SPYD
SPDR® Portfolio S&P 500 High Dividend ETF
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Moving away from growth stocks & ETFs into CDs and T Bills
Moving away from growth stocks & ETFs into CDs and T Bills
I don't get this. SPY has gone up 14% in about 4 months, while SPYD (SPY ETF in euros on German exchnge) has stayed flat as seen on the second image. EURUSD has gone up 5% in 4 months, so why isn't my net return about 9%? Does it have to do with the Fund Managers not tracking SPY one to one?
PLTR & RKLB Before August ER?
Looking to start buying for long term, what’s better SCHG or XLK?
Wall Street Week Ahead for the trading week beginning August 29th, 2022
Wall Street Week Ahead for the trading week beginning August 29th, 2022
New to the investing game. Are REIT ETFs a good option nowadays?
Dividend investing and ETF’s
S&P 500 Dividend Aristocrats | All 65 Stocks Updated List 2022
27 y/o, trying to get a hold of what to do in the market. Think I'm making the wrong moves compared to everyone. Any help would be great
Advice on primarily dividend based investment strategy
Investment strategy - Eggs in one basket?
What high dividend ETF has little to no allocation in oil and natural gas?
Rate portfolio I am making for my girlfriend who’s getting a large amount of cash.
What to do to set my 2 year old nephew and niece up for when they turn 20
Mentions
If you aren't feeling secure, move 20% to fixed 2-5 year CD, and 20% to value fund ETF, like SPYD.
I have put for SPYD 665. Anyone think it’s gonna go down by that in the next 3 to 4 days
SPYD. That's enough to live on. For quite a while.
The concept of Acorns sounds nice but the fees are pretty bad. Especially if you only plan to invest your "change". You are better off opening up a brokerage account at Robinhood, Schwab, whatever. Robinhood has a nice UI for beginners / if you plan to just buy and hold or mess around with some options. If you don't know what to invest in, start with some ETFs /index funds. SPY, SPYD, SCHD if you like dividends
You are tilting towards Tech with the direct investments, but you have SPY and SPYD which are index funds if I am not missing anything? So they provide some sort of counterweight?
Whats the best non US dividend ETF? My strategy is to invest same amount of money each week, no matter if the market is growing or falling. Im trying to keep 10/15% on bitcoin and the rest on etf. I ve already invested in VTI and QQQ. (I ll keep on doing that) But now i want to allocate 20% of my investment to a Dividend ETF. To get that passive income that will be re invested. I dont want to buy SCHD, VYM, SPYD because they are highly correlated to US market that im already invested in (QQQ AND VTI)
There have been 3 drops in the market since 2020, i have taken advantage of. April 2025 (SP500 -23%), January 2022 (SP500 -27%), and February 2020 (SP500 -34%). My personal playbook of when to use the warchest. When SP500 drops 10% or more, I use minimum 5% of the "warchest" every trading day during the dip. I have SCHD its heavier on energy and consumer defense. SPYD its more real estate and utility driven. The ETF overlap is only 19%. I purchased the SPMO, the momentum ETF. Heard about it late last year, from a co-worker i trust. I'm up 20% YTD. So happy days. Why dividend focused? For years all I purchased was VOO, my IRA is nothing but VOO. I just wanted to diversify a little bit, honestly no real reason.
> $1,500 for $75 daily market buy of $35 VOO, the other $40 is split between SPMO, SCHB, SCHD, SCHF, and SPYD Why are you buying both VOO and SCHB, which are almost identical? Why also a momentum version of US large caps? Why are you buying both SCHD and SPYD? They have little overlap but similar ideas. Why a focus on dividends given [dividend irrelevance] (https://www.investopedia.com/terms/d/dividendirrelevance.asp)? Why no emerging markets?
PLTR if feeling wild VOO, SPY , SPYD , Berkshire if looking for safe and consistent
SCHD by June 24th to collect dividends on June 30th. Or SPYD by June 20th to collect Dividends by June 25th.
