SCHD

SalaciousSubaru

Selling all my O and SCHD

dansdansy

SCHD, wouldn't be buying XLE here

Apart_Lab7069

what about 60% of your asset into (DIVO, JEPI, SCHD) and 40% into allwather portfolio

No-Dust-1722

It’s going to be hard to beat 4.6 right now with anything that approaches “safe” in this market, at least on a time horizon like 8 years. Volatility is pretty wacky right now and there is a lot of concern for market corrections and pullbacks. That being said, I have part of my savings in higher-yielding ETFs and equities that I’m betting on not totally crashing in a down-turn. SCHD, AGNC, and VXUS are a few of them off the top of my head. I’m always at least half SGOV though.

Aggravating-Let-2968

I just recently moved my IRA from Victory to Schwab. Mostly for similar reasons. If you want to stay at Victory look at USNQX or USIFX. USNQX has a lower expense ratio than other Victory funds. USIFX was my best performing fund. I wanted exposure to ETFs and not be limited to Victory mutual funds. I have 15% in SCHD now,

Fresh-Coach5838

Hey, I get where you're coming from with wanting to switch from USCRX to SCHD. It definitely seems like a smart move to lower that expense ratio and diversify your portfolio. One suggestion is to consider adding some international exposure too; maybe look into an ETF that focuses on foreign markets. This can help balance out your risk even more. Also, think about setting up a portfolio tracking tool to keep an eye on your allocations over time it's super helpful to see how things are playing out. Good luck with your move! Try the free risk check here: [risk.guardfolio.ai](http://risk.guardfolio.ai)ת if you want ongoing monitoring/alerts, the full platform is [Guardfolio.ai](http://Guardfolio.ai)

Little_Try_6502

Dividend reinvestment. It’s boring BUT it’s stable. You make profit on something else you buy more shares of a dividend stock then you always have cash. I’ve been there and been greedy. If you 100% want to win but good stocks when they are down little by little and wait. Take profits. Hide profits away. Be rich. Or just take a paycheck and buy SCHD and hold.

HeavySink3303

Any value or dividend focused like VTV, VYM, SPYD/SPYV, SCHD and so on.

Minute_Plastic_350

My bonus from work hit and my retirement will have a nice little chunk of change in it so I will be plowing into SCHY,SCHH, SCHI, SCHD. Reinvesting every single penny I figure I have about 3 to 5 more years of working left and then I’m done DCA all the way.

Nukemind

This is what I do. It's like 5% of my portfolio just as a boost. And only ones which don't erode NAV. Primarily in VOO, BRK, and VT, along with SCHD.

dogs_gt_cats

Covered call ETFs aren't a "bad" investment per se, but they really only function well in a sideways market. You really should understand how they work, ideally by placing a fee CCs yourself that have ended positively and negatively to really grasp their limitations. Basically upside is always limited, downside is not. You want the market to go sideways so your capital is preserved and you just collect premium. There is real income, but it requires specific market conditions. Not something you can really set and forget. Agreed on REITs tho it is important to recognize they aren't going to give you qualified dividends, so you pay a larger tax bill on them. For income focused index funds there's also stuff like SCHD and SCHY which follow the dividend aristocrats US/Ex-US. An alternative for reits that is worth exploring is real estate syndications, but they lock up your money for potentially a long time before you start getting returns. But you get all the benefits of a REIT plus since you actually own property you get capital gains, get depreciation, and the ability to do a 1031 exchange. There are higher barriers to entry (qualified/sophisticated investor). Bonds aren't necessarily bad either. Something like SGOV gives you monthly ROI, and is tax free. Mini bond funds for your state are likely the same, but probably have a lower ROI.

Good_Ride_2508

>The main objective would be consistent income with relatively low risk, while still allowing the portfolio to grow over time rather than purely maximizing yield. Answer: * **Dividend**\-focused stocks or ETFs for a balance of income and growth * Review SCHD !

STierMansierre

My plan was to basically switch to a mix of bonds and dividend funds in retirement, we'll see if that evolves. For now, I keep a small piece of SCHD in the IRA. It has done OK for growth, one might argue current events have been favorable for it, but ultimately those kind of funds aren't built for growth so much as paying steady dividends as the names imply. This is kind of why I view it as more of a retirement parking space. As far as current strategies, I think the Trump eras have historically been volatile times so my expectation is to continue buying the stagnation and corrections and hopefully reap some sweet DCA rewards.

