SPHD
Invesco S&P 500® High Dividend Low Volatility ETF
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The Ultimate Affordable Dividend and Growth Set
Are corporate profits anomalously high, and will it last? Or revert?
For a retiree seeking passive income long term who is currently considering T-bills, is it better instead to buy Dividend ETFs?
What else should I add to my portfolio if I only own Index funds?
Advice on primarily dividend based investment strategy
Feedback on portfolio risk hedging where investments supply all income
Over Income Limit for Roth IRA - Looking for ways to grow
The story of a 19/20yr old learning (in my opinion) on of the most valuable lesson you can learn on the stock market…
Advice on investing strategies, is it better to use ETFs or individual stocks?
Mentions
My cucked SPHD position has been cooking lmao
Take a look $SPHD which is an index fund for high dividend stocks which includes $MO. 4.65% dividend yield. But your risk is spread out between all its holdings.
JEPI might be a good investment choice for him. High yield and low volatility. It won’t help with long term growth, but aggressive investing in his 60s could make you both uncomfortable. There are some low volatility equity ETFs out there that might interest you like SPLV, USMV, VFMV, but all of them still had significant drawdowns in 2020 and 2022 like everything else. Another option might be defensive ETFs, but don’t expect S&P level performance: XLU, VDC, XLV, SPHD. I sympathize, my father never invested in the market either. He had a good run living off his own parents until they died and he inherited a fortune in assets, but given his nature he blew thru millions in only a few short years. Now any bills not covered by social security fall to my sister or me. 😡
Today was decent. I bought two puts on SLV near the beginning of the day, waited until it dumped around 2, waited tor the rebound and proceeded to flip them into calls, and put the profit into another SPHD share. Still sitting on my 2028 long puts, but depending on how tomorrow plays out, I'll either sell the calls and roll upwards, or I'll sell an ATM wednesday CSP.
More of a SPHD guy myself but thanks for sharing
I'm a bit older than you are, but still pretty aggressively investing. My portfolio looks like this: 40% QQQ (Invesco QQQ Trust, Nasdaq-100) 20% XAR (SPDR S&P Aerospace & Defense ETF) 15% GLDM (SPDR Gold MiniShares Trust) 15% SMH (VanEck Semiconductor ETF) 10% SPHD (Invesco S&P 500 High Dividend Low Volatility ETF) The GLDM and SPHD are hedges against a big downturn. The rest is pretty self explanatory. The reason I went QQQ vs VOO is that the potential upside outweighs the safety of VOO. This portfolio has returned over 19% for me this year so far. With 400k you could even do 25% QQQ and 15% VOO, but you're young and have 30 years to invest.
I've been an investor for 10 years. It's been a rollercoaster ride: 2018 especially in December, 2020 Pandemic, 2022 Russian invasion of Ukraine and fear of recession. Believe it or not, this situation will pass. It's the price investors pay. My advice, keep your investment strategy simple. The majority of my holdings are in the Vanguard Growth and a dividend paying ETF (like SPHD). I'm Canadian so my dividend paying ETF is the VDY.TO. When you make a 10% profit, take the profit and put it in treasuries and wait for a market correction. I have 4 years of living expenses in treasuries. Reduce your monthly burn rate as much as possible. Know the S&P seasonality and your technical analysis. Know how to use margin and when not to. I could go on but I won't. Stay strong.
Some say cash. I say JEPI, JEPQ, SPHD, SCHD. Get those monthly dividend payments
Like you, in my 50s now. We both need to have some growth in our portfolios. Odds are good that we live into our 80s and perhaps 90. We have to plan for that long a lifespan. There are balanced mutual funds and ETFs that carry stocks and bonds, Have you looked at those as an option? Vanguard has some target date ETFs that do the same. We can choose which target date ETF we want. Something like VTTHX has a 2/3 to 1/3 stock to bond mix. VTTVX is about 50-50, stocks to bonds. The drawback with target date ETFs are how often they pay dividends and capital gains: once a year in December. If looking for more frequent income, you'll need other sources. Both the two mentioned are considered by Morningstar to have moderate risk. Treasury bonds and bills are always an option and are ultra safe. They will have issues if/when rates go down. SGOV, a popular ETF, paid very, very little when interest rates were 2% or less. That's not a concern for 2025, but will if the US enters a recession and/or the Fed is forced to cut rates. I'm more or less sitting on my current mix of these ETFs: SCHD, DGRO, SPHD, VOO I have individual stocks to juice my dividend income like Realty Income, VICI, BNS and a few others. Most are pretty blue chip with a history of returns. I hold some bonds via ETFs and muni bonds too. That mix is slowly changing to have more bonds and income generators, but not radically so.
