See More StocksHome

SCHP

Schwab U.S. TIPS ETF

Show Trading View Graph

Mentions (24Hr)

0

0.00% Today

Reddit Posts

r/investingSee Post

Inherited Estate advice por favor

r/investingSee Post

Why not sell bond funds if you know Fed is going to hike rates?

r/investingSee Post

SCHP stopped paying dividends. Anyone thinking about selling?

r/investingSee Post

How are TIPS etfs at almost 11% yield?

r/stocksSee Post

Portfolio Overlap? Seeking Advice!

r/investingSee Post

How does one determine the real (holdings) value represented by a TIPS ETF share?

r/investingSee Post

Stagflation ETF Launches as Fed Attempts to Tame Sky-High Prices

r/stocksSee Post

Why have TIPS fallen despite the high-interest rate?

r/stocksSee Post

Dividend Portfolio Advice

r/stocksSee Post

Selling stocks now to invest when there is a downturn/correction??

Mentions

Inflation remains stubbornly high, so TIPS funds like SCHP are feeling the pinch. The Fed is trying to get prices under control, hopefully this current downturn is temporary.

Mentions:#TIPS#SCHP

The performance of TIPS (Treasury Inflation-Protected Securities) and related ETFs like SCHP can be influenced by various factors. While TIPS are designed to protect against inflation, their prices can be affected by changes in real interest rates and market sentiment. Factors like changes in interest rates, economic conditions, and investor expectations can impact TIPS prices. It's possible that movements in interest rates or other market dynamics since March 2022 have influenced SCHP's performance. To get a more detailed understanding, you may want to look into recent economic and market developments, central bank policies, and other factors influencing the fixed-income market.

Mentions:#TIPS#SCHP

A bond ETF like SCHP holds a basket of different bonds with different maturities. The average maturity of SCHP is 7.1 years. As interest rates rise, bond prices fall. In theory, all else being equal (e.g. no other interest rate changes), you’d make back that difference due to the increased yield after about 7 years. Even if you bought individual TIPS bonds yourself and held them to maturity, remember that TIPS only protect against *unexpected* inflation. This is because the amount of expected inflation is already priced into the yield when you buy the bond. If you want absolute inflation protection, then you should be looking at I-bonds. But there’s a limit to how many I-bonds you can buy a year.

Mentions:#SCHP#TIPS

AGG had a 18% drawdown in 2022. How about 40% Commercial paper (JPST, BOXX) 20% Aggregate bonds (BNDW) 15% TIPS (SCHP) or Series I savings bond 5% Gold (GLDM) 20% Stocks (VT, VTI)

Why would we default? They will just print more money. You essentially think that we will be forced to print a lot so go bet on inflation. Something like TIPS: SCHP would make the most sense in that situation

Mentions:#TIPS#SCHP

You can buy TIPS through any major broker (i.e. not robinhood). No need to transfer. (In fact, you cannot transfer assets from outside an IRA to within an IRA, only cash) There are a few differences. They are largely taxed the same but I wonder if you need to calculate the imputed tax on a TIPS yourself? I haven't done it so maybe your broker will calculate it for you on your 1099, not sure. TIPS funds will be n your 1099 for sure. TIPS maintain a constant duration profile. It's like holding a portfolio of different TIPS and rolling the maturing ones into new ones. That means they continually have some duration risk, whereas an individual TIPS held to maturity has one date with some guaranteed return. Funds have management fees. Though 3bps for SCHP is pretty low, it's not hard to just buy TIPS yourself.

Mentions:#TIPS#SCHP

Not a father but I put my nieces' 529s in 100% stocks. They are currently younger than yours and I don't intend to reduce it until a couple years out. But you obviously have more responsibility and more money at stake. You don't want to go too high risk and be uncertain how much you (and/or they) will have / need to save, but you also don't want to go too low and give up potential gains and maybe underperform the rate of tuition inflation. You listed a bunch of distribution-focused funds, including ones that use option premiums. If a high distribution rate gives you more confidence in their performance, then I say go for it. But in general I don't see a point in shuffling money around from one pocket to the other and back again. For a medium risk portfolio: 15% VTI, 15% VFMF, 10% VXUS, 25% BNDW, 10% JPST, 10% SCHP, 10% DBMF, 5% IAU

r/wallstreetbetsSee Comment

SCHP is way better and less expense

Mentions:#SCHP
r/investingSee Comment

Thoughts on VTIP or SCHP, are TIPS the same as BND? or are these completely different?

r/investingSee Comment

Whenever people are confused about bond fund, I generally suggest they consider what the underlying holdings of the fund are. Despite popular opinion, bond funds are not fundamentally different than their underlying holdings. Each US Treasury bond (of all types) pay coupons bi-yearly. Any bond ETF that distributes monthly is relying on the fact that there are a bunch of outstanding bonds that have coupon payments ***roughly*** evenly throughout the year. That's more or less true for Treasury nominal bonds, especially because they've been issued for (literally) hundreds of years. However, TIPS are... kinda weird: * they are uncommon for the Treasury to issue - they're only about 10% of outstanding debt. * they also are relatively new (only since 1997) * there isn't a consistent supply of different maturity dates (for example, 20 year TIPS are no longer issued). I suspect what you're seeing is related to lumpiness in the coupon dates of Treasury bonds resulting in inconsistent coupon payments to the fund - and hence, inconsistent distributions to holders. In addition, most of the holdings of SCHP will be older TIPS that have pretty low to negative yield - current high TIPS rates haven't been seen since the Great Financial Crisis timeframe. Before 2022 or so, inflation was very low, and sometimes month-to-month CPI was zero or even negative. Take a low/negative coupon payment, and a low/negative CPI adjustment - and you'll get near-zero/zero coupon payments. The investment you appear to be looking for - high yield, risk-free, paying monthly, inflation-adjusted, with consistent distributions - is something I don't think exists. I also don't think it **can** exist because inflation-adjustment inherently results in inconsistent distributions since inflation is not consistent. Which requirement do you care about least?