DifferentSwing3149

Thanks for the advice. The overlap between SCHD and VIG does exist but it's not that bad. 12% by weight - https://www.etfrc.com/funds/overlap.php

durian_spoon

The 55/15/30 split is conservative but you're retired — conservative is fine. Moving CDs to intermediate bonds as they mature makes sense for yield pickup without adding real risk. JEPQ and GPIX are earning their keep in sideways markets. The only thing I'd watch is overlap between SCHD and VIG since they fish in similar dividend-growth waters.

Jidolman077

Pop = go down? What is SCHD I really appreciate the advice bro, it’s for sure a low point but NEVER the end!

Little_Try_6502

Just follow the trends bro. SOFI is about to pop. Keep your cash in SCHD for the dividends so you always got cash to invest in stuff.

Signal-Shoe-6670

Honestly this already looks pretty thoughtful. 55% equities / 45% defensive assets is a pretty common range for someone a few years into retirement, and having a 30% cash buffer gives you a lot of optionality during volatility. One way I tend to look at portfolios that helps simplify the overlap question is thinking in “sleeves” rather than individual funds. For example something like: • Core market sleeve – broad exposure (VOO, VTI, etc.) • Income / dividend sleeve – SCHD, VIG, JEPI style funds • Ballast sleeve – bonds, CDs, cash • Optional satellite sleeve – anything tactical or opportunistic When you zoom out that way, some overlap between funds matters a lot less, because the job and intent of the sleeve is clear. The sleeve structure also makes rebalancing easier since you’re adjusting exposure at the sleeve level instead of constantly swapping individual funds. From what you described, you already kind of have that structure forming naturally — especially with the growth vs dividend split and the large cash reserve. Your plan to gradually move CD maturities into bonds also sounds pretty reasonable.

QuickInvestIQ

Your allocation actually looks pretty reasonable for someone in retirement. 55% equities gives you growth to help offset inflation, while the bonds and cash provide stability and liquidity. The only thing I might question is the overlap in funds. VOO, SCHG, SCHD, and VIG all hold many of the same large companies, so you could simplify without changing the overall exposure much. Also, with 30% cash you already have a strong buffer, so gradually shifting some into bonds (like you mentioned) could help generate a bit more income while keeping risk moderate. Overall though, it looks like a balanced and thoughtful approach.

zendaddy76

I’m mostly VT with some SCHD and SMH. Down 3-4% from recent highs.

thiagopuss

During 2018 and covid, I hid my investing head in the sand in bonds and cash. Failed to invest during the dips. But...I'm ready now. Loading up on SCHD and FNDX.

FarWay9137

SCHD boomers doing good

iFiredIce

Know it's a bit of a weird ask but if SCHD could moon for me so I can gtfo these calls that'd be reaaaal tight

kinkycarbon

I’m not worried about this because my Roth and 401k are on autopilot for weekly contributions. I’m running an experiment right now for the past 6 months with 72% in a bunch of mutual funds/index like SCHD, SCHG, SGOV, SHLD, and VGT. The rest is in stocks. Basically confirmed tossing money into index funds is good for controlling downturns without incurring greater than 8% losses on a single position.

Fhyzikz

SCHD out of those. Reconstitution later this month looks bullish

PeakHelpful89

Annual bonus just hit. Where do I go to park some cash? JPIE? VYM? SCHD?

Defiant-Opposite-501

The Straits are closed and will be for some time. All the goodness and badness happens after markets close so that insiders have an opportunity to position their portfolios ahead of time. Right now I don't see much opportunity for goodness, so aside from exposure to SCHD and VDE, I'm out. VTI/VIOV/VXUS completely liquidated.

LongjumpingNorth8500

Am thinking of 50/50 SCHD/DGRO. Both seem to be solid funds. I'm not sure if they might be too conservative for a one year old even if he just keeps investing the dividends. What do yall think?

greenpride32

Did you do your DD before buying in? Aside from KDP all low/no growth, so with rising costs it means compressed margins. I don't think many are buy such companies for capital appreciation. If you were buying for distributions, better to use a diversifed ETF - SCHD or even SPYD. If buying for capital appreciation just buy VOO, or for less volatility SPLV.

killainvest

Thoughts on SCHD, as stock not option.

