SCHD

Standard_Tea8250

32% ytd im just putting it all in SCHD and chill the rest of the year

usa_reddit

Why? because I am only looking for the profit and not looking to be a long term investor in energy. I just want to get the pop, take the profits, and sell. My strategy is that I buy some to establish a position and if it goes down, I sell all and lose a little. If it goes up I keep buying then sell and take profits once it reaches the new line of resistance and move back to cash. In a normal market I would agree with you on VOO, but this is NOT a normal market. This is a pump and dump market being manipulated by Tweets. Looking at the year so far: VOO is down -.52% YTD MSFT is down -21.12% YTD GOOGL is up +1.06% YTD For me rotating in and out of energy, tech, and gold my portfolio is up +7.33% YTD as of today. I am waiting for VDE to either drop back to $138 or for news that the IRGC detained a tanker, then go back in on VDE, ride the wave, take profits, and move back to cash/SGOV. If things ever get back to semi-normal I will get back to boring Bogglehead investing but with the VIX (volatility) being high there is money to be made by shuffling around. So far YTD in my portfolio IAU 6% ITA 10.37% SCHD 11.24% VOO 3.96% MSFT -3.94% Also, I was crushing it with SMH which is still rocking, but had a Trailing Stop set too low and a morning dip got my SMH. :( I really want that ETF back at a discount. Oh well. Why Microsoft? Microsoft is flush with cash and I think they will be the tech comeback story of the year. I typically don't like to buy stocks, but I have a good feeling about them and their cloud services even with the AI CapEx burning money. I am not a genius and this could all just be luck but 7% makes me happy.

paragonx29

I hold GPIQ. Going to start adding bigly to this position and also start one in SCHD. GPIQ's distros continue to be mostly ROC, and SCHD's are qualified of course. I'd like to retire in about 3 years, so I figure I need about 100K in these positions to start a decent monthly income stream in retirement.

MechRxn

I figured as much - I went ahead and sold my SCHD at a break even price and jumped into GEV and VRT with some small positions. Appreciate the reply!

MechRxn

I am 39 yrs old - have never been able to save up until this point in my life. I am making 105k salary and I put in 5% - my company matches 10% so ~15k goes into my retirement per year. I only have 10k in there. 30% of that and my contributions goes into a personal choice fund - I select the stocks. I have mostly MSFT, HOOD, SWMR, SCHD, META, MRNA, JPM, BROS, PLTR, and RDDT. My question is - should I even have SCHD in there? I know its basically a dividend stock, but I am wondering with my age (40 in a week) and lack of savings if I should put it into more aggressive / growth based stocks such as my other selections. Let me know what you think!

tolas

Half in SGOV half in SCHD is one option. SCHD gives you some market upside without \*as much downside risk. And SGOV gives you a good rate with 100% safety. This is assuming you will need the money in the next 1-3 years. If not 100% VOO and let it roll.

AlGAdams

Google, Phizer, Amzn, SCHD

CharmingMix757

if you want true set-and-forget, broad ETFs like VTI or SCHD are boring but reliable. you could also look at Alinea Invest if you want somthing that automates stuff for you instead of picking individual stocks. those small caps you listed have potential but also way more risk of going to zero over years.

MaddRamm

I would park a lot of it in stable dividend paying companies/REITs/ETFs (like SCHD, DGRO) and also bonds/ETFs that cast off enough cashflow to fund your lifestyle and be able to leave the principal untouched with some potential for growth over decades. Also, set up various CD ladders and open some HYSAs at a few institutions like local credit unions and large banks to keep risk of a collapse from taking you out. Basically, buy plenty of assets that cast off cashflow and are low risk and diversified so you don’t have to sell the stocks/equities to fund your lifestyle for an extended amount of time.