Mentions:#TIPS#SCHP
r/investingSee Comment

Looking into this further, I see that SCHP has missed several payments. It's supposed to pay monthly, but apparently it only paid twice in December 2022, and always appear to skip January. This is a horribly unreliable source for income! Apparently the don't pay if there is a negative CPI growth, but I don't see why that should make a difference. As long as the CPI number is positive, the cashflow should be growing. And even with deflation, the interest still has to be paid! I just don't understand this instrument at all.

Mentions:#SCHP
r/investingSee Comment

Wow, thanks for the explanation! Even though I still haven't fully understood, I think I might have realized that the yield on a TIPS bond ETF isn't the same as the yield on a single TIPS. The coupon on [the recent single 30-year TIPS bond](https://www.treasurydirect.gov/auctions/announcements-data-results/tips-cpi-data/tips-cpi-detail/?cusip=912810TP3) is 1.5%, but I don't know at what price those bonds were sold, so I can't say what the actual yield is. But I don't think it's 4% or more like the SCHP TIPS ETF. I know that there are target date bond ETFs, but to my knowledge, there aren't any target date TIPS bond ETFs. It's a shame, because purchasing these TIPS bonds directly is probably a pain, and being inexperienced, I might make some costly mistakes, as I understand the market isn't particularly liquid and I don't have much trading experience. I just might end up holding cash in a money market fund instead :(

Mentions:#TIPS#SCHP
r/investingSee Comment

You are intermixing a number of potential investment options (switching from a 20-30 year nominal bond, to TIPS, to a intermediate duration TIPS bond fund), and a number of investment metrics (fund yield, bond yield, coupon vs yield), so I'm not entirely sure how to respond here. SCHP yield is comprised of two primary components - the coupon payments from the underlying bonds, and the capital gains of SCHP having TIPS mature at a par value of >100. Addressing each of those separately: a) **Coupon payments**: *on existing SCHP bonds,* assuming constant positive inflation, the coupon payments will always increase. As an example, the biggest holding of SCHP is CUSIP 91282CGK1, with a coupon 1.125%, issued 31 Jan 2023. At that point, it would have paid coupons of $1.125/$100 invested yearly \[\*\]. It currently has an index ratio of 1.02611, so it currently has a par value of 102.611, so will currently pay coupons of $1.154/$100 invested yearly. *However,* every year \~20% of the bonds either mature or are sold by the fund (see turnover). All of the newly purchased bonds will have coupon payments based on the prevailing interest rate at the time, which might be lower than, more than, or equal to existing bonds. * This is the real yield of the underlying TIPS (1.92%-2.12% right now for 5-10 year TIPS. b) **Capital gains**: all bonds that mature or are sold with par value >100 (ie, most all of them) will get a capital gains distribution. *However*, that's a one-time thing (a bond can only mature/be sold once). So although this gain is a function of inflation, it won't increase over time unless inflation increases. And when inflation increases, the bump in capital gains distributions is only one time for the same reason. * This is the market expectation of future inflation. Right now, that's 2.17%-2.26% over a timeframe of 5-10 years (difference between TIPS yield and nominal Treasury yields). The easier way to think of bond funds is that they are a single synthetic bond created from all of the underlying holdings in the fund. This is much simpler - and actually accurate, because arbitrage holds bond fund pricing to exactly the same price as the underlying holdings. You can view SCHP as a single bond of 4.24% nominal yield (weighted YTM), with a bond duration of 6.7 years. Hence, it's reasonable to expect 4.24% return for the next 6.7 years. That said, that doesn't imply that bond fund distributions / cash flow is 4.24% for the next 6.7 years - the returns come from a), b), and NAV adjustments due to interest rate changes. Coupon payments increase based on inflation, capital gains only increase if inflation increases (and will decrease if inflation decreases), and NAV adjustments are due to the prevailing interest rate environment. I know from this post and your other posts that you are really interested in cash flow from your investments, as opposed to total returns. If you want deterministic, inflation-adjusted cash flow (as opposed to returns), you'll want to buy a single TIPS right now, and right now, that'll get you about 2.0% inflation-adjusted coupon payments. \[\*\] actually half of that bi-yearly - and yes, I know that only a single coupon payment has ever been made by this bond so far.

Mentions:#TIPS#SCHP
r/investingSee Comment

Currently, SCHP paid $2.34 in the last 12-months on an NAV of $51.64. That's a 4.53% yield in actual dollars hitting the bank account. As long as inflation remains positive, that means the cashflow (interest) keeps growing every year, am I correct?

Mentions:#SCHP
r/investingSee Comment

I think you are counting inflation twice. There are no 4% coupon TIPS that exist right now; all outstanding TIPS have coupons around 0%-3% or so. That 4.24% YTM has to be including the inflation adjustment already. SCHP has a effective duration of 6.7 years, so its expected return is equivalent to a TIPS purchased right now with 6.7 year duration. Calculating the duration of a TIPS is really weird, and I don't know if there's a standard definition, but one can expect somewhere between a 5 year TIPS and a 10 year TIPS. Right now, that means about 2.0% real, for somewhere between 5-10 years. You can't forecast out to 30 years, because by that time, the "average" bond in SCHP would have already matured and been repurchased by SCHP, with whatever interest rates are in 5-10 years. Each year you will get 2.0% + inflation back from the investment - that might mean on the first year you get only 2.0% back (if inflation is low), or significantly higher than that (if inflation is high). However, on average, the market prices TIPS and (nominal) Treasuries to have equal expected returns. Since a 5-10 year Treasury has \~4.2% nominal yield, you can expect \~4.2% nominal yield for the effective duration of SCHP.

