SCHD

SmallCapsOnly

I’d argue that an ETF like VT is the market bench mark as it encompasses the entirety of the world market. VOO is just the US part of that market. I’m not against what you all are saying but SCHD might make more sense for someone who wants to taper the amount of volatility they see while still earning more than enough in returns. Since SCHD is focused on dividend earning companies and those companies have a bit of defense in recessionary periods. Majority of retirement plans need little more than a 4-5% return on average for the entire life of the individual.

1have2much3time

S&P returning less than NVDA is a ridiculous statement as it has nothing to do with the conversation. If SCHD performed like NVDA has, then it wouldn’t ‘be dog shit’ as the OC put it. An S&P ETF like VOO should be considered the base performance in the market because it is about as safe as it gets when it comes to stock investing. If a security returns less than the S&P, then it performs worse than the safest option and you should have just had that money in the S&P. If it returns more than that over time, then it was a good investment.

SmallCapsOnly

Yes and the S&P has returned less than NVDA SCHD helps diversify differently than S&P and returns equivalent gains.

DekeJeffery

For a young person, the right amount of SCHD would act essentially as a bond in their portfolio. I don’t see anything wrong with it, just don’t go all in on it.

Beetlejuice_hero

This really shouldn't be downvoted (I voted you up). It's a perfectly fair question and people should assess whether dividend investing is right for them. Relevant detail: the most brilliant investor in history has openly and deliberately eschewed dividends in favor of buybacks and reinvestments in the businesses. And last I checked BRK stock has done pretty okay since its inception. I used to be all about SCHD. It's been utter shit compared to SPY in modern times.

xploeris

I'm almost half in a mix of cash, STIP, SCHD, GDX, and SPY puts - stuff that will weather a downturn (and sell easily), and the puts will print money if I'm right about the second half of the year. The other half is trying to milk short term gains out of the current irrational exuberance and stuff I bought on sale that I think will age well, even if I have to hold it through a downturn.

slamajamabro

At your age I might do QQQ with VGT instead and take out SCHD totally

Gringodrummer

Max out your Roth. 7K per year. Invest in S&P500 efts. If your employer offers a 401k with match, do that too. If you have money left over after that, open a brokerage account and invest more. For me personally, my Roth IRA is all voo and SCHD. I use the brokerage account to buy additional single stocks and QQQM.

GetCPA

I haven’t heard SCHD in a while, forgot about that dog shit

AustinLurkerDude

I'm similar except occasionally swap out VOO for VTI. I have too much SCHD, unless you're 5 years from retirement you shouldn't hold it because the gains/dividends terrible vs VOO. Bit of a mistake to buy into. However, I own SCHD cause its got a psychological benefit of generating cash and doesn't drop as much in a recession.

Octopus_Code

SCHG not SCHD.

SuckAlpha

Double check $SCHD, I’d not go all in, now is weighted more on Energy stocks, not performing well YTD.

Sounders12

SCHD is terrible.

LanceX2

Selling SCHD in 2023 was best decision in a long while

Aconyminomicon

I don't think there is anything faulty about waiting for a retrace to enter. Its actually smart not to buy when the market is at an ATH. For example, I am building a portfolio consisting of VNQ/JEPI/SCHD/VOO, basic overall risk-off portfolio for passive income. If I was to enter trades when I built this portfolio, that would be faulty logic. I wait for the retrace always. Now I have the choice of where to enter instead of arbitrarily buying whenever the thought comes to me. I am now entering those positions at 2-4% under the value the assets were at when I decided to invest into that portfolio. I think we are talking about different time frames. I have been waiting for over a week so far with plans to DCA into these positions when the RSI is right. I don't know what is faulty about that but if you know how I can improve I am open to it.

