SCHD

OhNoHippo

Retarded stocks aside, can’t have my whole portfolio in shot like SCHD and popping boners over 4% returns. I’ll take NBIS-style melt downs but then 30% runner days as part of my Faustian bargain…

EmbarrassedPart1256

Not a penny stock but $WU is dipping hard. It yields > 11%, is included in the esteemed $SCHD, & earnings are out in a half hour. I bought a bit in the morning but I'm glad I opened up my computer again because these last little dips have been great loading times. [Fintel shows institutional ownership as being >100%, closer to 130%](https://fintel.io/so/us/wu), & [days to cover as above 9](https://fintel.io/ss/us/wu). Be greedy when others are fearful 🤙 Let's see how far down it'll get sold. If earnings are good I'm going in deeper; if they're bad, I'm holding this cash cow... 🐄🐮🤠 

Inevitable_Zebra_0

Search Dollar cost averaging. This was invented specifically to avoid risks associate with choosing the right moment to enter. Instead of putting all in at once, you spread out across a period and invest a portion each time. ETFs like VOO are a great idea. I'd also add here QQQ (high tech growth, higher risk, but you're young so you have time) and SCHD (conservative, best dividend stocks but slow growth). Splitting between these is a common strategy. \> I'm seeing a lot of Reddit threads, news articles, YouTube videos This has always been the case. At any point in time since the advent of social media, at any given day, there're doomer prophets screaming about the incoming apocalypse. This was the case in 2005, 2010, 2015, 2020, you name it. The point is, it's all noise. Trying to make investment decisions based on reddit posts and youtube sensationalists isn't going to lead you anywhere, that's how you will lose money. Or worse, one of the days some PoS influencer will convince you that the only way to win the market is to take leverage and play risky bets - options, shorting, etc. If you like money, your job is to filter out all this noise.

Cartoonicorn

A more defensive etf would be SCHD, its dividends help offset its lesser growth, so when ai struggled it had gone up. (Note, i have 40% voo, 20% SCHD) 

LectureForsaken6782

It doesnt hurt to diversify...id suggest putting some if that money in a broad based index fund, or uf you want cadh flow something like SCHD

Accomplished_Way8964

Out of all the big tech companies out there, AAPL has become the most stable stock. It's not going to moon, but at the same time, look at the last few months compared to others. That said, if its the only stock you own, I would diversify. But, this also depends on the type of account you're holding them in. Selling half to get into something like SCHD or SGOV may not make sense if there's s huge tax hit associated with the sale.

DuePomegranate

I upvoted you, but still, the "dividend thing" isn't pointless. People don't articulate it, but what they really mean is that they have more faith in the consumer goods, healthcare, and generally defensive stocks in the top holdings of SCHD or value ETFs, than they do in the top holdings of S&P500 (Mag7 and now AVGO and Micron). They don't want to be caught in a tech bubble bursting right when sequence of returns would undo them. Total return isn't the only thing that matters. Volatility also matters. The dividends themselves are a pleasing side effect that's "correlation but not causation" with defensive stocks.

New_Association9786

AMD, SCHD, VOO, TSM. That order of priority

floatingostrichs

It would be pretty dumb of you to shrug off VTI/VOO and then question if you should invest in SCHD, dividend funds, or individual stocks. Pretty damn dumb.

Jericho3434

lol I own both along with SCHD (which is killing it btw)

CD274

Why tf did SCHD dump after the fed today! 😂

BagHoldersOfAmerica

Phillip Morris and SCHD keeping me green on the year despite all my horrible buys like ORCL and memory and the top

FrugalVet

NVDA below 180 META below 500 ORCL below 115 BRK.B (massive $397B in cash!) NOW below 95 AMD below 350 SMCI below 25 (risky but high potential) NFLX below 70 SFM below 75 TGT below 120 AMZN below 215 V on any decent dip SCHD on any dip

MachineHead1289

SCHD very low cost and low risk

OdiesBalls

1. I set my 401k contributions so I will hit the annual contribution limit ($24,500 in 2026) by the last pay period of the year. 2. I try to hit my Roth IRA annual contribution limit ($7,500 in 2026) by June-July by depositing \~$1k/mo into that. 3. Pay off ALL my bills for the month so there's no CC interest accruing, while keeping enough in my checking acct to cover any automatic deductions like my electric bill or bi-annual car insurance payment. 4. Dump everything else into my taxable brokerage account, which is currently invested in 3 ETFs: VOO for growth (\~75%), SCHD for dividends (\~20%), & VXUS for international exposure (\~5%). I think I currently have too much in SCHD, so going forward I will only contribute to VOO & VXUS until I'm about 75/10/15. I'm in my mid 40's, so in another \~10 years I will switch more to Income rather than Growth ETFs. I'm not too concerned being 100% into ETFs currently, as I have a couple years worth of living expenses in a HYSA that I can depend on if the market tanks or I lose my job for a period of time. Also - I'm no expert. There's probably a better way to invest, but this is just what I've been doing for the past few years.