> Any advice on how to live comfortably from dividends? Sure, it's pretty simple, just invest in $SPYD, its current dividend yield is 4.49% so, for instance, if you were to invest $4,454,342.98 you'll cash in $200,000 in dividends per year. Easy, simple, no sweat.
Very easy. First pick a few top dividend paying ETFs. Example SPYD is one of them. Look at their top ten holdings. Then invest in those stocks. The top ten holdings in these funds are there because they meet strict performance criteria and are mostly responsible for the funds performance. Then select a couple stocks with the most cash and low debt on their balance sheet. Those with the most cash and low leverage can weathered an economic downtown and won’t cut their dividends. Check the dividend payment date. Companies pay divdends quarterly - so get one that pays dividends in Jan, Feb, and March. That way you’ll have dividends coming to you every month. That’s what rich old folks do so they have spending money to play with. However if you’re a young lad, it’s better to be in high growth stocks. Not dividend stocks. If you look at the top ten holdings of any Sp500 ETF or Nasdaq 100 ETF -,example SPY, VOO, IVW, or QQQ you’ll notice that they are in Amazon, Google, Meta, Microsoft, Nvidia, and Tesla etc. Check it out. Your goal is to do better than the SP500 does every year in order to get ahead.
Does anybody else invest in SPYG and SPYD or just me?
I have SPYD which is REIT and Utility heavy. Instead of going all in on a sector fund you could do something like that.
I'm doing 80% cash, 20% SPLV, VIG, and SPYD.
Right now I got DVY SPYD BIGY EVHY Got them all at what I think of as a big discount
For those looking for safer shits SPYD and SPHD been doing pretty well. Calls 
Good God why is SPYD up in this nonsense?
I was doing a lot of SPYD for a while and I’ve seen little or no growth the past 3 years
Dividend ETFs can be useful, but whether they’re the right choice depends on what you’re looking for. If your goal is income, they provide a steady cash flow without the need to pick individual stocks. However, if you're more focused on total returns, broad-market funds like VOO will likely outperform over time, since dividend-focused investments tend to trade off some growth potential for income. If you're investing $100K into a high-dividend ETF, you’d typically see an annual dividend yield of around 3-4%, which means roughly $3,000 to $4,000 per year in dividends. Some ETFs pay quarterly, while a few, like SPYD, distribute monthly. The tradeoff is that many high-dividend stocks don’t appreciate in value as quickly as growth-oriented ones, so while you’re getting consistent payouts, you might miss out on long-term capital appreciation. Since you're in the EU and want to avoid US withholding tax, the best option would be Ireland-domiciled ETFs, which benefit from better tax treaties. Funds like Vanguard FTSE All-World High Dividend Yield (VHYL) or iShares MSCI World Quality Dividend (WQDV) could be worth looking into. They provide diversification while still offering solid yields. If you already have a mix of broad-market ETFs and higher-risk investments, dividend ETFs could serve as a nice supplement, but they shouldn’t necessarily replace your core strategy. The main question is whether you’re prioritizing income now or maximizing long-term growth. If early retirement or long-term wealth building is the goal, total return investing will likely get you there faster.
VOO, APD, NATH, PLTR, PPL, SPYD, RDY, VLY, RKLB… currently evenly distributed with about $20k total. What should I drop? Add? I’ve never actively chosen my own stocks, so I’m starting small. Any input is greatly appreciated!
People with $1-2M, why not put that shit in SPYD, and start some french fries shack in middle of nowhere called “Bendy’s Handies”  to retire peacefully. Aint nothin in cities but hoes and deceit.
And just to be clear, I cannot stress for new investors to but ETFs or mutual funds that track large indexes. Think VOO, SPY, VT, VTI, SCHB, and for our dividend friends, SCHD, SPYD. Growth? QQQ, SWLGX, VGT.
