SCHD is 25% of my portfolio so far and continue to DCA into it every Friday, planning on doing this strategy until I need to start using the dividends. Nice video!!!
My current holdings are: SCHD 5K Shares SOXQ 750 Shares SCHG 750 shares JEPQ 100 shares VOO 275 shares VGT. 275 shares I'm 50 years old don't need the money, I'm adding approximately $3k to Flame my FIRE!
To be kinda blunt, I am giving up on investing in stocks... I put between 2000 to 3000 a month and it's nothing but down down.... Sooooo frustrating and I only invest in boring big companies. How can I capitalize in such a market?
Absolutely! Wealth is made in bear markets. We aren’t in a bear market, but nibbling heavy red days has proven to be fruitful for me over 4 years of investing. I am at 2.25 mil. Biggest positions VOO, VTI, SCHD, VYM, and now looking to build up DRGO alongside finding quality value/growth stocks to buy. I got $48k divs last year in taxable divs. Q2 taxable divs this year was $17,388 this year. Don't sell when the market is down. Having a skilled CFA that puts the time in to do in-depth research can be invaluable in strategizing your portfolio.
Can I try this? I need one to review my portfolio but anyone who is fee-based is hard to find and usually have a heavy workload. Would you be comfortable sharing a recommendation if it's not too much problem
any risk of putting a lump sum into SCHD and SCHG as I already retired and want to catch up. I don't need the money for daily living right now. assuming 10 year investment horizon. Thank you.
The only risk is short term volatility with a lump sum investment. However if you plan to just buy and hold this etf, it’s honestly better to just lump sum if you have the money, plus since you want to catch up. It’s better to just compound the dividends through lump sum investing while reinvesting the dividend and riding out the waves and cycles of the market, especially since you have a 10 year time horizon. Hope this helps!
I first heard about SCHD in the middle of last year. I currently have 169 shares. I've been increasing my dollar cost averaging, and now I am buying 8 or 9 shares per week. In about 3 years, I should have over $100k invested, and I will be 45 years old. Hopefully, after 60, the dividends will be nice. But, also putting that much into VOO and also that much in to VGT every week. Allocation: 33,33,34 VOO, VGT, SCHD
I love the even spread between growth, dividends, and the S&P 500! I like how you buy the market and your plan over the next 14 years. The dividends will be excellent and more so you will have great returns from VGT and VOO. Triple threat!
@@Marcos_Milla I gotta give credit to UA-camr Jeff Teeples. It's from his advice that he uses himself with his own personal investing. Before that I was all over the place. But now I evenly spread it and dollar cost average every day and buy more when it's going down.
Love that it’s a Roth IRA to be tax efficient ! 19 is perfect 🙏💪 love the lower allocation to SCHD and keeping growth as the main theme with QQQM and VOO🤫🙏
@@Marcos_Milla hey, I have another question if you don’t mind? How do you think I should be contributing money into my Roth IRA? Right now I’m just contributing once a month, or should I do bi weekly or weekly?
@@IIIIIIIIIIIIII8 totally, so personally I buy my IRA and taxable accounts on a weekly basis. My 401k is contributed biweekly. Monthly in my opinion is okay but I feel like you could get the better price if let’s say the stock market has a pull back for 2-3 weeks and if you only buy once a month you might not really take advantage of the dip if that makes sense. So biweekly or weekly is what I would do!
SCHD outperformed VTV over 5 and 10 years and is very low cost. Just had bad luck this year. Many of us have a boatload in the S&P500 index in 401k's, so not having apple, Microsoft etc as top holdings (if at all) in SCHD is a good thing. Still have the bulk of my $500k portfolio in SCHD.
I’m taking the hybrid approach, VOO, SCHD as my foundation, with growth like MA, UNH, HD. And slow growth like O and PEP. I have a 20 year time horizon. But the best part is I still enjoy my life while I do this. Travel, and buy ONLY things I love. It’s the best combo, plus I love the small victories with receiving dividends/dividend growth/share price appreciation.
SCHD is an excellent portfolio addition, but relying solely on it for retirement may not be optimal. I retired at 62, grew my portfolio to $1.5 million in 10 years starting with 35,000 through the help of an investment advisor and dividends now supplement my retirement income. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
@@maryHenokNftKudos on the effective execution of innovative ideas and tactics that lead to significant advancement. As I seek guidance from a trustworthy advisor, would you be willing to share details about the individual assisting you?