RubiksSugarCube

SCHD and chill

FaythDarkHeart

damn man , I'm over here playing the rotation into SCHD and sold for profit yesterday, you dummies are losing the house on 10x lev , we aint the same

Redfield11

I don't understand the VXUS because that shit has dumped every single time the US has this year, I feel like if your'e going to diversify might as well be something like SCHD or bonds of some sort.

CD274

Why's SCHD dumping 😂

sharp315

personally I would always recommend dividend ETFs as this reduces volatility and diversification risk. popular names are SCHD, VYM, VYMI, HDV.

artbystorms

Exactly. Steady 'safe' investing got 'boring' so people piled into MU, NVDA, META, Oracle, etc and are suffering for it. 'Be fearful when others are greedy' and all that. Meanwhile my dividend heavy brokerage portfolio is up 0.2% is up today. SCHD is up 0.4% I do own some QQQI but it's a fraction of my total portfolio.

IvoryTowerResident

it is when SCHD is +22%

taplar

You want to hold investments that make distributions often in a tax advantaged account to counter tax drag. This would suggest SCHD should be in your Roth.

SteakEater137

I know this is WSB blasphemy but this volatility is why I like dividend stocks. If they're a healthy company with solid fundamentals and growth, the market being bipolar and irrational on valuation wont actually effect their ability to pay dividends and provide value. Weirdly dividend ETFs like SCHD, SPYD, HDV etc are beating the pants off of the SPY this year too. At this point it's making me nervous how high their gains are.

IvoryTowerResident

Garbage got out perform by the US equivalent SCHD

Spare-Friendship-917

Hey guys I just started investing a couple of months ago. I have a question that I'm hoping you guys could help with. Currently I have MAIN and VOO each getting 200 on pay day every other week in my Roth and SCHD also getting 200 on payday in my normal investment account. If I'm perfectly honest Im still new to this and playing with the ratios but I wanted to ask would it be better to swap VOO and SCHDs locations like VOO to my normal investment account and SCHD to join MAIN in my Roth? Any help would be greatly appreciated thanks!

heine19

SCHD up 24% this year!

kvndoom

SCHD, LOHA, and wheel KO All the way to Valhalla!

EpicDOgeMC

You're assuming that if stocks fall, capital *must* flow into gold. Why? Capital doesn't flee to gold by natural law, it flees to whatever investors believe offers the best risk-adjusted return. In 2008 it was U.S. Treasuries. In other periods it was cash, the dollar, or even certain equities. Gold is just one possible destination. More importantly, you're making a tactical macro call to justify a permanent allocation. If your thesis is "the next 3–5 years will favor gold," that's speculation, not a reason to hold a large long-term position. Over decades, productive assets don't need fear to make money, gold does. At the end of the day gold produces no cash flows. It’s valued entirely on speculation, and the assumption that we continue to view it as valuable. What if gold supply increases due to future space mining? What if we move to crypto? Etc. OPs goal is long term growth, I don’t think a full swap is unwarranted. If he wants more safety, I would recommend going for more quality focused ETFs like SCHD or blue chip stocks, or tilting towards having a decent safety fund.

HHSquad

This is one reason why I'm glad I invested in so much SCHD.....it held up my port today.

spilledonwhite

Yeah I considered doing something degenerate like that. Only reason I track it is that I hold SCHD at 3% port as part of a 9% bond allocation. Yes I consider SCHD a bond fund and I am willing to fight about it.

Significant_Speed854

I am wondering if I missed the boat on SCHD. I've added a few options on it to my watchlist over the past weeks/month and they are up 100-150%+. Typically I feel like that means I missed the play to me. YMMV

spilledonwhite

But for real should I full port WMT/COST/SCHD

CD274

Yeah look at SCHD

BagHoldersOfAmerica

My best ETF is SCHD this year lmfao up 22% unbelievable

RubiksSugarCube

SCHD up 22% YTD VYM up 13% VIG up 10% Yeah money is moving into defensives

bigbija

10% of paycheck to 401k in target date fund. $500 monthly into brokerage account 100% invested into SCHD

USAJourneyman

$2,100 every month Max out IRA (target date fund, I don’t mess with my retirement) The rest goes into S&P500 & SCHD (I increased my SCHD and decreased my S&P) & then individual stocks like $O & $DDD

RubiksSugarCube

SCHD is kneeling in front of SPCX's tombstone while grinning and flashing a peace sign

Brundawg77

You guys all put money in SCHD and AVUV to diversify out of AI, right?

spilledonwhite

Genuinely considering full port SCHD for an easy 2x

spilledonwhite

SCHD is on track to do +50% this year I'm not fucking kidding

mightyblend

What do you prefer for long-term growth: SCHD or SPHD?