Little_Try_6502

Hold SCHD and UMAC

Moccabean70

This is the portfolio I’m concentrating on. Not sure what I want to trim and what I want to build up. Definitely will keep adding VOO/SCHD and probably JEPI. SCHD 15,866.62 JEPI $6,155.79 MU $3293.28 VOO $3,134.45 NVDA $1,645.29 QQQM $743.49 VYMI $497.35 VNQ $472.95 SCHG $365.16 SHLD $76.79

Itchy-Back8245

VTI is a great pick if you want to stick to etfs. It’s been outperforming the S&P lately. I personally like a 5 way spit in my set and forget accounts. VOO, SCHD, QQQM, VTI, and VXUS.

Moccabean70

Been buying SCHD a lot

Boring_Business4843

Invest all into SCHD and forget this ever existed

Affectionate-Day2743

consider SCHD. it's an ETF full of dividend paying stocks. it's not sexy. but it's a great investment. it won't get talked about much on WSB. but it'll do well for you. don't expect to get rich quick. it's the long game for sure.

visagedemort

Portfolio 1: Value: IWVL (VTV) | **Dividend: VHYL (VYM)** | Growth IWQU (US: QUAL) - CNDX (US: QQQ) Portfolio 2 Value: IEVL (US: EFV) and ZPRV (US: VBR) | **Dividend: FUSD (US: SCHD)** | Growth: CNDX (US: QQQ) What do you think?

BraveG365

Prof G on yutube says to buy SCHD because it will be the big one this year to out do all others.

OlleKo777

https://preview.redd.it/wwx60hkw2yng1.png?width=1813&format=png&auto=webp&s=dcfd88a10c1dd65d9de10f62332149343401cd2d Yellow arrows are when VTI hit the bottom weekly bollinger band and the associated 50% & 61.8% retracement levels. I don't buy very often, but that allows me to save up the capital in the meantime. For cheaper instruments like SCHD, SCHG, and GLDM, simply buy when there's two red weeks in a row.

Hotdog_catsup

I’ll suggest two but Nfa KO SCHD

Fhyzikz

Believe it or not, SCHD has a lot of good stocks in it for just this kind of scenario

LevelSevenWizard

it \*was\* yelling that extremely high quality tech stocks were dipping way lower than they should be due to retail investor fear and panic selling. I mean look at AVAV, thats an extreme example but illustrates the idea. this upcoming week I have one move planned for market open using asx and tse but after that I will likely liquidate my holdings and let the value sit in SCHD until I see a good entry opportunity

visagedemort

Hello everyone! Recently I turned 23 and I have decided that it is time to get myself into investing (could have earlier but I would say it is still early) as having money sitting on the bank that I do not use and inflation grows is not ideal. I have opened an account with IBKR and I live in Europe (and will also be travelling to a different country from where I currently live but still in Europe) and thus I do not have direct access to ETFs such as SP500 etc etc I will be investing around 3-4k for a start, and as much money as I can monthly, but at the start of the next year I will get access to around 12-15k more which will also be invested into my portfolio. I did a little bit of research and I have decided that I prefer not go with a single global broad market ETF as I would like to have a bit more control where I invest my money as the months/years come by. And thus by going through ETFs, different posts and videos collecting information I have decided to go with one of these portofolios: **Portfolio 1:** **Value: IWVL (VTV) | Dividend: VHYL (VYM) | Growth IWQU (US: QUAL) - CNDX (US: QQQ)** Portfolio 2 Value: IEVL (US: EFV) and ZPRV (US: VBR) | Dividend: FUSD (US: SCHD) | Growth: CNDX (US: QQQ) As I am not that experienced yet, I will be looking into your feedback and insights!

Firm_Instruction_775

First decide what your goals are for your investment and what feels comfortable to you. Maybe that’s VOO, SCHD, a combo or something else. DCA in. As another commenter said, it might be worth it for you to have a conversation with an advisor. At 65, you don’t need to be aggressive if you’re not comfortable with that. If you’re just looking for higher yields maybe TIPS or CD ladder is better for you. Spend sometime putting together your plan. It is going to be OK. You missed some gains, you didn’t gamble your money away. It not going to hurt you substantially.