Who cares about interest rates.? Buy a $350K property in cash, turn it into an AirBnB/vacation rental (use $50K to do that) or a long-term rental, and dump the remaining $100K into an ETF fund. ETFs are less risky than purchasing 1 stock, as they are a basket of companies. By definition, ETFs are diversified. Top 10 dividend paying ETFs according to GROK: SCHD VIG DGRO FDVV DLN SPHD VYN DVY JEPI FDV
Hmm, when the time is right, I would put have in SPHD. The other half I would use to buy SPY and sell COVERED calls against the shares I own. That’d give you a mix of risk exposure and regular income. However, right now I’d probably be holding a mix of cash, SPY, and some foreign market ETFs, or I’d be sitting like 50% in cash
For those looking for safer shits SPYD and SPHD been doing pretty well. Calls 
Ready to dip buy some more VTI and SPHD in my Roth in top of my normal DCAs, but I want to see more blood and capitulation first. As of this morning based on what we’re looking at, S&P is only down 7.5% from highs.
Check out Joseph Carlson on YouTube, he offers superb insights 👍🏼 I’m personally only investing about 15-20% of my portfolio into the S&P and have about 70% distributed in 20 or so different individual stock positions. I’ve actually been thinking about buying more of the S&P myself actually, so definitely access your risk tolerance and maybe give yourself a % of your current portfolio to allocate to other funds and some individual stocks too. IBIT is a good fund to diversify into as well so that you can give your portfolio some crypto exposure. SPHD if you want something more income heavy with dividends. Good luck 👍🏼
SPHD is interesting. I'm in BTAL which may function similarly. 0.25 today is amazing, I'm down 1.1 today and already consider that a win compared to SPY/QQQ.
I have the habit of comparing my static positions to vti or sometimes vt. I'm down today 0.25 so I don't really feel like I can complain. That makes me up 3.70 ytd. I started changing my holdings a bit after Trump won the election and made more drastic changes after inauguration. I'm extremely glad I did because otherwise I'd be negative. I significantly reduced my tech exposure and went more defensive. For example, SPHD is up 5% ytd. My TLT is over 5% and IEF 3%.
My SPHD is up big the last week. There are great names and ETFs to be in now
SPY and VOO are the same thing. Get rid of SPY and keep VOO, because the expense ratio is lower. QQQ and VUG are the same thing, get rid of one of those. Having these in your portfolio gives you a growth tilt. If you want that you should understand why and have a good idea of what percentage you want to tilt. VT is a fund that is basically 60% VOO and 40% VEU. So what you could do is get rid of VT and just have VEU, or get rid of VEU and VOO and just have VT. If you want your US and international to be a 60/40 split get VT. If you want to have a different split get VEU in whatever percentage you'd like for international and get rid of VT. Dividends don't matter. So if you have SPHD for the dividends I'd say just get rid of it. If you have SPHD because you want to lower volatility, get some bonds instead. Or even a REIT potentially. If you have SPHD because you like the sector diversity (more industrials, less tech) just have less QQQ/VUG because these have even more tech and less industrials than VOO so getting rid of them would essentially do the same thing.
SPY, VOO --->Swppx way lower in expenses. SCHD outperforms SPHD in both the short term and the long run.
I only have about $300 invested right now but I want to start contributing 15% of my paycheck to index funds and I want a better strategy of how to do so. I threw money at a bunch of index funds and etfs, many of which do effectively the same thing and I was hoping for some guidance on if I put them in the right places and which ones I should sell and reallocate to other stocks. Here are the index funds I have stock in: 1. SPY 2. SPHD 3. VEU 4. VOO 5. QQQ 6. VT 7. VUG
IDVO is international. DIVG/SPHD are heavy in sectors that could be considered defensive (SPHD more so). Those sectors did the best during the last big crisis (utilities, staples, etc...). It looks to me like some money is moving out of the US and in the US some is rotating into a defensive position. I get the impression that big money sees a turbulent year ahead for US stocks.