Familiar-Mall1696

I'm a newbie investor of less than 1 year. I've bought stocks in exxon mobil just for the dividends. The stock by some sheer luck has grown now lol.. I plan on buying more as I'm bull-ish on exxon mobil. I split it between buying VOO, SCHD, QQQM and VTUX ETFs, around $500 a month as security. Currently up to $6000 invested over the past year with ~20% gains. Wish me luck on my investment journey bros.

kvndoom

I sold right before closing. Couldn't take the bleeding anymore. Can't believe I got assr@ped by metals and semis just 6 months apart. Full port SCHD is tempting just so I can sleep at night.

SomePolack

SCHD has been a shining light in these dark times 

Significant_Speed854

I should've just bought LEAPS on it. My watchlist SCHD options are all green.

Oneok-Field

Sad day when a boomer ETF like $SCHD (dividends grandpa stocks) is outperforming this sub YTD

Acceptable-Jacket567

the fact people are calling SPCX trash and not saying anything about SCHD just shows their level of market literacy. gg

thedudman69

If you don’t invest too much or are not savvy, I’d consolidate your positions into just VOO until you learn more. VOO and SPY are redundant. VOO is the better of the two simply because the expense ratio is 3x more expensive on SPY. I’d literally sell the rest. What is .065593 shares of LLY going to do for you long term? The key when you’re starting out is to invest as often as possible, on a regular basis no matter if the market is in an uptrend or a downtrend. Consistently buying ETF’s of market tracking funds is a proven wealth-building strategy. You never have to worry about what your exit strategy is like you do when you own individual companies. Plus it reduces the volatility of your account. Just stick to ETF’s/index funds. SCHD has underperformed the SP500 by a large margin over the past 5, 10 or however long you want to back test it. Even with dividends reinvested. Once you’ve built out a solid core fund, then you can maybe think about individual stocks. But I wouldn’t delve into individual stocks starting out personally. Unless you full port into one stock that you have severe conviction on. I have a friend who full ported NVDA, then took his gains over to Micron and he grew his account from like 5k to almost 100k in like 3-4 years time. But those cases are anomalies. TLDR; if I were you, I’d sell everything except VOO and put the proceeds into VOO.

IvoryHorizons

Drop spcx its trash Honestly if you want to just do it without thinking just go VOO, SCHD is amazing but it’s really only for nearly retired/retired folks and is a safe dividend focused fund

Throwaway198634

That makes sense, I guess dividends weren’t my selling point on what I’d like to invest in but more of what I can invest in so my “sitting” money isn’t depreciating in time. How you explained the SCHD is inline of what I’m looking for, a general way of tracking the stable big company’s over time and I guess dividends would be a plus, but I never put 2 and 2 together to realize the tax implications. Thank you!

RagnarokWolves

You can do SCHD which tracks the Dow Jones U.S. Dividend 100™ Index and invests in the biggest and most stable US companies that pay dividends. However, dividends are not a catch-less hack for free money. If the money is in a taxable brokerage, you are paying taxes on the dividends you receive that year even if it's automatically reinvested back into the stock. If you make more money now compared to what you plan to earn in your retirement years, then you are paying taxes on these dividends at your current high rate. A dividend is a company saying "we don't really have a better use for this money. Here, have some of it." What does that say about the company and its growth efforts?

InvestigatorPlus3229

new all time high for dividend boys SCHD

Hamar57

I don't look at the news, I put $50 a day into SPY and $10 a day into SCHD and never change it

mighty_sys_admin

screw it, SCHD calls

Level_Counter3062

Investing in SCHD at $28 was ironically an amazing play i thought it would be dead money

LemurLord

I've been investing long enough to know SCHD is never the answer, might as well throw it at VOO

NerdSlamPo

Investing in SCHD is the only reasonable play with so much volatility. So instead I’ll be swinging NBIS all week with margin

Jericho3434

SCHD is about 20% of my port.

SomePolack

Been about 50% cash at least since March and wish I went even more  Took major losses on my shares, only defense and SCHD doing well

Competitive_Low_2054

Perhaps.  I'm not antigrowth by any means and have a decent amount of my personal wealth in them. SCHD, which this thread is about, also offers some growth and for me is the perfect long term hold. 