Sunshibetempo

SCHD

Chanologist

Verizon, Nvidia, Google, Amazon, SCHD, MO, ARCC and MAIN

Then_Past_4646

agree, I'm 4 parts VTI to 1 part SCHD. Note this doesn't mean this will outperform VTI over long term

iamNotLyingMan

Buffet would pick VTI over SCHD

DoinIt4DaShorteez

10 - 15 years, you don't want to just flip the switch from VOO to SCHD all at once. Start allocating some of your new money to SCHD and increase that allocation over time.

Former_Tomato9667

I agree with your reasoning, but I’m only 10-20% SCHD in my IRA, which I manage as if it is the first part of retirement that I would liquidate if I had to. The returns will probably lag VTI/VOO and I don’t have SCHD in my longer term accounts.

killerdrgn

Ehh if you really want, you can just take out what you need for taxes and repairs, and put the rest back into VOO or SCHD tomorrow afternoon. It's a good time as any to diversify.

Ocampo-Mark

Shifting some of your holdings into dividend growth ETFs like SCHD or DGRO makes sense to secure that 4k monthly cash flow in Europe. I actually used trylattice to run some [numbers ](https://www.trylattice.io/share/cmmbdf03j01l6083uw2loxg62)on those exact funds and the interactive charts show they have a great track record of keeping up with inflation. It is super helpful for visualizing how your capital stays protected while you are drawing down for living expenses. You might also want to check the real time stock filings for those covered call funds to ensure the yields are sustainable for your long term needs.

Separate_Anxiety3347

I wouldn’t treat this as a winner-take-all call. VTI/VOO is broad core growth, SCHD is a style tilt. Core + a smaller SCHD sleeve is usually easier to stick with.

DigitalSheikh

IMO that’s why SCHD is an awesome addition to a Roth IRA. Dividends hold up the return since they’re tax free, and it’s defensive. 

abstractraj

VT and chill. It covers the world. You’ll be diversified across thousands of stocks. Shift some into SCHD/BND closer to retirement

ETFNavigatorPro

Agreed please don't let the recent surge for SCHD influence the better choice in the long term.

therealjerseytom

> SCHD has much lower PE ratio There are reasons for this. It's important to consider what sectors a fund leans into, and what kind of PE is typical of those sectors. It could be sitting at a lower PE than the broader market, but that doesn't necessarily mean that it's an attractive valuation. With that said, there are those, like Vanguard, who see value and smaller-cap style boxes, as well as ex-US equities, as being more attractive on a valuations basis than US growth mega-caps. Rather than VOO, VTI, or SCHD, if it's me I'd be looking at VT for your time horizon.

Cav829

SCHD is experiencing recent success because of the surge in oil companies and the flight to safety of defensive stocks like Coke and Pepsi as well as the surge of LMT. It is not a replacement for VTI/VOO. I think it's a good ETF, but it was basically flat before dividends for almost a 5 year period until December.

Gingerholic803

Eating shit on everything but SCHD and WPM

anyitamp

Despite the shorter history, DIVO had similar total return (dividend reinvested) vs DGRO and SCHD since DIVO’s inception, and at the same time offers attractive yield, so it’s kind of a combination of growth and yield. You can compare DIVO vs other dividend ETFs under your watchlist here: [https://alphabetaetf.com/etfinfo/DIVO/](https://alphabetaetf.com/etfinfo/DIVO/)

ChemicalPolicy5037

Time to just keep buying SCHD

Full-Atmosphere-9702

The problem is actually that you are 20 years old, you think nothing can touch you, nothing can hurt you and you won’t lose. That’s just part of being 20 years old. You have the right idea. Go get a job make some more money and invest it in dividend etfs to start like SCHD or VOO, there are tons of good ones. Build up your portfolio again and start over. You have so much time, coming from someone who is 50 and didn’t do the right thing with money until a few years ago and is now trying to play catch up. If I could be 20 again, I would have played life so differently🤷‍♀️

livetotranscend

I do 70% FZROX and 30% FZILX and I'm up 23.96% over the past year and my all time return is 45.21% (been doing it this way for almost 2 years I think). Both of those funds are zero expense ratio funds and cover most the market, both domestic and international. Lately I've been thinking about adding a small percentage of SCHD but I'm not sure how best to work it in.

trsx5

That guy that said "poor SCHD" probably is buying a $ROPE rn

MeeseShoop

Poor SCHD

alone-in-the-chat

Only green SCHD

TheDarkestTriads

SCHD is 20% energy stonks. Expect $32+ premarket.