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
Sell it, mark my words. You’re going to regret not putting half of your winnings into a money market as BP for when shit hits the fan. Your biggest tool in investing is BP (buying power) without it you got absolutely nothing of value. You’re staring at a screen with unrealized gains, and you’re going to hate yourself when you wake up and it says zero profit. This could happen in an hour, tomorrow or before the year ends. Congratulations, but don’t miss out on better opportunities, take it from someone who’s won big and lost big. Take the profits, have at least 50% buying power in a money market for rainy days, buy some cool ETF’s (HYBL, FDVV, SPYD) these are a few cool ones. NOT FINANCIAL ADVICE\* but this is 100% what i would do if i were you, and I’ve currently been doing the same and have increased my portfolio from 5k-80k this year alone, not as big as your wins but mine are now realized gains, because im currently 80% cash in 4% yield SPAXX and 20% small caps that have me at 50-300% profit from gains and investments i made before the election. Godspeed! 
Apologies for not being clear. I meant i have shares of SPDR S&P 500 ETF (SPY) and SPDR S&P 500 High Dividend ETF(SPYD)
This is what I started doing. Put about 100 into SPYD ETF and then added 10 bucks to my account every week and when I had enough I bought another full share of SPYD. That account has grown substantially over the last 5 years. I bumped the 10 per week to 25 per week when I started making more money and then bought into another ETF and a local energy company where I live. The whole account is over 2000 dollars worth of value now. Reinvest all dividends and just keep pumping money into it every week or month and they grow steadily. One thing I've learned is the market will always rise again after a drop.
No, didn't. Kind of didn't like the 'vibe' of the hype. Would rather put it in AAPL/GOOGL/COST/SPY/SPYD. I have an alert set for $3, I figure it is at least a $4-5 stock, but will only put a couple notes in if it does reach $3.
VTI - VOO - SMH - QQQ - SPYD is my 'self-directed' and I'm up 47.92% all time (2.5 years approx). My robo run account at Wealthfront same time frame is only up 34.65% all time and 23.38% in 2024.
>If I am correct SPY has a like a 7%-8% return all time sort of but also not really. over the long-term, several decades, a 7-8% average after adjusting for inflation is probably reasonable. but that's not a guarantee. The S&P 500 averaged about 5.5%/year from 2000 to 2020, and closer to 1%/year from 2000-2012. >Wouldn’t this be higher than the growth and TTM combined SPY has? If so why wouldn’t everyone just invest in this and get 12% dividends a year? here's what you're missing: - SPYI's 12% yield is only partly dividends. dividends are essentially a form of profit sharing, and the S&P 500 current dividend yield is about 1.3%. if you bought something like SPYD, the highest-dividend stocks in the S&P 500, the yield is about 4%. - much of the 12% yield from SPYI is due to "covered calls", which is a complicated form of options where other investors pay you money for the option to buy the stocks you hold now. - this can generate a lot of income, and it works well if stocks are steady or going up. but if the stocks go down, you can be forced to sell at a loss to the people who hold the option contract. look up what happened to QYLD a few years ago, similar strategy and it hasn't recovered from the Covid crash.
And SPYD which is the high dividend yield version of SPY and tracks, I think its, top 83 dividend paying stocks and has a higher dividend payout but at the cost of not tracking as high as SPY since its not tracking all 500 and is just under $46 a share. As others have said though, invest now and frequently if you can i.e. monthly and if you are buying ETF don't try to time it just keep buying what you can. Try to invest the same amount every month if you can then it becomes a habit.
