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.

BooDawg908

That makes sense. I guess my question would be how long do you plan on holding them? If they’re dividend stocks than I would imagine your planning on holding them for awhile? But then if the war stops does that change your plan at all? Also…I used to own SCHD but I figured I was overlapping with VOO. Not sure if that was smart or not. Thanks for taking the time best of luck to you bro

fledgling66

ADP got added to SCHD

SneakerBoiiiiii

im 14, i live in usa, I dont make an income, I want to get financial freedom as an adult and never make money a problem for any thing, and hopefully become a millionaire. Time horizon is a while ill be investing my whole life but id like to be able to withdrawl some money in my 20s but mostly long range, risk tolerance is medium id like to have the boring cash generators warren buffet sytle but id like some small semi risky plays that are calculated correctly, I’ve been interested in stocks for a few months now, and I already know the basics ( credit, interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one

SneakerBoiiiiii

im 14 and in the usa, time horizon is a while like a while I’ve been interested in stocks for a few months now, and I already know the basics (compound interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have: 1 share VOO 0.12 Alphabet 1 share SCHD .27 FSELX 0.02 QQQ So yes, I have fractional shares💀 But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money. My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis. I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks. My top choices right now are Berkshire hathaway b Chevron possibly, exxon mobil is too corrupt Coca cola Nvidia VOO but i want your take on it SPDR SPLG QQQ META but skeptical cause AI UBER People have said oracle but I dont know about this ai bubble stuff And my friend suggests COP Maybe a fidelity fund And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one

poorman_stocks

Actually buying, not pretending. Added to SCHD, VTI, and some individual positions in GOOGL and META this past week. My framework: I never try to catch the exact bottom - that is a fool game. Instead I ask: Is the business I am buying fundamentally impaired by what is causing the selloff, or is it caught in macro crossfire? If it is macro crossfire (tariff uncertainty, Fed noise, geopolitical flare-ups) and the underlying business is intact, that is usually a buying opportunity. The businesses I am adding to generate real cash flow, have pricing power, and have survived multiple downturns. The fear right now feels like a mix of legitimate concerns about tariffs and their second-order effects, and pure sentiment contagion. The companies with real moats tend to work through these periods. That said, I am not going all-in at once. Dollar-cost averaging into volatility is how I manage my own uncertainty - because I know I cannot time the market, but I do know that broad market drawdowns have historically been buying opportunities on 3-5 year horizons.

Foreign-Weekend

Crash: Move SCHD --> Growth Bear market: DCA SCHD --> Growth Things start looking better: Oil --> Growth Growth no matter what.

Variation261

I've only been adding some shares of a couple ETFs (SCHD, CIBR, DGRO and DIVO)

JC_Hysteria

The only thing that’s going to slow down the mega cap companies over this time period is regulation… SCHD is a current rotation give recessionary fears, but I tuned it well, too.

jonchillmatic

VXUS is a good index fund that has the rest of the world. 70/30 VOO/VXUS split is one I use. It's growth oriented but balanced a bit vs 100% VOO that some advocate for growth. I have a bit of SCHD mixed in as well. Generally I think you want to set up your mix so that you are prepared for various market conditions but a lot of what you do depends on your age, goals and risk tolerance.

DinnerNo5925

SCHD is a div etf. If you’re young or got 15+ years, just go VTI 80%. You can DCA each month. Keep it in SGOV to get interest before you buy each month. Maybe have a very small hedge in gold 2%, you can use IAU and some in a growth ETF like VB. VXUS is good for international exposure but the war and what is happening in America right now is going to impact everyone.

BaselineYToc

SCHD

AlGAdams

I have a basic algorithm I use on ETF like SCHD and SPY (which are my indexes or choice). At 3% down from ATH I buy small amounts, about 25% of my investing cash flow (1 or 2 SPY a week).  At 5% or more I increase buying to roughly equal cash flow at 3-4 SPY a week.  At 10% or lower I begin eating into my cash position to invest, and will buy up 10-12 SPY a week. I know the time has come to eat into cash when I see articles like "This time experts are warning NOT to buy the dip".

BruceStarcrest

Buying and DCAin a ton of SCHD holding for a year to make 75$ on 50k before it pumped 15% this year…. 

