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Deciding Between VNQ, SCHH, or if I should drop REITS all together
Are REITs a good long term investment for Roth accounts?
Advice on holdings for a long-term investment plan
Mentions
I made the mistake initially of having my 401k and Roth almost mirroring each other. So if you can find low cost index funds then you should have that as bulk or your 401k and at least in my humble opinion take different risks in your brokerage account. e.g. I used to have S&P 500 index fund, small cap, in 401k and SPY, SCHA in my Roth brokerage. Then realized that it was the same risk and in my brokerage account I have what 401k doesn't offer (bit of SCHG, SCHD, SCHH, SCHE, GLD, BTC). hopefully this helps.
So you’re asking about investing, but it seems like you’re looking for more security. 20 is a great age for this. First thing I’d do is open up a few online bank accounts and give them each a job and title: Emergency Fund ($2000), Rainy Day (3-6 months of expenses, including average rent in your zip code), car replacement fund, and house down payment fund. Open up a TreasuryDirect account and set up each of those accounts to draw 1/4 of your balance from each account each week. Keep reinvesting. After 4 weeks, you’ll have money T Bills coming in every Friday if you need it. Automate contributions Max out your Roth IRA and HSA every year. Then invest what you’re comfortable with. If you want to do about half your income (including your Roth) for two years, you’ll be in great shape. Let compounding interest work for you. Best is to set and forget. Don’t day-trade. Go into VOO, QQQ, SCHD, AIQ, and SCHH, but work with a wealth advisory who is a fiduciary for exact figures
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).
I don't fully understand the point of fractional shares. Schwab repriced its ETF shares to around $20-30 a share and I feel that's a wiser choice. SCHD, SCHK ans SCHH are all good places to start looking. If you can't afford a full share of a stock, the wise thing to do is buy an ETF and hold it. I started nearly 2 decades ago setting aside what I could afford, even if its only 25 a month. The habit of consistently investing what you can reasonably afford pays off when you see your dividend paying being enough to purchase even more share.
I’m looking for thoughts on my investment strategy as I age. Any feedback is appreciated! I’m thirty now and investing this portfolio: VOO — 15% SCHG — 35% AVUV - 25% FTIHX - 20% SCHH - 5% At 40: VOO — 20% SCHG — 25% AVUV - 20% FTIHX - 20% SCHH - 5% FXNAX - 10% At 50: VOO — 15% SCHD - 20% AVUV - 20% FTIHX - 25% FXNAX - 20% At 55: VOO — 10% SCHD - 20% AVUV - 15% FTIHX - 20% FXNAX - 35% At 60: VOO — 10% SCHD - 20% AVUV - 10% FTIHX - 20% FXNAX - 40%
It sounds like you’re in a great position with the $505k and have made smart moves by paying off your debts. With your goal of generating around $3,000/month in passive income while also preserving your capital, it’s important to balance risk and reward. You're already getting some solid returns with your Treasury Bills ($1,661/4 weeks), but they’re not going to get you to your goal of $3,000/month. I think dividend ETFs could definitely be a good route to explore, but like you mentioned, it can be hard to know which ones are actually safe or risky. Here’s a potential strategy that might help you diversify and get closer to your goal: 1. High-Quality Dividend ETFs: Look for well-established dividend ETFs with a track record of stability and consistent payouts. Funds like VYM (Vanguard High Dividend Yield ETF) or SCHD (Schwab U.S. Dividend Equity ETF) focus on high-quality companies with a history of stable or growing dividends. These can provide solid income with relatively lower risk compared to more volatile options. 2. REITs (Real Estate Investment Trusts): While you're cautious about direct property investing right now, REITs could still offer a decent return. They focus on income-generating real estate and tend to pay higher dividends. Look for ETFs like VNQ (Vanguard Real Estate ETF) or SCHH (Schwab U.S. REIT ETF). Just be mindful that REITs can be more volatile, especially in the current market, so it’s about balancing them in the right proportion. 3. Bonds or Bond ETFs: Given that you’re currently getting income from Treasury Bills, you might want to consider broadening your bond exposure with a mix of government and corporate bonds. Funds like BND (Vanguard Total Bond Market ETF) or AGG (iShares Core U.S. Aggregate Bond ETF) provide diversification and can add stability to your portfolio. 4. International ETFs: To further diversify, you could consider adding some international exposure. There are ETFs like VEA (Vanguard FTSE Developed Markets ETF) that focus on dividend-paying companies outside of the U.S. This can provide a hedge against domestic market volatility. 5. Systematic Withdrawal Plan (SWP): Another option to boost income without solely relying on interest/dividends is a systematic withdrawal plan. With this, you’d withdraw a set percentage (say 5-6% annually) from your initial capital, allowing you to generate a steady stream of income while also taking advantage of long-term market growth. But this approach does carry more risk to your principal. Since your goal is around $3,000/month, that’s $36,000 annually. With your current $505k, you’re targeting a return of about 7% annually. Depending on how you split your investments across dividend ETFs, REITs, and bonds, you can adjust the mix to balance risk and return. At the end of the day, diversification is key. Keep monitoring your portfolio’s performance, and don't be afraid to tweak things as the market changes.
