each trim. But with hood it just stays the same. I’m Just trying to understand how the 2 methods balance out.

LightTheBeamTeam

SCHD in a tax advantaged account and chill.

OtherwiseAd5003

SCHD only goes back to 2012, but you should be able to backtest it with portfoliovisualizer. SCHD has been increasing their dividends because the underlying stocks they hold has been increasing dividends. SCHD itself is basically just large cap value dividends stocks that track the DOW dividend 100 index.

lakas76

Dividend stocks should be treated as regular stocks. Not sure why people hate them or love them. They go up in value? Great. Their financials are good. Go down in value? That sucks, financials are bad. SCHD has been pretty close to VOO since its inception, that means it’s a good fund. Depending on where it was bought (brokerage, IRA, etc.) there isn’t much difference between SCHD and VOO in regards to returns.

itspastmybedtimeee

Hello everyone, I'm pretty new to investing and just opened a vanguard account last year following my 18th birthday. I have a regular brokerage account and also a roth ira opened. I have about 2,000 in each but only a few hundred actually invested so far as I'm still deciding where to put it. I will also continue to add more funds whenever I get the chance but I do not have a job or steady income, just inheritance + allowance from parents, but if I do get a job down the line I will make consistent contributions. Since I'm young I keep seeing people say I should be able to take more risks but being a full time college student, I've found it difficult to find the time to learn about investing and keep up with individual stocks so I think I've decided I won't be investing in any individual stocks or anything that requires a lot of research or to be watched closely. But I was wondering what should I be investing in then? Up until this point I figured I would invest in mostly index funds like VOO, BND, VT, VTSAX, SCHD, and QQQ since they seem to be the safest for a foundation, but I don't know where to go from there. Is it okay to have a portfolio of just index funds? Will that do me any good? Are there other things I should look out for? My intentions with the money I invest are most likely going towards retirement in 40 years or maybe to buy a car or house way down the line. Also should I consistently make small investments every month or should I wait for a dip in the market to buy in? I've seen most people say to do the monthly investments since it will most likely average out but at the same time I feel like currently the market is at an all time high and I don't know if that's smart? Thanks for reading and I appreciate any advice!

CardinalNumber

I don't know if you're ready for this but here goes... you're gonna have to sell some $SCHD and then, believe it or not, buy some $NVDA.

CYCLE_NYC

I disagree I own a lot of SCHD and I really enjoy the drip factor. its helps automate things for me. Also you should not really be picking individual stocks...bad idea for most.

kpat77

Or just pick $VT which has everything that’s in $VOO, $SCHD & $VTI.

brianmcg321

No. Worry about total return. Pick something like VTI. It has everything that’s in SCHD anyway.

zel_bob

Hmm that’s pretty interesting. Basically have no “safe” investments. I have a regular brokerage account that is 75% QQQ and 25% SCHD.

the_fozzy_one

Check out this video on combining the two ETFs SCHD and VGT: [https://www.youtube.com/watch?v=uRAts4y1hXI](https://www.youtube.com/watch?v=uRAts4y1hXI) I think it's a really interesting strategy that I may make my own sole focus going forward. Whatever you do, some form of ETF investing (e.g. VOO, VTI, BND, etc.) is what you want to be focusing on.

Glockman19

Safest way to do dividends is to just buy a dividend ETF like SCHD or VYM. I wouldn’t be buying individual stocks for dividends.

Ok-Manufacturer2475

You are not risking anything if you buy a dividend ETF that filters and kicks out companies that do not do well and will drop dividend. The idea that dividends is a risk is actually ridiculous as it's is actually more safe as dividend paying companies are usually boring stable companies that do well and pay out consistently. Yes you can make $200k in the long run or what if that's not your goal. Every one has a different goal in investing. Let's say you just retired and you have 1.5 mill in your growth stocks and you are retiring. The market crashes and drops by 50% do you want to be taking out shares right now? Prob not. But you are retired so you have to. In the same note. SCHD will give you roughly 13k every quarter with that amount. Even in a market down turn. If you check SCHD or similarly VYM etc you can see that it did not drop as much as VOO during the COVID dip. So if you actually have to take out a larger amount for an emergency you will lose less. However if you are young in your 20s-30s and you have 20-30 years to go. Then this strategy doesn't make sense as it's better to have more growth. It's not just one is better than the other because over all return. It's about where you are in life and how you want to base your strategy. The problem with reddit is that it's filled with new investors in their 20s who only saw the tech boom and think all money in growth. Well if you are retiring you don't have much room for growth and that's totally fine.