Lingweenie2

-10% over the last 3 months. Started out great. Most of my portfolio is geared towards stuff like SCHD and other dividend growers. But the last month particularly has been brutal (-9% in that time alone.) Just how the market is though. Without pain there is no gain. Been there and done that many times over. It really sucks in the moment but the market needs times to readjust and cut out the froth before it can continue onward.

basementdweller263

Appreciate the detail. A couple thoughts: • SGOV vs VTIP: SGOV is basically rate exposure (cash like), VTIP adds inflation linkage but can still move around because real yields change. For your “must be there” money, SGOV/T bills still makes sense. VTIP feels more like a small sleeve in the 2–5 year bucket rather than a core cash substitute. • AGNC: I’d be careful treating it as “low volatility” capital preservation. It is an mREIT with leverage and rate/spread risk. The dividend looks stable until it is not. If you want income with less blow up risk, I’d personally rather keep the short bucket boring and take risk only in the long bucket. • If your max pain is ~10% over 5 years, a simple framework is: – Bucket 1 (recast certainty): SGOV/T bills/CD ladder – Bucket 2 (flexibility): mix of short duration plus a modest equity sleeve (VXUS or SCHD) sized so a bad equity year doesn’t break the plan If you’re open, what rough % of the total is “must be available for recast” vs “nice to have for opportunities”?

First-Button-2297

Im down 1% combo of SCHD, SPY, NVDA, TSM, EEMA, VEA as holdings. Other portfolio is flat to slightly up...holding Cash and writing weekl y CSP's on low delta options.

trsx5

SCHD gang checkin ! 🙏

No-Dust-1722

You’re absolutely right that I’m looking for capital preservation with some flexibility - I wanted to keep the post more general and fundamental so it wasn’t just people telling me to buy gold and bitcoin (you see how well that worked) Those buckets seem sensible. I’m currently 80% SGOV and 20% other short-term, mostly AGNC because it has a monthly dividend and low volatility. From other comments in this thread it seems VTIP has some advantages over SGOV so I’m considering that in the mix. I do have some tolerance for volatility in the short term bucket but I think less than is required for the S&P in its current state. VXUS and SCHD seem to be more stable/drawing down less than other ETFs but also seem able to capture at least some upside if equities start running away again. I do have a target amount for a recast but that plan is very tentative - it’s honestly just my “no better ideas” plan because reducing bills just makes life easier. The 2-5 year plan is really about financial flexibility, but housing is such a huge part of that that it is difficult to treat it separately. I think I’m more interested in capping overall draw-down - I think we could handle a 10% loss within 5 years without risking other opportunities. I figure that’s like a 70/30 SGOV/VXUS split (or similar) but I haven’t spread-sheeted it yet.

NYGiants181

SCHD? It’ll come for that too

AlGAdams

AMZN, SPY, SCHD, NVO, PFE and KSPI, nothing crazy.  I do option wheels with 30-40k and keep about 25% cash.

Square-of-Opposition

/r/bogelheads if you want to discuss SCHD.

MeeseShoop

SCHD

SalaciousSubaru

Selling all my O and SCHD

dansdansy

SCHD, wouldn't be buying XLE here

Apart_Lab7069

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

No-Dust-1722

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

Aggravating-Let-2968

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

Fresh-Coach5838

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

Little_Try_6502

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

HeavySink3303

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

Minute_Plastic_350

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

Nukemind

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

dogs_gt_cats

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

Good_Ride_2508

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

STierMansierre

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

DifferentSwing3149

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

durian_spoon

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

Jidolman077

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

Little_Try_6502

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

Signal-Shoe-6670

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

QuickInvestIQ

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

zendaddy76

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

thiagopuss

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

FarWay9137

SCHD boomers doing good

iFiredIce

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

kinkycarbon

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

Fhyzikz

SCHD out of those. Reconstitution later this month looks bullish

PeakHelpful89

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

Defiant-Opposite-501

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

LongjumpingNorth8500

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

greenpride32

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

killainvest

Thoughts on SCHD, as stock not option.

Little_Try_6502

Hold SCHD and UMAC

Moccabean70

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

Itchy-Back8245

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

Moccabean70

Been buying SCHD a lot

Boring_Business4843

Invest all into SCHD and forget this ever existed

Affectionate-Day2743

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

visagedemort

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

BraveG365

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

OlleKo777

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

Hotdog_catsup

I’ll suggest two but Nfa KO SCHD

Fhyzikz

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

LevelSevenWizard

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

visagedemort

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

Firm_Instruction_775

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

Sunshibetempo

SCHD

Chanologist

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

Then_Past_4646

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

iamNotLyingMan

Buffet would pick VTI over SCHD

DoinIt4DaShorteez

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

Former_Tomato9667

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

killerdrgn

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

Ocampo-Mark

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

Separate_Anxiety3347

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

DigitalSheikh

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

abstractraj

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

ETFNavigatorPro

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

therealjerseytom

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

Cav829

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

Gingerholic803

Eating shit on everything but SCHD and WPM

anyitamp

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

ChemicalPolicy5037

Time to just keep buying SCHD

Full-Atmosphere-9702

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

livetotranscend

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