The decision on when to pick an Adviser is a very personal one. I take guidance from *Gertrude Margaret Quinto* to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
Hello, I am 52 years old and I still hold a growth accumulation ETF (Europe) until retirement. I am about 13 years old and I would like to buy a distribution ETF for a lifetime annuity! I am looking for a stable and performing portfolio for a high dividend yield. Can you advise how to assemble it? About $100,000 is available. I was thinking about the SCHD + SCHG combination, or is there an even better combination? Thanks for the tip
Marcos, my $0.02 is that unless you’re less than 10 years from your retirement, you’ve got no business in SCHD. You should be S&P 500 and something high growth like VGT or QQQ. You’re leaving a mass amount of money in the table even if VGT only beats SCHD by 3% (we know it beats it by a bigger margin). Think about the difference in costs of owning ETFs. We scoff at anything more than 30 basis points. And that’s only a part of 1%. Here you’re leaving 5% or 500 “basis” points on the table. A nice you’re at the age where you actually need to start thinking about dividends, you’ll have more money to buy a sizable chunk. Anyhow my$0.02. Go Tritons!!
I appreciate your comment! I honestly have a very very low allocation to SCHD. I have the majority of my money in the S&P 500 and in growth funds! I totally agree with your point and you make it come across in the nicest big brother way! I hope others read this! I emphasis on the video to not have 100% into SCHD because of the comment you displayed but I also made it as there are dividend investors who just go full on into stocks like SCHD and leave that 3+ % on the table like you said. Thanks again! 💪🙏
Thanks for the video! 😄 I’m trying to help my mum get into shares, who unfortunately didn’t make those smart financial decisions younger (she’s 50 now, doesn’t own property but doesn’t have debt either, or much savings) and is now earning decent money. What would think he best avenue would be for ETFs. I suggested an easy VOO and SCHD around 50/50 because she has ground to recoup, but what do you think?
I like the recognition of wanting to make smarter financial decisions. The no debt is wonderful, I always like having no debt besides a mortgage and or a car that you can afford so that’s good to know. This is not financial advise but if I was 50 and was in the same situation I would do the 50/50 VOO & schd mix. And the simple 50/50 is something a lot of people do to keep things easier. As she gets towards retirement I know a lot of people have around 20-50k in a 1-3 month treasury bond because the volatility is low and pays a high yield so maybe exploring that later but for now yeah the portfolio of the 2 funds I like. 10+ years in the market does wonders for compound interest. As long as she sticks to the portfolio of her chooses, I wouldn’t be surprised if she does well for herself in the future. Maybe explore opening a vanguard account or consulting with Schwab or fidelity advisors if she wants helps. I know vanguard has people run accounts on your behalf for an expense ratio of I believe 0.25-0.48 which is low but maybe look into that!
@@brighleydangerfield no problem! Also, you have a great personality and looks to be a successful UA-camr. Just saw some of the videos you have up haha, hope you have a great day!
I’m 31 and just started investing this last year bc I have a guranteed 70% pension when I retire at 51 years old. I just got another pay raise that puts me close to 180k salary. I buy SCHD and VOO weekly in a brokerage acct. I buy VOO, QQQM, VGT, and SCHD biweekly in my retirement accts. Good plan?
At 31, your salary is so good! 180k, you definately are way above for anyone at age 31! Goes to show you work hard and or have an incredible skill that provides value to this world. Pensions are insane! That’s crazy that you’re taking advantage it of! 51 years old retirement!! Goals. SCHD and VOO in brokerage is great, I like the 2 fund portfolio. VOO, QQQM, VGT, and SCHD are great as a more growth plat into your retirement accounts. Regardless, your income combined with pension and your portfolios put you in the 1% of people. I wouldn’t worry about oh do I not have enough of this etf or how much should I put in this etf because you’re going to be just fine. People would kill to be you. Congrats! Keep doing what you’re doing, we need more people like you in this world. Best, Marcos.
@@Marcos_Milla Thank you! I enjoy your content and I love the ETF’s you educate on. I hate the idea of stressing over stocks and the ups and downs of the market. Simple is best.
man, you’re on your way to becoming financial success! just remember to take good care of your health because we are not going to remain bulletproof forever.
I'm 46 and way behind. I have a lot of catching up to do. I'm doing my best to max my Roth every year. What percent of schd would you “hypothetically” recommend since I still need to be kinda risky?
Should SCHD be in my roth ira or taxable brokerage? if it's in my roth i cant use any of that money until retirement right? so to me it kind of defeats the purpose? But if its in a taxable account, it'll be taxed if i use it - soo idk lol.
