SCHD

30vanquish

I like it. In 2022 s&p 500 was down 18% and SCHD was only down 3% it’s a hedge for down years

Luckycolts97

They support fractional for vanguard only etfs. I just dont know if i enable drip for SCHD will i have to wait until im able to buy one full share from the dividend or will it go through as a fractional share because i cant but fractional shares outright

callmeehtimmy

I distributed $1000 per month SPY/VOO 50% and 50% QQQ/QQQM and $900 on 401k on S&P 500 index fund for 22 years. my main focus for the next 10 years is to grow a dividend growth portfolio. 30% SCHD 30% DGRO and 40% dividend growth stocks (V, UNH, and PEP) at the moment. Looking to add more but willing to sit on the sideline for better buying oppertunities.

CompetitiveDrawing89

I would sell and buy SCHD I know boring strategy you can buy option what expire today for fun.

CommunitySeveral627

I am considering to sell a portion of SCHD and put that money in ULTY and put DRIP on it. AFter recovering my invested amount, stop the DRIP and get back to SCHD using ULTY"s distributions. I haven't done full math on it yet but I am leaning towards this idea.

Dragonhawk93

At least SCHD ain't down 40% for the year lol

Itrademylittlespy

Same with SCHD

omgpuppiesarecute

Core account: VXUS, VTI, BNDW Fluff: SCHD, SCHY, O, REET, BRK.B, FXE, FXF

zeradragon

Do you need that $175k to be a certain number in 15 years? Really depends on what kind of returns you're targeting and how comfortable you are with stomaching potential losses. If you're looking for it to roughly double, then you should be able to do it with a HYSA. If you're looking for $500k+, you'll need to take some risk and put it into something like VOO or SCHD. Anything beyond that and there's no relatively "safe" recommendation.

ICE-FlGHT

Anyone know why SCHD has been so bad? Is it too much healthcare?

___Art_Vandelay___

If you don't care about the dividends, why even be in SCHD? That's its primary/lone "selling point".

LeroyJankinnns

I think it is an overhyped fund that gets overhyped by a cult of people that think dividends are something special when that couldn't be further from the truth. Dividends don't really matter to be real. Why? Because dividends aren't even extra money than what you already have im your portfolio. By law, dividends actually drive your share price and overall NAV down by the dividend amount netting you nothing but extra unnecessary taxes if anything. The only benefit they used to have and don't anymore was waaay back in the day when it used to be expensive to trade stocks.  That doesn't exist anymore really. You can say you personally didn't buy it for dividends, but most that talk about it do. Then, you also have the people that think it's a hedge when it's not. It shits the bed when the market does. If you want a hedge just buy bonds or hell even treasuries beat it. It has underperformed the market the whole way while practically having the same general ups and downs. So now, not only do you underperform the market you have shitty taxes to have to worry about on on top of the crappier returns. There are simply much better options. As others mentioned you can diversify away from tech as well with no need for SCHD. If young especially don't bother imo.

Background-Dentist89

NVDA is a great stock. I own a bunch of it. But it is not the dividend stocks we are speaking of. It pays .03%. I understand why they did it, but it was a crazy idea. But the OP is going to have to have a boat load of money to make much in dividends off of NVDA. Yes, the stock price is going to drop by that .03% on the date you pay yourself the dividends. At today’s closing price $170.70 that is a whopping 5 cents the stock price is going to drop. But in the case of SCHD it is 50% of the stated returns is your own money you paid yourself. No, NVDA will make you a lot of money and a wise investment. But the OP wants to live off dividends and is 18.

No-Improvement3164

IWM SCHD -2% YTD. Trash!!

Additional-Pop9444

I’ve seen a lot of people go this route recently — trying to balance out growth exposure in VOO with the stability and yield from something like SCHD. On paper, it makes sense: SCHD has strong fundamentals, solid dividend history, and tends to hold up better during pullbacks. But yeah… this year it’s been rough. VOO (and large-cap growth in general) has crushed it thanks to tech ripping. Meanwhile, value/dividend plays like SCHD have lagged — not because they’re bad, but because the market’s just favoring risk-on growth right now. Personally, I still like SCHD long term. It’s built to be a slow compounder, not a short-term outperformer. I wouldn’t use it to “hedge” VOO per se, but more to diversify over the long haul. If the market does flip into a more defensive environment, SCHD might start catching up. Hang in there — 5% down isn’t the end of the world for a long-term position.

xploeris

TIPS should hold value in case of big inflation, probably a better pick than overbought gold. If you really want metal, silver might be better? Alternately you could hold mining stocks. Defensive stocks like energy, consumer staples, etc. should hold up well as they'll always get business. Last I checked, SCHD holds value pretty well. If little/no inflation, cash.

