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SCHD

Schwab U.S. Dividend Equity ETF

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Reddit Posts

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Quick Advice, Straightforward Questions

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Muni ETF Portfolio - Feedback Appreciated

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Retirement investing advise

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Would it be a bad idea investing in the same investments in a Roth IRA and a regular brokerage account?

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What do you think about my portfolio.

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Backdoor vs more investment choices

r/StockMarketSee Post

In Need Of Some Advice

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Deeper Research into ETFs

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Question about cost to yield dividends

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18, Any thoughts on picks?

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Start investing into ETF at 13?

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ETFs in different investing accounts

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VIG and SCHD, which one should be in my retirement and which one should be in my regular brokerage?

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Where to put it

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CD Reaching Maturity in a couple weeks

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Rate my portfolio and share yours!

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Hypothetical Margin dividend investing (currency exchange + loan)

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Anyone in the know about Mission Square retirement(MSQ)?

r/stocksSee Post

(23) Investing in VTI?

r/RobinHoodSee Post

Late to the party and new to dividend investing. Let me know what you think of my mix. I know I have overlap and probably too many, so any suggestions would be greatly appreciated. JEPI, JEPQ, JEPY, QQQY, SPLG, DIVG, SCHD and YYMI.

r/investingSee Post

Trying to understand investing in SCHD

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Investment choices for Backdoor Roth IRA from broker

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What are some funds that are good for the long term?

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SCHD or FSKAX for SEP-IRA?

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Roth IRA investment, 45 years old, VOO AVUV SCHD .. Suggest me please

r/stocksSee Post

Please, your perspective on our shared investment plan?

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Roth IRA Investment Mix Question

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30 year old. What's got the greatest possible potential for returns? TQQQ?

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TQQQ + bonds? 65/35? 30 year old

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Am I doing this right or…?

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What do you do with your excess money?

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Now that 2023 is coming to an end. Let’s hear your biggest loss story…

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Starting to invest in my Roth IRA

r/investingSee Post

401K & IRA lump sum rebalance

r/stocksSee Post

33 y/o - Advice on IRAs

r/stocksSee Post

Anyone love or hate SCHD?

r/RobinHoodSee Post

Dump in large amount or slowly add into holdings?

r/investingSee Post

When opening a Roth is there any difference or benefit to opening one with a more traditional more established company (Fidelity, Jp Morgan, etc) compared to one like Robinhood?

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Investing brokerage accounts for my kids and nieces - best course of action?

r/investingSee Post

Good retirement strategy?

r/wallstreetbetsSee Post

Will shit hit the fan in 2024?

r/investingSee Post

What fund would you add to my portfolio to start easing out of bonds?

r/investingSee Post

What are your thoughts on this Roth IRA portfolio breakdown?

r/stocksSee Post

Portfolio advice

r/investingSee Post

100% VOO vs 33.3% VOO, 33.3% VUG, and 33.3% SCHD?

r/investingSee Post

Compare these two breakdowns for long term Roth IRA

r/stocksSee Post

Should I buy Take Two Interactive stock low (company that makes GTA VI) and sell upon its release?

r/investingSee Post

Good picks for long term growth?

r/investingSee Post

First time maxing out Roth contribution. Give me a super basic, set it and forget it, distribution

r/investingSee Post

Opinions for my simple portfolio.

r/StockMarketSee Post

Hallo new to investing here

r/investingSee Post

Alternatives of these ETFs and CEFs - UK

r/stocksSee Post

Why not sell VOO/SCHD type of holdings when they’re up?

r/investingSee Post

Best way to live off dividends

r/investingSee Post

Growth vs Dividends for 27 yo

r/stocksSee Post

If the price of underlying assets rise, does the price of an ETF like VTI also rises?

r/investingSee Post

Looking for advice on Roth IRA

r/investingSee Post

What foreign stock should I invest in my IRA?

r/investingSee Post

Thoughts on investment portfolio that I'm considering?

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Interested in dividends. Looking for advice.

r/investingSee Post

50/50 SCHG and SCHD a good plan for 30/yo DINK (kids soon)

r/investingSee Post

Should I invest in SCHD or VTI in Roth IRA

r/stocksSee Post

Instead of purchasing a home - investing in a high dividend yield stock?

r/StockMarketSee Post

Got Stuck Holding 220 TSLA shares at $296

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Retirement Portfolio Help

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How does this portfolio look to you?

r/stocksSee Post

What do you think about my portfolio?