SCHH is Schwab’s REIT ETF (since you asked about REITs). SCHA is US small-cap. SCHC is foreign (developed) small-cap. For broader market ETFs you can go with SCHB (broad US market), SCHF (broad foreign (developed) market) and/or SCHE (broad foreign (emerging) market).
I put in $40 at Fundrise to test it out. I didn’t contribute anything else. Recently, I requested to close the account after it being open for 1 year. I won’t get refunded until January 2025. So refunds are not sent immediately. That said, Im invest in SCHH which is a dividend paying REIT.
ETFs like SCHH & VNQ generally don’t matter, but SWTSX, VTSAX, SWISX & VTIAX are mutual funds and mutual funds typically have load fees when bought through a different brokerage than the fund provider.
Depends on your risk tolerance and goals!SWTSX/VTSAX is popular for US exposure, while SCHH/VNQ is real estate-focused.SWISX/VTIAX offers international diversification.
I think having REITs are great to diversify. Depends on your risk tolerance and your strategy for tax purposes. They pay high dividends and are subject to capital gain taxes when cashing out. If you are invested in total market funds, you are automatically invested in some Reits. So just being invested in the s and p 500, their are a few major players in the reit world there. There are ETFs that cater specifically for Reits, one of them is SCHH from Schwab. Realty Income $O is one of my favorite individual stocks listed in the S and P 500. Some have outperformed the market. Due your own dilligence, but of you like seeing dividends then I advise to buy atleast a small percent. Thats my opinion NFA
Thinking about transitioning from semiconductor etf to real estate etfs (VNQ, IYR, SCHH primarily) and buying some near the money end of year options. With a rate cut coming up I think there is a chance these will begin to outperform some of the more bubble-esque sectors of the market. Is this smart or do I deserve to be here
I was looking at REIT’s as prices may rise with more affordability with interest cuts Top ones were XLRE & VNQ, and others SCHH, IYR, RWR None of them were super volatile, but they seem to have steady growth and it might be a better place than cash for the next week Probably a safe 2-3%
Great selections but lots of repetitions.... XLRE/SCHH/VNQ are the same thing, you might want to select 1 only... same goes with SPY/VOO...
MSFT and NVDA are top holdings in SPY, VOO, and VGT. O is a top holding in VNQ, SCHH, and XLRE. You are spread too thinly for what you have invested currently. Dividends are great, but depending on your ability to routinely invest, time horizon, account type, etc. you are better off allocating to growth, especially since your current portfolio bends towards growth. NVDA and MSFT boomed heavily with AI hype. That doesn’t mean they couldn’t run more or won’t grow in the future, but you are assuming idiosyncratic risk when you can safely gain exposure to megacaps via an index fund. If your brokerage does fractional shares, individual share price does not matter. A fraction of a great company will play better than whole share of something mediocre. You’ve got sector risk and no real exposure to bonds, small cap, mid cap, international, or alternatives while double and triple dipping on equivalent funds. What is your thesis for holding individual equities? If your answer is O’s dividend history and AI go up, time to go back to the drawing board. Why Microsoft instead of Apple or Google? Why Nvidia instead of AMD or Intel? Why O instead of Prologis or NNN? An example: Coinbase IPO’d in 2021 where it topped out at ~$343 in November. A year later, after the FTX fiasco and rate hikes started going, the price had collapsed to a bottom of ~$35. Nearly 90% down. Where was I? Backing up the truck and shoveling hard. Why? Because the Bitcoin ETF custodian partnerships it had with most of the trading firms were already on the books. Bitcoin is cyclical and when asset managers like Blackrock and Fidelity are lining up to the trough, they do so because they have an angle. My thought was that crypto took a severe beating, but is a cockroach of finance and would likely recover. Similarly, Cleanspark was the only Bitcoin mining operation that went into the bear market carrying zero debt and a warchest from selling Bitocoin prior to the 2022 price collapse. Consequently, they were able to significantly expand their operations when things got shitty. Sell picks and shovels during a gold rush. I made a multiple and sold when the crypto market was hot in April. Why? To bank profits when I was in long term cap gains territory and the interest rates were doing their job of taming inflation. A fuckton of corporate debt is getting refinanced at higher rates and rates will be cut to achieve the soft landing or because the Fed overshot. What was my plan? My win got dumped into broad market index funds (lowering my risk), allocations to a Bitcoin ETF and Fidelity’s Digital Payment ETF (maintaining exposure in a safer way), long duration U.S. Treasuries (reading the room), and dry powder (future plays). Do research. Develop perspective. Have a process and a plan. To be clear, you aren’t making poor choices so much as classic beginner mistakes. A couple of years ago, I was in the middle of making them myself. Personally, I’m a fan of the Ginger Ale portfolio, but I still think the best place to start is a basic Boglehead approach of a 3 fund portfolio. It gets you going and is safe enough to figure out if you want to do something more involved.