TT_Vert

I'm looking more towards growth and value funds. Also want to add about 20% international into it. In other accounts I already hold SCHG and SCHD (For a little bit of diversification). Im Looking to get out of SWISX for a comparable international ETF SWPPX/SWLGX/FXAIX/FSPGX   maybe for more SCHG or a decent large/mid cap value index fund. Open for any recommendations on ETFs to research. I've researched many already but any more input I can get it welcomed and appreciated. Dave

zooka19

I like them too, then I have JEPQ and FUSD to help out during downturns. Funnily enough, FUSD also is 30% tech, which is higher than SCHD. I prefer SCHG to R1GB - I only don't have SCHG because we can't buy it in our tax adv accounts, and taxable brokerage it is a CFD, so I don't own the asset (but covered up to £85k). It shouldn't cause a political debate, the mods will shut it down haha.

rackoblack

Easy. You invest in taxable brokerage into high growth and low dividend holdings. You eat a small tax burden each year as it screams upward (if all goes well). You're building a giant pile of cash that ***can and will someday*** generate passive income. Then you retire early. In the first few years in which you're down to almost no income (just a few dividends and maybe interest and a small pension if you're lucky), you have all that hugely appreciated VOO or VTI or whatever to start selling, you can book up to $100K or so a year of LTCG (as a MFJ couple). If you got the expected 6%+ gain a year for 20+ years, that gain nets you $320K or so in cash. Spend what you need, invest the rest in higher dividend payers for future years. SCHD and VYM are good ETF fire and forget options. MLPX is a nifty non-FAANG option. REITS are cool. Derivative income ETFs are riskier but pay huge divvies. Pick one or many of those and do that for a few years before you turn on social security. By then you'll have your multi-million $ portfolio mostly converted to one generating 5-15% return with the rest still comfortably (or not) in VTI giving you growth for the long term.

TheObsidianHawk

On that Friday I bought what I could. Nothing like getting Nvdia Sub 100, I expanded JEPI and SCHD holdings as well.

Ill_Marzipan_609

you got a lot going on but its fine. personally i would drop SCHD, youre young and dividends shouldnt matter to you - only growth. if i were you, i would sell some (all) TSLA and SCHD and add it to your SPY and QQQM. or put some in potential high growth stocks, you have the time to take more risk. just my opinion

SmallCapsOnly

If you’re going to pay less in taxes this year and have a Traditional IRA it might make sense to convert a portion of it to Roth IRA. If you have no need for that cash and can invest long term then go with a broad selection of ETFs since that is non-qualified money the ETFs will give you more tax efficient investing over mutual funds since they are required to distribute capital gains to you at the end of the year. As for your asset mix that’s based on time horizon and risk tolerance. For example if you’re in your 20s and have a high risk tolerance you could go 80-100% Equity with 0% or 20% fixed income. If you’re in your 50s with high risk tolerance you might better benefit from a 60% equity 40% fixed income blend. As for the ETFs VT/VTI/VOO/SCHD/QQQM are always crowd favorites for the equity side For your fixed income portion make sure you spread well across the yield curve since interest rate action is bound to happen eventually. Spreading through the curve won’t make you the most money but it will give you the least amount of volatility when rates do eventually change. What I mean by spreading take these three treasury ETFs for example VGSH, VGIT, VGLT and even blend of those three spreads you nicely against short, mid and long term treasuries. Hope this helps.

Aggravating_Shirt330

**39 y/o UK-based investor – Feedback on my "Magnificent 7" ETF Portfolio (IBKR ISA)** Hey everyone! I'm 39, based in the UK, and fairly new to investing. After weeks of research (and help from ChatGPT, YouTube, forums), I’ve built what I’m calling the “Magnificent 7” ETF portfolio. I invest through an **IBKR Stocks & Shares ISA**, contributing between **£300–£1000/month**. My goal is long-term wealth growth with: * ISA-compatible ETFs (LSE or USD-eligible via IBKR) * A mix of accumulating (for compounding) and distributing (for future income) * Sector/region diversification with low fees and overlap * Some dividend-friendly holdings for balance **Portfolio Breakdown:** * **VWRP** – Vanguard FTSE All-World (40%, Acc) → Core global exposure, long-term compounding * **SCHD** – Schwab US Dividend Equity (15%, Dist) → Reliable income and stability * **SGLN** – iShares Physical Gold ETC (5%, ETC) → Inflation / geopolitical hedge * **CHIP** – Amundi MSCI Semiconductors (10%, Acc) → AI + chip growth potential * **RBOT.L** – iShares Automation & Robotics (10%, Acc) → Exposure to robotics + automation sector * **UTIL.L** – iShares MSCI World Utilities (10%, Acc) → Defensive play, infrastructure & energy stability * **CNDX** – Invesco NASDAQ-100 (10%, Acc) → Top tech megacaps, long-term growth **Style:** Passive, long-term holder (10–15+ yrs), moderate risk. **Structure:** Core + Satellite, all held in my UK ISA. Would love feedback: * Am I overexposed to tech even with UTIL? * Is anything redundant or missing? * Any swaps you’d recommend? Thanks so much in advance!