Mentions:#TIPS#SCHP
r/investingSee Comment

Here are results of a recent 30 year tips auction: https://www.cmegroup.com/education/events/econoday/2023/08/feed579637.html Results quoted in real yields. So take that yield number, add a couple points for inflation, and that is your expected return. Math you did for SCHP is already accounting for the inflation adjustment.

Mentions:#SCHP
r/investingSee Comment

That can't be right. The last 12-months actual distribution of SCHP = $2.34. SCHP trades at $51.22 Actual yield of 4.56% . That's the actual yield, not the total return. As we agreed, this yield will keep increasing every year with inflation. Assuming 2% increase per year, means 6.5% risk-free total return.

Mentions:#SCHP
r/investingSee Comment

Yeah, someone else mentioned TIPS in this thread, and it seems to be what I'm looking for, particularly since SCHP yield to maturity is 4.24% right now. It sounds too good to be true, though. I feel I'm missing something.

Mentions:#TIPS#SCHP
r/investingSee Comment

Currently SCHP is yielding 4.24% with a average duration of 6.7 years. That's...pretty fucking good, right? 4.25% yield that keeps increasing every year with inflation. I have to be missing something, this sounds too good to be true. If we assume a long-term 2% inflation rate, then the total return for TIPS right now = 4.24% + 2% = 6.24%. Risk free!

Mentions:#SCHP#TIPS
r/investingSee Comment

Currently, the weighted average YTM of SCHP is 4.24%. That means with $150,000 into TIPS, I get $1000/m + some change. And that amount will keep increasing every year based on the inflation percentage. That should be enough to cover the eventual increase in my condo maintenance costs. Sure, it might not be a "real" yield of 4.24%, but who cares, right? I just need to keep paying my condo fees. If assume a long-term inflation rate of 2%, then according to the Gordon Equation, long-term expected return is: Y = current yield + growth of yield = 4.24+2 = 6.24%. 6.24% risk-free! What am I missing?

Mentions:#SCHP#TIPS
r/investingSee Comment

Assuming >0 inflation, then yes you are on point. Keep in mind that the coupon % is lower. To account, one way to do is stagger maturities… e.g. put $10k into a TIP maturing every year for the next 10 years. In theory, it is the same idea with SCHP (and similar funds.) Keep mind you are locking in a return today that is “guaranteed” if you sell over the course of the fund’s duration (in this case duration is 6.7 years.) So answer is yes if you buy fund today and sell in about 6.5 years.

Mentions:#TIP#SCHP
r/investingSee Comment

So let me get this straight. If I do not care about the market value of my TIPS bonds (because I won't sell), then my *cashflow* from the TIPS will keep increasing for the duration of the bonds, correct? (Assume >0 inflation). Even if inflation remains at 2% forever, the principle will keep increasing because even a constant rate of inflation is a positive number. In fact, even if inflation decreases to 1%, my cashflow will still increase (though the rate of increase will obviously go down). Am I understanding this correctly? Also, will a TIPS ETF like SCHP guarantee the same, constantly increasing cashflow?

Mentions:#TIPS#SCHP
r/stocksSee Comment

SCHP

Mentions:#SCHP
r/investingSee Comment

Make sure you understand how bond funds work. This is a fund of TIPS - Treasury Inflation Protected Securities - see here - [https://www.treasurydirect.gov/marketable-securities/tips/](https://www.treasurydirect.gov/marketable-securities/tips/) This fund has a weighted average maturity of 7.4 years at the moment with an average yield to maturity of 3.71% Your choice of using a fund like SCHP depends on what you are planning to do with the cash and your thesis on future interest rates.

Mentions:#TIPS#SCHP
r/investingSee Comment

>That's a 4% withdrawal rate You intend to withdraw 4% of your account per year >which is historically safe for a 30 year, inflation adjusted drawdown using US-centric stocks and bonds and that is a safeish rate to withdraw, based on the fact that retirees starting a 30 year retirement most of the time in the past century could consistently withdraw that amount. >There's no need to seek out dividend focused investments. Not sure how to make this sentence clearer. >Dividend focused portfolios do not have higher risk adjusted returns than other portfolios Risk adjusted return is (a) the amount of money you can expect to make each year from an investment, minus (b) the amount of money you could make in cash, divided by (c) the yearly variation in returns (risk). Higher risk adjusted returns is better. Lower risk adjusted return is worse. >particularly when adjusted for common factors like value and quality Value refers to stocks of companies which are priced low compared to the amount of profits the company is making. Quality refers to stocks of companies with profits that are consistent and have high margins and low debt. Stocks with high dividends are often also value stocks. Stocks with consistently rising dividends are also quality stocks. If you control for value and quality, there is no need to look at dividends. >If you are looking for a 30 year drawdown, 20-40% bonds is appropriate. If you want to withdraw 1000 a month from a 300k portfolio for 30 years before you die, then a good portfolio would be between 20 and 40% bonds (things like BNDW, SCHP) plus 80-60% stocks (things like VTI, VXUS). >For a perpetual withdrawal, you will want want 80-100% equities. If you want to withdraw 1000 a month for much longer than 30 years, the you will need to take on more risk by increasing the amount of stocks (things like VTI, VXUS), and lowering the amount of bonds (things like BNDW, SCHP). >I'm sorry, I didnt understand a thing you said this time, remember I'm a beginner to this, so I dont understand that much. https://reddit.com/r/investing/wiki/index/gettingstarted https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy >Also you didnt mention any dividend ETF Correct >and I was hoping you mention it because I ve been looking in to Peter Schiff dividend fund and others like SCHY. I see no reason to buy a fund based on dividends