I have invested 40 years. My first purchase was a Vanguard reit fund that I still hold today SCHH is the way to go.
IMO, not really worth. They can have similar volatility to an index fund but have hugely underperformed (SCHH 4% annualized total return over the last decade). Also, the dividends are ordinary, so they'll be taxed as income, not capital gains, unless they're in a retirement account anyway. They probably stand to gain when rate cuts arrive, but... well, LOTS of things stand to gain when rate cuts arrive. So I don't think that's a very compelling reason. I could be wrong, but... Guess what the worst-performing sector of the stock market has been over the last 5 years. That's right, REITs! Guess the only market sector with negative returns in 2024... Yep, REITs again. Utilities are generally the most boring part of the stock market, and even those are beating real estate.
SWTSX is already total US stock market (including REITS and S&P 500). Adding those positions to your portfolio wouldn’t diversify it; it would weight it. To diversify you would need to add international position(s). SWISX is Schwab’s international mutual fund (developed markets). For an ETF version (since you were looking at SCHH) you have SCHF (developed international markets).
1. Cash out. 2. Research and find a strong monthly dividend paying asset. 3. Buy 2 million of said asset. 4. Write covered calls on half of your position. 5. Enjoy your monthly dividend check. Possible monthly paying stocks to look at, ORC, NLY, SCHH, XLRE, ADC, AGNC, AWRRF. (Not financial or tax advice) just somewhere I would do some research about. Just know you can be pocketing 40 to 90k a month just on dividends not to mention the premium you would generate with writing covered calls.
Please critique or give pointers on my portfolio. I’m in this for the long haul so I can take on risk and deal with it no problem. SWPPX SCHD SCHA SCHH SCHF SCHE
SWPPX and SCHX are almost the same thing (SWPPX is S&P500 while SCHX is dow jones large cap) they are a bit different indexes but they are going to perform almost the same or very very close All of the companies arel also contained in SCHH and SCHD so unless you want to be over weight real estate or dividends/value However SCHE and SCHF have no overlap as they hold foreign funds so I would keep those as it So nothing wrong with holding those but I might consolidate SWPPX and SCHX and just hold one or the other
I have my Roth IRA on Charles Schwab. Currently, I have my money in SWPPX, SCHH, SCHE, SCHF, SCHD, SCHX, SCHA. I chose these trying to mirror a target date index fund but didn't really want bonds included so I did everything individually and I also like the process of buying whatever I choose every week. I.guess I want to know if these funds are pointless if I'm investing in SWPPX and if there is a lot of overlap here.
I wouldn’t count on it coming down in any meaningful way personally.… but you could always short a REIT ETF such as VNQ SCHH MORT, I would aim for something high volume
REITs or a REIT ETF like SCHH.
I would do a 20/20/20/20/20 split Jepi since it’s defensive so this can be your access money SCHH - exposure to real estate VOO - growth SPY - growth Jepq- hybrid capital preservation
Kimco and Arbor are fairly fine REITs in their respective sub-industry lines, but be advised that they are very focused on very specific areas as far as REITs go. That means there is a meaningful chance the RE sector may be up in any given year while you may be losing money. If you dont know much about RE, and dont have the time to spend to learn, I would stay away from mREITs all together and invest in VNQ and/or XLRE. I dont know much about SCHH, but it's returns dont seem very appealing over the last 5 to 8 years compared to the other two. You can certainly accumulate S&P 500 beating gains in RE, and it's an excellent area for income focused investors, but it's fairly complex and there are tons of players. I would focus on accumulating as much SPY, or similar ETFs, as possible for now. Once you hit something like 100K or more, then you can start thinking about focusing on specific sectors and maybe income generation. The fact of the matter is, if you are not investing in a tax advantaged account, you want your investments to be in high growth stocks that pay little to no dividend and instead invest that money in themselves for excellent returns or do buybacks. Dividends eat into your compounding. So no reason to take a hit to your compounding while you are still accumulating wealth.
Look at SCHH all year. A little is OK. 5% seems to be a lot.