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45 y/o way behind/ mistakes made/ ex screwed me/ catching up/ should i give up

r/investingSee Post

Are you planning a strategy change for nearing retirement?

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Sell AAPL, AMZN, and SCHD? Buy QQQM?

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Roth IRA Strategy for a 15-20 year span

r/stocksSee Post

A bit confused, Any help is appreciated :)

r/investingSee Post

Sell or change strategies

r/stocksSee Post

Down 11% on taxable account. Planning on buying a house in the next 2.5-3 years. Should I sell or change strategies?

r/investingSee Post

What should my next step be ?

r/investingSee Post

33% SCHD, 33% FSKAX ( Fidelity US Market Index ) 33% FSPSX ( Fidelity International Market Index ) at 21 years old for standard brokerage account?

r/investingSee Post

How can I tune my portfolio in the future or now to help keep up good growth?

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Investing for retired parent

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Why not S&P all the way? Why split between total market and the S&P?

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IShares Lifepath Target Date Funds

r/StockMarketSee Post

Could use a little advice on current portfolio.

r/wallstreetbetsSee Post

What would Pelosi do?

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Portfolio Review and Strategy in Times of Uncertainty - Seeking Advice

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Roth IRA ETFs - what should I add?

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Good non tech ETF for long term

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Inherited Estate advice por favor

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Just transferred my workplace 401k to a brokerage 401k and trying to make the most of it

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Long term + dividends ticker?

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What can I do to reach my goal faster

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Tax implications of selling one etf for a dividend etf?

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Where to adjust my Roth IRA?

r/StockMarketSee Post

2 year portfolio in my mid 20s any advice is appreciated.

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Good long term index distribution?

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23 year old looking for advice on where to place short term savings

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I need a recommendation for a fund for the long term

r/optionsSee Post

Please help

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Rant: Fidelity Managed Portfolio

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Vanguard roth won't let me set up auto investment to SCHD

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Need advice on 7 year plan

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Starting out a ROTH IRA/ Picking ETFs

Mentions

If you want a higher dividend, I really like SCHD. Although I would not consider myself a person of great knowledge.

Mentions:#SCHD

IDK why people put alot of money into risky stocks for long term. I get you that Data Center stocks are hot but why port 80% portfolio into it? This is why asset Management course is needed for all investors or should have a asset manager help you with risk management. Always have 15% in VOO/SPY 15% in QQQ/VOOG 10% SCHD 10% Gold 10% Bonds 25% Individual Stocks like MAG 7 or Monopolies 15% (10% into future bets and less than 5% yoloing on Calls) This way you dont take heat during down turns and will recover steadily once market goes up. Sell gold and bonds when market is down and load up stocks.

I feel like a genius for buying SCHD over the past several months since I was worried about the tech concentration of the SNP500, but yea, it's not like there's any specific move that seems obvious.

Mentions:#SCHD

>Pairing with schd or something else good or stick to vt?? There is no reason to pair any ETF with VT. VT you own the whole global market (well technically a representation of it). You can't add any equity fund to VT and become more diversified. As for SCHD specifically, dividends are not free money. No need to add SCHD to any portfolio.

Mentions:#VT#SCHD

No I disagree. As a Canadian I have a USD and CAD portfolio. My leveraged TSX portfolio hasn’t moved much the last few days, or it’s gone up. In my USD ports? My SCHD hasn’t moved but I realize it’s tracking the DJ Dividend100. I got a substantial position in NVDA and QQQ though, saw those crash. But overall I’m fine. All the loss porn on wsb and etc look like people buying leveraged ETFs, HUT, MSTR, BTC, etc. if so yes you got ran over by a truck. I’m gonna buy some SAP today though

Nibbling at Software ETFs; more SCHD; not too aggressive. MsFT, AMZN, ORCL. Holding my ETH but may tax loss harvest it.

The funds are fairly new so can only go back to 2011. But most common broad indexes can get you 6+% yoy on average since 2011:https://totalrealreturns.com/s/QQQ,SCHD,VT,VOO,VXUS

RSP.... SCHD... QQM... All good, schd finally jumped, rsp holding steady, qqqm down a bit

Mentions:#RSP#SCHD

Yep. SCHD is popping after just dancing sideways for about 1.5 years. Large cap value seems like a good play to get some gains I think 20% to get back to 2021 highs. Which it will do soon.