Over-Computer-6464

The total return of SCHD, including reinvest dividends is slightly less than SPY or other SP500 ETFs. Once you include the tax on dividends if held in a taxable account, SCHD falls further behind SP500 ETFs. Dividends are nit free money.

Foreign-Package-4359

I bought it to try to soften the boom and bust tech in my portfolio. I don't really care about the dividends. As you mention, if you just want yield, Treasuries ETFs have a higher yield than SCHD.

Foreign-Package-4359

Interesting. It has outperformed SCHD over the last few months. Slightly lower dividend, but not a huge difference.

Foreign-Package-4359

Makes sense. Yes, I wrote hedging, but that isn't exactly what I meant. I meant the S&P 500 but without the risk of a few large tech companies holding up the index. SCHD is more of your old school oil and gas, pharma, utilities. Not exciting but, I thought, more stable than the boom and bust of tech. I think energy prices are really the drag on SCHD right now but I'll probably keep holding it. It will likely come back up at some point.

Ecstatic_Wheelbarrow

SCHD doesn't really hedge VOO. If SCHD is up, VOO is generally up. Look at their charts and they are practically parallel, but VOO performs better and still has a 1% dividend to SCHD's 3.8% dividend. IMO, SCHD is great if you have enough money to live off of the dividend, but VOO is better to hold in a growth portfolio. [https://www.google.com/finance/quote/SCHD:NYSEARCA?authuser=0&comparison=NYSEARCA%3AVOO&window=MAX](https://www.google.com/finance/quote/SCHD:NYSEARCA?authuser=0&comparison=NYSEARCA%3AVOO&window=MAX)

Historical_Low4458

I like SCHD. I have it in my overall portfolio and it has performed nicely for it. However, I didn't it as a hedge for anything. That is what I bought RSP for in attempt to counteract the overweight in tech.

nivix_zixer

SCHD on sale...

search8989

Listen, start of with SCHD currently it’s better to do a Short Option put for the 18th, I put in 35$ got a return for 55 right now, y’all have money, be smart with it a poor shmuck like me can’t be getting up on y’all

yaletown28

Solid foundation! Love the VOO/SCHG combo for growth and SCHD for stability. If he's not aggressive, this is a great balance. Maybe just review international exposure and rebalance yearly. You’ve set him up really well! 👏

Cosmos_P_Astronomer

SCHD.

NubyTrader

SCHD

AverageApeAdventures

Don’t invest all of it, try to DCA (dollar cost average) $10k or $20k a month. Broad and low cost ETFs are always a safe bet, so VTI or VOO would be strong options as a core holding. I am 27 and like holding exclusive growth and value funds. I use SCHG for growth and a mix of DGRO, SCHD, SCHY, and VYMI for value and international value. Of course, do your own research. Figure out your own risk tolerance (THIS IS VERY IMPORTANT). Some of my friends lost an arm and leg during April because their nerves wore weak. I help on and have since recovered thanks to my value holdings calming me down. To each their own.

Icy-Sheepherder-2403

VTI the best, SCHD the worst

whatamidoing8000

I definitely want like 70-20-5-5 in my Roth (VOO, VXUS, and Growth like VUG and then something like VYM, SCHD or QQQM) For taxable: 50% VTI and 5% dividend (SCHD) The rest: Tesla, Meta, Google, Uber, TSM, Microsoft and NVIDIA. I know VOO/VTI will be better in my Roth so it’s mostly for once I hit the limit on Roth.