TakingItSlowYaKnow

$VOO and $SCHD, enjoy your early retirement.

lorenzchaos

Lol, there are a ton of post to buy stock etfs from people who have no idea but heavy FOMO. Some even call it safe (you can always ride it out and 10% guaranteed return (or may be just 9 is also ok) "long term"). Hell let's party everyone! Welcome to VOO and SPY and VTI clubs or maybe SCHD is your kick? Just don't be the last guy we need more people in to keep it going! Is this the TOP yet???

taxotere

I know my beef is with youtubers posting videos titled "How YOU can get 4k/month with DiViDeNd GrOwTh InVeStInG"...which after 10 mins of glossing over points which have been made a thousand times already amount to "have 1mn in SCHD ggwp LOL" My other beef with dividends are the people who have watched but not understood Ben Felix's great videos and parrot "dividens ar irreverent" like broken record...sheep...thingies.

zendaddy76

I was 80 voo 20 vxus until the fed announced rate cuts probable in 2024, so now I’m 75 vti 5 avuv, 20 vxus. I do play around with individual stocks in my taxable, but that only represents 2% of my NW currently. I do like SCHD, will probably use it closer to retirement (don’t pay attention to dividend but rather overall growth, for example SCHD might have 1.5% more dividend than VOO (just ballparking, haven’t looked it up) but VOO may outperform SCHD by 2% or more over long time horizons (again, just ballparking here), and since you can tax harvest gains at 0% in retirement vs paying high taxes on dividend income now while you’re still working.

Known-Jacket-8995

Yeah that does make sense. I just like the idea of the passive income from the dividends with SCHD. Would it make more sense to hold VOO, AVUX, and AVUV. Majority being VOO and maybe 10-15% into AVUV due to the higher risk? What percentage for AVUX? I appreciate your feedback

zendaddy76

SCHD and VOO have a lot of overlap, VXUS would give you some international exposure. Since you’re young, I personally would tilt growth over value for the long term.

Known-Jacket-8995

I think I’m going to invest 10% into AVUV and 15-20% into SCHD. Thoughts? I like the exposure into the small cap.

Psionichawk

Things that could compliment VOO VXUS - International exposure VB, VBR, VBK - small cap funds to go with VOOs large cap SCHD - more focused on dividend and different style of investing, historically a strong performer but has lagged in 2023 as it didn't have the magnificent 7

vanshsofficial

VOO: Vanguard S&P 500 ETF VTI: Vanguard Total Stock Market Index Fund ETF VEU: Vanguard FTSE All World ex US ETF SCHD: Schwab US Dividend Equity ETF VTV: Vanguard Value Index Fund ETF

vanshsofficial

VOO: Vanguard S&P 500 ETF VTI: Vanguard Total Stock Market Index Fund ETF VEU: Vanguard FTSE All World ex US ETF SCHD: Schwab US Dividend Equity ETF VTV: Vanguard Value Index Fund ETF

NArcadia11

I pair it with VUG, and to a much lesser extent, SCHD. But full disclosure, I don’t know what I’m doing.

Realistic_Part_7725

VOO(or similar), BRKB, SCHD(or similar). I don’t think we can underestimate the power that Berkshire possesses with its nearly 200 billion cash on hand, insider information, newly initiated stock buybacks, and defensive properties. Some combination of this mix.

Peasantbowman

TSLA. Once I retired last year moved most of my money into etfs like VOO, SCHD, and JEPQ. I guess JEPQ is my second my risky play.