Standard_Tea8250

Putting all cash in SCHD

usa_reddit

By timing the market, doing a little extended hours trading, setting stop limits and periodically moving back into cash I am at +7.2% for the year. Last night Trump graciously terminated the end of civilization attack just before 8PM so the extended trading hours were still going and I was able to dump all the energy stocks. When the VIX is over 25, there is decent money to be made rotating in and out of ETFs, Stocks, and Gold. I would like to thank Gold, VOO, SMH, MSFT, ITA and SCHD for helping me crush the S&P, DOW, and NASDAQ in Q1. When the VIX is high riding everything into the ground just to stay in the market doesn't seem wise. I say learn to take profits, move back to cash, then rotate back and "sell the news and buy the fear" is a good skill. I think that "missing the best days" is as important as "intentionally avoiding the worst days" for growing your returns. What I think breaks this is that people get out, move to cash, then don't actively manage and get back in. Investing needs to become a lunchtime hobby. :)

Useful_Intern4114

Just calculate what you need for taxes at 40% put that in a HYSA, then put the remainder in a diversified portfolio heavy on SPY and maybe SCHD for the dividend. You win lol fuck you

Brilliant_Tax_4009

Good come up! Try not to mess around and lose it now. This is the time when you put it all into a few different sector etf's and live off the dividends for the rest of your life. 100k into PLTY will give you a WEEKLY return that should suffice for most of life's necessities and the quarterly and monthly dividends from others like SCHD or a fallen angel etf will be like bonuses.

HoneyBadger552

i am throwing more into SCHD since Elon is too cheap to offer a dividend. But! Bulk of my stocks are momentum stocks.  Unless space x shows some actual gains and revenue, I hope this garbage doesnt hit my ETF's

Eyrase

Good job. Take the money, pay off your loans, go on a vacation. Put half of the rest to qqq and tqqq and the other half to $SCHD and BRK.B

Muted-South4737

My side project is a lil' dividend income portfolio comprised of SPYI, QQQI, and SCHD. Something to take the edge off when I lose at options, which is all the time.

BeautifulAuthor9167

Stick to that 40/40/20 split but rebalance once a year. If $VGT$ moons, sell some to buy $SCHD$.

Legitimate_Treat_762

I agree on holding off on SCHD, but VOO should be a winner. Don't know much about VGT

greenpride32

VOO (SP500) has near 70 year history with over 10% annual rate of return with dividends reinvested. But of course it's not going to be 10% compounded each year (like bank interest); you are going to get lots of ups and downs. At 10%, you're looking at doubles roughly every 7 years. VGT will have higher potential gain, but more volatility than VOO. Unless you want distributions immediately in 21 years, I'd probably hold off on SCHD for now. You can rebalance into later for distributions. SCHD past 10 years performance is about 150% gain and 150% increase in distributions (or 40 cents to over $1.00/share).

AnnaSmiled2

I am in VTI and SCHD. And XLE, USO and FANG. The last three are energy focused

UndercoverGTR

You think the strait will be reopened soon or is VTI and chill gonna turn into SCHD and chill?

Educational-Shock-36

VOO and SCHD all day and night time to

SerMumble

Dividends are for retirement, less risk, less growth Growth is more volatile and increases in value more than dividends and are more tax efficient especially in taxable accounts. People in their 20s to 40s should primarily focus on growing their savings and later shifting to more dividend focused assets for retirement. It's okay to have a small satellite of a dividend asset like SCHD or SCHY for example to take advantage of a market rotation into value stocks or as an emergency fund/shield.

Sure_Smf

JEPI is great from an income/dividend standpoint, but it's all dividends with zero appreciation. For a more balanced total return (dividend and appreciation), I think SCHD is a better play. JEPI's dividend is 7%, I understand, but compare their total return over the past 5 years. Good Luck!

Rusty_Catalyst

Are you investing in individual companies that have dividends or mutual funds? There's two types of etfs available. Some for growth and some like SCHD that are more for the dividends. Typically someone your age will invest in growth early on and then move the money into dividends once they're closer to retirement to avoid major price swings in the market or individual stocks.

kasper918

Yeah buy ETFs like $SCHD $SCHG $VOO $VTI

AlGAdams

Yeah I add to SPY and SCHD still.  Im 40% in SPY, 15-20% SCHD and then for individual stocks AMZN, GOOG, NVO, PFE, KSPI and BEAM.  I sell calls on everything and will normally buy more through CSPs.

The_Patsy

If our fine feathered friend had parked that $3m in SCHD and then never traded again, that's $9k per month to lay at home in bed.