A few ETFs tell part of the story for what's happening. Over the past week QQQ is down almost 5%. Meanwhile, SPHD is up over 2% and TLT is up almost 4%.
Just started investing for the first time and I would like opinions on my starting point. VOO 30% SCHD 20% RSP 15% SPHD 10% VUG 10% XLV 5% BND 10% Any and all opinion appreciated.
Ive mostly been looking at VTI/SCHG with maybe a little bit of SPHD. I have also been looking at dividend focused funds like SCHD and JEPI/Q
it depends. we can look at some ETFs and their yields to get a sense of it. if he had it all in QQQ which hovers around 1% that would mean 14 million if he had it in VOO or VIG which hover around 2% that would be 7 million If he had it in VYM or SCHD which hover around 3.5% that would be 4 million SPHD at 4.5% makes for about 3 million JEPI at 7% makes for 2 million
Excellent, and now even after taxes you'll have at least 1 million Let me suggest this: - JEPQ & JEPI - https://am.jpmorgan.com/us/en/asset-management/adv/funds/active-etfs-jepi-jepq/ ___________________ ___________________ - SPHD - Invesco S&P 500 High Dividend Low Volatility ETF - https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Investor&ticker=SPHD ___________________ ___________________ - SPYD - SPRD Portfolio S&P 500 High Dividend ETF - https://www.ssga.com/us/en/intermediary/etfs/spdr-portfolio-sp-500-high-dividend-etf-spyd ___________________ ___________________ - VTSAX - Vanguard Total Stock Market Index Fund Admiral Shares - https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax
Hey, so I know my portfolio is messy and super diversified, but I’m just curious if people think I have good positions. Any advice and criticism is welcome. 6 shares in NVDA .3 in SPY 50 in RITM 6 in T 5 SPHD 1 SIEGY 5 PFE 3 KO 2 O And then some smaller positions that I got for free
https://www.etfcentral.com/compare-etfs/JEPQ-vs-FEPI https://www.etfcentral.com/compare-etfs/SCHD-vs-SPHD Both JEPQ and FEPI are active eft but fepi is smaller in volume and aum. However, fepi has higher return. SCHD has smaller er and cheaper in share price with similar return rate.
I’m working on getting everything together to start investing. I already have some stock in Yum that I had as a gift from when I was a kid (back when it was like a dollar) and Yum China (as a result of their split, they gifted it since I was a shareholder for x number of years). I have some money in a 401k for a brief time at a previous job. I’m about 37 and was planning on selling Yum China and using what I had in the 401k to start an IRA account and build from there. My current plan was to put a large percent into SCHD and SPHD, and maybe a small bit in a high yield dividend etf like JEPQ or FEPI. Does this sound reasonable or is it sorta all over the place?
Have to start somewhere. I suggest using something like Robinhood and auto invest on a regular basis. I do this - $5 day - with SCHD, HDV, SPHD. Over 20 years, I’ll have a healthy portfolio. I ran each through Monte Carlo simulations and my results look pretty good! At 20 years, HDV gets $100k At 20 years, SCHD gets $125k At 20 years, SPHD gets 95k Note amounts are mid-point of Monte Carlo. These are pre-tax amounts with historical inflation used. I can only run monthly contributions not daily. Some of us have limited incomes for various reasons. We do the best we can.
SPY \ VOO \ SPHD I've been raw dogging my investments just buying individual shares for my first 20 years and probably bought my first ETF 15ish years ago. My biggest gainer was also my biggest loser. Bought a cancer stock at $2 watched it go up to $45 held it back to $2 and finally got a buy out at $31ish. Held that stock for 30 years.
HYSA would be a very suboptimal move for him at 25. The most conservative he should consider being is a high dividend ETF like SPHD. More likely VTI or VOO.
I like AVGE, RDIV, SCHD and SPHD. They seem pretty solid with some dividends. Also been liking GGN. Nice gold dividends etf and PAAS for silver/gold. That 6 of my favorite solid gainers.
VFTAX, DSI and SHE do not invest in tobacco or weapons (limited on oil) and have all been essentially tracking SPY/QQQ and probably doing a little better than SPHD.