Grrrrrrr_r

If you're focused on actual income, SCHD is probably the solid pick for

CoolBreezeBrew

It seems like you have a low risk tolerance. Have you considered a bond ladder. I am getting close to 5 % on 20 year zero coupons. You also might consider something more like VYM, SCHD, VYMI and TLT. I would keep at one years worth of living expense in cash and slowly invest as your tolerance allows. Maybe something like : 25% Cash 25% bond ladder 25% income stocks/etf. SCHD VYM VYMI 25% Growth VOO, SPY VTI

LoadEducational9825

Are you collecting SS at 65, what are your monthly expenses? There are some unknown variables to give you some input. Because you’re retired I don’t think chasing high returns is worth it due to risk. You may consider allocating a portion (10-15%) of your IRA account towards a dividend fund (SCHD)?

Polycold

Look into asset class diversification. You always have to choose between maxing returns and preserving wealth. You can’t do both. Asset class diversification means you own all the major asset classes even though some are doing well and some are not because you want to already own those poor ones someday when they are needed. VASGX gets you four cheap asset classes in one ticker. For your savings, three months in cash emergency fund and the rest in gold. Gold is an asset class that most people are missing. You don’t need much, build up to 5 or 10% of your portfolio over time and it will double as the deep end of your emergency fund. You can add in a REIT fund and a dividend fund like SCHD if you really want to diversify further. This is the key to not being anxious. You are insured when you diversify. Will you max returns? Nope. Will it grow tons? Yep. Spent a little extra time on this one because my son is your age. Good luck.

Legal_Potato_9063

With $1M focused on income, the boring answer is the right one: split between SCHD for dividend growth, a Treasury ladder for predictable cash, and maybe 10-15% in investment grade corporates. That gets you roughly $3,500-4,000/month without touching principal. For reading, check the Bogleheads wiki. It's the only resource that isn't trying to sell you something.

RequireMoMinerals

Sell it, pit it in SCHD, live on dividends forever. You’ve won the game. Please don’t snatch defeat from jaws of victory.

Slaxle

I am trying to rebalance my portfolio. About 14% of my portfolio has been medical and medical technology, which after the COVID boom, have not done much and have been underperforming the market as a whole. So I have some money to re-allocate. What's a good move for the foreseeable future? With the American stock market basically trading flat for the last 6 months, and Trump starting another war... I'm thinking SCHD or emerging markets?

Slaxle

I am trying to rebalance my portfolio. About 14% of my portfolio has been medical and medical technology, which after the COVID boom, have not done much and have been underperforming the market as a whole. So I have some money to re-allocate. What's a good move for the foreseeable future? With the American stock market basically trading flat for the last 6 months, and Trump starting another war... I'm thinking SCHD or emerging markets? Anyone have any suggestions

Mrbustanut

SCHD was up today r/dividends 

vwboyaf1

SCHD and XLU saved my ass today.

gatorjim5

It followed the same trend as SCHD. It traded sideways and down for a long time until this rotation happened. SCHD is the same way, it shot up in the last couple months. Now we wait for the rotation back into tech.

ekdms

Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!

EmpathyFabrication

I'm pretty happy with my investment but I'm still focused on growth mostly. SCHD has mostly replaced bonds as a hedge for me since I get a pretty good yield now that I've been invested in it for so long. Seems to be a very controversial ETF on forums

Lucid_Chemist

Thinking about dropping 20K into SCHD since dividends are taxed less than CDs…. Scared it might be the wrong time… but yolo. Unless anyone has better dividend funds in mind?

Octodab

SCHD is literally +13% YTD

jrex035

BRKB and SCHD continuing to do what they do best, go red on days they really should be green for once

snotick

Except he never mentioned single stocks. He didn't mention ETFs like SCHD. What he did say is he wouldn't have it in mutual funds, just individual stocks like General Mills.

ScoobDoggyDoge

I'm not a financial advisor, so i'm guessing as to why the financial advisor said this. They are not your financial advisor. They're giving you free advice that they would take on their own. First of all, financial advisors choose mutual funds because that's how they get paid. That person was giving you real advice. Individual stocks are more risky but those are something people invest in if they know what they're doing. That person was probably also considering your age. You have a while until retirement. Growth stocks might be more beneficial to you. Your parents are in their 80s and are risk adverse. They're better off going with mutual funds or stocks that receive dividends. I personally have a couple of ETFs, but i invest in stocks. Think about it, what if you invested $xxx in NVDA 10 yrs ago vs SCHD. The growth from NVDA would exceed the growth and dividends from SCHD. But, it could also be more risky so you have to know what you're doing.