whatamidoing8000

Thank you! I’ve heard a lot about VYM, SCHD and QQQM. I might pick one or maybe all 3. Ill see which has the most growth potential

bleezerfreezer

Agree 100%. For OP - some of the dividend funds I suggest for your Roth: VYM, VIG, SCHD, DGRW, DGRO, VNQ, QQQ. My favorite is SCHD. Great yield + growth balance, strong total returns. Its made me a ton of money.

rackoblack

Is this in taxable or IRA? VT for total world market. SCHD or VYM or similar for some defensive div plays. MLPX has good non-FAANG exposure that's got a good return (high div, best in IRA) O - Realty Income is still a solid five star buy at this level and gives you good diversity from the usual VT/VOO/VTI. Again, has high div returns. Eat the tax in taxable or buy this in IRA.

crazier_ed

Best I can do right now is a slightly out of shape twink and 10 SCHD shares...

InquisitiveBoop

Stop gambling. Put it all into ULTY and rotate weekly payments into safe haven dividend funds like SCHD and 3 others for 1 year. Once that's done, save payments into bonds for 1 year. On year 3, live off the money in bonds, while dripping all ULTY payments back into the fund. Don't look at ulty for the full year. Then for year 4 and beyond, forever rotate 3/4 ULTY payments into save haven div funds, while taking out 1 week of payments a month to live off of. After 5 or so years you should have about 5 million saved up. Possibly 10m, depending on how well ULTY is managed.

EcrofLeinad

Manually buy a set number of whole shares on my pre-planned schedule; re-evaluate every few years how the portfolio balance is doing and then adjust future buys accordingly (for ETFs like SCHB, SCHD, SCHF, SCHH, et cetera). Or just set up auto buy of a mutual fund (like SWPPX).

DegradedCorn75

Put it in SCHD. Reinvest the dividends. Forget about it. In 28 years it will pay you 7-8k per month. That will be nice.

wannabetmore

I moved over like 10 years ago, and somewhat ironically, I DCA into SCHD twice a month.

Far_Lifeguard_5027

QQQM is going to be 100% tech. SCHD is going to have all of what's in QQQM but is more large cap heavy than VOO, so I'm not sure you need both. I'd go with something like 10% QQQM (tech growth), 40% VOO (S&P 500), 30% VXUS (Total international), and 20% of Russel 2000 ETF like IWM, or a small cap ETF like IJR/AVUV/XSMO/VIOO to offset your large caps and get some small cap exposure. I have an indexed annuity, and my CPA set me up in these 4 markets: QQQ/VOO/VXUS/Russel 2000. So it seems appropriate to have exposure to growth, blend, international, and the bottom 2000/small cap stocks.

SegaGuy1983

Advice for investing for three children? After a really stupid custody battle, I'm finally getting child support. I have three children (13, 10, 8) and I'll be able to put away $100 for each of them each month. My idea is to put $50 for each child into a savings account, and the other $50 Into something like Schwab's equity funds (SCHD or SCHG). I've managed to start them off with $75 each in their savings accounts before support kicks in next month or so. I need to add that the 10 year-old is mentally disabled and there is a real possibility he could be living with me or his mom for the rest of his life. Is this a decent plan? Do you have any other suggestions on what would be a better way to invest? Or should I put some of that support money towards hiring an investor to watch out for them?

Bob4Not

I don’t sell, but I do change when and what I buy. I have dramatically slowed my VOO buying and shifted into more defensive investments, including FDVV, SCHD, VYMI

alone-in-the-chat

For the long term is a good call SCHD??

CathyBikesBook

Personally, I prefer brick and mortar banking to online banking. I like being able to go into a branch. Online banking is convenient, but that convenience comes at a cost. As far as the stock for brick and mortar vs Fintech banks, many brick and mortar bank stocks are part of broad ETFs or you can buy the individual stock. Across my portfolios I have some brick and mortar stocks that are part of ETFs ( SCHD and VOO both have financial stocks in them) and I have a position in a dividend paying brick and mortar stock. SOFI just went up to $20 per share so I may have missed the boat on that one, but I'm also looking at $ALLY, $PYPL for the Fintech stocks.

timeforachangee

SCHD seems a crowd favorite on r/dividends I am not a dividend investor so I don’t have an expansive knowledge on them. I stick to VOO and chill for 90% of my portfolio

killadaze

SCHD pays a 4 percent yield, chevron 6.5, McDonald’s, Pepsi, Coke. Once can spread across strong dividend names and net at least 5%. 5% of 4 million is 200k a year. Close to 20k a month.

