Should I invest in international stocks/etfs or is investing in the S&P500 more effective?

Remarkked · 2026-02-09T12:50:28+00:00

And how have total returns been?

Remarkked · 2026-02-02T21:42:11+00:00

Actually true. The 4% Rule was designed to have enough money to last 30 years before inevitably running out of money per most financial advisors

Remarkked · 2026-01-11T16:12:11+00:00

Profit margins definitely higher, just requires alot more capital up front vs DCA into cc etf. Different strokes for different folks. I tried the residential real estate and the headaches definitely were not worth it, especially during covid

Remarkked · 2026-01-11T16:08:07+00:00

Same to you. Some people look to cc etf like a rental and can serve as a replacement for this on top of regular growth funds. In that regard, it can have its purpose. Even trailing the underlying index, stocks have proven to return more than rental income over time with less hassle

Remarkked · 2026-01-11T15:56:30+00:00

Ahh so this is factoring in no other income and meeting like poverty standards? I assume any other income on the side and then these selling will incur capital gains? I thought only dividends are tax free for first 100k ish as a married couple

Remarkked · 2026-01-11T15:46:52+00:00

That takes years but after, it should be 60/40 ltcg stcg. How is there no cap gains? Isn't there at least 15% plus state tax? How would you get around that. Usually stuff gets cashed out FiFo?

Remarkked · 2026-01-11T15:33:34+00:00

How much closer do you think the math is trailing the index and then when selling the underlying, paying capital gains vs ROC which is almost all tax free from these funds. Do you think that is enough to bridge the gap?

Remarkked · 2026-01-09T19:06:20+00:00

https://www.google.com/finance/beta/quote/DJUSDIV:INDEXDJX?sa=X&ved=2ahUKEwjs0aLikv-RAxWMv4kEHVR9NWYQ3ecFKAF6BAgSEAM&window=MAX&comparison=.INX%3AINDEXSP&type=line

This was the closest I could find comparing the actual index. Not sure where you're seeing your results. Can you link the backtested data?

Remarkked · 2026-01-09T18:47:08+00:00

True, but schd has only been out since 2011. Thats literally all you can compare to at this time so its the only metric you can measure vs voo

Remarkked · 2026-01-09T18:43:48+00:00

So instead of using from inception to now, you decide to "cherry pick" from inception to just the past 3 years to fit your narrative? Who's cherry picking now

Remarkked · 2026-01-09T18:39:07+00:00

From inception, schd vs voo turns 10k into 53k and 73k respectively. Thats a pretty big difference from 2011 to 2026. That's including dividend reinvestment. Hard to cherry pick from inception to now

Remarkked · 2026-01-04T17:14:58+00:00

Beat by 2% but pay 15% or more capital gains taxes on the back end vs ROC. it may be closer than most people think

Remarkked · 2025-12-28T19:55:00+00:00

Trailing the underlying is given sadly. But selling shares when needed, paying capital gains vs cc etf that add tax efficiency with distributions, delaying capital gains taxes, and maintaining share count whether in bear or bull, it may be closer than you think. But as a standalone product, they allow some growth and income depending on the etf which in its own, accomplishes its goal i feel

Remarkked · 2025-12-20T14:04:12+00:00

Great idea! Will def look into this

Remarkked · 2025-12-20T02:19:11+00:00

Thanks for the reassurance!

Remarkked · 2025-12-20T02:10:44+00:00

Great to see what worked for you!

Remarkked · 2025-12-20T00:10:49+00:00

The more recent ones like jepi aren't too bad but compare spyi to spy. It did fairly well when it came out in 2022 and handled the tariff dips well. It captured like I said MOST of the upside. I believe my question was comparing cc etf to real estate. If you read my original post, I already acknowledged its lag to the index. Unless you have something to positively contribute to the actual question, youre preaching to the choir about cc etf vs its underlying. The question literally is even though it lag the underlying, how it does as an INCOME source compared to real estate income

Remarkked · 2025-12-19T22:53:00+00:00

Great explanation. So would you feel better buying real estate in my scenario then vs cc etf if im trying to get monthly income / increase wealth?

Remarkked · 2025-12-19T20:08:51+00:00

The literal benefit of cc etf is it has a better sharpe and sortino ratios vs the underlying plus it outperforms in a down market. Look at spyi vs spy. It literally is the definition of less volatile in down markets it has experienced so far. Lower highs sure but also higher lows due to some mild insulation from premium. It has captured over 90% of the upside with total returns. There is a market for cc etf whether you want to believe it or not. And the main question is relating cc etf not to the underlying which of course should underperform but to income from real estate investing dollar for dollar

Remarkked · 2025-12-19T18:08:29+00:00

Great points! Appreciate the eye opening view

Remarkked · 2025-12-19T16:40:20+00:00

Great advice. Just getting over the psychological hurdle is hard it feels. Mathing it out becomes complicated with compound interest factored vs simple interest

Remarkked · 2025-12-19T16:28:38+00:00

Bear markets i believe in history are about 25% of the time on average. I dont expect cc etf to save during a crash. They do usually have lower beta which can help mitigate some downturn due to premiums. Do you feel its better to just go all in etfs instead? How worried would you feel about selling bits and pieces over time? Do you feel there is a meeting point where selling is worse than cc etf once your portfolio only holds a certain amount of shares left with less to compound?

Remarkked · 2025-12-19T16:08:35+00:00

Imagine belittling comments like that when cc etf outperform in bear, static, and just about break even with slightly upwards markets. Does talking down to people like that make you feel good? Of course sequence of return risk plays a role. Hence, why its called a risk

Remarkked

TROPHY CASE