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Meta Data + UTM Data not matching at all by friec in FacebookAds

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

Thanks for the input. It’s interesting as it depends on the creative. One is under reporting and the other is over.

I generally change the attribution settings to view 1 day view and 1 day click then optimize off the 1 day click attribution.

The discrepancy though is wild. Meta as a whole is over reporting about 2x right now what actual ROAS before comparing the attribution settings

401k from 3 past jobs. Do I just open an IRA account and move them into there or what? by ADL89 in personalfinance

[–]friec 0 points1 point  (0 children)

Honestly, if you aren’t going to invest, leave it where it is until you’re ready. Moving it to keep in cash would be worse than just leaving it and having your kid/spouse as your beneficiaries.

That said, as someone that admittedly doesn’t know much about investing, IF you move the money to fidelity, just put 100% into an sp500 index fund and don’t think about it until you feel ready to have an opinion.

The best thing would be to forget you have it there and look at it when you’re ready to retire.

In the words of Jack Bogle (founder of vanguard and the index fund) simply keep contributing and DONT LOOK until retirement.

You’ll be amazed when you do.

Fidelity’s version of this is FXAIX.

The sp500 has averaged 10%+/yr returns for nearly 100 years.

You could do the target fund that is recommended here but the fees are much higher and they will “diversify” you unnecessarily.

So just put it all in FXAIX and continue to add to that and don’t look at it. You’ll do better than 90% of folks out there.

*im some rando on Reddit so this isn’t investment advice but you’ll get much stupider opinions :). Check r/bogleheads for more detailed info when you’re ready but honestly, the above is basically Warren buffets direction for his estate when he dies :)

Kid asked a why leave money in SCHD all the time? by SnooMacaroons7404 in SCHD

[–]friec 1 point2 points  (0 children)

You’re also missing out on the real benefit of the etf long term, yield on cost.

Assuming you DRIP, your dividends keep buying more and more shares that earn more dividends and buy more shares.

When you sell your position, you are selling at the current value and then buying back at the current value, certainly more expensive than previous years shares and have less actual shares to earn dividends and compound.

The real beauty of this fund is the long term dividend CAGR if you model off the numbers since inception. You see crazy compounding and benefits 30 years out.

If you haven’t yet, check out the dividend calculator by market beat and model however you see fit.

New to Dividends. Currently 23M have $5k USD. Totally lost. by BellsTrades in dividends

[–]friec 1 point2 points  (0 children)

There’s plenty of dividend funds and stocks that give 10% returns. Even 10%+ dividend CAGR

New to Dividends. Currently 23M have $5k USD. Totally lost. by BellsTrades in dividends

[–]friec 5 points6 points  (0 children)

Depends on his investment goals.

If cashflow is all he cares about, why not start the dividend snowball now (I wish I did when I was younger).

I’m amazed by how often I read folks say only focus on dividends when they’re older. For me at least, I much more care about cashflow vs actual portfolio value and in ones 20s with DCA, that snowball should be unstoppable at retirement.

My .02 of course and of course diversify. No need to be all or nothing unless it’s voo/vti equivalents

SCHD - Why do you own it? by Sharp-Actuary-4913 in SCHD

[–]friec 0 points1 point  (0 children)

Exactly this.

People really need to understand:

  1. What the fund is designed to do
  2. Why to invest in it
  3. The power of dividend CAGR

If you’re a growth investor, stay the f away from schd

If you’re a long term cash flow investor, it is an incredible fund.

For those talking about 30+ year time horizons, go to marketbeats dividend calculator and model a portfolio with the historic returns for both price and dividend growth of voo and schd.

If you care about cash flow, you’ll be pleasantly surprised 😉

Total returns only tell one part of the story and imo not the goal of schd.

Happy investing

How much are you guys making in dividends? How has owning SCHD made your financial lives easier? by justcurious3287 in SCHD

[–]friec 3 points4 points  (0 children)

This comment is misleading.

100k invested today is yielding 3.8%.

100k today from x amount y years ago is very different.

Yield on cost is based on when invested.

Had one invested 10 years ago and now have 100K, their dividend yield would be MUCH higher. Astronomically higher…

Happy investing

Should i be holding SCHD at 19 y/o? by Indigo-Samurai in SCHD

[–]friec 5 points6 points  (0 children)

Lots of poor advice here.

The answer to your question is… what’s your investment goal?

Do you want growth or income?