Mentions:#SCHD

That’s why you diversify. I have shares of ET and shares in T and shares is SCHD. They make up about 45% of my portfolio. Both have increased 10-12% over the past month and they pay nice quarterly dividends which means they pay me thousands over the course of the year. The market isn’t just tech and gold.

Mentions:#ET#SCHD

SCHD, Medline, and Netflix are my only green everything is red.

Mentions:#SCHD

A guy over at /r/bogleheads pointed me to FNDB and somehow survived, because those fuckers are dangerously dogmatic. I think that one is great. Less allocation to top stocks, better sector allocation, but still has the sensible tech companies but no Tesla or Palantir or other crazies. Plus higher dividend than SPY. Good history too, and recent performance is great. If it were me, I would use that instead of an S&P500 stock, and add in a good dividend ETF. SCHD is doing well again after they did some changes and as more people rotate out of the crazy and look for value, but there are many good dividend ETFs. International ETFs are important too. They lean more value and have higher dividends, and are out performing the 500 in total return lately. Something like SCHF is great.

We shall see if that plays out again. SCHD looking juicy for calls all day until then.

Mentions:#SCHD

Everything is not selling off. SCHD is up this week. Rotation

Mentions:#SCHD

Soon? Any growth stock, NOT meme stock, GROWTH stock, is legit fucked. Minerals, energy/nuclear, AI/tech, even freaking Amazon and Microsoft. 20-50% drops in anywhere from 5 days to a couple of months…… I guess people who have Coca Cola and SCHD will feel okay. Otherwise? Bad

Mentions:#SCHD

Meanwhile.. SCHD ytd = +13% 😂

Mentions:#SCHD

My SCHD is at ath still

Mentions:#SCHD

SCHD is up 6% over the last week

Mentions:#SCHD

SCHD and VGSH this year

Mentions:#SCHD#VGSH

1.6% Heavy into SCHD & VXUS

Mentions:#SCHD#VXUS

And you regards were laughing at the SCHD dividend crowd.

Mentions:#SCHD

And you regards were louging at the SCHD dividend crowd.

Mentions:#SCHD

Im just laughing, my money has been on SCHD all these time and Im actually up

Mentions:#SCHD

My SCHD still looks good, up 11%. Where are the SCHD bashers now?

Mentions:#SCHD

This is a perfect example of setting buying/selling points on a stock, fund or asset as to when you think it's fairly valued. SCHD and EPD are not the best examples per se of assets to track and buy low/sell high, they're mainly driven by dividends. Never buy or sell based on feelings, only buy and sell based on facts. Sometimes you get a "feeling" about something and that's fine, but follow the facts always. Never buy based on past performance, reversion to the mean is a real phenomenon.

Mentions:#SCHD#EPD

Why is the dividends sub flooded with "covered call ETFs or eff off" after years of "SCHD and chill"? I dunno, but clearly don't listen to people on Reddit?

Mentions:#SCHD

My strategy is to STAY patient and pile up dry powder in SGOV and SCHD. Tax loss harvest where I can. Then when after a decent amount of blood letting. Try to figure out where to spread the powder. Patience

Mentions:#SGOV#SCHD

The selling has been very broad so Ive been sitting on my hands other than buying SCHD. Boring? Yes. Will I be broke tomorrow because of it? No.

Mentions:#SCHD

Good morning my fellow SCHD holders. Another day of green while the rest of these bums panic

Mentions:#SCHD

*laughs in SCHD*

Mentions:#SCHD

SCHD is our only hope

Mentions:#SCHD

Honestly, never. Not saying that I haven't gone through the same scenarios (rally after sale, stagnant after buy, etc.), but if I ever did get emotional about it, that was a long time ago. If you're feeling frustrated, that just means you aren't setting the right time horizons. Upset after a rally after you sold? Think about that means. It means that you when you sold you were only caring about price movements within days to weeks afterwards. Definitely not years. Because there's no saying that the rally won't be followed by a crash. Are you going to remember to pat yourself on the back if that happens? Next, if you're feeling like you missed out, then what about your thesis in SCHD changed? You sold for a reason right? Not just because down = bad, right? Do you have a new thesis about SCHD now? Up = good, or, something with actual substance? If you did, you wouldn't be at all phased by "bad luck" during "rebalancing". Plus, you best get that out of your head because these movements have nothing to do with you. If you think otherwise, then we all might as well go back to thinking the sun revolves around the earth.