My tickers are IWN, SWSSX, SCHH, SCHD and AVDV
Schwab, by a country mile. I went through this a few years ago and went with Schwab, and I couldn't be happier. * Schwab's color scheme is both pleasant and professional. * Schwab's customer service is honestly the best customer service I have experienced. They do not read from scripts. The only time they ever do that is when they're required to provide some disclosure that's obviously required by law or regulation. They just talk to you. If you ask them something they don't know, they try and figure it out, but then they're more than willing to transfer you or give you the direct line to specific departments. You do not have to jump through automated calls and systems to speak to a person, and when you do speak to a person (I usually do online chat or phone calls), they are efficient. * Schwab's customer service has *never* tried to sell me a Schwab product. Not once. Fidelity holds a former employer's 401(k) of mine, and they are forcing me to call in to roll it over to an external party (i.e., my Schwab account). I called them and had to listen to a guy blabber for 50 minutes (!), and in the end, we didn't perform the rollover and he had scheduled an appointment with a Fidelity investment advisor for me. * Schwab is the only brokerage who is also a bank. You can transfer money between your checking and brokerage accounts instantaneously. They have unlimited reimbursement for ATM fees, including internationally. * They have been pretty steadily updating the website and mobile app, and I generally feel it's an improvement. It's not perfect, but it's clear they're paying attention to feedback. * They once fixed a bug I reported in just a few days or a week. In general, their customer service offers up to forward on feedback to the relevant teams. * Since they purchased TD Ameritrade, they are now the only brokerage of Fidelity and Vanguard that has a trader API (i.e., an HTTP API) available to individuals. There is now a new Schwab Developer Portal, and they're rolling this out now. * No commissions for their customer service and broker workers, so they just talk to you like normal human beings. No fees on any normal trading. Very low expense ratios. * They have a wide selection of great ETS and mutual funds. Good ETFs are SCHB, SCHD, SCHE, SCHY, SCHH, SCHA, SCHG, SCHF. * They have stock slices and a robo advisor. I haven't used the latter yet. * They are an extremely conservative and professional company. This means that they treat you like an adult, don't try to upsell you on anything, and provide good warnings when trading to make sure you aren't cowboying it up. They really make sure that the thing that *you* are doing is in *your* best interest. * They have a Schwab branded American Express Platinum credit card that is a 1.5% flat cash back (no moving categories). The cash back deposits directly into your linked brokerage account with no action from you. Fidelity's card has 2.0%, but I feel Schwab is better than Fidelity in general, and the 0.5% wasn't enough to make me get their card and split management across Schwab and Fidelity. Schwab's credit card could be better, but it's good enough for my uses. (I use two other dedicated credit cards for most purchases and then the Schwab as back for anything those two don't cover well.) * Schwab has some automated investing features. Could it be better? Yes. Could it allow automated investing of more products? Yes. However, I'm happy enough currently with what they have. I just really like them. It's just astounding how pleasant it is to talk to their people. It's clear that they are trained very well. Schwab has basically every product you need. Do Fidelity and Vanguard have some features that are tweaked in their favor over Schwab? Yes. But Schwab has features they don't have as well, and I believe Schwab's features are much more enabling in general for my needs.
You cqn biy schwab assets on other platforms. Im holding SCHG, SCHD, SCHY, amd SCHH in Vanguard. Switch if you dont like them.
Short realty stocks or real estate ETF’s. You would need to buy puts on the following tickers VNQ, SCHH, XLRE, IYR, ICF and others
Rare art and farming are underrated investments, but hard to get into. There was a platform to help make it easier, Yieldstreet, but they were found to be a scam. ​ Real Estate can be invested into on the stock market via REIT companies or REIT ETFs. Best practice is to invest into them in a Retirement account (401k, 403B, Roth IRA, or Traditional IRA) for tax protection. The most popular REIT is "O". The most popular REIT ETFs are VNQ, XLRE, FREL, and SCHH.
I've owned IVV for years, love it. SCHH as well for REIT and Dividends. QQQ as well....but nothing better than the big ones VOO, VTI the common ones everyone says.
If you really want exposure to real estate I would look at REITs or, even better imo, a REIT index. USRT, SCHH, and FREL all come to mind as low cost options that might be worth looking into. Personally I don't go for REITs as they don't generally perform as well as something like VTI and their dividends are taxed as ordinary income. They are also fairly highly correlated to the stock market so you don't really get much asset class diversification. If I was 19 again I would open a Roth IRA at a major brokerage like Fidelity, Schwab, or TD Ameritrade and look into things like VTI or VOO. That's what I did when I was ~19, and 20+ years later I have no regrets.
One step ahead of you ;) looking to buy some more are there any u invest in or recommend? I own SCHH
Popular REIT ETFs include $VNQ, $IYR, $USRT, $SCHH
Are you required to put it in a custodian account? If not, I would recommend against it. I don’t know many 18 year olds who can properly handle getting tens of thousands of dollars all of the sudden. Get a Charles Schwab or Fidelity account and invest in their broad market and dividend funds. For Schwab, look into SCHB, SCHD, SCHY, SCHG, SCHH, SWPPX, etc.
