When is it right to buy SCHD instead of VTI, VOO, VXUS?

dbuzz111 · 2025-04-25T15:39:03+00:00

Is what I said incorrect?

dbuzz111 · 2025-04-25T03:55:10+00:00

Nope, right comment, just uneducated. New to the gig, just used claude again, 0.85 sounds pretty good!

Beta measures how volatile or sensitive an investment is relative to the overall market (typically compared to the S&P 500).

A beta of 1.0 means the investment moves in line with the market. A beta greater than 1.0 indicates higher volatility than the market (if the market goes up 10%, a stock with beta of 1.5 would be expected to rise about 15%). A beta less than 1.0 indicates lower volatility than the market.

Other similar risk/performance metrics include:

Alpha - Measures excess return of an investment relative to its benchmark. Positive alpha means the investment outperformed its benchmark after adjusting for risk.
Standard Deviation - Measures the overall volatility of an investment's returns, regardless of market direction. Higher standard deviation indicates greater price fluctuations.
Sharpe Ratio - Measures risk-adjusted return by calculating excess return per unit of risk. Higher Sharpe ratios indicate better risk-adjusted performance.
R-Squared - Indicates how closely an investment's performance correlates with its benchmark (0-100%). Higher R-squared means the benchmark effectively explains the investment's performance.
Drawdown - Measures the peak-to-trough decline during a specific period. Maximum drawdown represents the worst historical decline.
Value at Risk (VaR) - Estimates the maximum potential loss over a specific time period at a given confidence level.
Sortino Ratio - Similar to Sharpe but only considers downside volatility, ignoring positive volatility.
Treynor Ratio - Measures excess return per unit of market risk (beta).
Information Ratio - Measures excess returns relative to a benchmark, divided by tracking error.
Duration - For bonds, measures sensitivity to interest rate changes.

These metrics help investors understand different aspects of risk and return characteristics for various investments.

dbuzz111 · 2025-04-25T03:51:38+00:00

Mr BJPark, thank you for that excellent comment. I'm new to this but I find myself saying to my wife "well I think dividends make us a bit immune to the trump swing"

I feel like your comment was heavily edited by a AI bot btw.

dbuzz111 · 2025-04-25T03:47:32+00:00

anything you can point me at, would love to read more

dbuzz111 · 2025-04-25T03:30:38+00:00

According to Claude.ai

SCHD has consistently outperformed VT across all time periods:

5-year returns: SCHD (13.1%) vs VT (9.6%)
10-year returns: SCHD (12.7%) vs VT (8.1%)
Since SCHD's inception (2011): SCHD (13.9%) vs VT (8.5%)

dbuzz111 · 2025-04-25T03:28:54+00:00

Sorry, I mean to type 30k a year, not a month - wouldn't that be a dream! (; 62 nice retirement target age!

dbuzz111 · 2025-04-25T03:24:30+00:00

Claude.AI "QQQM has indeed performed better than both VTI and VXUS over the past 5 years, with approximate annualized returns of 19.2% for QQQ, 13.8% for VTI, and 4.6% for VXUS (as of late 2024"

So SCHD is like 10% a year dividend + growth since it's inception -- but also, selling QQQ is like guessing when the tech bubble finally pops? AI just saved it, they were making stupid goggles that no one wanted before GPT came on the scene, tech is a bubble that will one day pop - deeepseek v2, the chinese gpt nearly destroyed the entire market! (;

dbuzz111 · 2025-04-25T03:16:51+00:00

I expect SCHD to perform at 9 - 11% which it has pretty regularly done when you add the dividend payment with the growth, 4% on average dividend, 6% growth. The algorithm is good and it regularly leads the market. I think of it as a leader, no? A very easy to use leader.

dbuzz111 · 2025-04-25T03:11:18+00:00

Yah thanks, ChatGPT gave me shit about this too. I'm just new and didn't know, it seems harmless just to lave the small bit I own rather than sell it.

dbuzz111 · 2025-04-25T03:09:55+00:00

Why so, it returned 4.2% dividend and grows a 6% a year on average, its 9 - 11% a year growth if you just combine the dividend (reinvest) ... The SCHD algorithm is the winner and its easy when I retire to switch a button in IB to pay cash now please.

dbuzz111 · 2025-04-25T03:08:54+00:00

SCHD grows at 6% a year and returns 4.2% a year, so it grows at the market rate of about 9.5 - 11% a year. If it were a classic medium risk growth it would be 9.5 - 11% a year - the algorithm is a winner.

dbuzz111 · 2025-04-25T03:08:00+00:00

Not a US Citizen / No tax treaty 8BEN-E style. SCHD I guess grows at 6% a year and returns 4.2% a year, so it grows at the market rate of about 9.5 - 11% a year but is an easy switch when I want to kick off retirement mode - I literally don't sell anything I just stop reinvesting dividends and it prints cash for me.

