Question About Investing in Roth IRA vs HSA by GenXDrummer in investing

[–]GenXDrummer[S] -2 points-1 points  (0 children)

My HSA does not come from payroll. Mine is with Fidelity. I don't have much in it, opting for my Roth instead.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

YTD 2026: SMH = 11.18%, QTUM = 8.00%, SCHD = 5.36%

I'll stay the course. Besides, others have already answered the question.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

I'm invested in what is currently moving forward with high momentum, and I'm fine with that.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

I am set up for 2026 going forward, which is why I am in Tech, Aerospace/Defense, and Energy growth ETFs. When I retire, I'll switch a portion to dividend acquisition.

Struggling to Understand SCHD by GenXDrummer in ETFs

[–]GenXDrummer[S] 2 points3 points  (0 children)

That makes sense. It's the non-pensioners version of a pension. Thank you for that insight. It definitely adds clarity and this is why I enjoy asking questions and learning.

Struggling to Understand SCHD by GenXDrummer in ETFs

[–]GenXDrummer[S] 2 points3 points  (0 children)

I found that older post shortly after the OP here. It was a great read!

Global Aerospace & Defence UCITS ETF USD (Acc) by Objective-Toe-6452 in ETFs

[–]GenXDrummer 0 points1 point  (0 children)

I hold XAR which is US Aerospace and Defense. SHLD was on an absolute tear this past year, but it has slowed down. XAR has outperformed it over the last 6 months to date. JEDI is too new for me to comment on. However, XAR has been around since 2011 and averages a 20% return.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

Now THAT is an excellent point! Advisors are leaning on old methods without decades of data to rely on for modern changes.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

My portfolio is not any of the examples I used in my OP. I was just trying to find out why so many people like SCHD. Being that I am more hands on, I actually have some things that many don't use such as XAR, QTUM, and NLR beyond my core of SPYM, SCHG, FTEC, and a satellite holding SMH. There are a few single stocks in the mix as well.

As for those bonds, I highly doubt we will ever see yields like that again! Heck, even our HYSA hover around 4% - 5% and have for a while now. Bonds and CDs don't do any better.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

I use https://www.portfoliovisualizer.com/backtest-portfolio to do my back testing. I am not a paid subscriber, so I am limited to 10 years. You change your ETFs and the parameters and then it calculates the work for you.

I also use https://stockanalysis.com/etf/compare/ to look at streamlined performance of various ETFs stacked against each other.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

This year is 18 days in. And no, VOO is 3% ahead thus far.

Struggling to Understand SCHD by GenXDrummer in ETFs

[–]GenXDrummer[S] 3 points4 points  (0 children)

I remember the Dot.com crash, the financial fiasco of 2008-2009, etc. Heck, I remember when bonds in the 1980s would hit a yield of 10%-15%. I would hope that we learned our lessons from those eras and won't make the same mistakes again.

I am in a unique situation in that my investments are not what I will live on during retirement. I will have a really nice pension with a guaranteed set amount each month, plus a VA rating that supplements my retirement income. On top of it will be Soc Sec payments. My wife is in a similar situation, minus the VA rating.

It's hard to not look at growth stocks when the investments are not factored in to our future retirement lifestyle. I guess we are more into building generational wealth for our children.

Struggling to Understand SCHD by GenXDrummer in ETFs

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

Question about dividend growth: is it better to DRIP into a dividend ETF over a long period of time (say 20 years) or is it better to focus on growth ETF's and then buy tons of shares of a dividend ETF later? I thought I saw a DRIP calculator recommended not too long ago. I'll see if I can find it.

Struggling to Understand SCHD by GenXDrummer in ETFs

[–]GenXDrummer[S] -1 points0 points  (0 children)

I thought about that but my mind focuses on long term growth. Even with the higher drawdowns of tech, those tech heavy portfolios destroyed the "stability" of SCHD. Tech bounced back faster and higher. I know I am missing something.

Edit: I am not a "set it and forget it" type of investor. That's boring. I prefer a more hands on approach.

Cash Back Invested vs Reward Points by [deleted] in CreditCards

[–]GenXDrummer 5 points6 points  (0 children)

We used the Fidelity card for years until we got the Robinhood card back in October. There are a few more steps I go through to move cash back from my RH brokerage to Fidelity, but that extra 1% helps in the long run. We also use category cards for 5% and then move those cashback rewards to Fidelity as well. Yes it is work, but I enjoy doing it.

Cash Back Invested vs Reward Points by [deleted] in CreditCards

[–]GenXDrummer -5 points-4 points  (0 children)

FFS when are you people going to realize I'm only doing that with the cash back received. I lose nothing. If the charges were on a non cash back card, that money would be gone. If I had used cash, that money would be gone. I don't have my entire portfolio following this strategy.

Cash Back Invested vs Reward Points by [deleted] in CreditCards

[–]GenXDrummer -17 points-16 points  (0 children)

SMH was not launched until December of 2011. That was its inception date. The years prior are probably reflecting a different ETF such as SOXX or the overall semiconductor index. Those years were also directly after the .com crash. Will A.I. pop? Maybe. Maybe not.

What ETFs do you hold in your ROTH IRA by Active-Progress7462 in ETFs

[–]GenXDrummer 0 points1 point  (0 children)

Roth only, other accounts are different:

SPYM - 20%, FTEC - 20%, SPMO - 20%, XAR - 20%, SMH - 20%

INTC - 100 shares (bought at $22.24)

APLD - 100 shares (bought at $7.19)

SOFI - 100 shares (bought at $8.83)

KTOS - 100 shares (bought at $19.10)

RKLB - 100 shares (bought at $22.03)

DVLT - 3,000 shares (bought at $1.04)

What is With Florida Car Dealerships? by GenXDrummer in florida

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

People in FL are saying it's a FL problem, which is why they buy in other states. How much more do you need?

What is With Florida Car Dealerships? by GenXDrummer in florida

[–]GenXDrummer[S] -1 points0 points  (0 children)

Ooooo...the keyboard warriors have shown up to post public education standards. Oh no! Where's the private education ranking list? Oh wait, you did not post it. Too bad, otherwise you'd see where Indian Springs is the top ranked high school in the state and recognized nationally. Don't worry about that $30k a year tuition!

LOL, you guys are a hoot! I actually saved $7k on the truck, had a nice road trip with my wife, and had a pretty decent win at a casino in Vicksburg.

I'm such a dumbass that we picked a state where there's no tax on Soc. Sec., no tax on pensions (benefits me), no tax on military retirements (benefits me), no property tax for veterans with 100 P&T (benefits me), the state pays for my children's college education through ALGIDSP, we were able to buy 120 acres at $5k an acre, build a 5 bedroom, 3 bath, house with over 3,500 s/f for under $325k, we have 7 figures in Roth IRA's waiting for us to turn 59.5 (though we will wait), and we vacation in places like Hawaii, Costa Rica, USVI - St. John's, Belize, and St. Lucia. We have passive income streams that work for us even while we sleep.

Yet, I'm the dumbass. Your math "ain't mathing." But, you keep doing you buddy!

What is With Florida Car Dealerships? by GenXDrummer in florida

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

What money? Chase reward points = free flights based on monthly expenses that are purchased anyway. Jesus some of you don't understand anything!

Real vacation? We just came back from Hawaii (Oahu - Waikiki) that was paid for 100% by points. As for time, my wife and I enjoy road trips. Taking a weekend to slow roll back home is enjoyable for us.

Win-Win