Late_Payment5716

hat’s a great monthly allocation. I’d personally do: * VTI (Total US Stock Market) * SCHD (Dividend growth) * QQQM (Tech-focused, lower expense than QQQ) * A little in BND if you want to buffer with bonds You could go heavier on equities now while you’re young and shift later. Just stay consistent and keep costs low.

BRZlimited92

I have a good amount of SCHD, VTI, VXUS, JEPQ, XLE, MSTY, ETHA, and IBIT. HCTI is my play and gamble money but I like the direction they're heading. I work in Healthcare so I like seeing healthcare and AI coming together.

Newbiewhitekicks

Remove JEPI, SCHD, and VIG. SPY and VOO are the same thing. Keep VOO. Add a small cap and an international and you’ll have a fairly diversified portfolio without the performance and tax drag.

therealjerseytom

I'd drop JEPI, SCHD, and VIG. Especially if this is a taxable account, but in general really. VOO and SPY are the same thing, just pick one or the other. If you want to be all-in on the US, you could just be all VOO.

MetroDefiAnce

consistently pulling that kind of return is doable, but it’s far from guaranteed. I’ve seen bots run hot one week and then get smoked the next when volatility swings outta nowhere. If you’re looking to build *real* passive income, maybe think about mixing it up — a few bots running small capital, some Bitcoin stacking on the side, and then throwing regular bits into something like SCHD or VOO. It might not be flashy, but it stacks. That way, even if the bots go sideways, your wealth’s still compounding in the background. I've got an alt coin portfolio thats raking in 10-40% PY on my good weeks cause i rotate them a lot, on my bad days im hitting 3-7% losses max from risk management. thats something you could do with a small chunk of that capital to just generate cash flow without risking too much.

Spare_Boot8043

I mean if you mean long term as in retirement i would highly recommend concoction of mighty 4 , you cant go wrong: SCHD: 35% VOO: 25% VYMI:25% VWO: 15% Never ever miss DCAing , cheers! 🥂 (Ps: make sure you have emergency funds aka 6 month shield for rainy days)

The_Gil_Galad

> SCHD The Schwab US Dividend fund could absorb every penny you have and not even notice. You're fine.

TT_Vert

This is just an ETF that I plan to sit on for 15 years or so (SCHD and SCHG). I was holding some target retirement stuff that I just wasn't happy with. Not to mention the expense ratio was horrible compared to what is available today. I do have a select ETFs but I don't do much to be honest Mostly in crypto. Dave

TT_Vert

It's heavily traded (SCHD) and (SCHG). And that spike in demand was my concern, thank you for clarifying the volume impact.

Over-Computer-6464

QQQI has only short time it has been in existence, but the total market ETF, VTI beats its return, including the effect of reinvested dividends, but assuming zero income tax. SCHD is a popular dividend ETF that has been around longer. The 10 year return (Jan 2016 to May 2025) of SCHD is 11.4% CAGR, including dividend reinvestment. The return of VTI over the same period is 13.3%. The max drawdowns were 21.54% for SCHD, 24.81% for VTI. $10,000 invested in SCHD (with dividend reinvestment) in Jan 2016 resulted in $27,605 ending balance in May 2025. $10k in VTI became $32,485 over the same period. SP500 had 13.78% CAGR and ending balance of $33,712 https://www.portfoliovisualizer.com/backtest-portfolio is the source of my numbers.