MRNA, if you are negative, lose it. It will not go back up unless they come up with a cure for the common cold or universal influenza. Bought in March of '20, sold a bit to cover my investment, and will let it float to zero as it is all gravy. But, I don't see them reaching their previous highs in this decade. Put it in something that will grow (AAPL, COST, GOOG, VOO, DIA, ONEQ) I wouldn't touch F with a thirty foot pole, or a mile of extra wiring (the EV Truck). If you do go in on F go in at $8 and sell at $10. Sold MRK not long ago at a profit, but I held it forever so it wasn't making the grade. I think I held it for 12-14 years and got under 100% so it was out. SPYD is a dividend S&P index fund that has decent dividends if that is your goal
Something like SPYD would have very little tech I think. Alternatively, you can sell some of the tech, and buy VOO to balance out the tech allocation where you want it.
SPYD Fund performance +36% last 52 weeks, dividend yield 4.1%.
SPYD has 80 companies of the S&P that produce high dividends. If you are able to build a portfolio that gives you enough dividends to live on or complement Social Security, then you don't have to sell off 4% per year .
True, 'dividend investing' implies an emphasis on dividend-paying stocks. I was just illustrating to OP that broad index investing also includes dividends, even if they're not the focus of the index. But you'll also find Meta or NVDA in some dividend-oriented ETFs or funds, depending on how it's constructed. for example neither of those stocks is held in HDV or SPYD, but they're both held in FDGFX.
* QQQ tracks the Nasdaq-100 Index * VOO, SPY, and IVV all track the S&P 500 Index * SCHD, SPYD, VYM, DHRO, and VIG are various dividend focused funds * VTI tracks the total US market A lot of these funds are contained partially or wholly by other funds. Some of these are identical (aside from differing expense ratios). You might end up with a portfolio that is actually *less* diversified than only VTI.
Just those 3? I've seen about 10 ETFs that I'm interested in as soon as I have the extra money to invest. VOO, VTI, SPY, QQQ, SCHD, IVV, VYM, DHRO, SPYD, and VIG. Is it better to invest in only a few as opposed to all?
Might get an opportunity to add to my SPYD hoard
Where are you getting $500 per month? Even if he had that $96k he's getting up front, SPYD would generate about $3800 per year in dividend from it.
VOO VTI VYM VTV SPYD All of those ETF's have saved my ass and kept me at 15% this year even with some dumb losses on other shit
I recommend you to just use ETFS SPYD + NIXT are interesting
Or even a dividend etf like SPYD, live your life, with a ~4k bonus every quarter and the 140k in the account is your safety net.
Right now $SGOV (short term t bills etf) is above 5% with no state or local taxes. That rate will nearly certainly drop later this month, but I imagine it will stay above 4% for a while longer. Long term medium-low risk, short or medium term higher risk: If you have a tolerance for some volatility in your principle in the short to medium term, $SPYD is paying 4.7% dividends right now. If it were me, I'd do some combination of the two with the understanding that I'd be holding onto SPYD for at least a decade and that SGOV yields would likely start dropping soon. If I needed the money for something specific at the end of those three years, I'd think more in terms of maximizing savings rates (you can probably still lock down a one year CD at 5% to start if you act fast)
Been in VNQ and SPYD since summer '22...just lettin it drip. 20% portfolio tilt.
Opening a new Account purely for Dividends cash flow & Steady market growth. I have entered in a medium-sized starting position & plan to DCA a small-sized amount each week. Below is what I am planning. Any thoughts / advice / feedback? SPY SCHD SPYD O
If I’ve learned anything in the last 10 years, I would just park that shit in SPY, VOO, SCHD or SPYD. But I have learned nothing.
I’m no expert but I stick to a couple. SPY/VOO + QQQ + a couple of dividend ETFs like SPYD or DVY. For the positions I still own, I write covered calls at achievable strikes so they get called away on purpose. Then just buy ETFs. Almost all my new buys regularly are ETF’s.
With $2.1m you can make over $85k/year dividends pre-tax with SPYD. It’s extremely diversified/defensive group of high-dividend S&P 500 companies with a .83 beta. You’re safer in SPYD than even SPY in the event of a market downturn
YOLO everything into waffles. Everyone here will likely just say something conservative like SPYD, VOO, and or QQQ maybe one international 500. Which is smart safe and will make you a good deal of money. It’s just boring.
