SCHD

Cilantro_Frog321

I’ll (35) just share what I have in my Roth IRA because I am not a financial advisor: 60-65% QQQM 35-40% VTI 0-1% SCHD For now, SCHD is just a scrap holding to utilize the whole portfolio. My percentages will shift every 5 years. But note, I also hold SCHG and SCHD in a taxable account. Those percentages are more like 65-70% SCHG & 30-35% SCHD. If I was younger (20-25) when I started investing (31) — I would probably be all in on VTI. I have my portfolio work a little harder because I started a little later. Little risky for some, but you have to do what you have to do. People see our choices, but not our opinions. Good luck out there :)

Internal_Field5970

Starting to thing I would be better off if I did SCHD than corn 😂 

ManBearPig_1983

Buy some SCHD and delete the app, dude.

Technical_Cry_5878

Short answer: it depends on your tax bracket and your goal (income vs. total return). SCHD has lower headline yield, mostly qualified dividends, so taxes at long-term capital gains rates, and historically better after-tax total return. DIVO has higher headline yield, much of the income is ordinary or short-term gains, taxed at a marginal rate. Some of the “yield” is really option premium, which caps upside and can slowly eat into growth In many tax brackets, DIVO can still throw off more cash after taxes, but you’re often trading away long-term growth to get it. That’s why people preach qualified dividends in taxable accounts, not because they maximize income today, but because they’re more tax-efficient and sustainable over time. Given you’re 55 and retired, using taxable for income is reasonable. A mix can make sense. This is the same framing you’ll see in macro income discussions like Ian King Strategic Fortunes: know whether you’re optimizing for after-tax income now or after-tax wealth over time, they’re not the same thing.

Technical_Cry_5878

At 23, the most important thing isn’t picking the “perfect” lineup, it’s maxing the Roth early and staying invested. A few thoughts on what you have now: * QQQM is a solid growth core for a Roth. * NVDA is fine as a small satellite position, but you don’t need to force single stocks this early. * SCHD is okay, but dividends aren’t as critical at your age since growth compounds better in a tax-free account. * BLOX is higher risk and thematic. keep it small if you keep it at all. * NEM doesn’t really add much diversification inside a Roth unless you have a strong gold thesis. If you want to simplify, a lot of people your age just run something like VOO or VTI and QQQM, then maybe a small tilt to dividends or themes later. You can always add income-focused ETFs as you get closer to needing cash flow. Also, don’t get pulled into flashy “this one stock will change your life” narratives. People ask “is Banyan Hill Publishing legitimate?” for a reason. Slow, boring, tax-free compounding usually wins. If you keep maxing the Roth every year, your allocation matters way less than your consistency.

brown-ale

You're young, look at other options to replace SCHD. Look into SCHG for growth, it has a slightly lower expense fee than QQQM, however either is a good option. Don't forget something like VOO/VTI (This should be majority of your holdings IMO)

Inevitable_Pin7755

23 is super young. Biggest edge you’ve got is time tbh, not dividends. Nothing you’re holding is awful but it’s kinda all over the place for a Roth. SCHD sounds nice on paper but at your age it’s not really doing much. Growth matters way more early on. If it was me I’d simplify hard. Big chunk in something broad like VTI or VT. Set it and forget it. QQQM is fine if you want tech exposure. Fractional NVDA is whatever, just don’t let single stocks take over. BLOX and NEM feel more like play money. Fine to keep a bit but I wouldn’t build a retirement account around that stuff. Dividends can wait. You’ve got decades. Maxing the Roth every year matters way more than perfect picks anyway.

cdude

Ah, looks like you got the tiktok finfluencer portfolio. It's always VOO, QQQM and SCHD.

leaning_on_a_wheel

Sell all your SCHD

Sunshibetempo

Thank you makes sense will look at SCHD and VYM.

mrtrentsd

VOO is for long term growth. If you are both retired, can you risk a big down year or years? VOO dropped 18% in 2022. It took VOO 19 months to recover from that. In 2008 it took VOO 65 months to recover from the Financial Crisis and when the Dotcom bubble burst in 2000, it took VOO 80 months to recover. Look at SCHD or VYM

Accomplished_Fix_101

If you are saving for a home, I think that a high yield savings account or CD are both good options. If you are looking into investing some cash, an ETF like VOO or SCHD might also be something to look into.