RiptideGaming06

Not financial advice, but a diversified spread of VTI, VXUS, SCHD, etc. have felt like a decent ETF spread for me so far, albeit with a lot less money lol. I’d personally pocket at least 65-75% of what you’ve made in options and set it aside somehow at the very least, but that’s just me. I don’t know what I’d do if I burnt through all that money I’d of just hypothetically made…

GodMyShield777

 get VOO , SCHG , AVUV , AVDV , some SCHD depending on age . I got some IBIT , GLDM also

sirzoop

Don’t invest in AGNC. It’s my biggest regret that I’ve ever invested in. Invest in JEPQ, SCHD, JEPI, GPIQ instead if you want yield and appreciation

Serrano_Ham6969

True, but still. Couldn’t even tell ya but it has paid well. Beyond that, nothing. Lol. SCHD woulda been the better move if I was just looking for divs.

Various_Couple_764

It is a very good idea but SCHD is not the best choice for this. They yield is very small. 100,000 in SCHD would only earn about 325 a month. Only enough to buy a little food or and maybe cover your utility bill. I did what your are proposing. I would use QQQI. QQQI has a higher yield 13% and the fund management takes steps to reduce the tax you pay on the dividend you receive. This ould generate about 1000 a month from your 100K deposit. Do not automatically reinvest the dividends. Instead they will appear as cash in your acount My brokerage put the money in money market account. Use the cash to pay billls or rebuild your emergency fund. At this point you have self refilling emergency fund. it will refill slowly but it will rebuild. As as much money as you can to increase the income Eventually you will have an eveThe rmgency cash in the money market account. And you could get enough income to cover er all of your living expenses. In my case that is 4K a mont. Enough to cover my living expenses (I live in high cost of living area).For 4K a month you would need about 400K in QQQI There are many funds you could use such as UTF 7% yield, PBDC 8%, PBDC 9%, BIZD 11%, SPYI 11%, BTCI 24% and many more. The key is to get the highest you feel ocmfortable with and if possible use a fund that payshas a lowe tax on the dividend you receive. Most of the funds I have listed are taxed as ordinary income. But they are useful for the income they create. Once I had enough income I started adding more funds until I had enough to retire early at 55. Also I reinvest about 1K a month to gradually grow my income. Hopefully enough income growth to cancel out inflation. No mater which fund you will use you will genrate taxable income. The best way to handle this is to estimate the additional tax you willl pay with the assumption that all of the dividdends are taxed as ordinary income. The highest taxrate to insure you have more than enough. Then you could put the money asside in monoy market account and use it to cover the april tax bill. Eventually you will start to charged with a lat payment of tax penalty. At this point start sending quarterly tax payments to the IRS.IF the estimate is low you owe more. IFyou pay too much you get money back.

ThHeretic

Keep 75% of your profile simple. Broad ETF's. I'm bullish on bitcoin over the next 20 years, but feel free to drop it if you aren't.  VOO(50%), SCHD (15%) and FBTC (10%) Add consistently and rebalance occasionally.  Use 15% in a mix between established high growth stocks that you believe (whatever is the current "MAG 7" or flavor of the year). Buy when it dips and buy when it grows. Use 10% on moonshot plays. Disruptive growth stocks that could see exponential growth. Do your research and set a timeline (5-10 years). Don't get suckered into doubling down on a good month. High risk high reward, but a total loss won't crush you.  This breakdown shoots for consistent long term growth. It's not going to make you an overnight millionaire, but its tried and true. 

SonOfKong_

I bought SCHD shares on Monday

thetreece

There is no good reason to seek dividends specifically rather than total returns. Dividend focused funds will probably have lower returns over the long term compared to a general broad market ETF. A taxable brokerage account it is an extra bad place to put something like SCHD. So no, buying SCHD in a taxable brokerage account is not a good idea. It's also not a great idea to buy SCHD at all.

lepetitmousse

I have a total real returns for those time periods. Not sure why our numbers differ. 10 Year: VTI: 219.03% SCHD: 182.25 5 Year: VTI: 100.69% SCHD: 78.98% 3 Year: VTI: 67.51% SCHD: 27.29%

TheConvincingSavant

SCHD has outperformed VTI on growth over 3-year, 5-year and 10-year spans.

zerkeras

Yeah, I would move the $100k into a brokerage account. What you invest it from there is up to your risk tolerance. You say you want dividends to use for things like vacations or other “bonus” spending. However, you could still do that with any investment. You could set up automated sells or sell when you wanna use some of those funds, for example. SCHD is really meant more for income than it is for growth. If you don’t care about growth then sure, but there’s reasons to still want to grow your money at a young age for non-retirement purposes. You could still use some of it when you want to. It just won’t automatically get dumped into your account from dividends. I’d personally recommend something like VTI for a total stock market fund.