Mentions:#SCHD

SCHD and BRK B are saving my ass ... well also the mafia WM xD

Mentions:#SCHD

You know 2026 is gonna be a boomer ass market when SCHD is already up 12% YTD

Mentions:#SCHD

The two I mentioned was to rotate more into growth SCHD to VTI and EPD(mainly to dump a MLP I didn’t need the income from) into VT. My portfolio is all boring ETF’s, VTI/VT/VXUS/SCHD, 6% BND, 6% IAU and maybe 1 or 2% stocks. My trading days are over.

Bought SCHD a month ago to diversify and it’s up 10%

Mentions:#SCHD

Honestly you could put that into SCHD and collect fat dividends

Mentions:#SCHD

SCHD still underperformed in 1 year and 5 year and 10 year chart even though it's up 11%😂😂😂

Mentions:#SCHD

Your daily reminder that SCHD is now 11,83% YTD, SPY 0,44% and QQQ -1,20% BUY BOOMER STOCKS

Mentions:#SCHD#SPY#QQQ

the only ones safe in this market are boomers with SCHD

Mentions:#SCHD

SCHD up 13% YTD all you need to know 

Mentions:#SCHD

SCHD up 12% 😂 YTD  Boomer stocks 

Mentions:#SCHD

High dividend stocks are rallying. SCHD is up 1.5% today.

Mentions:#SCHD

SCHD +11.5% YTD and SPY is now red 😂

Mentions:#SCHD#SPY

SCHD is way up, its full of high dividend defensive income stocks.

Mentions:#SCHD

Yeah, I hope this is finally the bubble popping. Losses beget more losses, so the more consecutive days it's down the more likely it will continue to fall. Meanwhile I dumped a ton into SCHD, consumer staples, healthcare, and financial stocks last year into January and they are mostly staying afloat or going up.

Mentions:#SCHD

SCHD because I'm a pu88y

Mentions:#SCHD

Revenge of SCHD market

Mentions:#SCHD

BRK B and SCHD saving my ass.... I need more blood but not in UNH or NVO pls!!

Mentions:#SCHD#UNH#NVO

fun fact, consumer defensive stocks have never had a % day high since trump took office, this is a clear sign of trend reversal. buy GIS, CPB, XLP, SCHD now before its too late, the charts are going inverse, tech is going to start crumbling so valuation can be cheap again to be bought, but that will take years, in the meantime GIS will go up from $40 to $70, CPB from $25 to $50, look at the charts, they dont lie. ur just at the start of a consumer defensive and dividend aristocrat bullrun

SCHD outperforming QQQ 🤣

Mentions:#SCHD#QQQ

False dichotomy of SCHD vs whatever junk you’re investing in, there’s a massive middle ground. All of the companies you mentioned are/were hilariously overvalued for near term earnings profile and will obviously always get crushed when the market sentiment tide turns

Mentions:#SCHD

Companies like ASTS and LUNR have contracts worth millions and billions with the government. Robinhood has its quirks and bad rep from shutting off the buy button but it’s lost almost 40% in 3 months for a pretty established company. These are not “shitcos.” Enjoy your SCHD forever….

If SCHD keeps pumping like this I’ll be retired by 40

Mentions:#SCHD

Why the fuck is SCHD going parabolic LMFAO

Mentions:#SCHD

SCHD keeping me sane right now.

Mentions:#SCHD

SCHD and WMT are killing my tech stocks this week for gains.