Housing data starts tomorrow and goes into Friday. Hoping I come out like the legend mike B. Puts on RKT, RDFN, Z, and SCHH.
Dividends are generally not good for people under 55 who are still working full time jobs because they just add taxable income on the company's timetable, not yours. If you want some funds, better to sell some longterm holding of yours at a time beneficial to you. To me, SCHH is useless. It has done next to nothing either way the past five years. XSD is an excellent longterm choice... though semiconductors are still reeling so you may want to wait on that for awhile. There are a couple better energy ones than XLE, but if that is your only choice its a good one. Also no fan of IWM. SPY/VOO/VTI make a better broad choice. And for me if something doesn't outperfom SPY/VOO/VTI there is no reason to have it. QQQM has, by a lot, so that one I like. One question to ask yourself is this a longterm buy for you or something you could liquidate in a month? Some things are going to do better in the short term, like XLE is a safer bet for the next month than XSD, but if someone were to give me 1000 shares in something and I could only sell them in ten years I'd want XSD, no question.
Tks for your input, amigo! Is SCHH not a good choice among the others? What about removing it and going 33% in the others 3? I'm not taxable here (Brazil) for dividends, just the tax from US (30%). I still have some good options - imo, like XSD, XLE and IHI. But just in the future, when they get loooooooowwww (or not)
Tks for your input, amigo! From my researchs SCHD looks like solid in the past years, a lot of investors and good DY; Being honestly, I'm not decided about SCHH, dividends isn't priority, but yes, diversication. I've been think about swap it for VTI, what about this? I'm not in VOO just because SCHD already index a part of the same funds, It'd be redundant imo
An etf such as SCHH may be a good fit for wide exposure without needing to pick and choose specific RIET markets.
Can someone look at $SCHH and tell me if its going to gap up to $20 in october before going back down again 
My otm long puts (85% portfolio) bought eod really do hope the Schwab Housing etf $SCHH after-hours are fake
Thanks for the new perspective. Yeah, a car is really awesome to have where I am. Also worth mentioning is none of the money for the car would be coming from my brokerage account, it’s just adding in some more money so my checking isn’t sitting empty after buying it. Do you mean to get rid of SCHH or HAUZ? Thanks.
SPY boring in other news housing market $SCHH on track for recession 
You could buy puts on the REITs and housing ETFs -- VNQ, SCHH, XLRE etc
Are you saying that VNQ and SCHH didn't drop alongside other equities in the first half of the year?
What people seem to ignore with REITs being a diversifier is that in times of market downturns, REITs act just like regular equities. VNQ is down 17% YTD and was down as much as 24.5% this year at it's low. SCHH is down 15% YTD and as much as 23% at lows. In the end, these are just publicly listed US stocks (well the above are ETFs but the point was just to show the aggregate return of REITs), subject to liquidity and redemptions and how Mr Market is acting that day/week/month/year. Use them as a part of the overall portfolio sure, but be careful not to overweight them. I think people forget that REITs are in the S&P 500 and Russell 3000 already! ~3% of the SPX is REITs and ~3.5% of the Russell 3000. So you will already have exposure to them just in your normal part of your portfolio.
No rules. Up to you. I have: SCHD, SCHH, VTI & 1 or 2 other ETFs i pile into on one of my 401ks
Open a separate portfolio from wherever you do your trading from, preferably at another brokerage so you aren't tempted, and craft a simple but robust coffee shop portfolio (30% VYM, 30% VTI, 30% SCHH, 10% BLV) and then leave it alone. It should generate about 22-23k annual AT from dividends (this will grow and should also have long-term capital growth of about 7-8% annually) and be highly liquidable in the event that you want to make a large purchase (house). Live within your means that your job provides but this free cash flow should be enough to get you into a house (200-300k) and if you have roommates this is even easier. Buy a simple but reliable car (Model 3, Camry, Civic) with what is left over from the dividends on a loan. Debt is your friend if you can pay it off. You can always push payments forward and reduce the impact of interest. If you can ignore the temptation to be here, this will grow and provide significant cash flow when you need it (mid-30's and up) without ever touching the principal.
That's good too. Schwab also has equivalents to those Vanguard ETFs. SCHB = VTI SCHF = VXUS SCHH = VNQ
I like dividends so I invest in these long term: SRET MORT SCHH STOR
Good REITance! (See what I did there? Lolol) when someone talks about REITs! I use Ch’Schwab, with that I chose SCHH to get my exposure to real estate. REITs aren’t my thing, however, if I had to choose one, CUBE all the way! I stuck SCHH in my Roth for better or worse as well and am letting it collect dust. I also went through the last 2for1 stock split #moreisalwaysbetter. I’m currently -8% red but not phased. XLRE and SCHH have their pros/cons. Matter of preference.
You could look at ETFs. SCHH top 3 holdings include Communication Towers and Industrial Warehouses.