Yes, which is why am staying away from it in my tiny portfolio. I prefer SPYD for dividends income.
I don’t think crypto is a viable long term investment. The “Miners” are the people who run the blockchain, aka the transaction log. Once mining ceases from hitting the minting limits, the miners will have to be paid in fees. Fees that will kill the whole system. I have XLE which tracks energy. It’s kept pace with gold and also pays a dividend. I also have BND and SPYD for dividends which IMO does the same thing as gold. Reliable and consistent investment that keeps pace with inflation.
This is what I do. The percentages are money in, not current holdings. It’s all ETF’s. I’m too stupid to make good picks on individual stocks. VOO 40% SPYD 5% BND 5% XLE 5% SPMO 5% VONG 15% QQQM 15% SPDW 2.5% VEU 2.5% SPEM 5%
Not financial advice: But, for $25 you won’t get much. If I had $25 to invest I’d probably put it into VOO or SPYD or something and occasionally add more $25 as I could while letting the whole thing ride for twenty years or so.
Yeah, those are all ETFs. SPYD owns pieces of companies that pay good dividends. SPYG is made of companies that people think are going to grow quickly (no guarantee, of course).
Yes VOO and QQQ was suggested from a friend but... Are you saying SPYD, SPYG ... are not ETF'S ??? i think they are too, isn't? Thanks for share 💪🏼
Soneone help me... Which is the difference between SPY SPYD SPYG SPYI I know D is to pay more dividends, G to long term for growth ... But are those good options over SPY ? Are preatty cheapper Why SPY is more expensive? And does SPY pays dividends? How regulary or is foeñr long term? Thanks A pretty beginner
They are all in the Tech industry, you need to diversify, best way to do it is buying ETF in other sectors, a good complement to you current positions is energy sector, XLE is a good etf in that sector, utilities PHO, industrial XLI, PPA for aerospace and defense, I like SPYD which is high on dividends, what I’m trying to say is you picked great stocks, good solid companies and they won’t let you down but that doesn’t mean that their stock price will not be affected by cyclical and honestly all AI stocks will have a big correction after the elections.
Generally investing with a focus ton dividends does not maximize returns Just look at total returns of some dividend focused ETFs like SCHD , VYM , SPYD and compair their long term returns to broad market indexes like VTI or VOO I mean shouldn't the goal of investing is to maximize returns? Or perhaps maximize risk adjusted returns ? >Why does everyone say not to care or focus on dividends, if part of your goal for investing is to use the dividends to help fund your lifestyle or bills, without selling shares of the business you own? Why do you not want to sell your shares? The average retail investor will probably never have a big enough ownership stake in a company to influence any decision , so why is "Not selling shares" a goal? I guess I am wondering why you are putting this wierd restriction here and say you never want to sell shares?
> Probably underperforms SPY long term but this is my play money. Maybe, but the buy-write strategy does tend to [smooth out](https://www.gsam.com/content/gsam/us/en/advisors/resources/investment-ideas/buy-write.html) investment returns, and that can be important depending on your needs and risk tolerance. For example if you chart it against SPYD, DIVO didn’t drop [nearly as hard](https://portfolioslab.com/tools/stock-comparison/DIVO/SPYD) in 2020 or 2022. When the good times returned, SPYD started to catch up. > I'm terrible at stock picking You’re in good company, most of us are. > and I like seeing the dividend money every month. There are some professionals out there like Ben Felix who say that’s a valid reason to pursue a dividend strategy. Even if dividend aristocrats don't outperform (and on average they do pretty well), an investor who finds dividend income motivating is more likely to stick to their plan.
I have a long term portfolio tied to my 401k. This is my more "fun money" to play around with. I very rarely make short term trades, I hold on to things typically for at least a year, many times much more than a year. My money is split up in: * 20% Crypto - Etherium * 60% Stocks - Microsoft, Apple, Pfizer, Rocket Labs, SoFi * 20% ETFs - VTI and SPYD.