r/investingSee Comment

I think this is the correct place to post this question and I'll try to include all the relevant data. First off I'm 35 and my son is almost 3. I'm putting $7000 into a Wealthfront account and plan to add $200 each month to it that can be a help to him later whether it's for college or something else. Here is the breakdown it's currently going to be invested in. I'm wondering what everyone's thoughts on the security of this is? What I'm trying to avoid is buying something super risky that I don't realize is. I did Google all of these but am not super confident the ones chosen are the correct ones. A note about my overall thoughts/strategy: I think that as the dollar loses global reserve status the US market in general won't do well. Obviously it's anyone's guess as to whether that'll happen in 1, 10, or 50 years but it's the reason so little is in straight up US stocks and some gold/foreign stocks. XLU 15% GLD 15% VTI 10% VTEB 5% SCHP 10% VEA 25% VWO 15% VIG 5%

r/stocksSee Comment

Which bond fund? AGG? TLT? BND? SCHP?

r/wallstreetbetsSee Comment

What the fuck I was searching bond volatility ETF’s and found IVOL. It’s an ETF that charges a 1.07% expense ratio and holds nothing but SCHP, an ETF with a 0.06% expense ratio ![img](emote|t5_2th52|4271)

Mentions:#IVOL#SCHP
r/investingSee Comment

SCHP will be paying a dividend of .0856/sh on April 10. This was a similar situation with other TIPs ETFs like STIP and VTIP. Be prepared for highly variable payouts. That's just how these work.

r/investingSee Comment

I just spent about 40 minutes looking this thing over. I'm not much into ETFs but I have done some income ETF investing in the past so this kind of interested me. My information comes from Schwab directly. First, this is an index ETF, so it's performance has little to do with the particular fund and is mostly based on the underlying index. So your question is more about the underlying index than about the fund itself. Second, the fund made two payments in Dec22 which it looks like together were the largest monthly payment in several years; overall the payout in '22 looks like it was the best year in quite a while by far. Third, it's not clear to me right off hand why, but a few of the other TIPS funds I found have erratic dividend payments, so this fund isn't unusual in that regard. The Vanguard fund VTIP missed three quarterly dividends in 2020 and one in each of the last two years. The ishares fund STIP did not pay in Oct/Nov 22 and has not yet paid in 23. So SCHP has been the most consistent of the three. Fourth, as to why this happens, perhaps because unlike a stocks, bonds have maturity dates. This fund is restricted to bonds at least one year from maturity, but it doesn't really matter if they mature or fall out of the fund target group, positions must be closed which could result in booking losses that would consume the bond payments. Overall, again because this is an index ETF, it's going to pay out all it can pay out. The question for you is, is a TIPS bond fund the right thing? So that requires looking at the Bloomberg TIPS index and deciding if that's what you think is the right thing.

r/investingSee Comment

SCHP has never been a consistent divended payer according to the divended payout. In 2020 the first divended was In September and in 2021 it was in April. I rather just buy Tbills then this.

Mentions:#SCHP
r/investingSee Comment

Geez. I bought SCHP two years ago and didn’t even realize it’d stopped paying dividends. So, thank you. Only thing I see is historical. Looks like they just don’t pay the first few months of the year? I don’t know. I bought it thinking, “well, stuff is super inflated out there, maybe this would be a good place to park some cash.” I’m down 12% over two years. Yeesh.

Mentions:#SCHP
r/investingSee Comment

Haven’t all of the TIP ETFs stopped paying dividends since December? I was looking at them for a while for the eye-popping yields but it seems like they all stopped paying out and there’s no mention of this anywhere. Nasdaq.com shows the last distribution for SCHP and TIP at 12/15/22 after being very regular monthly payers for a long time.

Mentions:#TIP#SCHP
r/investingSee Comment

Whatever numbers you're looking at don't account for dividend reinvestment. With re-investment 5 year return on SCHP is 84.8%

Mentions:#SCHP
r/investingSee Comment

Why not buy something with one third the expense ratio? VTIP (Vanguard ST Inflation-Protected Securities ETF) and SCHP (Schwab US TIPS ETF) at .03%?

r/stocksSee Comment

The market aspect seems too risky, unless its your own treasury where if it goes south you can just hold until maturity and not like an ETF or mixed product. ​ Be careful about buying ETFs, I'm always pro-ETFs but these bond and TIPS ETFs make no sense to me. Look at SCHP, it's down 18.5% from ATH and at a 12 yr low! BND is at a 13+ yr low and its got a yield of only 2% and down 20%! ​ Not sure what rates ppl are using to justify these funds.

r/investingSee Comment

I-bonds were quite nice about a year ago because they have a 6 month lag in yield, so when inflation was highest, you could lock that in for six months even after the inflation had already occurred; plus they have a 0% fixed rate floor which was nice when TIPS had negative real yields. Now new Ibonds have a real yield of .4% which is lower than TIPS, so I wouldn't bother with them. T-bills are probably good if you want to use the money soon. If you just want to have some percentage of your portfolio in bonds, then maybe BNDW+SCHP or some other bond fund.

r/investingSee Comment

You can buy bonds through most major brokers or through Treasury Direct. You can also buy a portfolio of bonds through a fund. T-bills (1yr and under) have pretty high yield currently, around 5%. The curve is inverted, meaning longer term bonds have lower yield than shorter ones, because participants expect inflation and rates to fall in the future. Longer term bonds are more sensitive to changes in yield (bond prices are inversely related to their yields), and they are not good to have if you are worried about unexpectedly high inflation. If that is your main concern, use short term bills with under a year to maturity, or you can buy inflation-linked bonds called TIPS or a TIPS fund like SCHP. There's also non-marketable series I savings bonds which you can buy through treasury direct. If we are pushed into a minor recession, it is likely inflation and rates would fall, which would be good for longer term nominal bonds and bad for corporate bonds with lower credit ratings.