Honestly, with treasury yields set to go up with QT, put options on REITs might be good short term plays. I’ve been eyeballing AIRC and SCHH. When the last rate increase happened, AIRC dumped almost 23% from Apr 21 - May 10 (the weeks before and just after the last FOMC meeting). SCHH dropped about 17% in that same time frame. They have both been going down in the last week (the next FOMC meeting is June 14-15) and they dumped this morning. I might buy some just ITM put options next week and hold through the fed meeting and take profits from that.
VQN, SCHH and IYR all down on accelerating volume. They've been holding up reasonably well until recently. Something I've been keeping my eye on.
Been considering adding a milkshake with SCHH or some other REIT ETF. But I just don't see a case for it.
47% overlap between VTI and VUG. https://www.etfrc.com/funds/overlap.php You probably don't need both. Pick one or the other. Use the funds for SCHH (4% overlap with VTI, 3% overlap with VUG) or VNQ if you prefer Vanguard funds SCHF (0% overlap with VTI and VUG) or VXUS if you prefer Vanguard funds
The SCHH caught my eye, ill look into it. Thank you
The more it goes down the more I buy. Today's additions were XLC and SCHH
>I know I'm missing some international exposure but not sure what to look at specifically. International and real estate (REITs). It looks like you like dividend payers so consider adding [Schwab U.S. Dividend Equity ETF (SCHD)](https://finance.yahoo.com/quote/SCHD) As for international and real estate >**Vanguard Total International Stock Market ETF (VXUS) or Schwab International Equity ETF (SCHF)** > >Vanguard Total International Stock Market ETF and Schwab International Equity ETF provide a one-stop shop for international investing. While the funds lean more heavily into the large-cap developed-market space, they offer exposure to emerging markets as well, to the tune of roughly one-quarter of the stocks in the ETFs. > >VXUS and SCHF come with reasonable 0.08% and 0.06% price tags respectively, so you won't lose money to unnecessary fees. We recommend that all investors have at least some direct exposure to overseas companies; these funds fill that role nicely on a broad level, while also leaving room elsewhere in the portfolio for more targeted exposure. > > > >**Vanguard Real Estate ETF (VNQ) or Schwab U.S. REIT ETF (SCHH)** > >These exchange-traded funds invest in stocks issued by real estate investment trusts, or REITS, which are companies that purchase real property such as office buildings or hotels. We are including a real-estate-focused fund in our portfolio to ensure that we have targeted exposure to this sector, which should play a diversifying role and also help reduce overall volatility. > >These funds feature reasonable 0.12% and 0.07% price tags respectively and offer broad diversification across multiple types of REITs, including retail, residential, office, and industrial. Vanguard Real Estate ETF and Schwab U.S. REIT ETF are quick and easy avenues for investors to boost portfolio diversification while also benefiting from the powerful returns that the real estate sector has historically generated.
I was gifted $100,000 from my parents as a way to learn how to invest. What should I do? I make 80k per year, max my 401k and Roth IRA. I have a brokerage with Charles Schwab so I’m bias towards their ETFs / index funds. I mainly invest in SCHX, SCHG, SCHF, SCHH. For specific stocks I’m heavy in AMZN, TSLA, APPL. Very happy to listen to any recommendations!
SCHH is good and stable, but the dividend payment per share fluctuates too wildly for my taste. If you put $69K on MFA you’ll most likely make more in dividends in MFA than in SCHH also because MFA costs $4.20 and SCHH costs $24.3 per share, but that’s just my two cents.
understood thanks, but as opposed to SCHH?
**Is your Roth IRA maxed out???** If it isn't, look into making one. Not financial advice but I would **DCA** into something like 80%:VTI 10%:GOEX 5%:SCHH 5%:your pick of a stock you are familiar with and actually use.
Current Roth ira, around $40k and I'm mid-30s: * 21% SCHK * 22% SCHD * 7.6% GOOGL * 9.7% AAPL * 9% MSFT * 8% NEE * 8% NVDA * 15% TSLA Future contributions will probably go to SCHH and more AAPL GOOGL SCHD, maybe some TSLA if I'm feeling spicy. I guess I don't really have a question, but if anyone has thoughts or perspective
SCHM, SCHA, SCHP, SCHF, DGRO, SCHH, and SCHV if you want value. You can add to positions as market changes if you want a different allocation. Keep it simple.
> it's just a matter of personal preference in terms of allocation or simplicity Exactly. Not that big a difference so personal preference. You should also consider SCHF for international exposure and SCHH for real estate exposure.
ARE and CPT been keeping me green haha. But ARE was gonna dilute, so I don't hold em anymore. SCHH is on my watchlist now.