DeerSimilar3688

Ohh what I would give to make my salary for 0 work on SCHD dividends alone. Some people have it too good and fumble the bag anyways...

altezzzzza

Even with SCHD reinvestment it won’t beat HYSA?

BobtheChemist

You can look here or elsewhere and find good balanced postfolios of 20-40 stocks/funds almost any day. If you simply buy $50,000 of each stock, you have a good mix of stocks, and can almost always find winners and losers to sell as you need to adjust your taxable income each year. Use the top 40 stocks of SCHD, S&P500, or most any index fund and you will get a decent mix of stocks, there are even published portfolios that cover all sectors of the US or world economy, but I would do international stocks via an etf in a tax free account, as they can be a pain in taxable accounts. I did that starting 20 years ago, and it has served me well. Like buying an equal amount S & P fund. That avoids being too invested in the top 7 stocks.

NetZeroSun

I’ll just be happy with my vt/SCHD / divo thank you.

ArtetasSecretBaldCap

I use my Traditional IRA to buy volatile stocks, my Roth IRA to buy ETFs, and my individual account to park my money. Trump's policies don't affect my wallet, if anything I've been profiteering from war because I'm invested in uranium and iron, among other things like Coca Cola. If I was your age and I had any amount of cash at my disposal that I don't really "need" I would put it on SCHG and SCHD and wait 15 years for instant gratification. Definitely 100% do not let geopolitics get in the way of a good payday

Nestado

You can't have enough of dividends and companies that regularly pay and increase dividends every year are the most stable companies in my book. I went with SCHD since it has the least amount of overlap by weight with VOO and low P/E ratio. I also consider SCHD methodology to be superior than what's most on the market. Another great addition is AVUV and to a less extent, AVDV. But no need to overcomplicate.

Nestado

I admire your effort to staying the course. But I am skeptical of this economy and the furture of AI so I started contributing more to SCHD. It's a high dividend ETF, but that's not why I hold it primarily. I hold it because the company is in this ETF are profitable and better suited to weather a bad market.

myrrhsea

If the stock is doing better in this cycle, you'll be buying at a premium. If the stock is dropping in this cycle, you can buy at a discount. Personally, I just use ETFs. I'll hopefully be scraping together some loose cash to put into SCHB. Maybe SCHD if I want more concentration in consumer staples, energy, financials, etc. or SCHG if I want in on a possible tech recovery. We can't truly predict the market. Just keep buying what you like when you see red and try not to miss the recovery. No one knows where the real bottom is. Or even the top for that matter. Don't gamble, invest :)

EmbarrassedAd9057

Solid foundation — VOO + SCHD as your core with VXUS for international is a smart framework. A few things the numbers show: **Your biggest gap is international exposure.** VXUS at $1,500 is only about 3% of your portfolio, which means you're almost entirely betting on the US continuing to outperform global markets for the next decade. That's been the right bet recently, but over a 10-11 year horizon it's a real concentration risk. Your plan to build up VXUS is the right instinct — I'd actually go further and direct your entire $500-1000 monthly contribution to VXUS for the next 10-12 months until you're at 15% international. Your VOO and SCHD positions are already large enough to compound on their own. **JEPI is worth rethinking at your timeline.** Covered call strategies generate great income but they cap your upside in bull markets by design. At 10-11 years from retirement with a late start, you arguably need growth more than yield right now. JEPI makes a lot more sense 2-3 years before retirement when you're transitioning to income. The $6,000 there could be working harder in VOO or VXUS during your accumulation years. **MU is your wild card.** At \~5% of the portfolio with roughly 2x the volatility of the broad market, it's your single biggest source of downside risk in a severe tech downturn. Not portfolio-threatening at this size, but worth knowing it'll swing twice as hard as everything else. NVDA at 3% is fine. **What's working well:** Your effective diversification through the ETFs is excellent — you're exposed to thousands of underlying companies despite holding only 8 positions. Your portfolio shows strong defensive characteristics, losing roughly 23% in simulated crash scenarios versus 30% for the S&P 500. Your sector coverage is solid through VOO and SCHD — you've got good healthcare, tech, financials, consumer, and energy exposure baked in. The only real gaps are utilities and basic materials, which are small sectors and not worth chasing. And your 3.0% yield is more than double the market average, so the income engine is solid. **If I had to prioritize:** VXUS contributions first, reconsider JEPI's role second, everything else is fine to hold and let compound. I ran your portfolio through an analysis tool I've been building — it simulates crash scenarios, calculates sector coverage, and flags risk concentrations. In a 2008-style market crash your portfolio drops about 23% vs 30% for the S&P, and in a tech-specific crash it holds up even better thanks to the SCHD/JEPI buffer. Happy to share the full breakdown if you're interested.