Mentions:#TIPS#SCHP
r/investingSee Comment

What is your goal in adding bonds? The boglehead bond equivalents of VXUS and VT are BNDX and BNDW (the US version is BND). SCHP for TIPS. VGLT or EDV if you want long duration. BSV if you want short duration.

r/investingSee Comment

VTI holds US stocks, so BND which holds US treasurys, agency mortgages, and investment grade corporate bonds over 1 year to maturity, would be the equivalent for bonds. Shorter term government bonds will be close to cash, meaning very little term premium or credit premium, and good if you want to hold something safe and don't really want bonds. If you want diversification in the modern portfolio sense, you would need to go longer duration. BND is intermediate. VGIT is also intermediate, only holding treasurys. BNDW holds both US and non US bonds (hedged to USD so no foreign currency risk). None of those hold inflation linked bonds, so you could use SCHP for that. Long term bonds like VGLT will be particularly volatile. For example, last year VGLT lost a whopping 29%, probably the worst calendar year for bonds. But now yields are much higher (equivalent to their prices falling) and inflation seems to be cooling, so it's likely they will do better in the future. But inflation is the biggest weakness for bonds and if inflation runs hot again, they will probably do poorly again.

r/stocksSee Comment

Yes, the 30 day SEC yield for SCHP is 4.34%

Mentions:#SCHP
r/stocksSee Comment

if inflation becomes persistant, and be with us for the next 2-3 or more years, a TIPS bond ETF can be a great choise like $SCHP yield 6-8% right now

Mentions:#TIPS#SCHP
r/investingSee Comment

Your 401k should have some bond funds among its standard options. The category might say "bonds" or "fixed income". Bonds don't quite yield 6% right now unless you go into lower credit ratings. Series I Savings Bonds are not marketable and you won't be able to get them in your 401k, only through a TreasuryDirect account. You can buy inflation-linked bonds called TIPS in your brokeragelink though. Either individually or through a fund like SCHP.

Mentions:#TIPS#SCHP
r/investingSee Comment

My taxable is SPLG, SCHD, ITOT, & SCHP.

r/investingSee Comment

Put it in a taxable and buy SCHP.

Mentions:#SCHP
r/investingSee Comment

Bond funds/ETFs no more than I already hold (SCHP and SPHY about $80k). As 1 year CDs hit 4%, I started buying monthly CDs in addition to continuing to buy underweight positions (e.g. I'll likely add 5 more shares of MS and 20 of CAT as cash is available).

Mentions:#SCHP#SPHY#MS
r/wallstreetbetsSee Comment

So can someone tell me why SCHP is down so much too then?

Mentions:#SCHP
r/investingSee Comment

I bought SCHP last year thinking higher than expected inflation would make it go up… inflation was higher than expected but SCHP is down 20% since then. I don’t get it either.

Mentions:#SCHP
r/investingSee Comment

If you want a low volatility high income strategy, there’s passive funds and super low expense ratios that do so. In the US a popular choice is SCHP which tracks the Dow Jones Dividend 100.

Mentions:#SCHP
r/stocksSee Comment

I've been buying a bunch of different flavors: SCHP (monthly divs @ 6.91%), VTIP (quarterly @ 6.09%), SPIP (monthly @ 7.79%), TIPX (monthly @ 7.01%). I hedge price drops by selling ATM calls a few months out and roll it when needed. It works better with the monthly versions since it will generally net a profit if they get assigned after a couple of div payouts.

r/stocksSee Comment

SCHP. solid dividends. Prices are not too drastic of a change. Not too volatile. 2% change in the last 5 years. Fairly cheap for what the returns are.

Mentions:#SCHP
r/investingSee Comment

A slightly better list: SCHB - Total US 70% SCHF - Total Developed world 20% SCHP - Total US-Bond TIPs 10%

r/stocksSee Comment

70% SCHP, 30% NDX call

Mentions:#SCHP
r/investingSee Comment

Last year SCHP did great when inflation was roughly 7%. This year it did worse than STIP. I'd still lean towards SCHP, but if stability is more important than STIP is a good choices.

Mentions:#SCHP#STIP
r/investingSee Comment

TIP and SCHP have almost identical portfolios and performance https://stockcharts.com/freecharts/perf.php?TIP,SCHP&p=4. STIP is shorter duration so less volatility and less returns on average.

r/investingSee Comment

so it’s not a bad idea park into SCHP rn right since stock return is negative

Mentions:#SCHP
r/investingSee Comment

I know. I haven't looked into why SCHP dropped so much more than other TIPS etfs YTD. However, the fund has had greater highs too.

Mentions:#SCHP#TIPS
r/investingSee Comment

SCHP has the best performance, but has more volitility.

Mentions:#SCHP
r/investingSee Comment

im trying to pick between TIP, STIP and SCHP. Any advice?

r/investingSee Comment

Some of the bond ETFs though issue monthly dividends. SCHP is one example

Mentions:#SCHP
r/wallstreetbetsSee Comment

Why don’t you put it all into junk bonds like SPHY or inflation protected securities SCHP (yields of 7.89% and 12.52%)and gamble with the approximately 16k-25k a year you’ll get in yields? That way you not only keep your stash relatively safe, but you get to gamble too?