I was gonna say if you own SPHD or other high divs you own it anyways.. that how I got over it 😂🤷♂️
Do you buy SPHD or other high dividend ETFs? Then you own Altria and Philip Morris. Get over it 🤷♂️
20k Roth VOO. That’ll be about 1,400,000$ at 65. Without doing anything. Leave it and forget it. Then invest the other 7 other stuff. Even VOO/VTI/SPHD, if you don’t want to spend time trading. Add to that over time. You can always pull your 20k back out of your Roth.
I have held both before. Nothing wrong with that. And they don't have much overlap, so you really could hold a lot of each. I like SCHD because it has more growth potential, almost as high a dividend, and lower expense ratio. SPHD I don't like as much. A bunch of the largest positions are slightly crappy stocks I wouldn't want to own. The "low volatility" part is almost meaningless. It is just the highest yielding stocks from the S&P. Maybe a few highly volatile stocks don't make the cut, but if those keep paying out high yield they don't stay in the top 500 index long anyway. I think SCHD has better methodology. For me personally I prefer it. They are both still pretty good.
SPHD in Roth IRA and SCHD in everything else
80% VOO 10% SPHD 10% VTI. That’s my long term plan for 1M. I average about 10% between the 3.
can you grok this: https://totalrealreturns.com/s/SPHD,SCHD
My only note on this is my 2 "high divedend" stocks (VYM, SPHD) have been less volatile lately since these 2 dont have as much Nvdia/chip companies as some others. Just what I noticed recently. But I reinvest dividends to just have more, and I like the idea of actively gaining money to reinvest versus waiting for something to go higher. But I also know nothing compared to others on here
SCHD is S&P 500 equity. SPHD is high dividend low volatility and that would also fit the bill. I don’t know what’s on Trading 212 but maybe those names help?
The SPHD ETF has monthly dividends, it can help you reinvest. If you want to do something a little crazy buy a pre-sale from popofrog
SCHD and SPHD. Gimme them low volatility dividend etfs.
SCHG, JEPI, BKLN, MO, PPA, CLOA, QQQX, NVDA, SPHD and ARCC are my biggest holdings but only like 3 months deep.
Got an etf for you! SPHD has gambling and tobacco as core holdings!
Invest in SPHD and schd little by little every month
VYM- high dividend ETF. Can also do SPHD if you want monthly dividends. VUG- Very heavy towards tech/high growth VXUS- international stocks BND- for bonds
SPHD is my favorite for dividends. Super consistent, low volatility, it's basically my hedge against my more regarded plays
SPHD. Buy 100 quality stocks at once.
Bro should have bought something like SPHD and collected dividends.
If you’re looking for dividend stocks, SPHD, SCHD, JEPI and JEPQ may be sufficient for you. OP is 25 years old and dividend stocks are going to show up as income for him which is taxable like normal income. He’d benefit from stock appreciation which is taxed at a lower rate when he eventually sells
Dude, I have Amazon, Google, VTI, VOO, SPHD, Tesla, CIBr QQQ and VTi. So, yes, I made over $100k profit. Especially since I invested in 2020 and 2021 and 2022 when when the market was down a lot
I hide out in SPHD Speculating $60 by EOY
I bought a little ARCC and SPHD Today if it turns out, we are in a bear market I’ll slowly acquire more and hold
Thanks for the optimism. I’ve gotten a couple of DMs from people saying a lot of people here don’t know what they’re talking about, so I’ve taken everything with a grain of salt (I can’t say I disagree; I asked for something that grows decently with a dividend of around 5-6% and I got suggestions for stocks with 20% yields that have declined 10% over 5 years, only for them to later tell me that the dividends are not regularly scheduled and they basically pay them when they feel like it, lol). I wasn’t trying to make anything quickly though. My dad actually bought SPHD for me 2 years before I’ve cared about stocks and now (3 years later) I have my own investing plans and SPHD just isn’t a part of it. He agrees that it would be a better decision to move on and I already have decided where all of that cash is going to go, plus the cash I’ve gained over the years. I finally logged into my account for the first time about a year ago to see that it’s down 10%. It has stayed like that for awhile now. I don’t plan to sell it until I get into the green though, and fortunately it’s getting close. I do understand that it’s difficult to find things but I’ve discovered a couple of gems on my own (One is JEPI, with a 7.55% yield and growth of 7% over 6 months and 14% in 5 years). I’m just seeing if anyone else has any other ideas.