SnS2500

\> But I’m not sure what a better move would be. Focusing on investments that make you money, rather than the government. \> Would SCHD really be such a bad idea? Since its inception, SCHD is up 380%. SPY is up 516%.

therealjerseytom

> Then your dividend stocks will be hit even harder and they're more likely to lower or stop paying. Does the data support that though? SCHD's yield history has been pretty consistent. Or if investing in individual equities, you're certainly free to invest in sectors that are less economically sensitive and less volatile than the broader market.

jpcarsmedia

No, you can play with SCHD in your Roth IRA.

like-a_sturgeon

Most of the time yes you are right but not always. For example in my bracket and for many with lower incomes like myself will pay zero or near zero taxes on the dividends SCHD gives. If the goal is generating a regular income with minimal taxes and you are in my tax bracket then SCHD would be the better as the spread between most low turnover growth funds and SCHD are rather small. If I were to invest in say SCHG and needed to sell of funds every few months for income I would be paying up the wazoo in short term capital gains tax at both the state and federal level. After capital gains tax, the time to deal with filling/paying taxes and so on the difference becomes so small that you're near a brake even point. Now if the point is growth for say retirement or a big purchase 10+ years down the line like a house then SCHG makes zero since at all regardless of taxes.

MarionberryMuch475

Not a bad idea at all—SCHD is solid, especially if you want reliable dividends. Yeah, it’s less tax-efficient in a taxable account, but if your plan is to eventually live off the income, that trade-off can be worth it. Also, Buffett and his team had some thoughts on dividend investing vs capital appreciation at the last Berkshire meeting—this gives a cool breakdown: [https://aifinancial.ca/berkshire-hathaway-shareholders-meeting-insights/](https://aifinancial.ca/berkshire-hathaway-shareholders-meeting-insights/)

lepetitmousse

It's not a bad idea but it's also not necessarily the best idea. If you want broad market exposure, VTI historically outperforms SCHD, even with dividend reinvesting.

maxraxchillax

SCHD by June 24th to collect dividends on June 30th. Or SPYD by June 20th to collect Dividends by June 25th.

like-a_sturgeon

If you goal is generating income with less taxes then SCHD would be a good idea as its dividends are qualified. however depending on your tax bracket and income you may be better off with a growth fund with low turnover like SCHG.

TommyGunnz209

Ok I’ll check that out, I definitely want growth holdings. I thought about SCHD but a lot of people told me you don’t need dividends until 5years from retirement or in retirement..

inutilbasura

If your mortgage is for 20 years, and assuming 3.5% annual appreciation of your property, then your initial investment of 150k$ will become 700k$ after 20 years. On top of this, you have an income of 8400$ per year, which assuming it increases with the value of the property at 3.5% per year, totals 237.5k$ over 20 years. So assuming no reinvestments or additional expenses (e.g., house maintenance, taxes, etc.) your initial investment of 150 k$ will become 937.5 k$. Compare this to a popular dividend ETF like SCHD, with an annual price return of 7.5% and a dividend yield of 3.5%. If you invest 150 k$ in SCHD over twenty years, the total stock value will increase to 637 k$ and you would have received 227.5 k$ in dividends, for a total of 864.5 k$ over 20 years. Once you add in maintenance costs and factor in taxes the stock market may come slightly ahead but within uncertainty, I'd call it a wash. The reason why one would prefer the stock market is that it carries less risk (not all your investment is in one asset), much more versatile (you can always sell any fraction of it with a click of a button at any time), and you don't have to worry about it (no tenant, no hassle, no investment of your time).

Digital-Doc-777

I also put some stable, hold forever items in my play account including IVV and SCHD so that the account really can't go to zero, and I could reconstitute some more play money from the dividends if needed. Again, majority of money is the safer, passive investing route which I recommend for the bulk of the dough for most.