Mentions:#SPHY#SCHP
r/wallstreetbetsSee Comment

Short term bonds BSV yields 3.25%…..Im thinking SCHP cause the inflation yield is an astonishing 12% right now

Mentions:#BSV#SCHP
r/wallstreetbetsSee Comment

300k in SPY. 200k in VT. 100k in SPYD. 100k in VB or VTWG. 50k BND. 50k in VTIP or SCHP. 200k for down payment on a property (or a rental if you’re still living with your dad).

r/investingSee Comment

Series I Savings bonds work like the ones you had for your grandparents. You redeem them at face value. You must hold for 1 year minimum and if redeemed before 5 years, you lose 3 months interest. They are inflation adjusted like TIPS; they have a fixed rate (currently 0%) that is locked in as long as you hold the bond plus a variable rate that changes every six months based on inflation. Most bonds work differently. They cannot be redeemed at face value. They mature on a particular date or you can sell them on the market before then, but the price may be higher or lower than face value. For example if you buy a zero coupon, ten year bond at a yield of 2%, the price would be 100/1.02^10 = 82.03. If yields then rise to 3%, your bond would need to fall in price to 100/1.03^10 = 74.41 to deliver a higher yield to prospective buyers. A bond ETF will hold a portfolio of bonds on your behalf and most will continually sell bonds that are close to maturity to buy new bonds. I-bonds must be purchased through Treasury Direct, not your broker, are linked to your SSN, are not marketable, and will not be included in any ETF. However TIPS are inflation-linked marketable treasury bonds that could be in an ETF. For example, SCHP holds TIPS. There are a few benefits to I-bonds. One is that they never lower the fixed rate below zero, so during times like last year when TIPS real yields were negative, they explicitly offer an above-market yield. Another is that you redeem them at face value, so unlike most bonds which can lose value before maturity if yields rise, I-bonds won't. They are also tax-deferred. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds.htm https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ifaq.htm

Mentions:#TIPS#SCHP
r/stocksSee Comment

I agree with most of the recommendations. Stick with ETFs first. I loaded up on NOBL. Which is basically a fund that picks the top few stocks that pay out good dividends and are fairly stable in prices. SCHP is also a good one. Mostly treasury bonds. But have a nice monthly dividend pay outs. What you need is to start building a fairly stable portfolio that you can earn passive income on. At 16, I would definitely try to pick some ETFs that pay monthly dividends. Reinvest those returns in to the same find and let it compound over years. You should have some nice earnings by the time you’re 21. I wish I knew all this stuff when I was 16. All I cared about back then was cars and girls. 🤣 didn’t even get in to trading until I was in my mid 30s. You have all the knowledge in the world on your phone. Use it! Learn financially literacy. How taxes work. How to file taxes without the IRS robbing you. Those will be a few of the things I’m teaching my daughter when she’s old enough. Good luck! I’m glad that younger people are learning these things. Gives me hope for my daughter.

Mentions:#NOBL#SCHP
r/investingSee Comment

Bonds: Low expense ratios, and do they beat inflation most years. 2021 & 2022 are statistical outliers for inflation. Usually SCHP has been the best of the bunch. Mutual fund: If they are index mutual funds, I look for low expense ratios and solid performance when compared to their peers. For actively managed mutual funds, I avoid them due to significantly higher expense ratio.

Mentions:#SCHP
r/stocksSee Comment

I split mine between NOBL and SCHP NOBL basically picks the top highest dividend paying stocks as their holdings. SCHP is Schwab’s treasury notes fund. Both pay pretty good dividends. Monthly. Not quarterly. I picked those 2 because the price has been pretty stable the last few years. Look for how much they dropped in March 2020. If it tanked pretty bad, I’d stay away. Both of those didn’t do too bad and didn’t do that great either but the prices stayed pretty flat. So, those were my reasoning. Re-invest the dividends in the same fund. Let those compound and get a nice chunk of $$ for your kids or your retirement. Good luck!

Mentions:#NOBL#SCHP
r/investingSee Comment

Ah. Nominal bonds are anticorrelated to inflation, so probably not the best choice for that purpose. IEI had a 9% drawdown this year due to spiking inflation. Cash / cash equivalents would be better for unexpectedly high inflation, counterintuitively. TIPS would also be decent for that. SCHP holds TIPS but you probably want shorter duration TIPS for lower volatility, like STIP or VTIP.

r/investingSee Comment

The 5-year inflation breakeven rate is the market yield of a 5-year treasury note minus the real-yield of a 5-year TIPS. The difference is considered* the market's expectation of the average CPI inflation rate over the next five years since if inflation averages that amount, the nominal note and TIPS would return the same amount. SCHP is the cheapest broad TIPS fund I think (has a average maturity of 8 years, eff duration 7.5 yrs), while VTIP holds shorter term, 5 years and under TIPS. Or you could buy actual TIPS directly. - ^(*but there are also other effects that go into it, like nominal treasuries are typically more liquid and may have a lower/negative beta to risky stocks, which would justify a lower breakeven rate than actual expected inflation; alternatively if inflation risk is high and demands a large premium, it could go the other way and breakeven rate would be higher than actual expectations)

r/investingSee Comment

3 choices really in the bearish stock market. 1) High interest savings with Wealthfront. Currently 1.4%. 2) Inflation adjusted bonds ETF. SCHP is a good choice. 3) Covered call income ETFs. QYLD, RYLD, or JEPI. They all pay monthly. The annual income ranges from 8% to 11.96% of money invested. Keep in mind they also come with high expense ratios of 0.35% to 0.60%.

r/investingSee Comment

If you plan on holding for more than 5 years, lump sum by mid September. The stock market usually dips in September. This is assuming you and your partner have maxed out your IRAs. If the plan is to hold for less than 5 years, maybe TIPs (SCHP) or a good banking CDs.