leaning_on_a_wheel

If you want to maximize returns you should ditch SCHD

myrrhsea

The only thing useful about all the media is that it provides information about different investment strategies that you can cross reference with each other. For example, I can watch a video about using SCHD and JEPI to form a dividend snowball, and then watch a video about how focusing on growth first beats dividend reinvestment long term. If you already have a strategy that works for you and meets your goals, then it's all noise. If you're still developing your strategy, then it's education to take with a grain of salt. Treat it like research and put everything to scrutiny. Then you can find the best strategy and it all becomes noise again.

Romulus4Remus

Try all world ETF stocks like VT or it's ucits equivalent if youre in Europe. If you want to get cute you can add region/sector specific ETFs to specifically over or underweight certain regions/sectors. For example I am invested in 60% VT, 10% vwo, 10% vpl and a 20% home bias ETF of chspi. If you want to overweigh Europe more you could also add vgk instead of chspi. Alternatively if you think straight up market tracking is too volatile you could do some factor based ETFs such as SCHD/SCHY or DNL/DGRW. However it's always a toss up if factors can really beat the market, especially as the diversification is a lot lower on those. At the end of the day as long as you are invested in a diversified portfolio instead of single stocks and keep the money there for at least 10-15 years you'll do good enough.

SurfAccountQuestion

I don’t have a 50/50 split of QQQM and VTI. I also hold SCHD in roth and VXUS. I also reserve a bit of fun money to trade whatever I have conviction in.

Ahamadrayasbaboon

On top of that, dividend funds tend to underperform their competition that don’t use thar selection factor, and covered call funds always underperform the underlying long term.  Examples: SCHD vs SCHG,  SPY vs SPYD, SPY vs SPYI, etc. 

Zestyclose_Panda_886

SCHD bought low and sold high. Now, everyone's pissed!

SophonParticle

I like the SCHD. I would go a lot heavier into VXUS. 

dringledrangus

Buy ETFs that are good and hold. VOO for instance. That is the strategy. I have SCHD for some income growth and VXUS for non-US exposure. That's it... that is the secret.

Beginners_tech

I am looking for an investment strategy to fund my vacations. I already have retirement accounts and traditional accounts and all that fun stuff but I want to set up an investment account that pays me out in dividends or some sort of pay out every year. I figure I need about $2500 a year for the trips id like to do. Any suggestions on what to invest in? I was looking into SCHD, or JEPI or something similar. I was also thinking about t bills or CDs. Just looking for some ideas

bank_truth_cs

HYSA rates vary a lot depending on the bank so it's worth shopping around before you commit. Our website has a full list of CDs and HYSAs so you can compare what's actually competitive right now. If you prioritize liquidity, stagger your CDs so you're not locking everything up at once. KO and SCHD will pay dividends but don't expect them to beat a good HYSA or CD rate over just 6 to 12 months.

drew-gen-x

What's your choice for an ETF for the S&P 493 stocks? $SCHD??

Machine8851

Why not invest in value ETFs such as DIVO, IDVO, and SCHD which are not heavily reliant on volatile mega cap stocks in VTI and VT..

HesiPullup

SCHD is up 10% YTD btw

trsx5

On a good note, $SCHD up 10% YTD and paying me 😎

trsx5

On a good note, $SCHD has been doing great through all this mess. Up 10% YTD and paying me 😎

Investoid

I started investing around 2009 in two large vanguard index funds. There was negative periods were there was not looking great but I still contributed with every paycheck.  I am still holding at an 11% upside in those index funds. I have a smaller position I opened about 2 years ago in SCHD just for fun. That position is also holding about 11% upside despite the swings in the market so far. The longer you maintain broad index funds without panicking the better they do.