Realistic_Part_7725

(0.5*SCHD) + (0.5*SCHG) = VOO. Essentially. 😊

Calm-Juggernaut6099

To each their own, but VOO, SCHD, SGOV, and also VXUS if you feel like dabbling international. That’s the play.

ActualCreme2519

SCHD is a good dividend etf that includes energy sector.

ethereal3xp

Can't you do both by investing SCHD or DGRO? Keep dumping your monthly amount. Every quarter gain a nice dividend to throw into your mortgage. In addition the etf appreciates

Classic_Web5494

This structure carries significant hidden concentration. Holding VOO alongside QQQM and SMH creates a massive overlap in mega-cap tech. It’s a momentum-heavy profile reminiscent of the late-90s buildup. SCHD offers a necessary counterweight, but the 5% USMV slice is mere noise. Which means you’re paying for diversification you don’t actually have. So, simplify. Excessive fragmentation often masks underlying risk.

FluidCalligrapher284

I keep VOO and BRKB in my taxable account, as well as in multiple IRAs. I also have a sizable allocation of SCHD in those IRAs that I plan to continue growing as I near retirement.

Chemical-Fun3692

Awesome; yes sorry was a typo and was SWTSX. The SWISX, is it a good idea to get international? And would this be in a taxable account? That’s a great idea on the sweep! Someone on my new post said that SWVXX is an unrated bond and to get something like a treasury bill instead, is this a good idea? Great point on SCHD as well in an IRA, but if there’s no need, I can skip it!

er824

It’s SWTSX, assuming you mean Schwab’s Total Market fund. If you want International exposure their International fund is SWISX. You don’t need a separate account at Fidelity unless you want it for some other purpose. Their sweep options are better than what you get at Schwab for uninvested cash but that’s only an issue if you leave the cash sitting in your Schwab account. Investing, like you would be doing by buying SWVXX, SGOV or USFR, solves that problem. The downside to Schwab is having to do it manually whereas Fidelity automates (sweeps) the cash to and from their SPAXX money market for you. The manual options actually yield a bit more so are better as long as you are ok with the manual step. Personally, I don’t see a reason to overweight dividend stocks, all the stocks in SCHD are already in SWTSX and SCHB. If you do decide to hold SCHD consider holding it in your IRA to minimize the tax drag.

Chemical-Fun3692

I am completely new to investing and I’ve been trying to read as much as possible and ask questions. Please let me know your thoughts on this game plan and if there is anything you would change, take out or add? This is just me going based off notes. I am 100% open to suggestions. Step 1: Contribute 4% employer match to 401k on Fidelity. Step 2: Backdoor Roth IRA - contribute $7,500 and invest in SWTSK (any other mutual fund or ETF I should invest in IRA?) Step 3: Invest in SCHB or SCHX in Taxable account Step 4: Invest in SGOV, USFR, and SWVXX in Taxable account - All for liquid funds Step 5: (Consider investing in SCHD in taxable account?) - Dividend focused ETF. Step 6: (Consider a Sweep account at Fidelity which offers a higher % return in a MMA, not sure why?) Step 7: Is SWPPX and/or SWTSX necessary, and if so, which account and why? Step 8: What about international ETFs and/or Bonds, should I add any to my taxable account and if so which ones? Step 9: Consider QQQ in a taxable account (but would this be redundant if I already will have SCHX or SCHB?)

Chemical-Fun3692

Also, is the QQQ necessary if I choose to invest in SCHX or SCHB which are both broader? I am not sure. Here is my game plan: Please let me know your thoughts and if there is anything you would change, take out or add? This is just me going based off notes from here. I am 100% to suggestions. Step 1: Contribute 4% employer match to 401k on Fidelity. Step 2: Backdoor Roth IRA - contribute $7,500 and invest in SWTSK (any other mutual fund or ETF I should invest in IRA?) Step 3: Invest in SCHB or SCHX in Taxable account Step 4: Invest in SGOV, USFR, and SWVXX in Taxable account - All for liquid funds Step 5: (Consider investing in SCHD in taxable account?) - Dividend focused ETF. Step 6: (Consider a Sweep account at Fidelity which offers a higher % return in a MMA, not sure why?) Step 7: Is SWPPX and/or SWTSX necessary, and if so, which account and why? Step 8: What about international ETFs and/or Bonds, should I add any to my taxable account and if so which ones?