Anthrax2112

Hello, I (30m) recently did some rebalancing of my portfolio and I am looking for feedback. I keep most of my money in my HYSA but I am looking to move more into the market for long term growth. I have established a small (14k) portfolio and want to grow it. Currently I am holding: VOO (65% of portfolio) SCHD (20% of portfolio) VXUS (10% of portfolio) BTC (5% of portfolio) I am currently able to invest $225 weekly into my portfolio and plan to split it to maintain the above ratios. Is this a healthy portfolio / strategy for long term (maybe 10 - 15 year) growth? Am I better off putting this money somewhere else? I would love to hear other people's feedback.

DougDividends

Loading up on MSTY, SCHD, and JEPQ

seldom_seen8814

Dividends are good when you’re old/retired. SCHD is a solid dividends fund, but has limited growth potential. I’d probably just VT and chill until retirement, and then sell some VT and buy SCHD and some bonds maybe.

Goatey

I don't fully understand the point of fractional shares. Schwab repriced its ETF shares to around $20-30 a share and I feel that's a wiser choice. SCHD, SCHK ans SCHH are all good places to start looking. If you can't afford a full share of a stock, the wise thing to do is buy an ETF and hold it. I started nearly 2 decades ago setting aside what I could afford, even if its only 25 a month. The habit of consistently investing what you can reasonably afford pays off when you see your dividend paying being enough to purchase even more share. 

SirGlass

>For example: it’s better to buy VOO for 30 years, then sell it and buy SCHD to live off dividends. Compared to JUST buying (and using DRIP) on SCHD for 30 years and then live of its dividends. What is the obsession with living off dividends? If VOO gives you better return, why would you switch just because your retired? Now you may say VOO is risky and SCHD is less risky , its really not MUCH less risky. For example in the covid panic SCHD dropped 32%, VOO dropped 33% or so its really not some super safe investment. 100% SCHD is probably too risky for a retired person, so you would still want to add bonds for stability So I see no use for SCHD, when I am retired and want more stability I will just keep my 3 fund portfolio and up the allocation to bonds

mcDerp69

I used to be an SCHD fanatic and I think there was an argument for a fund like that that appreciated in value AND had great dividends. However, it has plateaued in recent years and you're still better off growing your money via SP500 and THEN transferring to a dividend fund (if that's what you want to do). As someone who was a dividend bro, I don't think they're worth it. 

aceman97

Yes. You are correct. Chasing growth over dividends wins in the long term. For example, over the last 10 years VTI outperformed SCHD by 14.6%. To put it in real money terms, had you put 10k into VTI compared to SCHD, you would have 4,120 more dollars by choosing VTI over the last decade. Now what does SCHD have over VTI in the past 10 years? It’s had lower volatility during market downturns. Chase the growth.

AliveSurvey2183

VGT, SMH, SCHD. You need nothing else

NineAsiansAtSubway

Damn, just sold 135k worth of NVDA to buy SCHD, JEPQ, and MSTY equally

taxotere

It’s sort of a barbell idea: have two sufficiently different (ideally uncorrelated) investments. I do that with my US portion of the portfolio: 2/3 SCHD, 1/3 TQQQ, ~200 companies covered. Also have BRK.B as a forever position I intend for my kids.

NITROW_

buying QQQ is not investing, you’re betting on the technology sector continuing to outperform. There’s also no point in buying SCHD as it’s already in VOO, same for QQQ. Just buy VTI if you live in the US or VT for mor diversification

NineAsiansAtSubway

Bought some SCHD, MSTY, JEPQ today tho boutta harvest some divvies for the passive income

flyinsdog

SCHG if you’re aggressive, VT if you are mid, SCHD if you’re conservative

rankmatters

I want to but my full porfolio it’s at 10K, my goal is to get 25K so no more PDT, and all I have is a few stocks My biggest stock is SCHD (for dividend plays) with 48 shares But I haven’t been sold on the idea, I can build up my spy during this year, im still young, it’s possible right?

Micronto65bymay

At least my wife's boyfriend's SCHD shares are green.