Moccabean70

I started out with SCHD ($14K) and JEPI ($6K), did a little research and realized VOO would be a great growth stock, NVDA and MU gives me tech exposure, LMT (possibly good with the current geopolitical situation), VXUS covers international and O for real estate. Basically I was looking to add structured diversity. The amounts are allocated based on when I have $$ available and what I feel is a good dip. I’m still learning…

drew-gen-x

I'm not touching software stocks or $IGV. Maybe they recover but the odds are pretty damn good that they will all be repriced to lower fwd multiples x earnings going forward. So far I've been pretty lucky that $VT and $VXUS have hung in their pretty well vs $QQQ. Tech is not as big as a % of the market cap for $VXUS and other foreign indices compared vs $SPY. $SCHD has hung in there pretty well as well for an US stock ETF equivalent.

Muted-South4737

SPYI QQQI SCHD. Simple, easy to manage, they meet my long term dividend portfolio goals.

cdude

I'd get rid of SCHD and JEPI. Did you watch a tiktok influencer mention the terms DRIP, cash flow, or passive income?

Lingweenie2

I have a pretty big position in SCHD also. Definitely a good choice overall. ETF wise I stick with VOO, SCHG, and SCHD personally.

Incorgnitos

SGOV does not grow (capital appreciation). SCHD will always outperform SGOV over a long term, because it has dividend accumulation + capital appreciation (growth).

aspenextreme03

Yeah true that makes sense. I have a good bit of it from way back and mostly do SCHD or even SGOV if I just want the yield w/o paying state taxes vs HYSA now but will look into it more.

IndependentTrouble62

Long term schd hopefully will out perform sgov with growth. However, SCHD is not far off its 12 month highs going into an energy crisis. Highly, likely to get a better entry point ij a few months.

MistressMinaDear

If by FTSE all world you mean something like VWCE / VWRL, you’re already insanely diversified. That one fund holds thousands of companies across the whole world. For a first time investor, that’s usually more than enough. QQQM and SCHD are both US focused and just tilt you more toward the US and specific styles (growth / dividends). That’s not necessarily “safer”, it’s just a different bet. Biggest thing is: make sure your time horizon is long, you’re ok with volatility, and you don’t need this money soon. A simple global index + sticking to the plan usually beats overthinking the slices.

IndependentTrouble62

SGOV it better than SCHD right now. Significantly less downside potential, higher yield, and tax advantaged.

Incorgnitos

If you're going after dividends right now, pick a dividend king that *isn't* struggling. Otherwise, just do something like SCHD and chill.

SumGreenD41

SCHD for dividends

BiscottiSalty2354

FTSE All World is already \~90% of the investable market—adding QQQM/SCHD isn’t real diversification, it’s **tilting toward US large-cap + dividends**. So the question isn’t “should I add more?” but: **Do you want to overweight the US and specific factors?** * QQQM → more tech/growth concentration * SCHD → dividend/value tilt If you don’t have a strong view, just stick with FTSE All World. If you do, keep tilts small (10–20%), not 50%. Simple beats complicated, especially for your first investment.

Finance_Guy297

FTSE All-World is already one of the most diversified single ETFs you can hold. Since it has around 3,700 companies, across developed and emerging markets. Adding more funds on top could mean just adding some overlap, not more diversification. Also QQQM and SCHD are not available if you are an European investor, because you're subject to PRIIPS regulations, which basically that means you can only buy UCITS ETFs. QQQM and SCHD are domiciled in the US and don't have a KIID, so your broker will unfortunately block the purchase. The UCITS equivalents to those would be something like EQQQ or IQQH if you more prefer it to be more focused on dividends. Holding only VWCE, already includes around 65% of US equities, including heavy Nasdaq and dividend payers, plus is also good globally diversified. Meanwhile, adding a Nasdaq ETF on top, would move you more towards tech concentration instead of more diversification. But if your tilt was intentional, it is completely fine, but you're kinda betting that tech/US will outperform relative to global cap weights. And in general, for a first time investor with a lump sum, remaining simple is a very good move, because is easier to manage and to start to learn some more.