Chemical-Fun3692

Ok gotcha! To clarify, you want a short duration basically?! Ok this is my plan so far. Please let me know your thoughts and if there is anything you would change, take out or add? This is just me going based off notes from here. I am 100% to suggestions. Step 1: Contribute 4% employer match to 401k on Fidelity. Step 2: Backdoor Roth IRA - contribute $7,500 and invest in SWTSK (any other mutual fund or ETF I should invest in IRA?) Step 3: Invest in SCHB or SCHX in Taxable account Step 4: Invest in SGOV, USFR, and SWVXX in Taxable account - All for liquid funds Step 5: (Consider investing in SCHD in taxable account?) - Dividend focused ETF. Step 6: (Consider a Sweep account at Fidelity which offers a higher % return in a MMA, not sure why?)

Puzzleheaded-Net-273

Thank you for the info. I am not a ROTH IRA participant due mostly to income restraints, but do have a SEP, traditional IRA, and 401-k. May see if I can convert some of my traditional tax deferred funds to a ROTH when I retire st the end of next year, close to age 70. I believe I will be able to between the age of 70-73 before I take my first RMD. I just bought my first batch of Muni bonds in my taxable brokerage via a muni ETF that is primarily high investment grade quality. I read it will provide me with a tax equivalency of ~5.5% in my current tax bracket (37%.) I am a co-owner of 3 manufacturing businesses and am expecting a LOI next week for an attractive sale offer next week. My daughter is 38 and I am guiding her through the ROTH investment process. She is a book-keeper with a law firm, but is not receiving any IRA or Healthcare benefits. So far, I have chosen SCHG for her ROTH and VOO for her taxable brokerage. I have suggested that she DCA the ~$40k she has in her taxable brokerage into VOO, but may suggest some SCHD too, since she is quite risk adverse as a new investor. Your comment gave me "food for thought" so thanks again!

FluidCalligrapher284

Nearing 50. I keep my most aggressive holdings in my Roth for now with the plan to add more SCHD as I near retirement

Emotional-Power-7242

The SCHG and SCHD combined will get roughly the same return as VOO. The cash obviously will return less, the gold will probably return less and be more volatile, and the semiconductors who knows maybe you'll get lucky.

FluidCalligrapher284

Just a lot of SCHG. I’ve started transitioning toward SCHD with dividends and profits from SCHG.

DorianSoundscapes

IDK about the gambling ones but everything else is in in SCHD, very reliable dividend stocks.

AdventurousStill2525

I’ve been learning for years and still have more to learn but so far I’m happy with my current list if you’d like to research them. GLTR, SCHD, DGRO, HDV, VTI, and of course, bitcoin.

pink_ego_box

SCHD

uthred1981

Around 14% Individual stocks BRK.B 10.89% POW.TO 62.69% I lost a lot from SCHD in March/April, cost me a lot.

SnooConfections5135

SCHD is built to appreciate as well tho, shooting for annual returns similar to S&P with combination dividend/APP., whereas SGOV will not appreciate in value overtime. Similarily JEPI & JEPQ pay a roughly 7-12% div. With a mixed bag of equites also shooting for S&P style returns. I’m a big income generation guy so anyone who wants shoot me a DM and I’ll screenshot my portfolio of dividend ETFs for ya.

BellyFullOfMochi

Absolutely.. that shit would have gone straight into nice dividend stocks and etfs like AXP, V, SCHD, etc.

Jelopuddinpop

181% ASTS, SCHG, SCHD, RKLB- in that order by weight

Narrow-Ad-7856

My NVDA is up about 50% for the year. I also bought a lot of SCHD which underperformed bigly.