EmergencyFair6786

A healthy mix of VTV + SCHD pretty much do this for me. 

NomSaneMan

Isn’t that just SCHD?

vegienomnomking

So basically SCHD.

NorthvilleGolf

If this is real, OP should take his winnings and go into something like 50% AOM, 10% SGOV, 20% SCHD, 20% SCHY and call it a day.

EwokNuggets

Same man. I’ll just buy another $20 of SCHD and take my tiny dividend thank you

Adorable_Smell2187

Oh hey there is SCHD sitting on the shore!

trsx5

SCHD and chill for the next 2 years. 😎

greenpride32

SNAP is down 80% all time. If that isn't the defintion of a "loser" stock I don't know what is. SNAP is down over 50% in 1Y and down over 90% in 5Y. The 5Y chart is a bit skewed because the start is near its peak, but still... 5Y return on QQQ is over 90%. 5Y return on SPY is over 80%. SMH ETF is up almost 250% in 5Y. Even the ultra conservative SCHD is up over 40% in 5Y while paying 3.5-4% dividend yield. People who just throw their money into reliable indices that have long history of going up are destroying SNAP with little to no effort. And here you are just hoping to capture a small slice here and there? That's what I meant in my first comment about your biggest loss is opportunity cost - people are growing their net worth by multiples while you hope for small nibbles. But TBF, invidual stock to ETF is apples to oranges. People who are picking individual winning stocks are crushing SNAP even more than the ETF's - again going back to my comment of why buy "low/no growth" stocks when you can buy "growing" ones? The former stagnates, the latter grows your net worth.

RageQuitWallStreet

I like SCHD. But it doesn’t pay monthly, and you will need a ton of it to pay rent. 

rednetian

Ha sorry, I misread your SCHMD earlier, pretty sure you meant SCHD.

rednetian

$500 a month at 20 is a great start. One thing though, VTI and VOO have a lot of overlap. VTI's top 10 holdings are 33.7% of the fund, VOO's are 38.4%, and 9 out of 10 names are the same. You're basically doubling up. I ran all three through my fund analyzer and they all come back A+ STRONG BUY. Both VTI and VOO score 100/100 with 0.03% expense ratios so you really can't go wrong with either, just pick one. SCHD is the one doing different work in your portfolio, 3.51% yield and the top holdings are names like Lockheed Martin, Chevron, Verizon, totally different from what's in VOO. I'd simplify to VOO + SCHD and split it however you want. Again I'm not an advisor, I just start with data. If you want to look at the breakdowns yourself I've got a free fund analyzer you can use. [https://fluentboost.com/](https://fluentboost.com/fund-analyzer-pro/)

rednetian

VOO is a great foundation, you can't go wrong just putting money in that consistently and not thinking about it. If you want some dividend income on top, SCHD is solid for that side of the portfolio. At your age I'd lean heavier on VOO/QQQ for growth and maybe add SCHD later when you want more income. The main thing at 20 is just getting money in regularly and leaving it alone. Which one you pick matters way less than the habit of doing it every month.

trustfundkidotaku

By the 122% number it seem your investment advisor might go the dividend route SCHD did lag the etf by that amount but it’s a dividend and well diversified ETF Tbh u should ask yourself what did u ask for to your Investment advisor on 2016 Did u ask for growth or security ? Chase Alpha or dividends? Investment advisor basically just translates its clients want into portofolio anyway

Due-Consequence-7297

Seems like this has already happened. P&G has gone up 15-20% in past few months. Same with SCHD which includes a big consumer basket. In the same time, VGT and tech stocks have sunk. Not sure how much gas is in the tank for the trend to continue

Heyhayheigh

Open a Fidelity account. Get rid of SCHD and gold. Split it up into weekly instead of monthly. Sell only when you have something urgent to pay for. Work to increase the weekly amount. There is nothing wrong picking some stocks you like as long as you do it automatically and don’t panic sell. You will eventually learn to just increase the VOO, just makes life easier. But I do the same with some of those stocks you list. It’s fun. SGOV for emergency fund and large known expenses. Keep life simple.