Competitive_Low_2054

SCHD is very tax efficient.  I thought in a similar fashion many years ago when I first started investing.  The tax man will always get his, don't worry. 

slumper

Your point is still valid though. SCHD can be used to de emphasize the heavy tech/AI focus that many people are skeptical of. Whether that pans out or not remains to be seen.

Jonas42

You're right; I was looking at a chart that suggested such, but on closer inspection it was erroneously comparing SCHD's total return to the S&P's price return.

snkscore

SCHD has underperformed the SP500 though.

Jonas42

I don't own SCHD, but it's been a very successful fund, slightly beating the S&P500 in total returns since its creation in 2011. It caries the primary benefits of simple own-the-market index funds (diversification and low cost) while adding a few twists that many find attractive: * it screens out firms that don't meet various quality metrics (Free Cash Flow to Total Debt, ROE) * it inherently holds only firms that are well aligned with common shareholders * it caps individual firms at 4% of the index, and sectors at 25%, so by some measures is more diversified than the S&P500 despite having 1/5 the holdings. Like you said, you can get quality and value slants in other ways, but that's easier done today than it was 15 years ago, and SCHD has had a lot of time to build up a reputation. And the focus on dividends does ensure shareholder alignment, which is not necessarily captured in value-focused funds.

DoinIt4DaShorteez

Last 10 years SPMO total return is 540% and SCHD is 225% You'll have plenty of extra money to pay the taxes.

muskratmuskrat9

I'm legit confused cause I have an account that I haven't touched in a few years with VOO SCHD and VYM and VOO os the winner at 147%, VYM is 2nd at 112%, and SCHD at 48% returns. In all my accounts where I have SCHD, it's the lagger for my funds.

snkscore

I keep struggling to understand the dividend/SCHD appeal some have, other than to assume the investors are nieve about dividends or they recognize the concent of dividends plays an importnat psycological role for them to avoid panic selling or feeling like they're "losing" when the market goes down. Is there any legitimate reason to buy SCHD over a comperable ETF and just selling shares when needed? I undersatnd fully that SCHD tends to have a value and quality slant but you can get those factors without the dividend focus.

One-Nothing-8477

or SCHD and just enjoy the extra juice while the investment grows steadily. if this guy is in his 30s it'll might be enough to retire on alone

Brettanomyces78

It has, thus far. Sure. But that's notably *not* what SCHD is.

DeeDee_Z

Believe it or not, there is a subreddit dedicated to that specific fund -- /r/SCHD. Go forth and be dazzled by its fans!

Remote_Candy_5248

I'm thinking if I have over a million dollars in 15-20 years and I want to make income from SCHD I would need to pay a lot of tax switching over.

BigDipper0720

I would choose a TIRA for SCHD if you have the option, but I wouldn't rule SCHD out of a taxable account. It should be fine there, as it is not that high yield.

NineSidedBox

I’m glad I went with SCHD too, also holding VOO and VXUS. Can’t wait to get fully out of my individual stocks, and just keep it simple with those 3.

stellarlunarr

Very much appreciate every stock I own taking a shit today. Except SCHD. 🫡

Fit-Engineer8778

VOO, SPYM, QQQM, SCHD. Take your pick

SomePolack

My port is held together by RTX and SCHD so yeah not great 

JennaTulwartz

I dumped a bunch of money from a 401k rollover I was doing into SCHD a few months ago when there started to be signs of a rotation into the dividend stocks and I’ve been quite pleased

InvestigatorPlus3229

my boomer etf's hit ATHs, VTV, SCHD, VNQ

spilledonwhite

SCHD 20% YTD QQQ 11.5% YTD Not even factoring distributions. I hate it here.

Stock_Cake_5889

So I've been putting small amounts into fractional shares for a few months, mostly just buying whatever looked good that week, and I finally sat down and looked at what I actually own. It's a mess. (side note: I am using Robinhood) **Current holdings:** |Ticker|Shares|Price|Value|%| |:-|:-|:-|:-|:-| |SMH|0.127803|$578.79|$73.97|31.1%| |QQQ|0.0992|$691.67|$68.61|28.9%| |VTI|0.081257|$365.11|$29.67|12.5%| |SCHD|0.762104|$32.83|$25.02|10.5%| |SPY|0.026723|$738.97|$19.75|8.3%| |VOO|0.021806|$679.23|$14.81|6.2%| |NVDA|0.02824|$207.18|$5.85|2.5%| |**Total**|||**$237.68**|**100%**| I'm fine taking on a moderate amount, I'm not trying to be super conservative at my age. But I also don't want the whole account riding on semiconductors. I'd like most of it to be something boring and steady with a smaller portion that has more upside. What do I keep? What do I drop? What should I buy? Any input is appreciated. I plan on putting in $50 a month, and $1000 next month.