ScottDinh2610

Thanks for the support. I will take note from you and watch them and not back in this until I can save more than what I loss 🙂 10k in SCHD and O now is firm what I will use in future 👌

Heyhayheigh

Buy QQQM or VOO in your Roth. Dividends are not free money (Google it). It’s a Roth, you can sell and change to SCHD later, when income is actually needed. You’re giving up a ton of growth by being in dividends so young.

ReDux_FOOTER

SCHD avg annual share price growth rate 7.8-8% since inception SCHD avg annual dig growth rate 10-12% since inception The growth and dividends are just based on the numbers I outlined above. If I buy a lot of shares of SCHD early in life, then later on when the price grows and dividends grow, the yield on cost from when I initially paid as much higher. I used a drip calculator online to get these numbers.

ReDux_FOOTER

I underestimated all of the percentages in my math. The average is for the S&P 500 and SCHD are both quite a bit higher since inception.

mfalivestock

SCHD is such a YouTube video dividend trap

plasticbug

Given your investment time horizon (30+ years), I wouldn't buy SCHD in your Roth. Your Roth is the most powerful tool you have to grow your wealth. Rather than SCHD, I would buy VT, or mix of VTI/VXUS that will give you more growth than SCHD, even with all the dividend invested. For example, in the last 10 years, SCHD with dividend re-invested, had total return of around 11.5% a year. VTI did 14% in that time frame. That doesn't look like much difference, but assuming same rate of returns, over 30 years, you will have twice as much, if you went with VTI rather than SCHD. Once you near your retirement, and want more stability in your portfolio, you can sell off your positions with no tax drag (isn't tax advantaged account wonderful?) and rebalance.

cfaatwork

You don’t need SCHD at your age, your focus should be on total return, i.e., dividends PLUS capital growth. You’re unnecessarily omitting non-dividend paying stocks. Look at VTI/SCHB to capture the broader market. SCHD may make more sense if/when you may actually need to rely on dividends in 30+ years. You’re also heavy in US-only stocks. This is always a debate but I believe you should have some weighting in developed/emerging markets, like VEA & VWO. This year is a good example of international outperformance relative to domestic.

Reddithatesamerika

Thank you for you reply. Yes, it’s in a taxable account. The three stock picks are because they are considered the “tax collector” of AI. Every company needs them in some capacity. The reason why I didn’t want to include the rest of the semi conductor entities is because it’s too much for me to constantly worry about buying and selling. I don’t want to sell a bunch if I have 10-15 picks that go up 15% compared to just 3. I’m trying to limit my sells. SCHD Is a safety vault because of the dividend DRIP being turned on it helps fuel that component which between that and SCHG it’s my main two vehicles that help fuel my overall growth and the stocks are used for any potential growth earnings. I then could use the money gained from SCHD to buy more shares of those stocks without touching my principle to buyback more shares or to average down if these stocks take a major hit. Honestly I’m willing to lose 10% from the 15% allocation of these stocks. I’m also not completely sold on this. I’m also just considering just layering into QQQ and $SCHG

therealjerseytom

I mean the biggest red flag is that this is all just a bet or gamble, with a lot of money. But beyond that... Is this all in a taxable account? If so you're going to be shipping off a lot of your (hypothetical) gains to the gub'ment taxed as ordinary income. If you want to be extra heavy on semiconductors, why those 3 stock tickers rather than a semiconductor ETF like SMH? Or if you want buy and sell triggers on individual equities, why not include the rest of the semiconductor crowd? What makes you think SCHD is a "safety vault"? How safe is it? How safe do you need or want it to be? Like what's your constraint? What if there is no "2026 AI boom"? How much of your $770k are you willing to lose? Bearing in mind that even if these companies have positive earnings, stock price can go down. Alternatively what if things go up and you never end up back at your limit order buy-in price?

Digital-Doc-777

Sure, but that is SCHD/SPMO... not 38 funds to rebalance.