Just leave it in SPYD and be done with it
Long shot : BA Short term: SPYD QQQ
Buy SPYD stock and hold monthly puts on the value of the quarterly dividend.
I also own JEPI and SCHD. I just checked what Mezzi suggests. Have you looked at SPYD? 0.07% expense ratio vs. 0.35% for JEPI. 4.72% dividend yield, so it's more than SCHD which as 0.06% expense ratio. Sounds like a good alternative to SCHD, though returns haven't been as good. If income is more important, then it could be a good alternative.
VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…
I am a college student with around $26,000 in extra money that I have available for investing. I am looking for advice on which brokerage to use, and how I should place my investments. I currently have around 4,500 in robin hood to play with options and crypto, and my parents hold a custodial account with about $60,000 in blue chip stocks on E\*TRADE. However, I want to invest myself. 1) What brokerage should I use, I am leaning towards Charles Schwab but I am unsure of a lot of other options? 2) What should I invest specifically in? I was thinking ETFS like SPY,VOO and dividend payers like SPYD and TXRH. Should I be as conservative as purchasing bonds? 3) How should I weight each investment in terms of the 26k$, focus on the ETFs first?
Risk-adjusted, SPY has blown SPYD out of the water. It's also had lower volatility and less severe drawdowns in the short, medium and long runs.
$SPYD and until you have more than 10K in there that's all you should do. Now shoo until you can place bets at least at the table limit.
Here you go, enjoy your retirement: 1. VTI 2. SDY 3. DGRO 4. VIG 5. JEPQ 6. SCHD 7. VYM 8. SPYD 9. NOBL 10. DGRW
It is a relative comparison. SPY will do better than SPYD. Past and in the future.
I only have $10k that’s cash now. I’m in my late 30s I didn’t start investing until 30s since all that loans from school weighted me down. But still proud I got some going after quitting this job. I just didn’t know if I bought into smh or qqq now if I need to be rebalancing ever now and then or I leave it and it’ll do its thing. I have just VOO right now. Trying to sell the SPYD next week, hence the cash! Not a whole lot at all in my 401k
Copy! Thank you! If I just bought $5k in qqq and $5k in smh and left it. Would it just do its thing? I mean I know it’s ATH so I doubt I can time the market. I just wanna get out of SPYD.
Looking at performance it sucks. It does pay a decent dividend, but no growth at all. [Compare chart](https://finance.yahoo.com/quote/SPYD/chart#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-)
CD, or just popular income ETF voo jpi, SPYD and so on.
QYLD, SPYD, SPYG, AMD, and Amazon.
If you just want to buy something safe and let it sit to collect dividends, buy SPYD, but that only yields ~5%. If you want more and willing to take more risk, try IEP. They pay a flat $1/quarter, and with the current price being $19.33, that's over 20%/year. IEP USED to trade at $50-55 and pay $2/quarter, and someone wrote a scathing report that claimed IEP would not be able to maintain those payouts, and it tanked to $20. It bounced back to $33, but then IEP said that with the stock drop, they have to reduce the payout to $1. Still though, if they can keep making $1/quarter, then you can still get 20%. And if you buy now, you're buying low. Of course, it's still a risk. If you buy the options, you will NEVER collect any dividends. You have to own the stock itself, and then dividends are automatically paid.
I know it's not very popular in this community but SPYD has a decent yield (\~5%) and especially if you reinvest dividends the psychological impact of seeing the share count grow without contributing another dime to the account is going to be very impactful at that young age.
VTI, SCHD and SPYD for dividends. Put aside 30k for YOLO gambles.
SPYD It’s a high dividend stock!!!