I tried SPHD and it failed. I’m gonna try JEPI soon.
Would be better or you just invested in QQQ, SPHD, and SCHD. Also hold Apple until you drop dead, what are you crazy
The first question you want to answer for yourself is this: How involved do you want to be? If the answer is not very much, or you are intimidated by this like a lot people are, start with ETFs. Pick some like SPHD, HDV, or VOO that are spread among a lot of companies already, and just do monthly buys. Even with what you have now, just put it all on 2 or 3 ETFs and keep adding $50 or $100 per month. Whatever is comfortable for your budget. If you find yourself with more time, experience pr money (or all three) and you want to min/max a strategy yourself, start researching companies that consistently are growing and profitable. Find ones you like and pick up shares. If you like buying and trading you absolutely can but that's very involved. You can easily grab a company like Amazon or Costco and just sit on the shares for years. Value grows and you will be able to sell for more than what you paid. And if you want to sit on your portfolio long term without selling to make money, you can even specialize your investing to center on dividend investments that pay you monthly or quarterly. This can be great if you just want to watch your money grow and still get money to either use for yourself or re-invest for faster growth. Either way, most strategies want you to do what some here have said: buy and forget about it. Robinhood is nice now that they let you set up auto-invests either to your brokerage account or straight to a particular stock. AND you can do partial investments, so if you can't afford a whole stock you can put a set dollar amount to it and get a fractional share. This lets you start small and grow your collection. The key here is consistency. Add money regularly based on your budget and leave it there. To do it right it will take time, but even $100 will go a long way if it sits on a good ETF.
Forget about dividends in your Roth IRA and (eventual) 401(k). Keep those strictly in broad index funds. If you want to create a dividend portfolio, keep it relatively small in comparison to your retirement accounts. There isn't a great reason to be investing in dividend stocks as a 23 year old, and people will tell you it's dumb to do so in a taxable account. Objectively, it's not ideal. But I will offer a contrary viewpoint as a retiree: It's nice to get paid a modest baseline of income in retirement via dividends that don't deplete your share count. And to get there you have to start there, since it's impractical to rebalance a taxable account after decades of capital appreciation. Again, I wouldn't do this if I could rewind the clock, but I'm a bit stuck with it since I had a custodial account when I was young and this is how it was built. It's not a bad problem to have. Just keep focused on your index funds for long term growth. Finally, don't sink all of your dividend money into one company. I own 35 different blue chip stocks. You still need the diversity of different companies, different sectors, etc. This is why a fund like SCHD (*not* SPHD) is so popular.
I'm around mid-teen annual income from dividends generated from DLR, SPHD, VOO plus a few other smaller holdings. You're not doing it with 100k, but maybe after many years of dividend reinvestment.
I am new to investing and I am looking for advise on what to do better. I am 19 and my current holdings are: VOO: 886.04 SFYF: 227.89 SCHD: 78.90 DIV: 51.15 SPHD: 43.15 SDIV: 42.83 My Long term goal is to build up to getting paid 1000 a month in dividends I know I’m still far away but I only work part time in college but any advise would help.
SPHD, SDIV, VTI, BND, VYM, VIG, RDVY, also VGI income fund
Down on MARA calls, up on BABA calls. The casino wants more, selling some SPHD to make truly regarded plays.
Put what you have left in SPHD and focus on school/career/ join a gym - best mental health
I just received the proceeds from a stock buy out, right around your figure. So far, I've redistributed 200k into existing holdings of SPHD, VOO, DLR. I'll ease the remaining money into more shares over the next few months.
My timelines for needing my money is much shorter so I didn't put my recent windfall in 100% voo. So far it's split evenly between SPHD, VOO , and DLR but I still have another chunk to invest
If you don't care about growth I've heard good things about SPHD if you're just trying to get dividends and not lose all your money. There are other high dividend minimal growth funds you can throw money into, but you should definitely do your own research to figure out what's best for you since I'm not an expert. Only thing to consider here is that growth usually outperforms dividends at the cost of risk. But yeah, do research and figure stuff out.
This is why the only thing I buying right now is the SPHD EFT, it's only trading 15 x earnings and has a great dividend.
JEPI and SCHD are the two main high yields I invest in, as well as SPHD. I use them as a consistent stream of passive income. I look for ones that show growth but that also don’t have much volatility.