The5thRedditor

I feel like VOO and VTI and the SCHD of 25/26 It is a great investment.

thinkneo

Honest truth: >5% yield + growth + doesn't devalue is the trifecta everyone wants but rarely exists, usually you pick 2 of 3, that said, here are realistic options for $1000: Covered call ETFs (my pick for your criteria): \- JEPI - \~7-8% yield, holds large cap stocks, sells covered calls for income, some growth potential but capped upside, very popular with retirees. \- JEPQ - same strategy but tech-focused, higher yield (\~9-10%), more volatile. these give you income + some growth exposure without picking individual stocks. Dividend growth (lower yield but better growth): \- SCHD - only \~3.5% yield BUT the dividend grows 10%+ annually. In 5-7 years you're effectively getting 5%+ on your original investment, better total return over time. Higher yield options (more risk): \- ARCC or MAIN (BDCs) - 8-10% yields, invest in middle-market companies, more volatile. \- ENB (Enbridge) - \~6.5% yield, pipeline company, slow grower but stable dividend. What I'd actually do with $1000: Keep it simple, one holding. \- if you need income NOW: JEPI \- if you can wait for income to grow: SCHD Don't split $1000 into 5 positions - you'll pay more in friction and complexity than it's worth. One warning: anything yielding >7-8% usually has a catch - either growth is flat, risk is higher, or the dividend isn't sustainable. If it sounds too good to be true, it probably is.

D_Pablo67

I’m not a fan of CPB or SCHD. If you want defensive stocks, look at Proctor & Gamble and Johnson & Johnson. FRT, O and EPD are all dividend aristocrats (raised dividends over 25 consecutive years) and have a high dividend yield. Additionally, I would not de-emphasize VOO out of fear of an AI bubble. S&P 500 is a consistent winner over decades. If you fear a crash or inflation, buy gold or gold miners as a hedge. You are asking the right questions. You will be fine.

MoneynRacks

Okay thanks. About VOO, I actually do not like its heavy exposure to tech stocks because I think the AI bubble is bound to pop at some point. So I’ve opted to hold SCHD long term since that is comprised of more defensive stocks and prioritizes dividends growth. But since I am still a young man with (hopefully) lots of time left, I hold NVDA alone as my tech exposure since that is the heavy hitter in that industry. I think that alone would capture the majority of % gains that I would see from the industry as a whole. Last question. What do you think about holding CPB long term? I know it’s historically a major US food company, but recently it’s sort of been forced to adjust its business strategy and re-balance its product offering portfolio. But for long term, I like to think that it is bound to recover at some point because of brand strength and its wide moat. Do you have any thoughts on this?

invisiblylurking

I'm a big fan of dollar cost averaging I use a 3 fund port QQQM SCHD VOO I put money in each on a weekly basis. Just about all of my cash is in the SPAXX fidelity cash I just set up the auto purchase. I'm hesitant to drop all the cash into and fund all at once in the event if a market/economic downturn of in the event of an emergency. You could probably do a solid $3k per week and get a good average over the next year plus.

InternationalTop4495

Schwab and State Street US dividend ETFs, SCHD and SPYD both have about a 4% yield and relatively stable price action and are well diversified. On the bond side something like AGG or IGIB for investment grade exposure would get you what you want. Something like PDI would be a bit more aggressive but higher yielding. You could stack a couple different bond etfs with treasury, investment grade, high yield exposure and have a pretty diversified portfolio yielding you >4%

DistributionGlum9541

Sorry for the long advice but here’s what I’m doing : If you take every dollar from the covered-call premiums (and the dividends) and instantly plow it back into buying more shares of the same stock/ETF that generated it, you turn this into a quiet little snowball machine. Realistic numbers if you keep doing conservative weekly calls and reinvest 100% for the next 5 years: Verizon side (starts at 100 shares, ~$4,050) - You're pulling ~$1,900–$2,100 cash per year - Reinvested at ~$40–$42 average future price → adds roughly 45–52 shares per year - Year 1 → ~145–150 shares - Year 3 → ~230–250 shares - Year 5 → ~350–390 shares - By 2030 you're collecting $950–$1,050 in dividends alone + another $3,500–$4,000 in call premiums per year on the bigger pile. SCHD side (starts at 100 shares, ~$2,760) - Pulling ~$650–$750 cash per year to reinvest - At ~$30–$35 average future price (it grows slower on price but faster on dividend) → adds ~20–25 shares per year at first, then accelerates - Year 5 → ~220–260 shares - Dividends alone jump to ~$350–$400/year + call income on the bigger position pushes total cash to $1,500+ per year. Combined after 5 years - Total invested capital: still only your original ~$6,800 (everything else came from the strategy) - Total shares owned: ~570–650 across both - Annual cash generated by 2030: $5,000–$6,000 (dividends + safe calls) That's 75–90% cash-on-cash return per year on the original money by year five, and you never added another dime from your pocket. It's slow the first year or two, then it really starts throwing off serious monthly/weekly money while staying boring and low-risk. One of the cleanest set it and forget it compounding plays you can run with covered calls.