Mentions:#SCHD#WMT

I always give my friend shit for putting 100% of his money into SCHD 😅

Mentions:#SCHD

I put 1/3 of my retirement in SCHD im fine dawg

Mentions:#SCHD

Definitely put what you can into the Roth.  You have time which is the most important asset.  Can go 100% equity I like professor G. Do 4-5 fund portfolio 80-90%. Mix of growth SCHG VUG some vgt is fine as long as tech stays the growth play., Blend VOO or fidelity 500 either one, 3rd start a value fund SCHD or FDVV or vanguard div equity.  More in growth and blend as your younger.  Go to value as you get to 40’s- 50’s. Rest I would say international VXUS fine. Vanguard did well for me but understand they won’t let you auto invest in other funds.  That is the other move auto invest DCA each month.  Don’t change anything unless rebalancing 6-12 months.  End of year is fine.  Stocks run up end of year as they manipulate their earnings and everyone wants a good Xmas especially the bonus bankers. I would not do a target date fund again too conservative until you hit mid 40’s. Inflation is the enemy not stock dips. 3rd bucket you should start is taxable brokerage with intermediate bonds or good fund dodge & cox. And value funds for mid range mid risk for a house ( get an investment property if u can.  We did and our mortgage after getting the rent was only 1,000 a month.  Then you can enjoy life. Don’t get a single family that is a boat anchor around your neck.  Unless you’re in a crazy expensive city then rent and keep saving.  But in next 5-10 you should buy.  Get some equity going.  Just get invest property or the least amount of house/ condo u need.  Not as much as the bank says you can afford ( just more overhead to cover not with it.)

My portfolio is primarily VXUS, SCHD and RKLB. I'm not chasing the AI balloon.

It sounds like your risk tolerance is pretty low because your time horizon is short?   Determine first when you would like to purchase the house and what your growth targets are. Index investing is always the safest option in risk assets, so you could do something like 50% SPY, 30% SCHD (or some dividend/growth blend) and 20% Cash/SGOV etc. Depending on your risk tolerance adjust the ratios of growth / income indexes.  Its really not to complicated.  

Well those regards might want to wake up SCHD is beating a lot of the market. SCHV is up YTD too. I never would have imagined.

Mentions:#SCHD#SCHV

I am currently sitting on my hands and in cash and sold mostly everything last week after making a nice 4.5% in January. I am resisting the urge to buy back in until things settle more this week. The only positions I am holding are VDE, SCHD, and SMH as SMH is the hardware for AI and not software. SMH got caught in the AI drop but I think will recover. Microsoft is in the penalty box for awhile. and is in a tough spot. If the IRAN/USA conflict continues to heat up, I am going to push into energy and back into GOLD (SGOL) since it will most likely ride up again. IRAN sent out a drone today to attack the US fleet and this will only provoke the Department of War. I predict if the US is going to attack it will be on the new moon, around Feb 17th also depending on weather.

If the plan is to own a stock that will increase in value while reinvesting the dividends rather than using it as a cash cow during retirement, then it's a terrible hold. It has been annihilated by the market over over any time frame since at least the year 2000. CLX is a wealth-generation prevention machine. Unless it's being held as a payout for cash, owning VTI, VOO, QQQ, even SCHD, all are far superior holdings.

SCHD non stop rocket this year 11% ytd already

Mentions:#SCHD

I went into gold, defense, and SCHD everything not in tech.

Mentions:#SCHD

Your daily reminder that SCHD is 10% YTD, QQQ 0,5% and SPY 1% Boomers on r/dividends are insufferable

Mentions:#SCHD#QQQ#SPY

SCHD pays a bigly dividend it’s free money But saylor is a retard

Mentions:#SCHD

SCHD has 79b AUM, not sure how but putting another 55b into it might skew their numbers somehow

Mentions:#SCHD

If Saylor spent 55 billion dollars buying SCHD, today he will be earning 125 million dollars a month in dividends. Instead he’s down 600 million.

Mentions:#SCHD

SCHD did a 3:1 share split last year. Holders got 3x the shares but got the same dividend payment before and after. 3x the shares with 1/3rd the dividend nominal value equals the same yield. Number of shares doesnt matter. Doesnt really matter *when* an investment pays a dividend. What matters is the total return of the investment, and you withdraw money from the account whenever is necessary consummate to a reasonable withdrawal rate.

Mentions:#SCHD

35%. This year 75-80% SWPPX and the rest in QQQM/SCHD. Maybe SMH again.

Who’s y’all? The whole point of this sub is that it is NOT r bogleheads. We like gambling and taking risks. META will be a 1k stock in the not so distant future (assuming no split). It’s a certainty. Buy that shit up alongside our snooze worthy SPY and SCHD. What else ya got though? It’s very very hard to consistently pick stocks that outpace the S&P long term. Very hard. RDDT has crashed. 30B mkt cap on barely 1B in revenue. Does it shoot back up and get punished after earnings. Fuck if I know. Do you?