Cute_Win_4651

O pays a monthly dividend and has increased for like 25 plus years, ARCC is pretty much the top BDC company out there and pays like $0.48 dividend like 8% , and SCHD is like the top dividend growth ETF if your wanting dividends look at these, cuz I did like quick math for SELF and to hold 100 shares is going to cost like $536 with a $0.073 dividend so it pays about $7 a quarter you’ll get maybe 4/5 shares extra per year but $536 into ARCC @ $22.50 is about 23.7 shares with a $0.48 divided that’s $11.37 per quarter and in O for the same price you’ll get 9.4 shares that pay a monthly dividend of $0.269 so about $2.42 x 12=$29.05 but it’s a top REIT you may want to look into them but SELF doesn’t seem bad for like extra cash maybe also look in NAT

Cute_Win_4651

I’d rather go with O or ARCC, or SCHD

Otherwise-Singer-452

ticker O is basically guaranteed dividend income and covers cost of inflation with some growth even, alot of older people with alot of money that want to park it somewhere and let it compound will put a fair chunk of it in that, technically if you want the safest investment theres nothing safer than buying the entire market to so thats why alot of people will be in VOO or SCHD and make millions in decades you can buy all of those on robinhood

Elemental_Breakdown

I don't know how to gamble on futures, and I don't have the money for it, but I made about $300 so far since October buying the dip on VOO, SCHD, and ironically I accidentally bought SCHF once trying to buy SCHD and it's up the most of any stock. 300 smackeroos in the green baby. I shoulda gone into finance, "I coulda been a contender". Envy truly is the thief of joy. Ok, just found out my public servant job $2000/month insurance is going up 38% this fall. Speaking of falls, anyone know where there are any particularly high cliffs in NJ? 🤣

therobshow

Whats your end game? You've won. Switch to SCHD. Live on over 200k a year in dividends and never even draw down. There's no need to play more. 

adamcapital

7 of your 13 positions – including AAPL, AMZN, NVMI, SYM, VOO, SCHD, and VB – have high beta to one another due to overlapping tech exposure or broad market correlation. This increases your portfolio’s concentration risk. You might consider diversifying a bit more into stocks or sectors you believe in to balance that out. Check out Ray Dalio's "Holy Grail." *Not financial advice – just what I’d do if I were in your situation.*

greenpride32

If you look at the chart today for SCHD and many individual dividend paying stocks, it all looks the same, along with VZ and GIS. Even broader VOO appears the same. It's primiarly tech and engergy on my radar that broke that mold today. In a vacuum sure the company loses market cap by exactly the amount they pay in cash dividend on ex-dividend date. But stocks don't trade in a vaccum.

kingshuk3

Your core ETFs VOO SCHD, etc are good and the AMZN /AAPL ratio is reasonable. SRPT and RENT are volatile, so you can gradually reduce your positions. If you are going to use the money in 5-10 years, increase your cash or bond ratio and consider adding a little international ETFs to diversify your risk

Beneficial-Demand-43

anything to look out for these next few days/weeks that can push or pull market, any conferences? Seems crypto is getting pushed and market has been green but also feel as if right now market keeps going up and up that we have to be due for a dip eventually. Want to start diversifying a bit more and expanding beyond SPY, SCHD. I don't do option trading

zooka19

Not a single stock, but FUSD.L dividend growth rate hasn't really improved much over the years (30% of my portfolio), it's had decent growth since (77% on 5Y). Similar screening to SCHD but they've thrown 30-35% tech into it in the last year or so.

Additional-Pop9444

Solid choices. A well-rounded 3-4 ETF combo that many people use includes: VO0 - broad S&P 500 exposure QQQ - for heavier tech/growth exposure SCHD - solid for dividends and stability VGT - if you're looking for a concentrated tech play Some people adjust the weight depending on risk tolerance, but those four give a nice blend of growth, income, and diversification. Weekly investing into a mix like this can really compound over time.

banneddumpling

VOO and SCHD? You absolute pussy!