Sea-Economics-9582

https://preview.redd.it/6s1v8ut0uz9g1.jpeg?width=1170&format=pjpg&auto=webp&s=968d183a336b7554cac8c45e8b2b09a7f6835775 Using decent etfs. VIG, SCHD, VYM, VOO, and BRK.B. Just been popping in some to each find every week and reinvesting dividends. Got tired of getting burned when I couldn’t be watching my portfolio at work or other stuff, so changed my strategy for a long term set it and forget it. To the left is when I was trying to be cool and catch trades and play cheap options, to the right is when I quit messing around and just forgot about it.

GioDesa

JEPI / SCHD are not bond funds. Lol

jpc1215

I keep my cash in SCHD right now, ready to sell it all if ish gets crazy

annoyed_meows

Haha, sensitive bunch. SCHD is absolute shit

No-Improvement3164

Head over to SCHD and tell them HYSA is better and you’ll get banned. Would be the top of the morning to you. 😂

Historical_Low4458

Yes. All my accounts have different purposes and, therefore have different funds. My traditional IRA is currently 100% S&P 500 index fund. I am comfortable with that because my other accounts are more diversified than that. The primary purpose of my Roth IRA is to diversify my emergency fund, so it is primarily cash, but I do hold SCHD, SCHY, and a target date fund in it.

httmper

You mean SCHD?

Easik

I do SGOV in my tIRA and VOO for rIRA. The logic is I'm trying to preserve wealth in my tIRA while matching or beating inflation. The rIRA is VOO because I'm good with the risk and want the most growth in a tax free account. Also have the 24k a year in the 401k, so that can do whatever in the retirement dated mutual fund. I'll move tIRA into SCHD when SGOV yields drop. I'm sure I could get a better risk adjusted return in my tIRA, but I sleep better with this diversification across my 3 accounts. P.s. I'm stealing your abbreviations and using them going forward / doing it for Roth too.

Kickboy21

Literally any boomer boring stocks that give you dividends. SCHD

SISU-MO

All the above. Check out; BND, JEPI, BAGIX, SCHD, etc

tomtim90

This is why I added SCHD to my holdings. Small tilt towards defensive for my broad US holdings.

HenriST2

Haha I first put some money into SCHD after a recommendation from ChatGPT. I really don't know anything about taxes surrounding investing and some of the details about dividends, and now I'm seeing a lot of criticism of SCHD and other dividend ETFs

cdude

"VOO and SCHD" tells me you started your research on tiktok. Just stick with VOO and ditch dividends.

HenriST2

Yeah right now I'm just doing VOO and SCHD. Not gonna sell at any point, just add to both monthly and let it grow

Newbiewhitekicks

You do not want to buy SCHD, ever. First off, when investing in a taxable account your goal is to be as tax efficient as possible. Dividends are completely irrelevant; total return is all that matters. If you need cash; sell stock! This has been studied extensively and a good first read would be: Franco Modigliani and Merton Miller: dividend irrelevance theorem. A dividend is just a forced sale and hasn’t been a useful investing tool for at least a decade. Adding SCHD to VOO is a little redundant; you have no diversity. Historically, small cap and value is what succeeds and the analysts think that large cap/mega cap won’t keep outperforming in the future. A portfolio using VOO as your foundation looks like: VOO/(a small cap)/VXUS

IndyBananaJones2

It makes sense for income flexibility for some people though.  I mean, invest in stuff like SCHD, VPU, VIG and get decent growth with a 3.x% return. $1m portfolio gets you $30k in money that then can be used to buy the dip or fund the lifestyle 

J_Knish

This game is not for you. Seriously. But SPY and SCHD or something similar and keep adding to them every month and go get your dopamine hit doing something that does not involve gambling.