There are a lot of REIT etfs. Just do a quick search for "REIT etf" on your favorite engine. I see a list of 19 on [etf.com](https://etf.com). The most popular seems to be SCHH. It also has the lowest fees at 0.07%. The next cheapest ETF is USRT at 0.08%. As for BREIT, looks like a plain diversified. Mostly residential and industrial. Here is a list of diversified REITS [https://www.reit.com/investing/reit-directory?sector=8309&field\_listing\_stat=](https://www.reit.com/investing/reit-directory?sector=8309&field_listing_stat=)
I only trade individual stocks. I build my keeper portfolio with ETFs . I’m big on Schwab ETFs: SCHV, SCHM,SCHA,SCHP,SCHH,SCHF and DGRO When I get trading profit I buy more ETFs. I’m also getting served on BITQ right now because I bought it last spring as it first was released. But I don’t worry too much about it because my ETFs are long term.
One thing to learn about is the different types of accounts from which you can invest in things, because there are big differences. Like for example you can buy shares of real estate funds (such as VNQ or SCHH) from within a "regular brokerage account" or from within a Roth IRA. You'll earn money regularly ([example](https://investor.vanguard.com/etf/profile/distributions/vnq)) thanks to rent earned and such. The difference is whether you'll have to pay taxes or not: Roth IRA no taxes at all, Regular Brokerage you pay taxes every year. More young people should take advantage of investing from within a Roth account.
A lot of them still have plenty of growth. DGRO, SCHM, SCHA Even SCHH Big fan of Schwab stuff
Yes, I only look at the top 10. ICLN is clean energy, XLF is banking, IXJ is healthcare, NOBL for dividends, SCHH for reits/storage/land, CARZ for auto, some of them overlap but then again, I’m not investing in all of them every time, only the beaten up sectors, example if auto industry is down big, It would reflect more on in CARZ but not XLF, so I’d put majority of Cash into CARZ to dollar cost average, then invest a little into the rest of the ETFs.
I would say diversify the crap out of a portfolio if you are that worried. Once you go 6 months of solid gains you will loosen up a bit and enjoy. Do some s+p500 like VOO *(20%) Do some nasdaq tech like QQQ *(20%) Do some gold and silver *(GLD IAU and SLV) Do some utilities like XLU AND VPU Do some real estate sector like SCHH and VNQ and rocket mortgage or redfin. You could do some blockchain related stuff like (riot and coin) And get an electric vehicle stock. I like lion EV.*(LEV) sure you can buy tesla but its up 30% in the past 4 weeks. I would wait on tesla. Get the one that's about to go up 30% in the next 6 weeks like LEV. And gas is not gone! Maybe u get exxon or shell or bp. *(your util sector might have some of this....just get the ones you like) Add in 2 or 3 companies you personally like. I like dennys - so i buy a share of dennys every month. And i want the discount on my new ford truck so i bought 100 shares of ford and then it start rising so i bought more and more. Yeah this portfolio is all over the place......that's the point. You hit a little bit of everything. *(go the heaviest on qqq and voo) like 20% voo 20% qqq and then split the other 60% up relatively even over all your other stuff. I have a crazy portfolio like this and it goes up every week. *(since i got stupid diversified like this.....my portfolio has gone up every week this year except the week of sep 19 the week of aug 19 and the week of oct 28) - every other week this year.....my stocks only rise. I don't own any bonds. I dont care. If the market crashes i will find a sugar momma to help me buy more stocks.
Sounds good do you think I should buy some shares of SCHH or find some other REIT?
I want an overall balanced ROTH IRA through Schwab, but have no idea how to do it. I am young and want an aggressive portfolio with low expense ratios (I don't like investing in anything over 0.9% expense ratio). Is there 1-3 funds that cover everything? I see advanced users talking about covering small cap, tech, sectors, etc... and I just really need help! These are my current funds: SCHD 35% SCHH 35% SCHV 10% SCHF 20% Someone told me I have an old person's balance, so please help! :(
If you want to keep it simple I’d lean towards Index Funds, and then decide on a 2, 3 fund portfolio (healthcare, total market, etc.) to spice it up. Maybe add an ETF as well if your broker doesn’t have a specific one. For example with Schwab; SWPPX, SWHFX, SCHH. You could add a few (blue chip or dividend) stocks you don’t planning touching for next decade at least as well. My take on it.