If you are in your 20's or 30's VIG, DGRW, DGRO Older than that maybe you want more yield as you have less time DLN, NOBL, VYM, SPYD
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
wow, take it from a 50+ year old - you are well positioned. I suggest Fidelity over Vanguard - they have some decent seminars and trainings. But, as you have a ROTH, you are likely with someone already. You are debt free and maxing out your ROTH, GREAT! I think your funds are a bit 'meh', but your risk profile has you happy with them - so stay with it - "you do you." As for the $100k - accounting for your conservative approach.... Maybe start a CD ladder. Put $5k (+/-) into a CD for a year, next month, do the same... in a year, that would be $60k of it right there. You could do all those for a 1 year term (maybe throw in a few more shorter term CD's with the other $40k?)... as the CD matures, check the rates and put it back in. AND, yes, maybe some in I-bonds - but you missed the boat there for the high returns... You could do a brokerage account that has more dividends/distributions than your VTI, BND, VXUS funds... VYM, SPYD type (I like quite a few closed end funds), BUT that sounds like it's getting into "picking things" that may involve risk you aren't happy with. Best of luck!
You are open to risk, but want to save for a house. You are also young and can make compound dividends work in your favor - but, maybe that's more your retirement account? I'm guessing you are putting into a Roth that which (retirement savings) isn't going to earn the match from your employer. As for other accounts - ever look at high yield CEFs? Some of these have been good for me - and I expect they'll come back a bit as the rates go down next year. I like USA, JEP, AOD... BSTZ (tech) has been a recent one I started buying... If looking for ETF's - SPYD & VYM... Best of luck
> I was leaning towards the high dividend SPYD, with the dividends reinvested Good god, why? SPY's total return for the year is +21% while SPYD is -6%.
SPYD is a fine choice. The expenses are a bit higher than some other choices like VOO or FXAIX, but if it’s a better fit for you personally - such as cost per share, or dividend yield than I say go for it. Don’t be afraid of fractional shares. Money in market is money in market. You get fractional growth too!
Why would you get seeking alpha when you have this and they just say PUT ALL YOUR MONEY INTO VT OR VTI OR VOO AND LET IT CHILL AND JUST CHILL AND DONT DO ANYTHING OR TOUCH IT OR READ ANYTHING AND BOGLE AND ETF AND INDEX AND DONT READ THINGS AND JUST LET IT CHILL AND VTI WHICH IS ACTUALLY VTSAX JUST LIKE THE BOOK SAYS AND SELL YOUR CRAPPY SCHD AND SPYD BECAUSE DIVIDENDS ARE FAKE MONEY and vti and chill dude put the $40 into vti.
Can’t go wrong with QQQ, SPYD, SCHY, NULG, VOO, SPLG. Can you beat these funds with a little bit of work? Sure, I do. Don’t look at your stocks if you come back in 10 years 9/10 times you would have made money. YES time is always now if you don’t invest you are guaranteed to lose money. Look at time value of money it basically says that 1 dollar is worth more today than it will be worth tmrw. Inflation is like 3.3% rn so If you want to wait a year and try to time the market your money would have lost 3.3% of its value. *Not Financial Advice, results are not guaranteed, invest at your own risk*
My portfolio: 15% BLV(long term bond etf); 30% VYMI(international high dividend yield etf); 30% SPYD(SP500 high dividend yield etf); 15% SPLG (SP500 index etf); 10% QQQM (Nasdaq 100 index etf)
Just compare the SPYD ytd with the SPY ytd return. The 5% divvy doesn’t make up for the loss.
I vote things that appear to be resilient (not financial or trading advice, direct or indirect ;-0 which we all know. SPYD/ XLF/ FCLD/ FCNTX/ ITOT. and he can pick some high volume long term weight add ins. Does what he has ultimately pay dividends? Cheers
Yeah similar, I got pretty irresponsible during 2020/21 with too much risk. Now I'm sitting in 3-6 month treasuries and selling CSP on SPYD to get the premium and also get assigned.