InternetIsntMyFrend4

Plus you need to pay taxes on your Capital gains.  You should look into dividend income from SCHD or companies like PFE.

version-two

That’s where I buy my index funds. All non retard funds go straight into Fidelity. VOO, SCHD, and some VTI (yes I know there’s overlap).. Thank you kind sir, I didn’t realize they had 0 expense funds. What are the comps for the above? FXrox and ?

Zestyclose-Emu-5206

CGDV and SCHD pair well together. Both dividend ETFs but weighted in different sectors from each other so if one drops the other usually has a gain. These ETFs are for the dividends though . Someone said not to focus on dividend at your age but I believe the opposite. Younger is perfect. Just make sure the dividends are reinvested back into itself and whether the price goes up or down or stagnant you still get the growth through dividend reinvesting.

Sunflower077

Terawulf IamGOLD Some Kroger Some SCHD

AlGAdams

Only things I have red are phizer, Micron, and SCHD

kc0r8y

I went VOO/SCHD/VXUS - 60/20/20

Acceptable_Bed_6033

SCHD at zero gain YTD rn

Chemical-Fun3692

are these index funds? Do you use Schuab or Vanguard? What about? QQQM SCHD SPAXX

One_Jellyfish_3102

VYM pays dividends quarterly. In 2025, they have paid a total dividend of \~$3.5008, which when divided by the current share price, equals the yield of \~2.45%. SCHD also pays dividends quarterly, so you can do the math. The 30 day SEC yield number you often see is related to dividends, but represents the net investment income (interest and dividends from the fund's holdings, minus expenses) earned over the most recent 30-day period, annualized (projected as if that rate continued for a full year), and expressed as a percentage of the fund's current share price (or net asset value) at the end of that period. There are ETFs that pay monthly dividends, if that's your objective. You need to do your own research and choose the ones that meet your risk profile.

Rav_3d

No catch. People work, people make money, people invest in their retirement accounts, many of those accounts go into the S&P 500. Those who have decades to retirement and put it all in an S&P 500 fund will likely outperform many other strategies including those “safer” approaches to mix in some SCHD and VT or VTI.

Spirited-Print-1097

Depends on the circumstances. Impossible to time perfectly, but momentum trading allows you to snipe on the upside. I watch a few tickers that are volatile TGB & GANX have made money for me lately. Others I keep long term and just buy on a regular schedule GLD has done well for me. I do own VOO & SCHD as stalwarts.

Cav829

Silver is getting insanely risky at the moment as others have mentioned. The last time we had a run up on silver to this extent, the market crashed hard (look at April 2011) and didn't recover until this year. I'd stay away. I don't know why everyone is telling you that you're crazy on SCHG. For starters, the dividend yield is so low I wouldn't even bring it up in a conversation of dividend holdings. Like SPY, VOO, VTI etc. pay dividends, but something like SCHD is what you would look for a dividend holding. I think people are also not noticing that SCHG has outperformed SPY/VTI/VOO type index funds over the last decade and has even outperformed QQQ recently. That said, do understand past performance can become easily conflated with future performance. The reason something like VOO or VTI works best long-term is because of it's unbiased how it works. SCHG wasn't fully tested in the last extended bear market since it was formed in 2009. So I would look at a mix of an index fund and SCHG if you wanted to that way.

Encouragedissent

/u/SirGlass covered diversity quite well. If growth is your highest concern then 100% in SPY/VOO is the way to go. If you are trying to increase dividends share at the expense of capital appreciation then you can do something like 2/3 into SPY and 1/3 a broad dividend fund like SPYV or SCHD. If you are merely trying to smooth volitilty/ decrease risk a Bond fund like SGOV can take a portion of your portfolio instead.

among_apes

SCHD one of my biggest regrets. At some point when returns lag that far behind your safety is eaten up in lost opportunity

Own_Flounder853

True, but I want more diversification.  Maybe some VGT/SPMO and SCHD

asim2991

Tech beta cuts both ways. I moved part of my portfolio to VOO/SCHD for stability. Were you overweight tech before the drop?

