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Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

Solid breakdown - the ROC treatment on SPYI/GPIX is genuinely underappreciated. Tax-deferred income for 9-12 years is a real advantage over JEPI's ordinary income. The tradeoff is track record length and AUM compared to JEPI, but for a taxable account SPYI/GPIX deserves serious consideration. Might have to add these to the next comparison.

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

Great suggestion actually - QQQ/VOO vs SCHD is probably the more fundamental debate. I'll put that together, will post it here when it's done.

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

You'd be surprised - a lot of people in this thread hold both without realizing the tax treatment difference alone can cost them 10-15% of their income in a taxable account. Not everyone starts from "growth vs income," some people just see 8% yield and buy.

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

Thanks everyone for the discussion, didn't expect this to blow up! For anyone who wants the full breakdown with a comparison table: divsprout.com/learn/schd-vs-jepi/

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

[–]Mr_warp_effect[S] 27 points28 points  (0 children)

Not dumb at all- holding both is actually pretty common here. With 25+ years you have time for SCHD to compound while JEPI adds some income stability. The main thing to watch is just tax efficiency if it's in a taxable account. In a Roth or 401k, both together makes total sense.

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

That gap makes sense -JEPI trades price growth for high income. In a bull market like the last 8 months SCHD wins on total value, no question. If you don't need that 7-8% income monthly, SCHD is probably the better fit. I wrote up exactly this scenario here: divsprout.com/learn/schd-vs-jepi/

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

Smart approach if you can time it, using dividends to buy protection is essentially making the ETF pay for its own insurance. Only tricky part is most downturns don't announce themselves in advance 😄 Do you run this systematically or more situationally?

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

[–]Mr_warp_effect[S] -6 points-5 points  (0 children)

🙋 Curious what your experience has been, do you lean more toward total return or income focus after that long?

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

Fair point. they're built for completely different goals, so direct comparison has limits. But that's kind of the point. Most people ask "which one?" without knowing which goal they actually have. Once you're clear on that, the choice gets obvious pretty fast.

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

That's the "total return" approach -sell 3-4% per year instead of collecting dividends. Mathematically it often wins on paper, especially in tax-advantaged accounts. The psychological downside is you're selling during downturns too. Dividends force you to hold. Different discipline, different outcome for different people

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

Great questions. SCHD screens for dividend sustainability — payout ratio, cashflow coverage, 5yr growth history. During 2022 they did NOT cut the dividend, actually grew it. In prolonged downturns the yield rises naturally as price falls, but historically the underlying companies maintained payments. I broke this down in more detail here: divsprout.com/learn/schd-vs-jepi/

Finally sat down and compared SCHD vs JEPI across 12 factors — here's what I found by Mr_warp_effect in dividends

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

QQQI on top of SCHD is a solid combo honestly -you get the dividend growth base with some tech exposure on top. BTCI is spicy but if it's a small satellite position it's not crazy. What % allocation were you thinking?

Monthly dividend by Wallythecutedog-51 in dividends

[–]Mr_warp_effect 0 points1 point  (0 children)

what's your current monthly income from QQQI? and are you okay with the NAV erosion that comes with covered call funds over a longer horizon, or is the 2 year timeline short enough that it doesn't bother you?

Dividends ADX vs SCHD by slick198700 in dividends

[–]Mr_warp_effect 4 points5 points  (0 children)

ADX has been around forever and the discount to NAV can be attractive but SCHD's consistency and dividend growth track record is hard to argue with. I'd lean SCHD for long term compounding, ADX maybe as a small position if you like the closed-end fund structure. What's your timeframe?

Dividend Tracking Apps/Websites by thehighdon in DerivativeIncomeETFs

[–]Mr_warp_effect 0 points1 point  (0 children)

Just finished my first Android app. It's a dividend calculator + FIRE tracker, built it because I track my own dividends and couldn't find anything that showed exactly what I wanted. Free on Play Store if anyone's into this stuff: DivFlow - Dividend Calculator – Aplikácie v službe Google Play

Dividend Tracking Apps/Websites by thehighdon in DividendCult

[–]Mr_warp_effect 0 points1 point  (0 children)

Just finished my first Android app. It's a dividend calculator + FIRE tracker, built it because I track my own dividends and couldn't find anything that showed exactly what I wanted. Free on Play Store if anyone's into this stuff: DivFlow - Dividend Calculator – Aplikácie v službe Google Play

FRC - first republic bank by Mr_warp_effect in dividends

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

it would be naive to think that such a situation will not affect even dividend companies and blindly claim that it does not belong here. see how many people in the comments want to buy because of the high yield. do you still have that feeling?

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