RedToolsRCool

Each brokerage is different. Fidelity allows you to set ETF's or mutual funds as auto recurring investments, so you can auto-buy either one at Fidelity. I have a ROTH account at Fidelity and have it set to auto buy a mix of funds each week, including VOO, AVUV, SCHD, etc.. set it and forget it.

leeber27

I appreciate the input, thank you! Any suggestions on a bond fund to replace SCHD? And you’re correct; I meant to type traditional 401k - my brain got ahead of the keyboard. Thanks for looking out for that too.

wild_b_cat

Your 401k allocation is pretty boom-or-bust. Regarding SSO - there are a lot of scenarios in which a whole market fund like VTI will outperform it - leveraged ETFs are tricky and can underperform for years after a crash even if the underlying recovers. If you really want to counter-balance it, don't use something like SCHD which is also correlated - use a bond fund. And are you really all Roth outside of the HSA? Almost nobody should be 100% in Roth.

leeber27

Hey yall, How are my portfolios? Roth 401k: 33% SCHD 33% SSO 33% VIG Roth IRA: 65% VTI 35% VXUS HSA: 100% VT I have a personal fund as well, that is all heavy risk (money i’m OK with losing) that, funny enough, has performed better than these. Just want to be sure i’m not overlapping too much. my goal is to have growth with medium risk and have a solid dividend foundation so eventually I could live off of it

PumpkinHistorical548

I am seeking investing advice for a few of my Canadian accounts: TFSA (Tax Free Savings Account) & RRSP (Registered Retirement Savings Account). I have done my fair share of research and while there are many options available to narrow it down to the top selections for my portfolio's are difficult. A quick background on myself to perhaps aid in the selection.. I am turning 40 years old in May. While I started investing in my 20's unfortunately major life occurrences happened which forced me to start over these past 5 years in most areas. I do have a mortgage thankfully which is low in consideration to the market. My career is solid and my pay is great as a Electrical Foreman. Though I've lost time in investing having to start over again in my life and I can make it up somewhat by being able to put larger amounts of money into these accounts. The core ETF's that always come up are VOO, QQQM, SCHD, SCHG, VTI & XEQT. My goal even if I'm a bit older is growth for now and perhaps aim for some dividends. My thoughts were to separate the TFSA & RRSP accounts into two separate portfolios using different ETFs and or stocks. I'm looking for opinions on combinations of etfs and/or stocks for each or even just a single etf. The only difference between the two would be the RRSP is that it would remain untouched and the TFSA maybe I would occasionally use a little or the growth for something but then recontribute back into it as it's allowed. All input is appreciated!

PumpkinHistorical548

I am seeking investing advice for a few of my Canadian accounts: TFSA (Tax Free Savings Account) & RRSP (Registered Retirement Savings Account). I have done my fair share of research and while there are many options available to narrow it down to the top selections for my portfolio's are difficult. A quick background on myself to perhaps aid in the selection.. I am turning 40 years old in May. While I started investing in my 20's unfortunately major life occurrences happened which forced me to start over these past 5 years in most areas. I do have a mortgage thankfully which is low in consideration to the market. My career is solid and my pay is great as a Electrical Foreman. Though I've lost time in investing having to start over again in my life and I can make it up somewhat by being able to put larger amounts of money into these accounts. The core ETF's that always come up are VOO, QQQM, SCHD, SCHG, VTI & XEQT. My goal even if I'm a bit older is growth for now and perhaps aim for some dividends. My thoughts were to separate the TFSA & RRSP accounts into two separate portfolios using different ETFs and or stocks. I'm looking for opinions on combinations of etfs and/or stocks for each or even just a single etf. The only difference between the two would be the RRSP is that it would remain untouched and the TFSA maybe I would occasionally use a little or the growth for something but then recontribute back into it as it's allowed. All input is appreciated!

drogods

Why not move to a stable dividend fund like SCHD?

motleyorc

If you're looking for growth you shouldn't be holding dividend stocks like SCHD, go for a stock market ETF like VTI or VOO.

Zealousideal_Plum866

**Roth IRA:** 50% VTI; 30% SCHG; 12% GOOGL and AMZN; 8% SCHD. **Individual Acct:** 33% SOXQ; 31% GOOGL and AMZN; 11% SCHD; 9% XLK; 8% QQQM; 4% VONG; 3% FBTC. ​ 29 years old. Currently contributing $300/week.

Legitimate_Cod_3322

COWZ or SCHD are great value etfs. Now risk look at SGOV or TFLO