Humble-Procedure-134

SCHD

HHSquad

Holding and weathering the storm. Occasionally buying SCHD and particularly good buy etf's

Nestado

You then must have a much bigger risk tolerance than me. I can't stomach big drops so I keep it conservative. SCHD is my most beloved holding. I'm also a big fan of Avantis funds that focus on fundamentals like value and profitability. 

Employee28064212

Sold my Nike (NKE) and Shell oil (SHEL) stocks. Building a little cash reserve and just buying SCHD weekly right now. Going to move into JEPQ next.

LucreziaBorgia210

If I had $1,000,000 in total gains I would sell out my entire position and buy SCHD and forget about the stock market forever.

rayb320

Gave it all back, people talk shit about SCHD lagging. This is hilarious to me. I'm up 12% right now, with the reconstitution I will be up more.

WinthorpStrange

Right now not buying anything different mostly SCHD or crypto buy have been eyeing up Viper Energy stock

RockChalk9799

Up 0.6%. Shifted more conservative last fall and SCHD has been the hero for me this year.

TheDarkestTriads

I would recommend $2k SCHD, $2k VOO, $2K SPMO next week then the same every 2 weeks to average down if market falls.

ImfamousDante87

SCHD, SCHO, VXUS, O, . I was looking to rebalance some of my accounts and the fire sale has been a blessing from buffet! Spring cleaning!

JoeInOR

I’m about in your position age wise and financially. I did mostly VOO and BRK-B for the longest time, held through Covid and did very well since then. Trump has thrown me off because populism usually comes with some kind of inflation. I had gone more GNR, SCHY, SCHD. Resources and dividends. I’m currently leaving index funds after reading about the “inelastic market hypothesis” — passive flows inflate active choices — it explains a lot of how we have $4t companies with pretty high P/E ratios. I think AI is cool, but overblown in the investment world. I’m focused more now on Berkshire / Fairfax (people who know how to take advantage of a crisis) and then companies with good free cash flow yield. If you want to be active, read Benjamin Graham. If you want to be passive and preserve capital, maybe 20% in bonds and 80% in a mix of BRK-b and schd. The straits of Hormuz is going to screw this economy badly, even if somehow their opened tomorrow (which I highly doubt)

No-Ant-4659

Bought AMZN, VYM, SCHD, and RKLB. But overall a pretty big loss today

Kind_Scientist5872

In theory this seems amazing, you just made 2.2k on a 0DTE play. but this is probably the worst thing that could've happened to you, winning big for your first options play is going to make you chase highs, your never going to settle for a couple hundred dollars in gains every week or two, your going to chase +$1,000 dollar wins because it seems "easy" now. I'm not hating btw, i'm genuinely happy that you have the chance to invest that money into something good like SCHD, VOO, etc. but just be careful OP.

Beetlejuice_hero

Both safe to average down, but get most of that 50k into the S&P and maybe a little into a dividend fund like SCHD or DGRO or VYM.

FrankelloHello

My typical $777 DCA into SCHD. Roth will be maxed in a couple weeks then I’ll start a VOO / GOOGL / SMR every other week DCA for the rest of the year

Track_Boss_302

Up 11% YTD. Rotated everything into SCHD and cash back on 17Nov on the very strong gut feeling this admin was speed running us off a cliff. I have my price points where I’ll start buying again, but we’re not there yet

DifferentSwing3149

Hate watching them but also taking advantage of the dip. Bought 100 shares each of GPIX & GPIQ. Also picked up 450 shares of SCHD. (Retired)

acap0

SCHD

SerMumble

Best time to be buying SCHG is when the market is considerably down like due to the Iran war. It sucks buying SCHG when it is at all time highs. Healthcare and financials have had very poor growth in the past year and it is what makes SCHG look so dissapointing especially compared to growth funds that are more concentrated in tech. If healthcare and financials outperform tech, that's when SCHG shines. 100% growth like SCHG will have high volatility. It can get rough right now because SCHG is down around 10% and still has maybe 10-20% left to drop before it bounces back. I'm using Russia's war with Ukraine in 2022 for a worst case comparison. In the future, if you're very critical of managing your portfolio, some diversity could help. SCHD, AVUV, international value are some obvious ones counterbalances for different opportunities. SCHD is great to collect in a cooling off market from a hot bull run. International is great to collect during a global war or weakening US dollar. AVUV is just random and nice to buy whenever it drops hard. It gives options so you're not forced to buy only SCHG when it is at its most expensive. But this can be pretty complicated. Simpler portfolios can be better. For simplicity for my ROTH IRA, I do 50/50 SWPPX/SWLGX and auto buy weekly.

