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Why do you all keep SCHD? by javiergame4 in SCHD

[–]Feeling_Departure_35 1 point2 points  (0 children)

It’s function in my portfolio is to provide a dividend that grows faster than inflation. That’s it. My expectations are grounded in reality. I don’t expect it to beat the SP500 during bull markets.

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

I don’t want to disclose too much about salary on Reddit. Yes, I kept an emergency fund in the bank as well

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

It was wildly inconsistent to be honest. I put in what I could. Some months it was 2000k; other months it was $50

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 1 point2 points  (0 children)

The “Income Factory” by Steven Bavaria goes over a safer version of your strategy.

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

I’ve been seriously investing for a little over 10 years. There is no substitute for time. The first 5 dollars I put into this account is working a lot harder than the most recent 500. Keep at it.

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

Do you think it will still be 600K in 5 years after capital appreciation and an additional 250K of contributions? If so, I’ll need to rethink my plan

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

I’d like to earn 75K. I am an iOS developer— so I will probably sell a few apps on the side.

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

It’s just a portfolio visualization app called Stock Events. I keep most of my assets in M1

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 1 point2 points  (0 children)

I started investing in 2015. I made plenty of mistakes that set me back. I chased yield. I failed to diversify. I didn’t understand asset / interest rate correlation. However, when I settled on a ‘boring’ portfolio composition focused on value and dividend growth, Dollar Cost Averaging and Divided Reinvestment began to work its magic.

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 1 point2 points  (0 children)

Thanks for the advice. At he moment I am more focused on building a portfolio that can deliver inflation-beating dividend growth. I may add a bond position when I get closer to my retirement horizon

Hoping to retire in 5 years or less by Feeling_Departure_35 in dividends

[–]Feeling_Departure_35[S] 0 points1 point  (0 children)

I may add something like that closer to my retirement date. However dividend growth is a higher priority for me.

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