VeryStableGenius

The nice thing about TSLA and other memestocks is that they soak up money that would otherwise be making normal stocks more expensive. SP500 P/E is 26, QQQ is 31, while on the value side SCHD is at 16.4, and VTV, SWLVX, and VYM are at 19 to 19.6.

JemHadarSlayer

Similar situation. I told them to put all in SCHD.

JPOWs-Cum-Slut

SCHD is gay and sucks balls

Mindless_Machine_834

I did my buys today. It was nice to see the SCHD love. Hopefully it won't be lower tomorrow 😉

IDreamtIwokeUp

Growth will do better. Don't believe me, punch in a reputable growth fund and a reputable dividend fund into a comparison tool and look at the results. Here is Schwab's lead growth fund (SCHV) vs their lead dividend fund (SCHD). [https://portfolioslab.com/tools/stock-comparison/SCHD/SCHV](https://portfolioslab.com/tools/stock-comparison/SCHD/SCHV) SCHV (growth) has done better. A growth investment from 5 years ago would be at 108% vs 83% for dividend.

Indep-guy

Exactly. The "risks" that were becoming apparent were crazy ass tariffs and who knows what else to come. The amount of anti-US sentiment generated is part of the fallout. No need to accept these risks. I went 70% VUSB (short term bonds) and 30% spread across international (IVLU and a couple others) and some SCHD and one or two homeowners ball stocks (ASTS, which i have been holding). VUSB will likely return 5%+ this year, so 70% getting 5% return, plus whatever from the 30% equities, is not nothing. "Cash" does not mean 0 return

ammoclub

If you’re in it super long term then max out IRA into dividend ETFs like JEPI and SCHD

AsmodeusOm

Housing will likely come down in the coming years. You can most likely look into just doing a diversified portfolio. I’m not sure how old you are or what your time horizon is but a model portfolio would be VOO 50% SCHD 10% VXUS 25% TLT 15%

StiffmeisterSteve

go for SCHD and chill.

probabilitydoughnut

I tried that for the better part of a year. I switched to income and dividend ETFs (SCHD, JEPI, JEPQ) about six weeks ago and have already made more in dividends AND made more in price appreciation than the mutual funds, and it isn't even close. I made a little under 3% return on mutual funds and am on pace for about 12% from the ETFs.

Odd-Record-1041

In May, I saved 82% of my income. I'm a 23-year-old guy living at home. I typically save/invest around 75% of my income each month. I contribute 10% to my 401(k), with a 3% employer match. My Roth IRA will be maxed out in September since I put $800 a month into it. I also put $500 into a brokerage account and another $600 into a savings account for a down payment fund. Starting in September, I plan to increase my 401(k) contribution to 15%. I’m fortunate to live with my aunt. My only necessary expenses are insurance (auto and medical), phone bill, gas, groceries, toiletries, and other essentials. I own a Mustang that I paid for in cash. Also, I have no student loans or any other debt. My retirement accounts I automatically invest into every paycheck. My 401(k) is 60% Fidelity 500 Index (FXAIX) and 40% Fidelity International Index (FSPSX). My Roth IRA is 60% Vanguard Total Stock Market (VTI), 30% Schwab U.S. Large-Cap Growth ETF (SCHG), and 10% Vanguard Total International Stock Index. I am still working on getting to my target percentages for my brokerage. However, my targets for my brokerage are 50% Schwab U.S. Dividend Equity ETF (SCHD), 25% Vanguard International Dividend Appreciation Index (VIGI), 20–23% Alphabet Inc. (GOOG), and 2–5% Canadian National Railway Company (CNI).

LocalCurmudgeonHere

Up 37% YTD, but have put quite a bit in ETFS like SCHD because I went all in. Figured it’d be good to get some defensive plays in there Also, still waiting on some of my biotech plays so that could explode or crater.

Robot_Hips

I’d just do VOO. But QQQ and SCHD would be good

SlyAugustine

Dude just took a SCHD

SlyAugustine

wtf going on with SCHD today

tarrat_3323

SCHD is always a buy at any price

EmpathyFabrication

SCHD still down from its recent high. I still think this is a decent buying opportunity.