Buck169

Recently I sold all my VFIFX (Target 2050) in my retirement account and bought a split between VOO, SCHD, and VYM. I expect to do WORSE with this plan, but I was pissed at Nasdaq for saying "Let me suck that for you, Elon" and was inclined to reward the S&P 500 for not doing the same, and to get into the dividend funds for their "good" fundamentals. I was not sufficiently committed to the bit to do the same with Target funds in my taxable account, because I have enough gains that paying tax on that immediately is irritating.

D_Pablo67

I do not like many of the stocks in the SCHD portfolio. I prefer to directly buy the best of the best who are growing earnings and dividends.

vwboyaf1

That's why I like ETFs like ICVT and SCHD, they bring a bit more diverse exposure.

General_Leader425

I think we rebound. SPY, SCHD, and my Rivian puts are nice. My BBY leaps went up 32% so I'm only down half a percent total. My dividends pay out too. I use Agentic Robinhood so I doubt I can lose. My AMC calls up too. IBIT Calls are down but I expected that and no doubt the decline in my Coinbase position and my small $2000 stake in both Bitcoin and Ethereum (which I have yet to have checked) before I Doordash some Starbucks to take a look at Dutchbros as a Pandemic reopening play.

Cav829

I'd start by asking him his risk tolerance. I'm guessing he is over 60, so I don't know if he's looking to get super risky. Most people here are younger and might hate the answer, but simply putting it in USFR or SGOV is always an option if he's just looking to make more than a bank account. SCHD and other dividend ETFs are also a wonderful option to look at.

Buck169

What about SCHD or VYM? Not exactly "buy and hold," but VYM at least had a pretty low turnover in the last year, and what churn SCHD has is based on some pretty strong fundamental factors.

InvestingNerd2020

SCHD. Interest rates are too high right now for real estate.

SerDeath

Their div pays out more now than when at ATH, so if it's a retirement stock, then sure... but like, what's the benefit over SCHD at that point?

Alternative-Mode-365

you're right - worse tax treatment, it's ordinary income not qualified. wouldn't see it as a dividend stock replacement anyway, more of a small alt bucket than something you'd swap your SCHD for

ng_logic

You're in a great spot, and your kids are lucky you're thinking this far ahead. The fact that you're worried about the savings rate is actually a good sign - it means you're being realistic, not just optimistic. And yeah, the feedback you're getting is right. XEQT already does the job. Adding VOO and SCHD on top just means you're making an unconscious bet that US large caps will outperform the rest of the world, which might be right or might be wrong, but it's not part of a deliberate strategy. Simplicity isn't just easier - it's usually better. Fewer moving parts means fewer decisions to second-guess when markets get volatile. At your income trajectory with a DB pension backing everything up, XEQT and patience will get you where you want to go. The hardest part won't be picking the right ETF. It'll be doing nothing during the next crash while everyone around you panics.

ng_logic

Honestly the plan is solid but you're overcomplicating it. XEQT already holds everything in VOO and SCHD, so adding them separately just means you're betting against your own base allocation without a clear reason. The 5% fun money for SpaceX and Anduril is fine, just call it what it is - gambling money, not strategy. The real risk I see isn't the portfolio, it's whether you can actually stick to $4K/month once the mortgage, property tax, and two kids' activities kick in. Life gets expensive fast. Run the numbers with the house costs baked in and see if that savings rate still holds. Other than that, you're in great shape. DB pension plus this plan means you're basically playing on easy mode. Don't overthink it.

Plane-Term2972

The portfolio looks reasonable, but I'd ask whether VOO and SCHD are necessary alongside XEQT. Simplicity is often underrated. The real challenge isn't picking the perfect allocation—it's staying invested through market crashes

Shobed

SCHD, live off dividends.

Sufficient_Winner686

If 60k is your annual spend, SCHD alone would pay you 72k per year and your taxes would be covered or you’re right on the edge. This means you can mix in tax advantages high yield ETFs like SPYI and QQQI and make over six figures. Your hypothetical is my end game.

Jericho3434

Yeah, I take a few K’s from every winning trade and buy some SCHD. It’s to balance out all the tech I have. It’s hard shorting memory now with its crazy price action. If your timing is off it could blow up in your face. Long oil might work, but again, it’s so manipulated by governments. I’ll probably just hold off until something easy comes along lol

WRHull

SCHD’s yield is too low. Go for AGNC. $.12/share every month.

eeoogler

SCHD