Mentions:#SCHP
r/investingSee Comment

High yield [SCHP.](https://finance.yahoo.com/quote/SCHP?p=SCHP&.tsrc=fin-srch)

Mentions:#SCHP
r/stocksSee Comment

Buy TIPS!!!! Treasury Income Protected Securities. TIPS Protect yourself from inflation. SCHP is at a good price now. High distribution and yield 5.81%. SEC 30 day yield is 15.31%. I own 420 shares and I am getting $256.04 a month now (it was $161.41 last month).

Mentions:#TIPS#SCHP
r/wallstreetbetsSee Comment

SCHP

Mentions:#SCHP
r/investingSee Comment

VTIP and SCHP track different things. VTIP holds short term TIPS.

r/investingSee Comment

1) VTIP isn't even the best at what it does. SCHP is the best in the market for TIPS. 2) Utility sector is the best hedge in stagflation. Look into etfs XLU or FUTY (cheap version).

r/investingSee Comment

Bingo. I own SCHP, and the div is 6.22%.

Mentions:#SCHP
r/investingSee Comment

I'm in a similar position with an IRA recently rolled from an old-school firm to my discount brokerage. I put it to work right away: sold some puts for VTI with strike prices near the recent low, these expire in 20 days unless VTI dips back down to $195, at which point I'll have to find something else to do with those funds. I also bought some C and MPW. A bunch of it is now in SCHP and VCSH still, hoping to just beat inflation with that until more buy opportunities come up. I know for sure I didn't want that big chunk of change that had been invested just staying in cash for any length of time with inflation like it is.

r/investingSee Comment

ETFs for short-term returns. TIPs or monthly paying dividend ETFs. Below are 2 good choices: - SCHP - SPHD (Monthly paying dividends).

Mentions:#SCHP#SPHD
r/stocksSee Comment

I am 1% TIPS. I bought SCHP.

Mentions:#TIPS#SCHP
r/investingSee Comment

VFINX (or SWPPX if you have a Schwab account), VUSTX (or SCHQ) long term treasuries, VGSH (SCHO), SCHP.

r/investingSee Comment

There are lots of target date funds so you'd have to do research on each one to compare the portfolio, the portfolio risk, the expense ratios, etc. I would probably do that with the help of a financial advisor... But if you're uncomfortable with that (fee-based, rather than commission-based, advisors are the way to go), then I would stick to VOO and maybe a bond fund, e.g. DODLX, SCHO or SCHP... and sit on it.

r/investingSee Comment

I bought some SCHP. It is an ETF (US Treasury Income Inflation linked bond index…otherwise known as Treasury Inflation Protected Securities (TIPS).

Mentions:#SCHP#TIPS
r/optionsSee Comment

That's a terrible way to park money. Credit trades shouldn't go out longer than 60 days, for starters. "Park money" and "grow but not actively trade" are contradictions. You can't do both. Are you risking a loss or not? If you are not, put it in a money market fund. If you are, put it in broad equity index fund shares (not derivatives), like SPY or VTI or VT. If you don't want to be 100% exposed to market risk but you still want some risk, do a 50/50 split between equity shares (like SPY) and a TIPS fund, like SCHP. Or 50/50 equity/cash if you hate the idea of buying any bonds now. You don't have to buy 100 shares. If you want to get every penny invested, use a fractional share broker, like Fidelity, Schwab or M1.

r/investingSee Comment

I thought bonds were safer too. I made the mistake of buying corporate and municipal bonds. Both are way down. SCHP is a good buy right now.

Mentions:#SCHP
r/StockMarketSee Comment

Thanks. Fid is going to email me a questionnaire to set up an apt with a FA. It might take a few shots to find the right fit. What are your thoughts int rates? Did you put any money in a bond fund like (SCHP)

Mentions:#FA#SCHP
r/StockMarketSee Comment

I just interviewed Fid as I already have over $700k there and no advisor assigned to me. Did I miss that when I opened my account? After getting off the call, 20 mins ago, the "free advice I would say is very generic 60/40. Hand holding and tax harvesting is not free from what I could tell. Hard to get a straight answer. So far I haven't found any Financial Advisor worthy. Maybe one needs over $5mill. If buying Vanguard funds with my Fidelity account does not cost anymore, I can stay where I am at and DCA into the 7 ETF's I selected: Such as, VTI, VOO, VIOV, VEA, VWO, VT, FUTY and SCHP and AVUV.

r/investingSee Comment

As a self employed individual, you should be able to open a Solo-401(k) or SEP IRA for more tax advantaged space. I am not super familiar with the process or if there's any fees or gotchas to watch out for. If you're looking for a one and done fund to save for early retirement, NTSX may work. It's fairly high risk, only a little bit less than a 100% stock fund, but it has some bond exposure overlaid using futures as well so it benefits more from diversification than a typical 100% stock fund. Bonds have done pretty terribly over the last year and I can't say they will do any better next year but I can say they have less dismal yield now than a year ago. If you're looking for something that won't drop at all in value as a replacement for your bank account, there aren't too many options. I-Bonds as FinancialHistorian75 mentioned are the best deal right now for 10k if you are willing to lock the money up for a year and willing to deal with TreasuryDirect.gov (they made me get a medallion signature from my bank when I opened an account). The Fed just started raising rates above zero so your bank account should have at least 0.25% interest now and rise 0.50% more after May. If not, they will likely keep lagging behind competitors and you should shop around for one that does (I see a few with 0.5% currently like GS Marcus and Ally). A money market fund in a brokerage account would be similar. If you're okay with a little volatility, short term bond funds are the next up on the risk scale. Like BSV, JPST, STOT. Then intermediate term bond funds like BNDW and maybe mix in inflation linked bonds like SCHP. Then a portfolio of stocks and bonds, with more bonds and TIPS being more conservative and more stocks being more risky. Broad stock market indices fell a little over 50% in the 2008 financial crisis, 2000 dot com crash, and the '70s stagflation period in real terms so that's what I use a rough gauge of what to expect from stocks. Keep in mind that some individual sectors and smaller country markets lost much more, and individual stocks can go to zero, which is why diversification is important. https://www.bogleheads.org/wiki/Getting_started