ZoominBoomin

Something like VOO/VTI coupled with SCHD isn't that bad

xiongchiamiov

> I just don't see the point of having my money in SCHD or VOO if QQQ is going to do a lot of the heavy lifting and have the best returns. Agreed. But we don't in fact know that will be the case. First off, QQQ is a bet that what exchange a company lists on predicts future performance. Do you really believe Pepsi (nasdaq) is definitely going to beat Coke (nyse)? Usually what folks are trying to get is a bias towards tech companies or growth companies. There are more accurate ways to do that (VGT+VOX, VUG), but they assume continued outperformance of things that have done well recently. [We know that these sorts of things aren't consistent](https://www.bogleheads.org/wiki/Callan_periodic_table_of_investment_returns) and so a strong bias that way may simply be buying at high prices for mediocre returns. Or it could end up really well - we don't know. That's why we buy VOO and other broad funds.

MiniFancyVan

And then there’s SCHD, which I can’t wait to crawl it’s way back to what I paid for it so the sell order goes through.

Druid_Gathering

60/40, SCHG/SCHD, unless you’re over 55. If over 55 then 70/30 SCHG/USFR. I am not a financial advisor and this is not financial advise.

Druid_Gathering

60/40, SCHG/SCHD, unless you’re over 55. If over 55 then 70/30 SCHG/USFR. I am not a financial advisor and this is not financial advise.

VeryStableGenius

SCHD ETF is paying 4%. The hard work is done.

kev13nyc

$1000/wk into VOO, $500/wk into SPY, $500/wk into SCHD .... that way you DCA should market tank ....

emperorjoe

10-11% in the 401k. Plus 3% match. A Fixed amount into my annuity with my union, Winds up at like 6% Then from net income I save in taxable accounts and my IRA which winds up at around 30%. So around 47% of my income is invested. My portfolio is just a basic core/satellite. FXIAX in retirement accounts, QQQ/schg/SCHD plus some individual stocks in taxable.

InjuryEmbarrassed532

Dividends are not free money and are also taxed unfavorably. SCHD underperforms VTI.

WritesWayTooMuch

You've mentioned nothing of how this gold fits in the rest of your portfolio...risk tolerance.. goals. So all I can go on is you have some money...need to spend 5k and are 2 years older lol. Put 5k in a high yield savings account til you need to spend on your mystery expense. You obviously like gold....so keep some but not much. I happen to agree it's I likely to go up forever. However... With bond rates being not too too high, dollar losing value and China/Russia needing more gold to challenge the US dollar dominance ..I see it being strong in demand for another year or two. Anything past that is past what I can imagine right now. I think putting 60 in low cost diversified ETFs is responsible. Just any sp500 ETF or total market ETF is fine Of the 40% remaining....do a max of 10% in gold. Do 10% in Bitcoin (just buy the HODL ETF). Last 20%... Feeling aggressive you can buy a large cap growth etf. Feeling conservative buy a dividend ETF like SCHD or international ETF like VIGI. Want to swing for the fence....look into United healthcare.

riisenshadow92

SCHD, pays 3.9% dividend , basically collect $100 per year to start, plus the growth of the value of the etf

Infinite-Truth-6381

If you plan on being more of an ETF investor, 80% SCHG 20% SCHD and chill. If you want to pick individual stocks, my pics right now are Rolls-Royce (RYCEY), Visa (V), Amazon (AMZN), Kinder Morgan (KMI), and Advance Micro Devices (AMD). Of course, do your own research on these companies, their business models, and consider if you even care about the company before investing. The worst companies you can invest in are companies you don’t care about that someone else told you is a good buy.

Fangore

I'm 32 and am living comfortably. I have savings to last me a while, so I don't ever plan on liquidating any of my portfolio. At least not until I am considering retiring. Currently, my portfolio is 50% into QQQ, 25% in SCHD and 25% in VOO. I just don't see the point of having my money in SCHD or VOO if QQQ is going to do a lot of the heavy lifting and have the best returns. My plan is to throw everything into QQQ. Then when I'm +55, I can start looking into slowly readjusting my portfolio so some of my gains from QQQ will be put to SCHD for a more stable source of income with dividends. How stupid of an idea is this?

everySmell9000

bro why not buy VUG instead of that boomer etf SCHD? kid’s got plenty of time for growth. dividends are not optimal for a roth.