SCHD

sqenchlift444

What balance? VT has basically everything in SCHD and VTI

felixA1

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

Little-Zebra-4492

Solid choice! But maybe mix it up with VTI and SCHD for a bit more balance in your portfolio.

gstanleycapital

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!

yatruthordare

SCHD?

figuring_ItOut12

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. ;)

figuring_ItOut12

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.

NomSaneMan

Who else bought to get these fucking DIVIDENDS on Monday from SCHD!!!

harrison_wintergreen

>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

NomSaneMan

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

sidestyle05

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

sidestyle05

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?

Heyhayheigh

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!!

AngularOtter

Looks like it’s time to put away the nose candy, move to Florida, and park all my money in SCHD

Appropriate-Past-537

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

InvestigatorPlus3229

SCHD is only for those who won big on mag 7 and need to diversify

EmpathyFabrication

SCHD around 4% yield now looks more attractive

Organic_Tone_3459

I am moving money into SCHD and the DJIA index for this very reason. Also got some money in Energy positions

FluidCalligrapher284

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).

tomtim90

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.

tomtim90

5M? Put it all on SCHD and live off my dividends.

TheInkDon1

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.

New-Parking-1610

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

jaajaajaa6

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.

CynicalSage-

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..

qi2016

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.

Machine8851

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

MediumLanguageModel

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.

Maruman_man10

why not buy an SCHD or like since they would have no pension income

Maruman_man10

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

Secret_Pen_9712

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.

jerseyben

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.

GaylrdFocker

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.

stealthlysprockets

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.

LonesomeBulldog

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.

Narrow-Ad-7856

Tell your parents you're only going to invest in broad market ETFs like QQQM, SCHD, and VOO. See if that will convince them.

The_Worst_Trader

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.

Maakus

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.

Mantissquirrle

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.

Slightly-Blasted

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

juugcatm

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.

Ok_Valuable1572

SCHD is completely irrelevant if you already have a total market index.

PragmaticX

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.

Aevaris_

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.

Dense_Ostrich_6077

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.

Historical_Low4458

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.

MCB1317

Amazon is up 10.25% over the past year. So ... more than five times better. SCHD has been pure trash.

MCB1317

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.

dyinaintmuchofalivin

What point are you arguing exactly about the S&P? I don’t own any SCHD as I don’t care for their methodology.

AICHEngineer

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.

SirGlass

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

SecondSt4ge

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.

FRNAP13

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.

truedog1528

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.

Iunatic

This is the average r/SCHD poster

therealjerseytom

My thought process and approach combines a couple things you've touched on. I have one taxable brokerage set up as a short-term/defensive portfolio. I initially considered what you're doing with 3-4 years in a money market, but I felt like I didn't need to be quite that conservative. I have *one* year of essential expenses parked in a rolling ladder of treasury bills, and then 3-4x that amount in defensive investments. Those investments include various flavors of municipal bonds, a broad taxable bond index position just for diversity's sake, lower-volatility/dividend-yielding ETFs (HDV, SCHD), and defensive sector equity ETFs (XLU, VDC). My money market position, that those investments drip into, is then just a discretionary pile of cash that I can do whatever with. Maybe go towards my long-term investment account, or cover expenses, home improvement, vacation, etc. The intent is to eek out a bit more return than a money market, and give up some long-term total return in exchange for stability, while being relatively tax efficient (qualified dividends, and tax-exempt bond interest).

Iunatic

The problem is that you have to be sure of such a drawdown occuring, and even then SCHD doesn't really offer any better downside protection in a market selloff compared to SPY. They basically fell the same amount in 2022 and 2025 but SPY/QQQ rebound much harder. SCHD has been flat for half a decade. If you are 70 years old I could maybe see the justification but otherwise just buy and hold SPY, and add QQQ on dips

Pretty_Ad_7885

Why does SCHD have so low PE? I know few years ago everyone was spaming it as the best dividend etf, now it has fallen out of favor

Ok-Wolverine-4223

SCHD has been terrible this year. Maybe they will fix it when they reconstitutes again, but I would stay clear until then.