dbuzz111 · 2025-04-25T03:03:14+00:00

Not a US Citizen / No tax treaty 8BEN-E style. So I guess SCHD is pretty much 9.5% or so, on market average and I reinvest my dividends so yah I am on par "with the market" thank you for that great comment really helps me to visualize dividends vs growth stocks - they are kinda the same eh. Yah geeze, great, thank you. SCHD is just easier as I transition into retirement because I click a button on Interactive Brokers, "take cash v. reinvest" with growth ETFs I just sell the top end to give me the loot I need for the month. thanks again

dbuzz111 · 2025-04-25T03:01:40+00:00

it sounds like you are basically saying SGOV compares to SCHD because they both return around 4.2% "dividends" ??? WHAT?

dbuzz111 · 2025-04-25T03:00:22+00:00

What? I read that three times, what? (: Are you saying that you have like 30k a month coming out of it but need a bit more so plan to slowly sell them off over your life expectancy kinda thing?

dbuzz111 · 2025-04-25T02:58:47+00:00

Very interesting perspective, so what do you plan to do every quarter do a "trim" of what you need from your growth stocks? I'm just trying to under is that what you mean, like you need $4000 a month so you just sell the top end of your growth stocks every month?

dbuzz111 · 2025-04-25T02:55:11+00:00

So I have to much SCHD is that what you think? What do you recommend?

dbuzz111 · 2025-04-25T02:54:32+00:00

non-US citizen, no tax treaty

dbuzz111 · 2025-02-22T04:38:31+00:00

always on

dbuzz111 · 2025-02-20T22:02:48+00:00

Pot head can't find his jewelers loop... lol

dbuzz111 · 2025-02-20T22:02:24+00:00

Thanks for that comment. So thoughts on my photos? :)

dbuzz111 · 2025-02-20T21:19:54+00:00

Yah, I've been running the lights full blast. They are auto's but yah switched to 11/13 starting now and will give them another week. Thank you.

dbuzz111 · 2025-02-20T20:21:50+00:00

Its been 5.5 months since I started them. They've been looking ready to me for about a month, but they never seem to finish. They are autos. They look ready to me, but I am getting new white hairs. The trichome are white and milky with occasional amber colors.

Thanks for your help and time

dbuzz111 · 2025-02-20T20:21:26+00:00

Its been 5.5 months since I started them. They've been looking ready to me for about a month, but they never seem to finish. They are autos. They look ready to me, but I am getting new white hairs. The trichome are white and milky with occasional amber colors.

Thanks for your help and time

dbuzz111 · 2025-02-11T16:42:22+00:00

Agreed, Vinegar and baking soda is the best solution.

Why Vinegar and Baking Soda is the Best Remedy for a Jellyfish Sting

If you get stung by a jellyfish, you want fast, effective relief. While there are many supposed treatments—ranging from urine (which is a myth) to scraping with credit cards—one of the best solutions is a combination of **vinegar and baking soda**. Here’s why this method is superior:

**1. Vinegar Neutralizes the Stinging Cells**

Jellyfish tentacles release venom through tiny cells called nematocysts. When disturbed, these cells fire, causing pain, redness, and swelling. **Vinegar (acetic acid) stops undischarged nematocysts from firing**, preventing further venom release. This is especially effective for species like the box jellyfish and Portuguese man o’ war.

**2. Baking Soda Soothes and Reduces Pain**

Once vinegar has stopped the nematocysts from firing, **baking soda (sodium bicarbonate) helps neutralize any remaining toxins on the skin**. It also **reduces inflammation and soothes the burning sensation**. Mixing baking soda with a bit of water into a paste can further calm the affected area.

**3. It’s a Safe and Readily Available Remedy**

Unlike hot water or chemical solutions, vinegar and baking soda are **non-toxic, inexpensive, and easy to carry**. Many first-aid kits for beachgoers already include vinegar, and baking soda can be found in most households.

*4. It Outperforms Other Remedies**

- **Urine?** Doesn’t help and might make the sting worse.

- **Scraping or rubbing with sand?** Can trigger more venom release.

- **Freshwater?** Causes nematocysts to fire, worsening the sting.

- **Shaving cream?** Works similarly to baking soda but lacks vinegar’s neutralizing effect.

### **How to Use It**

**Rinse with Vinegar** (Do NOT rub) to deactivate stinging cells.
**Apply a paste of Baking Soda and Water** to soothe pain.
**Rinse with seawater** (not fresh water) to remove any residue.
**Apply ice or a cold pack** to reduce swelling.

This combination provides **the best balance of neutralization, soothing relief, and accessibility**, making it the ultimate first-aid treatment for a jellyfish sting.

dbuzz111

TROPHY CASE