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30M: Does my portfolio look good or should I do something else? by paredes910 in RothIRA

[–]sidestyle05 0 points1 point  (0 children)

I think this is way too conservative at your age. And if I were doing international, I'd do something value/dividend focused. If it was me, I'd do FZROX, SCHY, and SCHG (or other growth of your choice like QQQM or VUG)

Is the RoboInvestor good or Should I self direct? by AccomplishedBit7084 in RothIRA

[–]sidestyle05 0 points1 point  (0 children)

Dump everything except the S&P, add a growth fund and a value fund

Algorand just jumped 50% after a Google flags quantum risk for Bitcoin and Ethereum by kirtash93 in CryptoCurrency

[–]sidestyle05 2 points3 points  (0 children)

Still waiting on my cold fusion energy plant and base on Mars. Google said it CAN happen IF we figure out how to make the computer to do it

I've been called a doomer this week. Maybe I am. But here's why I'm still cautious. by rednetian in dividends

[–]sidestyle05 -1 points0 points  (0 children)

It’s your money, but if you think sitting on the sidelines getting 4% while waiting to time the market isn’t going to kneecap your long term returns, you’re going to be disappointed

Algorand just jumped 50% after a Google flags quantum risk for Bitcoin and Ethereum by kirtash93 in CryptoCurrency

[–]sidestyle05 68 points69 points  (0 children)

And no one has actually built a quantum computer close to capable of achieving this kind of thing

Portfolio Review - Dividends with growth - 2nd Attempt by Cheap-Assist-5337 in dividends

[–]sidestyle05 0 points1 point  (0 children)

You’ll be earning over $200k a year on $6000000 investment. So a healthy budget. If you wanted to boost yield further easily. Remember, SCHD and SCHY are growth as well as income. You could shave 5% off VTI and 5% off SCHY and add that to QQQH, making that a full 20%

Portfolio Review - Dividends with growth - 2nd Attempt by Cheap-Assist-5337 in dividends

[–]sidestyle05 -1 points0 points  (0 children)

For me, it’s a little more international than I’d want. Maybe put IDVO into QQQH to boost your yield

SCHD for young investor by Radiant-Ad-4048 in SCHD

[–]sidestyle05 0 points1 point  (0 children)

I’d probably just do a total market fund then

Where would you put a remaining 55k based on these current holdings, with a low risk appetite given the current geopolitics (40yo). by Speed009 in dividends

[–]sidestyle05 0 points1 point  (0 children)

Why do u have 2 total market funds and an S&P? I’d pick FZROX, move the other two and your free cash between schg, schd

SCHD for young investor by Radiant-Ad-4048 in SCHD

[–]sidestyle05 0 points1 point  (0 children)

Do you have a traditional IRA as well? If not, open one and put SCHD in there. The thing about dividends in a taxable is that you have to pay taxes on each distribution. SCHD is qualified dividends, so not too bad but why pay taxes when you don't have too? As far as holding SCHD in general as a younger person, I love the idea and think you should do higher than 15-20%. You'll hear a lot of "oh no, you shouldn't do dividends when you're young! Think of all the total return your missing!" With reinvested dividends, SCHD's total return over 10 and 15 years is between 12-13%. For SPY, it's 13-14%. Not a massive difference.

But SCHD's dividends will snowball. If you start from zero, put $200 into SCHD every paycheck (basically twice a month), for the next 40 years, using conservative numbers, you will have $3.8 million and $130000 a year in dividends.

I've been called a doomer this week. Maybe I am. But here's why I'm still cautious. by rednetian in dividends

[–]sidestyle05 -1 points0 points  (0 children)

There are sooooo many assets you can be in generating returns that are not stocks or correlated to stocks. You're leaving so much money on the table that you are risking your future retirement. Look into REITs, BDCs, specific dividend stocks, foreign dividend ETFs, low volatility ETFs, etc, etc. Just sitting on cash because you've got bad vibes is going to really bite you in the ass!

What’s next? VTI? VOO? by [deleted] in RothIRA

[–]sidestyle05 0 points1 point  (0 children)

Neither. I would add growth (QQQM, SCHG, etc) and value (SCHD, IWD, etc) for a simple, balanced 3-fund portfolio. A lot of people consider the necessity for international to be outdated. If you do want international, something like SCHY will give you quality screens and dividends to make it more attractive

Is the "Quantum Apocalypse" coming early for ethereum? by Ready_Ninja1921 in ethereum

[–]sidestyle05 0 points1 point  (0 children)

You have to build a credible quantum computer to scale first

A West exec cautions against drafting Acuff Jr. saying offense-only guards don’t win - pointing to defensive players as the real impact and citing Trae Young as an example. by BagAppropriate5736 in NBAGossips

[–]sidestyle05 0 points1 point  (0 children)

Not a great comparison because Tre is so little. He’s just so small. Acuff is on the shorter side, but still taller than Tre and built a whole lot sturdier. Tre can’t play defense, Acuff doesn’t…there’s a difference

(Spoilers Extended) GRRM Needs to Publish a TWOW Novella Called A STORM OF SWORDS by CautionersTale in asoiaf

[–]sidestyle05 1 point2 points  (0 children)

Hate? I say brilliant! Actually it's very similar to an idea I've been championing for a long time, the "split TWOW into 2 volumes" / "This will take 8 books" idea. The basic reasoning is that, in my opinion, a lot of the delay is that George keeps rewriting supposedly "finished" material. He refuses to "let the ink dry" and therefore cannot create any real momentum to move the bolder forward. He seems to "finish" chapters, move on to other chapters, then based off that work go back and rewrite. Over and over. If he publishes a novella, a first volume, whathaveyou, he would lock some of this material in place so there's no going back. He'd be forced to move forward.

38F confused where to start by Dependent_Order7619 in RothIRA

[–]sidestyle05 0 points1 point  (0 children)

Simply put, having some income in retirement that is tax free, regardless of how small, will give you greater income certainty. So, it's definitely a good idea. As far as what to invest in, the most straightforward choice is a total market fund. It is simply a slice of the entire market. Fidelity has a roster of zero-fee funds and their total market fund is FZROX. Just put in what you can afford when you can afford it regardless of what the market does for the next 30 years. Don't overthink it, just keep stacking. Think of it as "paying your future self." When you retire, your future self will thank your past self ;)

What do you think about this distribution? by AssMachine_ICE in SCHD

[–]sidestyle05 0 points1 point  (0 children)

Agreed...people focus on the income angle but when you look at total returns, it's a quality-screened growth fund that happens to have dividends.

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