I was trying to expand into those but I wouldn't know any good long term ones. I was thinking VNQ, SCHH or VGSLX. I just wouldn't know where to properly research them
Annaly Capital $NLY pays a 10.25% dividend, so if you invested 10,000 you’ll get paid 1025 a year. But looking at their performance over the past 10 years, they have steadily gone down in value, which shows they are sacrificing long term growth for dividend payout. Keep in mind taxes on dividends are much higher than long term capital gains. Doesn’t seem like a good trade off to me unless you’re investing in a retirement account. To me, what makes a REIT desirable is potential for long term growth, dividend payout, and dividend consistency. When choosing what to invest in, I would look at the price chart over the past 10-20 years eliminate any that are trending down over this period. Then look at the dividend payout history and look for consistency. Ideally you want to see their dividend amount increase or remain constant over time. Be careful for those who cut their dividend during the 2020 Covid crash. If they had to cut their dividends when the market crashed, they may not be able to weather the storm if a similar catastrophic event occurred. With all that said, my favorite REITs that more or less meet my investment criteria are STWD, STOR, O, and to a lesser extent SPG. There are plenty of others out there but these are the ones I’m personally invested in. If you’re looking for more safety/diversification, you may want to consider real estate etfs such as VNQ or SCHH. I generally don’t invest in these etfs because the yield is much lower than most individual REITs. But higher yield comes with higher risk.
Lately, I've been purchasing REITs instead of bonds. REITs are usually more stable than tech stocks in volatile markets. REITs are great if you're looking for steady income. Schwab U.S. REIT ETF (SCHH) is one of my biggest holding. 0.07% expense ratio, and has around 150 REIT stocks under it.
I just looked at some REITs like NLY, AGNC, CIM, and they crashed by 60-70% last year during the rona crash. None of them have been able to reach their highs again. VNQ, SCHH, IYR all fell about 45% during the rona crash, whereas SPY only fell 35%. Also, SPY absolutely obliterated the REITs during the recovery.
Good post. Will add a few things to what you said. There are individual RE stocks and RE ETFs. https://etfdb.com/etfdb-category/real-estate/ * Some are REITs like SCHH or ICF * Others are not. VNQ or IYR Main difference is that REITs are generally geared towards generating income and have higher dividends. So they are good if you are nearing retirement and want consistent income generation. One downside is that their dividends are always taxed as ordinary income rather than capital gains which can be bad for those in high tax states or make a lot of momey. You can get around that by either being a low income earner or buying these in your tax-shelters IRA/Roth/etc. Within RE ETFs there are very different types from residential (homes, apartment complexes, mortgages), commercial (malls, storage, 5g towers), mixed res/com, and even LoanFinancing+MBS. Make sure you look, DD, and invest carefully. My personal RE exposure was an early margin investment in MORT, sold puts on OPEN, and bought LEAPs on OPEN. Pretty risky, but I'm very bullish on the economy, entered these positions earlier, and they've been panning out pretty well so far.
But, the yield makes up for it, and the Global REIT aspect increases diversification, like the relationship between SWPPX and VTIAX… how about 10% SCHH, 5% SRET?
Better growth and lower expense ratio with SCHH.
I like the first 2. Replace most of the rest, but keep SCHH. That will bounce back in 2022. Something like: ​ \- 50% SWPPX ​ \- 35% VTIAX ​ \- 15% SCHH
Alright guys, I came up with an allocation plan. What do you think? - SWPPX (40%): S&P 500 - VTIAX (35%): International stock market - BKAG (5%): Bonds - SCHH (5%): US REITs - SRET (5%): Global REIT - IPO (2.5%): US IPO ETF - IPOS (2.5%): International IPO ETF - Leftover (5%): when any new craze comes up
I wanted advice on an investment portfolio I had in mind, but, turns out it belongs here instead of where the posts go, so… The portfolio I have in mind is: - SWPPX for the S&P 500 - SWTSX for Total Stock Market - DIA for the Dow - VTWO for the Russell 2000 - VTIAX for the Total Int’l Stock Market - IPO and IPOS for IPOs (because yes) - SCHH for U.S. REITs - RWO for Global Real Estate - BKAG for Total Bond Market I don’t know the weight each fund will have on my portfolio yet, I don’t know where to start. I’m wondering if you guys think this’ll be too diversified or if any of these are unnecessary, like having the Dow and S&P in the same portfolio.
I balance it with SPHD, VGT, and SCHH
Any advice for my portfolio to counter the inflation? VOO 40%, QQQ 30%, SMH 10%, VNQ 5%, SCHH 5%, ARKW 5%, ETH 2.5%, BTC 2.5%, looking for 20% annual return.
> Holding both is superfluous I would disagree with this. First off the strategies are similar, but not identical, which means you add a little diversity of strategy. Also they are relatively predictable ETFs, but they cost different amounts. While balancing a portfolio it might make sense to buy one over the other to get the percentages you want, and since they are more similar than different, it might be acceptable in some cases to treat them as exchangeable. For REITs, I recently picked up SCHH instead of VNQ for this reason. Despite already having VNQ. The numbers just worked out cleaner.
What REITs are you looking at? Put $100 into SCHH and see what happens a month from now. Holding on to tech plays after the market has shifted is the definition of bag holding.
Yeah I have AGNC and it's been good so far but I should probably be looking for something directly related to real estate. I'll look into SCHH too, thanks!