PashasMom

Chiming in with the "dump SCHD, DGRO, and BND" folks. These are not what a young person needs to grow their portfolio for retirement. I know you say you like the criteria used to pick the holdings in SCHD and DGRO and you want to favor those types of companies. That's value investing and it can be a good choice. But you have better options than SCHD and DGRO. Check out: RWL, VTV, FFLV, DVY, CGVV, and PVAL. I own PVAL and love it, but think all of these are great value funds. Also, you haven't mentioned this aspect of your plan, but if you haven't already, I would ditch Robinhood for Fidelity, Schwab, or Vanguard. Robinhood may have a great interface and some excellent features, but it also really tends to gamify investing and lure people into risky and advanced stuff that can get them into trouble.

BeneficialQuality899

I’d go VOO, FTEC, and SCHD/DGRO

Ok_Valuable1572

Dump SCHD, DRGO and BND. The first two is all you need during the accumulation phase of your investing journey. When you retire add a little of BND and then your set.

teckel

If in your 20s, I'd swap out SCHD for SPMO

Zoriontsu

SCHD

kvz911

I completely feel you !! I sold all my S&P at close break even, I don’t want growth and more money right now instead my priority is not to loose money. I’m only doing value & dividend investing like VTV SCHD & don’t have Mag 7. I’m happy with the slow and steady return. Please do your own research. This is not a financial advice, and I am not a financial advisor.

Tasty-Area-7507

I invest biweekly 250$ and this is my split. Should I change anything. I am only interested in long term investing GLD: 25$ SCHD: 25$ VOO: 25$ VWO: 25& VTI: 100$ VXUS: 50$ I want to have a more diversified portfolio just not sure how to do that. I usually lean more towards tech stocks but want to also get into green energy and bonds.

Mrrippey

Moving all my money to VTi or SCHD and going to play golf. Fuck this market playing….

sirzoop

Dividends are worthless and they do not indicate financial strength. It is a common misconception that academia teaches you that is not true in the real world. If you don't believe me, go look at how SCHD (dividend focused etf) has compared to VUG (growth etf that barely pays dividends)

sirauron14

I hold VTI and SCHD I just bought a lot of VTI too

BigSteve414

How is SCHD still a thing with so many younger people, with its abysmal performance the past 3 years??

Mammoth_Drop_5486

Hey bro I think I’m around your age (slightly older) but I’ve spent a considerable amount of time researching this stuff and investing. Definitely get out of SCHD. You don’t need an advisor if you keep it simple: some in VOO, some in QQQM, and maybe pick one more ETF for international diversification. That’s it, if you don’t want to always be managing your money. No need for a fiduciary advisor unless you want the security of having that sort of “professional” opinion

Meanboynetworks

I am, but in stocks that are at a normal p/e like CAG , HRL, bax, or any other stock that is being looked over. There is so many stocks that need some attention even ETFs like iwm and SCHD. People need to look into these and not just buy into the shiny objects. Save your portfolios. Longer looking profits are the way.

Sufficient-Curve-853

I dunno - just used ChatGPT and felt like I accomplished more than I expected to - then checked NVDA after hours, currently about +5%. I would love to see Burry on CNBC. Another thing to consider 1 yr returns FTEC vs. SCHD (almost no tech) +20.7% vs. -5.97% - that is like real lifestyle differences returns. lol!!

PlentyArmy2411

They told me SCHD was the safest 🤡

matt2621

You're in your early 20s you don't need a single dollar in SCHD

plasticbug

VT - indexed asset appreciation BND - some bond exposure adds stability to the portfolio SCHD - long term dividend growth

No-Improvement3164

I say raise rates. Even at these levels HYSA outperforming RSP SCHD IWM.

be_like_bill

What you're saying is better achieved through factor investing. Basically, you keep VOO/VTI as a major portion of your stock investments, and then add tilts like value, dividends, small cap, sectors like real estate, etc. So you can have something like 50% VTI, 20% VXUS, 10% VTV/SCHD, 10%VB/VBR, 10% VNQ, etc. That way you still get some gains from growth/overall market, but tilt your investments to be less top heavy.