r/stocksSee Comment

depends on how long you mean by short term. less than a year? just cash. otherwise SCHO is not a bad one, or SCHP for TIPS bonds

r/stocksSee Comment

I bought some SCHP today as an inflation hedge.

Mentions:#SCHP
r/stocksSee Comment

You're welcome! I'll check back later as I've got to finish a job but one, out of many examples, of an ETF portfolio that might suit your need: * DGRO - Dividend Growth with at least 5 years of growing dividends, some exposure to small caps * VIG / VIGI - Similar to DGRO but with companies that have managed to grow dividends over the last ten years. VIGI is the international version. * VNQ / VNQI - REIT ETFs. REITs generally speaking have low correlation to the market and might be a sensible position to establish * SCHP - 8 year duration Bond TIPS ETF You might notice the emphasis on dividends and that's because companies that focus on paying and growing their dividends over a long period of time are successful companies, that also beat the market in general. As you want your money back in 8 years or so, going full "growth" (eye roll) could be a risk if the market downturns at that time. A bond ETF is better than your classic bond ladder, as it's instantly diversified and the duration is constant. You might get more return out of building your own bond ladder but that's a lot more effort, I think. Never tried...might be fun to do so one day! Certainly do your own due diligence though.

r/investingSee Comment

Unlike Series I savings bonds, TIPS are not inherently advantageous during periods of high inflation. TIPS are marketable securities like other bonds, and carry the same risks. If you believe inflation will be *unexpectedly* high, it makes sense to buy TIPS bonds. If you believe inflation will be unexpectedly low, it makes sense to take a short position. And because they're traded on the secondary market, you don't need to buy them individually. You can hold them more easily through a fund. There are many funds: [DFIP](https://us.dimensional.com/etfs/dfip/inflation-protected-securities-etf) / [FIPDX](https://fundresearch.fidelity.com/mutual-funds/summary/31635T104) / [VTIP](https://investor.vanguard.com/investment-products/etfs/profile/vtip) / [VIPSX](https://investor.vanguard.com/investment-products/mutual-funds/profile/vipsx) / [STIP](https://www.ishares.com/us/products/239450/ishares-05-year-tips-bond-etf) / [TIP](https://www.ishares.com/us/products/239467/ishares-tips-bond-etf) / [SPIP](https://www.ssga.com/us/en/individual/etfs/funds/spdr-portfolio-tips-etf-spip) / [SCHP](https://www.schwabassetmanagement.com/products/schp) / [PBTP](https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Investor&ticker=PBTP). Some focus on short-term TIPS.

r/investingSee Comment

I also think there's a good chance for the market to be higher this time next year, but there's no way to know. It could fall much more or it could snap back past all time highs or it could wander up and down. Vanguard's 40/60 allocation fund VSCGX has had an 8.4% decline so far (https://stockcharts.com/freecharts/perf.php?VSCGX,VSMGX,SPY,AGG,EFA,EEM,SCHP&p=4) so your performance is in line with that. In the 2008 crash, it had a 33% drawdown, so I think you need to be prepared for that possibility. You are correct that your bond allocation has not offset much volatility from your stocks recently; both are down. I do not have much advice Nothing you do now can make you back the 7% you lost.

r/stocksSee Comment

50% TIP etf (SCHP) 50% S&P 500 Etf (VOO)

Mentions:#TIP#SCHP#VOO
r/investingSee Comment

Right now with high inflation and negative real yields on marketable bonds, Series I savings bonds are pretty good. In general high quality bonds are good, like BND, especially treasurys which have even lower correlation to stocks, like TLT. For inflationary market drops, which are uncommon, you can add TIPS like SCHP. There is also a broad category of liquid alts, but they usually have high fees and many are more correlated to stocks than portrayed.

r/stocksSee Comment

25% lower return over 7 years. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2022&lastMonth=12&calendarAligned=true&includeYTD=true&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=FBND&allocation1_1=100&symbol2=CASHX&allocation2_2=100&symbol3=SCHP&allocation3_3=100

Mentions:#FBND#SCHP
r/wallstreetbetsSee Comment

if you believe inflation is going to persist then federal treasure bonds which are inflation adjusted. They always pay more than inflation eg STIP SCHP etc

Mentions:#STIP#SCHP
r/investingSee Comment

can someone explain to me as you would to a 5 years old, why is SCHP which is big ETF holding US treasury inflation indexed bonds (SCHWAB STRATEGIC TR US TIPS ETF) going down when inflation is up at 7.5% admitted (and perhaps 15-20% real)? I loaded into it as an alternative to HYSA last fall and it makes very sour outcome at -5%, not even 0.

Mentions:#SCHP#TR#TIPS
r/wallstreetbetsSee Comment

I know he is joking but STIP and SCHP are good inflation adjusted bonds

Mentions:#STIP#SCHP

Haha God I wish I had the time to dive into this market and do some actual research again. I sat on a long position in SCHP for a bit for the yield, retirement accounts are all in boring shit.

Mentions:#SCHP