BlightedErgot32

until jpow cuts rates… just buy SCHD

benhurensohn

> Not a bear. I own positions in VOO and SCHD. Of course

NeverAppropriate

7k in a Roth, the rest 60% in VOO / 20% QQQ / 20% in SCHD. Next year - 7k in Roth, 60% in VOO / 20% QQQ / 20% SCHD The year after that … 7k in Roth, 60% in VOO / 20% QQQ / 20% SCHD The next year? You guessed it.

pancake_gofer

VGT, ASML, MGK, SCHD, PPA. In a separate account I have PLTR.

BrewerCollie

It depends if you think AI, GPUs, and modern tech are an overhyped bubble or will tech continue to outperform? I believe tech will continue to outperform and since I am only 31, I will continue to aggressively invest. As I near retirement, I will shift to options like VT, SCHD, and bonds.

Gullible_Tae26

Thank you I’ve been studying hard, I do pick up S&p and SCHD 50/50 in my Roth but I have been considering adding in a bit to the main portfolio as well

BorisAcornKing

I have recently (a month or so ago) exited a number of positions and bought back in, as I needed to adjust my portfolio for a down payment on a house, and am migrating over to more of a dividend portfolio. AFRM (+50) FEZ (Euro Stoxx 50 ETF) (+4) SCHD (+3) (new within last month) BBD.A (+50) (new within last month) COF (+20) (new within last month) TECK (+13) (new within last month)

AdLive6348

Thanks for the honest reply. I invest in very dull efts through my 401K. Honestly I have kind of gambler tendencies as well, but I like seeing the swings of stuff. I’ll probably continue buying shares of MBX and then maybe some SCHD, but penny stocks to me seem to be interesting because they are in fact volatile. I’m trying to dip my feet in tbh while passively investing in other areas. I’d rather not throw money away but at the same time I wouldn’t mind taking some lumps.

TheWatchman1991

Visa 18% VOO 9% SCHD 6% MSFT 4% GOOG 3%

desi_cucky

Simply invest 100K on DCA auto invest over 3 years in SCHD. Put 75K in QQQ and 75K in VOO with same 3 or 4 years DCA duration. With ETFs you will safe and compound over rest of your life. Get a good paying job. You will have approx 5K dividend each year with above split. Open ROTH and try contributing 7K by year end so there too you grow tax free. **NOT A FINANCIAL ADVISE.**

scottyk318

My top positions are... SGOV SCHD VOO QQQ NVDA

Heyhayheigh

Sorry for your loss. Find a trusted advisor. Take your time. SGOV and some SCHD while you find the right fit. It is not just about your mom. But the legacy after her. Best of luck.

Walden_Walkabout

AAPL, MSFT, QQQ, SCHD, VIG I have started moving away from individual stocks and focusing on ETFs. That said, I have a rule to not bet against Microsoft and Apple, so I haven't sold them off and they remain my largest positions.

newbienewb101

JEPI, SCHD, AAPL, FEPI, JEPQ I need the income to supplement my unstable business income. NVDA not too far behind and I betting on some NVDY to give me some more dividend income.

jazerac

1. BIL 1.1mil 2. NXP 850k 3. SCHD 840k 4. VTV 750k 5. A tie between a dozen other funds but got close to 600k on Google and 550k in VDE for some swing trades.

Heyhayheigh

Too young for SCHD. Max your 401k pretax you’re likely overpaying taxes. Ask chat gpt to explain to you. Use SGOV instead of HYSA so you can see comparing to benchmark (see what your conservative approach has cost you). You’re doing awesome though. Have waaaayyy more than I did at your age. But you asked for constructive criticism.

flyingbunnys

SCHD, SCHG, and SCHF with SCHE sometimes.