Stupid goyim buying pedocoins but SCHD is there for life time dividend full of essential stocks

Mentions:#SCHD

For the first time in years, im glad about 20% of my port is in boring ass SCHD

Mentions:#SCHD

My boomer stocks are ripping. SCHD killing it, bought XOM on its generational breakout, it’s ripping. Bought MO after its earnings drop, ripping. International (VXUS) is doing very well too. I believe people are losing faith in AI and moving to under valued stocks.

SCHD outperforming Bul YTD 🤣

Mentions:#SCHD

i own a lot of SCHD, why yes it should

Mentions:#SCHD

SCHD is a dividend stock it shouldn’t be pumping this much lol

Mentions:#SCHD

everything I own is getting fucked besides my boomer ass retirement portfolio that is 100% SCHD

Mentions:#SCHD

SCHD moving like QQQ since new years lol

Mentions:#SCHD#QQQ

Since you are starting with $1000, I would suggest you start with tickers that are lower priced, like SCHD. VOO will get you 1+ (stock of it).

Mentions:#SCHD#VOO

Ok yall, I’m officially a pussy. Even split portfolio of VXUS, VTI, SCHD, and SGOV. Made 10% ytd and 60% over the last 12 months. Shit feels toppy as fuck. I’m out of options for now.

I invest 81% of income.  It goes into cash at first, then spread out from there among SPY/SCHD, and a collection of individual stocks I watch for dips.  I try and buy 100 at a time but for SPY or stocks with higher share price Ill get 10-20 at a time.

Mentions:#SPY#SCHD

I would Sell ONE put option for RIVN with strike $14 or $13.5, just one contract. Buy little bit of AMZN around 4-8 stocks, couple of shares of SCHD like around 1k, 1-2k into CALM at price $80 if possible rest in VOO

Seriously that worst call of the last 3 months for me: I was going to pull the trigger on a large buy of SCHD back in November, didn't, watched it go up a bit, then said "well it'll be back down again."

Mentions:#SCHD

Things aren't bad until people start spamming tickers in SCHD

Mentions:#SCHD

Meanwhile dividend gang are +8% YTD with SCHD

Mentions:#SCHD

you're right, but SCHD is also good when tech stocks go down. 1 month performance: SCHD: 7.54% VOO: 1.26%

Mentions:#SCHD#VOO

SCHD beating SPY by 8% YTD. I didn't realize dividends were making that much of a comeback.

Mentions:#SCHD#SPY

You don’t want SCHD unless you’re your old

Mentions:#SCHD

Skip SCHD until you’re old

Mentions:#SCHD

Nowhere safe that will match the currency devaluation unfortunately. You could look at SCHD or other defensive funds and go in on a divvy dip. SoFi is paying close to 5 on HYSA. Bonds are garbage right now but they have security if you’re looking for safety

Mentions:#SCHD#HYSA

Hi im 23 and want to start investing. I have $10,000 in saving and wanna start by investing $1,000 to “dip my toes in” this past week i’ve been researching about how to invest and the stock market. I’ve decided that I am ONLY investing in ETF’s and not individual stocks since i’m still new and inexperienced. Im looking for long term growth. Should I use fidelity or robin hood? I made a list of ETF’s I’m interested and I need help deciding which to start with and how much to divide my $1,000 between them. The ETF’s are VOO VTI VT VXUS QQQM SCHD VGT So far i have 2 portfolio plans. Plan 1 VOO QQQM SCHD Plan 2 VTI VXUS VGT

Hi im 23 and want to start investing. I have $10,000 in saving and wanna start by investing $1,000 to “dip my toes in” this past week i’ve been researching about how to invest and the stock market. I’ve decided that I am ONLY investing in ETF’s and not individual stocks since i’m still new and inexperienced. Im looking for long term growth. Should I use fidelity or robin hood? I made a list of ETF’s I’m interested and I need help deciding which to start with and how much to divide my $1,000 between them. The ETF’s are VOO VTI VT VXUS QQQM SCHD VGT So far i have 2 portfolio plans. Plan 1 VOO QQQM SCHD Plan 2 VTI VXUS VGT

Most of my $ is in a 401K with limited options (unfortunately). But I'm about 50/50 international / US. My international is DODFX (which more than doubled VOO the last 12 months). My US is mostly defensive (SCHD - I know you all hate it, but I like it, so don't bother telling me how dumb it is). Less the 10% VOO/QQQ exposure. I have rolled the dice, now let's see what happens... Anybody who tells you they have any idea is an idiot IMO.