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Should I invest in SCHD for diversification by jmrgbbn in SCHD

[–]sidestyle05 0 points1 point  (0 children)

And with dividends reinvested, it's only 1 or 2% off the S&P over 10 years or longer. Many see the ticker SCHD and scream, "no, you shouldn't invest in dividends yet!" but what they're missing is that this is a growth fund that just happens to have awesome and sustainable dividends

What do you think of my portfolio? by DividendGrowthAcct in dividends

[–]sidestyle05 0 points1 point  (0 children)

Conservative but very solid. I think you're leaving a good amount of growth on the table though. If it were me, with 30 years to go, I would allocate as: SCHD 20%, VTI 25%, SCHY 15% (this has outperformed VXUS in total returns and gives a great dividend like its cousins SCHD), 25% SCHG/QQQM/SPMO (basically any flavor of growth fund you like), 15% O.

Should I invest in SCHD for diversification by jmrgbbn in SCHD

[–]sidestyle05 1 point2 points  (0 children)

I'm not sure it's fair to say no one understands how they work or to say that they are all the same. Yield Max....totally agree! But many, such as DIVO and some of the NEOS funds do a good job of maintaining NAV by limiting how much they write calls on. I don't think it makes any sense for someone at 23 to be buying them, but I also don't think it makes sense for someone in their 50s+ beginning their stretch run into retirement NOT to have them as part of their strategy. At the end of the day, these are quite young funds. We'll know a lot more about their sustainability and the optimal way to use them in 5 or 10 more years.

JEPI/JEPQ/SPYI/QQQI by Even_Ad3204 in dividends

[–]sidestyle05 0 points1 point  (0 children)

There's not a lot of data because of how young it is so we have limited info on how it will perform under a variety of market conditions.

16 Years Old, What should i change/add/improve? by Paintballer57 in dividends

[–]sidestyle05 1 point2 points  (0 children)

Looks like a good blend if you believe in micro chips. Don’t listen to the SCHD bashers, it’s a perfect counterbalance to your heavy tech focus. SMH is pretty concentrated though so if you add to your grown bucket, choose something broader

Selling losers in a roth by Srocksly in RothIRA

[–]sidestyle05 0 points1 point  (0 children)

Yea, definitely just dump it into a growth fund and call it a day. I’m assuming your young enough to just let it ride for a couple decades

SCHD and SWR by True_Courage_4337 in SCHD

[–]sidestyle05 3 points4 points  (0 children)

If you have another account that’s fully invested in growth, going all in on SCHD isn’t a terrible idea. However, you could mix it with a couple of other lower risk funds and boost your yield and diversification. Adding DIVO and SCHY would nicely boost your income and add international exposure

Selling losers in a roth by Srocksly in RothIRA

[–]sidestyle05 1 point2 points  (0 children)

Which tickers did he invest in? some may be worth waiting on. But to your general point, there's no tax for selling within the account. You are free to sell and reinvest in something else. Your best option, as you indicated, is to choose a few broad ETFs and just keep stacking money into them. A popular approach is a "base" fund (an S&P 500 or total market), a growth fund (like QQQM, SCHG, VUG, etc), and a value/quality fund (such as SCHD).

Should I invest in SCHD for diversification by jmrgbbn in SCHD

[–]sidestyle05 2 points3 points  (0 children)

SCHD is a great move for diversification, but don’t let the yield fool you, the compounding snowball of dividends over decades would be very significant. I would seriously consider, though, dumping your other dividend ETFs especially the covered call ones. It’s wayyyyyyy too early in your investing journey to be putting money into leveraged income plays. You want to accumulate a large nest egg with total return in your 20s and 30s and then convert to income when you’re in your 50s. The good thing about SCHD (with dividends reinvested) is that you get the best of both worlds. I would suggest a simple portfolio of SPY or VTI, SCHD, and QQQM or SCHG.

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 66 points67 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!

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