Investoid

I will give you mine just so you have different input from someone who has been running the same thing for 15+ years. I am 45 years old. 90% stock, 6% bonds, 1% short term, 3% 3 month treasuries. For the primary ETF blends I just have VTIAX (international)15% and VTSAX (US)70% For fun I have SCHD which used to be some random stocks I picked years ago, but eventually all the money ended up in SCHD. In the last month I picked up 1k in 3 month treasuries under SGOV. I try to keep 4-5 months of expenses in a high yield savings account for emergencies. The SCHD isn't even necessary but I like watching it, so I could just move that money to VTIAX someday as its just for fun. The performance from 10 years ago(2015) until today is about 12.00% per year without me doing anything except add to it. This includes most of the market crashes. I believe I started investing a little after 2009 but the impact of this setup wasn't noticeable until 6 or 7 years later. SCHD is slightly down as I made that adjustment only a year ago. It only represents like 1% of holdings. It is what people would consider a double exposure since I am technically holding a broad ETF that already covers what it holds making it kind of pointless but I wanted yet another account somewhere I could withdraw funds from that wasn't the main account...was my thinking. I don't have any really fancy plans, just to coast until retirement in another 25-30 years doing the same thing.

ElCobrador695

First put 7k into your Roth IRA. SCHD, JEPQ or a mix of %. Start building that dividend portfolio and let it ride in there

InvestmentAdvice2024

SCHD, SCHX, SCHG, VXUS - SWVXX as well for cash savings.

beat_the_level

I put most in VOO, SCHD during the crash and some in nvidia when it went really low.   Nintendo I'm holding to Christmas, almost doubled my money from original investment.   Nintendo will go down after the holidays.

Wariat81

You're still very young, and there will always be fearmongering, just like there has been for decades. I think you're doing fine, although personally if I was 27, I'd go more aggressive than SCHD

MoistPM

Imagine being invested in SCHD and gooning over their flat performance for the fifth year and paltry dividend increase.

ServerTechie

Timing the market is hell, so let’s just get that out of the way. You say most of the split is US equity, my advice is buy a whole lot of foreign equity. It’s doing well now as the USD loses value and US policies shakes things up. If you need something to sell, start with SCHD shares, you’re too young for that anyway. If you sell all of SCHD, leave some cash on the table. You could use it as to buy the dip if you believe it’s coming, and lower the cost basis of SCHG. For myself, I sold nearly everything in my Roth in Rollover IRA and it was foolish and emotional in hindsight. Thankfully I bought back in not long after but with a more strategic portfolio than I had before. I’m about 38% foreign equity now, and I have about 10% in an ultrashort bond fund in case I need to buy a large dip in the future.

WeAreBorg_101010

Truth on these CC funds will be how they perform in the next bear market, since upside growth is capped and with IV drops the payout drops they could get crushed compared to plan old voo or qqq. That's why I only hold a bit and only because I think we are mid cycle bull right now. Think what's a more interesting matchup is say voo vs dgro or SCHD. Will a quality dividend growth fund beat voo over a long time frame, perhaps. Probably not qqq though unless we have a big tech bubble.

ArthurDent4200

It definitely wouldn't be SCHD. I bought some last year to compare to Fidelity's offering as well as mm funds. It is doing poorly.... Art

Specialist_Reply_820

HYSA or invest it into ETFs like VOO or SCHD and let it sit.

Daily-Trader-247

I picked many of them because they did not use leverage OR their holdings are mostly the S&P500. GAB's holdings seem defensive in nature similar to SCHD ish My goals are like most are not to loose money and to make a dividend of 7% or greater.

No_Cow_8702

SPY and SCHD w/o dividends included beats AMZN?

UnderstandingSea4745

We can keep it simple though. Op is looking for growth. SCHD is good for passive income if you have a fat stack and close to retirement. VTI is good for growth and you don’t pay taxes on dividends that either go to drip or cash. I anchor with VTI. I go max 5% in IWF, 5% in utilities and Ive picked up single stocks that perform well over the last 10 years. If something stops performing i sell and push it back into VTI where the majority of my portfolio is anchored. If youve been in VTI over the last 5 years, youre up 94%. Pair that with companies like apple, amd or amazon and you have a nice portfolio.

yrrag1970

I have a ton of SCHD and I balance it with VGT and VOO. You have to go back to understanding why you invested in SCHD to begin with !!!!!