I don't know about SPHD for growth. That strikes me as a play-it-safe investment for someone with a low risk tolerance or shorter timeframe: almost 5% dividend yield, slow & steady growth in up years, smaller declines in down years. Over longer timelines, the S&P 500 (which you already have as VOO) easily leaves SPHD behind. Otherwise they're all solid funds, just be aware that there's a good amount of overlap between them. VOO shares [86% with VTI](https://www.etfrc.com/funds/overlap.php?f1=VTI&f2=VOO) and [46% with QQQ](https://www.etfrc.com/funds/overlap.php?f1=QQQ&f2=VOO). That's not a *bad* thing by any means: that overlap is the S&P 500, which tends to be the default recommendation for someone who doesn't know what to invest in.
Are these a good portfolio buy for a new Investor? Hello everyone, I am very very new to investing but recently I had just saved up to 10,000$ as my emergency fund and decided to have a weekly buy of some stocks so I can have exposure. I am 23 and am very very new to investing but I had gathered from this subreddit and others that these are a good option to slowly invest into. Just wanted any advice or comments yall would have into wether l'm a big dummy or these is decent to do for long term growth. Again thanks to all in advance I will be reading all comments and will take them into account! SPHD $10.00 Weekly VTI $10.00 Weekly charles SCHWAB SCHD $10.00 Weekly QQQ $10.00 Weekly VOO $10.00 Weekly VXUS $10.00 Weekly
Just do QQQ hold on to it till 59 sell everything and go 100% on SPHD
Buy 200 shares of SPHD and get some passive income
I am a high schooler in the US with <50 shares in a few different companies. Obviously I’m not saving for retirement, I just want to collect dividends for passive income. Not even old enough to have a job yet, my shares come from asking for money to invest for my birthday. I will be fine waiting 20+ years for my money. Medium risk tolerance. I’m looking to sell my 2.2 shares of SPHD and buy 4-5 of JEPI. Is this a good idea? Their dividend is twice as high as the S&P.
Dump the SPHD. It's not remotely a peer of the others. As others have said VOO and VTI are very similar. No harm in having both but for your case probably just having VTI is better (tho if I had to choose for me I'd take VOO). PHO of course is a longterm no-brainer winner, but of course no one knows if the win wil be bigger than VTI going forward. VDE... there are lots of energy ETFs and while VDE is above average it has lagged a lot of the other choices like IEO and PXE. Don't just choose a Vanguard ETF if you use them. Take a look at all the competing energy ETFs. That have very significant differences.
That’s awesome! Thank you so much for sharing. As of now my goals are pretty short term. I’d like enough money to buy my first car and put a down payment on my first house. I figure this might be just over 100k. (I graduate undergrad this coming spring) However, if I can keep making money via WSB tactics, I would like to invest in a high yield dividend etf like SPHD for supplementary income and not rely solely on the ray race.
That’s cool, I was thinking if I make any surreal gains I can just put them into SPHD index or VOO
Here's my list: VYM - Vanguard High Dividend Yield ETF SCHD - Schwab United State Dividend Equity ETF DGS - WisdomTree Emerging Markets Small Cap Dividend Fund IDV - iShares International Select Dividend VIG - Vanguard Dividend Appreciation ETF SPHD - Invesco S&P 500 High Dividend Low Volatility ETF SPYD - SPRD Portfolio S&P 500 High Dividend ETF
Semi conductor Semi conductor Mostly tech Tech Semi conductor Dividends Russell 1000 What are your thoughts on your diversification when you think about it like this? We can’t see what % of your portfolio is in each holding, but I’d say you are fine if VONV and SPHD is like 80%+ of your portfolio. Otherwise, it’d be extremely aggressive on tech.
The difference between a HYSA or MMA and this is that the former are pegged to the dollar value of their deposits; for instance, I use Schwab's SWVXX, and when I buy a dollar of it, I always have one share with a variable yield. Any yield-seeking fund, whether BND/X or SPHD/Y, will vary in price as well as yield, so you're taking on additional risk by buying it especially on the short term. A sweep account is generally for money you're "parking" for the short term, which is why you want low volatility. Getting a little bit of interest is just icing.