B-767_Sailing_QRP

Set up a barbell approach. Have a stable side and a growth side. I have Tech/AI——SCHD/SCHY and just keep DCA and go up and down with growth but the other side will stabilize. How far are you from retirement… that matters of course

AlGAdams

AMZN, PFE, KSPI, MU, META Index ETF: SPY, SCHD

Early_Divide3328

I'm probably up around 6% if you include dividends. My portfolio tends to follow the performance of $SCHD - since that is about 40% of my accounts. I also have 12% exposure to S&P 500 with $VOO.

Action_Connect

No worries. I made a bunch of mistakes picking funds and stocks when I first started. I bought different REITs and individual tech stocks that ended up tanking. I finally decided to make it simple by investing in the broad market through index funds. Most of my investment is in VTI and a bit in VYMI, SCHG, and SCHD.

lotoex1

PG, KO, and SCHD. Boring I know.

EmpathyFabrication

SPY is more optionable vs VOO and that is the only reason I would buy SPY over VOO. Check the expense ratio and overlap of all the funds you are considering and read the prospectus for every fund. Idk much about DIA but it doesn't look like it has many holdings. I'm a fan of SCHD especially in a falling interest rate environment even though it seems to get lots of hate for lagging the total market it's still a part of my portfolio. Also idk wtf that other guy is talking about, SCHD doesn't use any option strategy in the fund and I had to go back and look at the prospectus again to confirm that the claim is total bullshit. That's another good reason to READ the prospectus yourself

Jayytimes2

I used to have some VTI. Wish I would have held on to it. Can you explain a little more about SCHD? It pays basically a dollar per share annually and only trades around 27 dollars last time I checked; and it had a recent split so in time (longer term) in theory share price should rise.

empiredude

SPY & VOO are effectively identical. I wouldn't have both unless you're doing it to have two different buckets for taxable capital gains optionality later on. As far as thoughts, SCHD is a dog imho.. dividends are tax inefficient, their cover call scheme isn't super helpful in a true market that goes up. DIA doesn't really seem necessary either.. I'm a boring r/Bogleheads kind of investor - you're probably just as well or better off with either an S&P 500 index, US Total Index or World Total Index as you are by overcomplicating there with those tickers. SCHD had a lot of great online influence to make it seems like this great plan. In a lifetime of wealth building, I don't see any benefit to it vs. $VTI and personally bet that $VTI will perform better.

Jayytimes2

Thoughts on diversifying portfolio to just DIA, SPY, VOO, AND SCHD. ALL DIVIDEND PAYING STOCKS AND relatively safe. Didn't mean all caps lol

Stinklefresh

MasterCard, Visa if they stay low enough SCHD will add them next year

Background-Dentist89

SCHD and you’re buying individual stocks? You do realize you pay yourself the dividend. Think more paid in capital. So your returns on SCHD are not what you think they are. Unless your your retired or close to retirement SCHD makes no sense.

quintavious_danilo

SCHD is a bad investment, period. It’s only shilled by youtubers and redditors who have no idea how to grow your wealth. Put everything into VOO/VTI or VT and let it compound.

beat_the_level

I do. I have 100k in VOO and 100k in SCHD. Then I have 100k in spread out in other stocks.

Mindless_Sky_6654

Ahh, I thought you had 100k in SCHD. I think you’re doing fine, just keep adding to it.

Dazzling_Marzipan474

And you would be fine if it dropped $50k? 100k is a decent chunk to sell options with. Adding some risk but can be limited if you know what you're doing. Maybe check out r/thetagang or r/optionswheel. Optionwheel has some great write ups from u/scotishtrader. Hope I spelled that right. Paper trade for a few months then make your decision. But personally I think buying the new shiny thing is the wrong choice. Also depends on tax situation for SCHD. Selling and paying large capital gains wouldn't be ideal.