greenpride32

>I read on Twitter/X and ZeroHedge we got a lot more room to run for tech. That's all it took for you to change your mind? I'm sure if you search a little more you'll find counter arguments. Do yourself a favor and look at the long term charts for SCHD META GOOGL and QQQ (use QQQM for lower expense ratio - but lower liquidity compared to QQQ). What you're going to find is that these equities have increased over time, by a lot. For you to have captured these gains, you would have needed to have owned them for a long period of time. You might be thinking, it went up, then it went down, back up and back down. And if you got in and out, in and out, you'd be rich in not time, right? Anybody can look at the past chart and tell you the exact bottoms to buy and exact tops to sell. Nobody can tell you those points in the future. TLDR - Identify strong equities - buy them and add to them over time. If you aren't willing to put in the time and effort to keep track of individual companies and want the low effort approach, just stick to ETF's such as SCHD QQQ/QQQM VOO. The fortunes of individual companies can and will change over time.

McKnuckle_Brewery

30% of your portfolio is in straight up cash (money market), so yes - that's got to be invested at least in something with higher yield and less susceptibility to rate cuts. But with that aside: Withdrawing is more nuanced than accumulating for sure. There are so many ways to structure it. And you ask fundamental questions about your allocation that again, are so open ended that you'll just get a pile of random opinions. It's important to research the asset classes you mention, understand them, and decide what you are comfortable with. The transition from pure growth to a more diverse portfolio consisting not only of stock index funds, but also dividend growth and dividend income securities (these are categories), plus bonds, is a journey - not a simple step. This being said, I'm retired 4.5 years and here's what I do. My portfolio is about 71% equities and 29% bonds, mostly corporate and high yield. There's 4% cash embedded in the 30%. My equities are comprised of 40% growth - index funds and tech - plus 19% dividend growth (classics like JPM, XOM, PG, JNJ, SCHD, numerous others) and 12% higher yielding dividend income (JEPI, ARCC, PFFA, etc.). I have 75 individual securities which is a lot, but I am an active investor who enjoys this as a "pragmatic hobby." I've set up my portfolio so that the total dividend and interest yield approaches a full 4% withdrawal. At this writing it's at 3.75%. In other words, I can pay for my expenses without selling shares. My highest yielding assets are kept in IRAs so that I can decide when and how much to withdraw. My taxable accounts hold a blend of growth and dividend growth. I take all dividends there as cash and have them deposited into a money market fund from which I pay bills. There's so much more to talk about, and I don't want to be overly verbose so I'll leave it here. If you want to explore some good intelligent content on income investing, check out Armchair Income and DividendBull on YouTube. These are mature, articulate investors (not Gen Z influencers).

Squatch11

> until I realized that VOO wasn’t risky enough for my age (22) Lol, what? > I felt Oh no. I'm not looking forward to what's coming next. > With that fund, I thought, why not pair SCHG with SCHD? A lot of people do this. > So here is my final approach (it’s not perfect, not for everyone, but it evolved naturally as I learned more about investing): It doesn't need to be "perfect". No one knows what perfect is. No one can predict the future. Just invest, stop looking at it, and check back very infrequently. The fact that you're only 22 years old...I'm going to go out on a limb here and say the more you look at it, the more you're likely to do something stupid that you'll regret. Just set it and forget it. You'll be fine all in VOO. You'll be fine with your current allocation. You'll be fine in just SCHD. You'll be fine in SCHD and SCHG. Stop over-analyzing this and just invest and forget about it.

shephard7374

SCHD

italian_mobking

Why not just yolo it into SCHD and live off the dividends forever, instead?!

yrrag1970

You can always balance it with SCHD

corndog_messiah

I was in SCHD before it was cool

Unusual-Crow1891

And? Stick to buying VOO or SCHD if safe investments are what you want buddy. I’m sure you’ll retire quick with those.

solariac

Anything that has run up a ton these last 3 months is getting hammered. Rotation into safety (WMT, BRK, GLD, AAPL, XLU, SCHD)

PassiveF1st

my very large amount of SCHD appreciates it too :) Also, all that DRIP from yesterday's dividend payout is hitting.

yaris205

SCHD is mooin 😂

Tricky-Ad-6225

I know you eluded to this but: 401k is in the market. It’s just highly diversified, US companies, International Companies, Bonds, and some other stuff. Just place your money in VOO, VTI, QQQ, SCHD, and some other ETFs and it’ll essentially be your 401k except probably a little better returns.