I mean it could and is a stable way, but you won’t fully take advantage of the compounding in it. Even $30K in it will only yield you an extra $1,500/year so don’t expect too much. As far as the portfolio goes: SPHD/SCHD, O, JEPI/JEPQ, VZ, T, UPS, CVX, and STAG. You’ll have to figure out the allocation percents to best suit your needs however. For me, it yields me around 6%/year. Alternatively, you could throw the dividends from them into a yieldmax like TSLY if you’re more impatient. ONLY the dividends! I can’t stress that enough. Yieldmaxes are way too risky and trend down, but pay out pretty good so you won’t lose any real money by just putting the dividends into it.
Well let’s take a look… Meta trading at historically low valuations to PE and FCF Same with AMZN APPL definitely is trading higher but..one could argue they get a higher valuation cause they are considered a service oriented company now NVDA is trading high but when there doubling earnings YoY and their recent quarter is almost all their revenue from last year. GOGL forward PE of 21 trading high maybe TSLA..this one always confused me so no comment Anyways we saw this year the magnificent 7 carrying all the S&P gains. Most of the market is still down bad. SPHD down 9% YTD, Russel up 2%, oil companies all down, fin tech is all down, consumer discretionary all down. If tech didn’t have a shit year in 2022 causing this big rebound then the S&P would 100% be down or flat
I have both SPHD and SCHD, should I keep both or sell one for the other?
I have all 6 of these ETFs in my Brokerage, HSA and IRA accounts. My portfolio has never been down significantly that causes me to panic. I keep adding to my positions on red days. This is not a suggestion to buy any of these ETFs and today certainly wouldn’t be a day to buy them. Wait for a pull back. SCHD IVV SPHD SPHQ SPYG VWO
Okay on #1. For #2, I'm sorry for your loss. Even if you're going to withdraw from the pot, though, why chase dividends vs. overall growth? [VOO has outperformed SPHD by ~5% a year](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=3cZzqhGE7Yau6tifHt1amz) for the life of SPHD (QYLG is quite new, so harder to compare, [but VOO has also outperformed there](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2ifSNGiBuTzvD0Vv2dUWzl)). Other than it being a bit simpler/set-it-and-forget-it, why not just invest in the broad market and sell off a piece each year (vs. chase dividends, which are functionally just a forced sale)? For #3: Whatever your plan is in 15-20 years, fine, but should have little/no impact on your current portfolio (as you could hold one portfolio for 14.99 years and then sell/rebalance 15 years from now into that future portfolio). Again though: >I want to consolidate everything into stable dividend stocks to reap the benefits without needing to sell any of my shares. Why? Moreover >Whatever disposable income I have left over can be reinvested to continue building it up. Confuses me even more. Why would you be withdrawing from a portfolio beyond what you need only to... Reinvest it back in? If you're still working (to a level that can sustain you) why not let your portfolio (at least anything you aren't tapping to enjoy a higher lifestyle than your job alone could support) sit?
Withdraw and use. I'll elaborate a bit more on my current plan: 1. Currently twenty-five, turning twenty-six next year. I'm currently investing in VTI, and plan to continue doing so for the next fifteen to twenty years. With its average annual returns over the past thirty years being between 8% and 11%, I don't see much room for it to go wrong. Though I am wary of a crash with all the economic uncertainty in recent times. 2. I'll be receiving 1.5M from a relative's passing, and I plan to put that into the dividend stock(s) of my choosing. I've been considering SPHD and QYLG the most. This would yield a little under \~75k before taxes for the former and \~85k for the latter before taxes by my estimates. 3. In about fifteen to twenty years, I want to consolidate everything into stable dividend stocks to reap the benefits without needing to sell any of my shares. Whatever disposable income I have left over can be reinvested to continue building it up.
Haven't ever looked into QYLG, but my gut would be to do the covered calls myself rather than paying someone to do it in an ETF. And with SPHD, I'm not big on dividends as I'd rather focus on growth and avoid taxable events.
How do you feel about SPHD and QYLG? I'd been looking into those as well.
I honestly don't know if there are fees since I just hold the stock and it's not in an actively managed fund, for example. I was also holding SPHD up to today and unloaded due to abysmal performance. I have 1000 shares of RITM at just above a $7 basis, that have paid $250 quarterly. So far, it's the one investment I'm satisfied with.
Just asking, what does SCHD and SPHD have to do with each other?