alone-in-the-chat

even SCHD tanking

LucreziaBorgia210

SCHD is good for people with lots of money. Do SCHG

Beitasitmaybe

I also recommend VTI VXUS BND + GLD + FBTC + BRKB and if feeling conservative, SCHD

minimorsels

If you want my personal thoughts If you know absolutely nothing Find a good ETF (VOO, SPY, SCHD) Find a blue chip company (Apple, google, nvidia, amazon) Find a speculative and limited hedge (Gold, silver, palladium, btc) Buy regularly with a reoccurring investment and forget it

Severe_Ocelot_2783

Behavioral controls are important too. To help mitigate my losses I only re-gamble half of my winnings from options. The other half buys SCMB to set aside my taxes and SCHD/JEPQ for the rest to give me dividend yielding assets. I can go to zero on all my options money and be forced to wait for a dividend to start gambling again. All trading is just psychological. The numerically optimal thing to do just pushes you to take risks.

RefrigeratorOld9094

Im 24 what should I do Qqq 55% Spy 10% Jepi 15% O 10% SCHD 10%

Safe_Drive_7871

Personally I would buy SCHD for dividend and growth with 4k and trade higher time frame order blocks with 4k, do whatever I want with the rest. Done.

AICHEngineer

Even the *most* conservative timeline to retire like retiring in 1966 and living through the worst period of inflation and poor market returns in the 1970s, still youre fine withdrawing more than a fund like SCHD offers today. And in every other scenario without that inflation rate for a *decade*, youre living off way more. The dividend only investor in that timeline? Constantly eroding purchasing power, because the dividend growth in inflation adjusted terms is *negative*. Pray you dont live in high inflationary times, or youll quickly figure out that SCHD (the sweed summer child that only existed 2011 onward) or covered call ETFs wont keep up. They wouldnt have in the 70s.

db_deuce

I view it more a toggle between risk on and risk off. Risk off means more T, VZ, Bonds, SCHD, etc. Risk on means more Sofi, NVDA, TSM, AMZN, etc. For the 401k, just put it in a low cost index fund. Most people starting in the 401k never have enough money to play the timing the market thing and it's meant to accumulate and invest relentlessly.

Uisce-beatha

Yeah, I just started a Roth in hood for that 3% match on Oct. 30 and take away the 3% match and the portfolio is down 1.96%. Still have $3200 on the sidelines waiting but I only have until eoy. Playing this like my 401k so ITOT, IXUS, AGG, SPY, QQQ, QQQI, SPYG, WMT and SCHD

lotoex1

SCHD. It has been flat for a year. I buy almost 10 shares a week.

oldirishfart

SCHD was green

Call_Of_Dookie

Full porting into SCHD

EffectivePoet4572

wow the tech market is cooked, game over. SCHD bulls report in

AlGAdams

PFE, SCHD for me lol

Interesting-Power-69

At least my SCHD is green 😂

RS3RRL

Sad day when SCHD is my top performing asset.

Pretty_Dragonfly_716

SCHD, TLT, SGOV for 10k

db_deuce

It's a bad idea generally. Wealth manager makes a fee from the assets being managed and also buys into products that derives commissions for them (And in which case you are really paying the commissions). The complication is really unnecessary and it designed not to beat the market, but designed to give you some income and string you along for many years, paying multiple fees for a long time. Just buy low cost index like VOO, SCHD, etc.

Spinlock72

I know this is late, but why are we comparing an Income ETF to a Growth ETF? This is the kind of thing people say about SCHD and compare it VOO and SPY, which doesn't really make sense. Also the WEEL ETF is there if you don't want to or have the time to actively do the Wheel strategy.

tmrch

Thank you for the feedback! I'm 33 so I'm open to replace SCHD. Any suggestions?

TestingLifeThrow1z

Replace VOO and AVUV with VTI only. Replace SCHD with anything growth orientated really unless you’re over 35 or something. It’s nice overall.