zusite_emu

I’ve been able to beat the market by overweighting Canada—particularly in energy, insurance, banking, and mining. The country’s market is essentially a Canadian version of SCHD, which performs well during periods of turbulence.

GoldenAries4

For one, this has room to get much worse. Two, I was actually up YTD from SCHD being apart of my portfolio along with some of the other diversified options. I’ve only had a slight drawdown recently, but not negative YTD.

bmt_original

With the market going lower, and may go further down, the best path for you is to make a plan to invest the same $60k but on a recurring basis every week over the span of next 12 - 16 months … Just pick up some ETFs like $VOO $QQQM $VXUS $SCHD $SMH $GLD The results in around 2 years will amaze you

leaning_on_a_wheel

Ditch SCHD

Cyberhwk

> Is there anything wrong with the overlap of voo and schg? Anyone have insight?? It's absolutely going to tilt you towards MAG7 type stocks, but I thought SCHD probably balanced it out somewhat (whether dividends are relevant is another discussion that always turns into a shit show). So, it's one of those things where there's nothing inherently WRONG with having overlap, as long as you're aware of it and the effect it has on your portfolio.

GomaN1717

I would either increase VOO, or you could always look into something like QQQ or SPMO if you wanted to lean more tech-heavy (more than VOO already is at least). You could also totally keep the 20% into SCHD and be fine - nothing wrong with it. It's just that dividend stocks are purposely built to be less risky/lower gains, which makes them better for folks nearing retirement. At 31, you absolutely have the time to be aggressive.

GomaN1717

Depending on your age, 20% into SCHD is a bit overly-conservative, but as the other comment says - anyone having major qualms over this balance is splitting hairs. You're good.

D3N1Z3Nx

150k in DGRO, 150k in SCHD, 50k in JAAA, 50k in DIVO

Financial-Seesaw-817

Next leg of tech boom in ai coming. Reference: SCHD. Yw...

DifferentSwing3149

First answer the following questions to yourself at least: 1. Do I need any of this 400k for a near term large purchase such as a house, car, major renovations, college expenses, etc. 2. How much $ do I need in cash like funds in case of emergency? Usually no more than 6 months of your monthly expenses. 3. Retirement plans, age/years to go. 4. What is set aside for retirement already? 5. Is my job stable? There are quite a few more you could ask but at least these will help determine how you invest that 400k. If you basically don't need any of the 400k and retirement is down the road say 10 or more years, invest it into index/growth etf's with some possibly in dividend based etf's such as SCHD, VIG, VYMI to help balance the rush you are willing to take.

Dry_Environment_9631

AEP is a defensive utility stock that often moves inversely to interest rates. Since you’re already heavy in Schwab ETFs like SWPPX and SCHD, keeping a $200k individual position significantly increases your single-stock risk compared to your diversified index holdings.

greenpride32

If you aren't using your own funds today to buy AEP shares, then no I would not keep them. Here let me give you $200k cash - where are you investing it? AEP probably wasn't on the top 100 or 250 or 500 on your list. I personaly would split the money into SWPPX and SCHD. I'm assuming you qualify for step up cost basis due to inheritance, so there is no tax burden to sell the AEP shares.

Realjakeparks

Sometimes the simplest investment provides the most decent returns. You could’ve thrown all that money into SCHD and SPY.

Icy-Mycologist1524

I buy to keep certain percentages of each of my funds where I want them. For example I was my portfolio to be about 3% SCHD but due to it going up and SP500 going down it is closer to 5% so now I only add to VOO and QQQ to get my ratios where I want them.