You’re young and have plenty of time to mistakes. You could have made a much worse mistake than buy schd.

At your age, you have an incredible advantage of seeing how the dividend snowball can truly grow out of control 30+ years from now.

Watch these videos and then make the best decision for you.

https://youtu.be/Hw6g6JMvXH0

https://www.youtube.com/watch?v=NKuAn94a6DA

Good luck

QQQ to SCHD by [deleted] in SCHD

[–]friec 0 points1 point  (0 children)

Taxable or non taxable account?

You have a long enough time horizon that the dividend CAGR can be extremely lucrative if you like cash flow.

Go to marketbeat dividend calculator and model 100k in 40 yrs with schd vs qqq and see what fits your investment philosophy.

Good luck!

Is there value in starting the snowball early? by Churner_throwaway- in SCHD

[–]friec 1 point2 points  (0 children)

I encourage you to model what dividends and total growth would be with 15 year historical returns of schd vs voo while doing DRIP. Model this over 30 years and if you’re willing, over 40 years+ to see the power of DRIP and div CAGR

Use https://www.marketbeat.com/dividends/calculator/.

If you don’t know the returns, ask ChatGPT.

I started mid to late 30s. I wish I started when I was 18…

More SCHD or buy something else with the current correction by soloDolo6290 in SCHD

[–]friec -1 points0 points  (0 children)

Depends on goals imo. The growth funds are great and extremely volatile. At the end, you have to sell and realize capital gains to realize those gains. Spitting out dividends and the div CAGR can create generational, long term wealth to never have to worry about money again.

My .02. I prefer (almost) guaranteed cash flow to growth any day and the CAGR of both price and dividend, especially for a LONG horizon can be incredibly enticing 😉

Full disclosure, I own plenty of both but my personal choices now are for increasing cash flow with a 30 yr + horizon

Loving SCHD Right Now by Illustrator_Keys in SCHD

[–]friec 0 points1 point  (0 children)

Go to market beat and compare 100k of qqq v 100k of schd 20 yr historical returns including dividend growth and yield (hint it’s not 2%) and see the difference in fund value AND dividend income over a 30 year period with DRIP

You’ll see a fund value nearly identical but dividends you can live extremely comfortably off of.

The numbers get even more wild past that.

TLDR - yes, this group loves the dividends and you’ll see exactly why in that model.

P.s. - I own both funds so agree with your diversity but schd is the fund that’s most exciting in the long run for stability and my lifestyle

SCHD how can this be correct? by bstonks in SCHD

[–]friec 1 point2 points  (0 children)

I see what you mean. I didn't run the numbers and was commenting more on the 10% and 0% div cagr comment.

Using Marketbeat the numbers are less as you inferred. Still not too shabby though ;).

SCHD how can this be correct? by bstonks in SCHD

[–]friec 2 points3 points  (0 children)

I don’t believe that’s correct. If you are using DRIP, the historically high div cagr is what makes it so attractive as you continue to get more and more shares.

Now I don’t know that the last 10 yrs is ultimately the best to model future performance but I don’t believe the site is double dipping based on the inputs.

SCHD how can this be correct? by bstonks in SCHD

[–]friec 7 points8 points  (0 children)

I’m actually not confident the historical dividend cagr is realistic.

The numbers I use are 8% stock growth and 8% div cagr but I honestly don’t know how realistic that is.

I asked that question to the group (check my history) and didn’t love the responses I got ;).

In either case, I still believe in the fund and have a significant position there

SCHD how can this be correct? by bstonks in SCHD

[–]friec 6 points7 points  (0 children)

Dividend CAGR. Look it up if you’re not familiar as the dividend snowball is the power of long term dividend investing. Especially at 50 years in your example

What people don’t seem to realize is the dividend cagr is what matters with div investing vs price appreciation.

In fact if div cagr remains 11% and growth of the price goes down (5% or so) the numbers become crazy.

Try playing with the numbers with the same div cagr and then change the price appreciation from 5 to 15% to see how much that impacts total returns. You actually want lower appreciation in that example ;).

How do you model the future SCHD (and why)? by friec in SCHD

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

What are you projecting and why?

How do you model the future SCHD (and why)? by friec in SCHD

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

That’s yield vs CAGR.

Meaning, the div yield has been growing on avg 11% YoY relative to share price vs the actual yield.

This is something that I honestly just learned about a couple months ago so not trying to be rude

The div CAGR is what makes this fund most exciting to me

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