From my knowledge in my finance class in university, the ROTH ira grows tax free because you already pay taxes on them. The principal and dividends are not taxed assuming you don’t pull out from it until age 59 and a half. If you pull from it it’s a 10% tax I believe. Roth IRA is assuming you’re holding this fund until retirement hence the long term tax benefit. I posted a video recently like yesterday about dividend ETFs and taxes (using SCHD as an example) you could pay 0% in taxes on dividends if you’re single and have like 55k in income or 89k filing jointly and the taxes go up to 15-20% depending on your income.
You want GROWTH for your roth not dividends. As for dividends in a taxable brokerage account you may pay as little as zero tax depending on your total income. Qualified dividends are tax free if your total income is $47,000 Single or $94,000 Married. You will pay 15%tax if your total income is $47- $519K Single or $94K - $583K Married so its not bad at all.
@@nickv4073 Wow, I would think a person would dividend stocks/ETF in a roth IRA as opposed to a growth ETF. Fox taxes reasons alone that makes sense. Why does having growth in a roth make more sense?
@@DanielSuarez-zn8iw Simple. Over many years, growth stocks will outperform dividend stocks. The Roth is the one you want to grow as large as possible.
I personally don’t think it’s a great apples to apples comparison. But SPHD is great if you want that low volatility and monthly income from a dividend etf. The stocks that SPHD holds is Very defensive and these stocks won’t see any real huge upside capital appreciation than a broad market etf or a dividend etf like VIG, DGRO, and even schd. I like SPHD if you want the income now rather than later. The dividend growth on SPHD is very inconsistent versus schd as only grown its dividend year over year so from a “ live off dividends forever” standpoint I like schd more.
@Marcos_Milla well I'm doing some heavy shopping tomorrow 300 k schd, 100 k jepi and 100 k jepq, what else would u recommend, I have still 1.5 million to invest
I am subbed to your channel and for some reason this video is absolutely not on my list of subs videos. I thought maybe I accidentally unsubbed recently but no I’m still subbed but your video is not there.
Hey Matt, appreciate your comment and being a sub! It’s an algorithm change that UA-cam made. There’s 2 buttons when you upload. 1 where you choose to show to your subscribers first and if they like the video then it gets shown to more people and the other button where you choose to not show initially to subs first and it gets shown to random people who like investing. Lately I’ve been choosing the second button because when I pick the first choice, my views have been down sorta so just experimenting right now. I’ll be reaching out to UA-cam today as well about this. Have a great night or day brother ! Appreciate you
@@Marcos_Millaoh ok I appreciate you explaining that! It was driving me a little crazy because I don’t think I’ve ever seen that happen! Lol. I found your channel recently and love it. Keep up the hard work man! You definitely put out quality content.
Currently have dgro in my Roth just to be thrown in the mix. A 7000 contribution in the Roth is a fair amount but I also have an S&P 500 fund and growth fund in the mix
What percentage allocation do you have SCHD in your portfolio?
20%
@@UsernameOG0💪
20% as well
ZERO. It doesn't ever make much money--what's the point?
@@steve_darby 💪
I have 100% of my portfolio in SCHD 1350 shares and not taking dividends until 25 years
1360 is INSANE! Your dividend snowball is going to be CRAZY! I love it
My goal is to get 100k in SCHD and then I’ll shift to something else.
@@chancecooper9246 💪🏼💪🏼
SCHD is 25% of my portfolio so far and continue to DCA into it every Friday, planning on doing this strategy until I need to start using the dividends.
Nice video!!!
Thank you! Great allocation! 25% is plenty for skin in the game !
I bought one share of SCHD every week, God Blessed!!!
🙏🙏🙏paving the way for a brighter future! Bless you brother!
Did the same thing last year.. feeling good about it!
Good idea
My current holdings are:
SCHD 5K Shares
SOXQ 750 Shares
SCHG 750 shares
JEPQ 100 shares
VOO 275 shares
VGT. 275 shares
I'm 50 years old don't need the money, I'm adding approximately $3k to Flame my FIRE!
Insane portfolio! Jeez! This is amazing🙏💪
Wow…like we say in Boston- Wicked pissah!
Good job with that. I only have 300 shares of SCHD
To be kinda blunt, I am giving up on investing in stocks... I put between 2000 to 3000 a month and it's nothing but down down.... Sooooo frustrating and I only invest in boring big companies. How can I capitalize in such a market?
Great Buying opportunities today. Embracing pullbacks and correction is key. This is where the money is made!
Absolutely! Wealth is made in bear markets. We aren’t in a bear market, but nibbling heavy red days has proven to be fruitful for me over 4 years of investing. I am at 2.25 mil. Biggest positions VOO, VTI, SCHD, VYM, and now looking to build up DRGO alongside finding quality value/growth stocks to buy. I got $48k divs last year in taxable divs. Q2 taxable divs this year was $17,388 this year. Don't sell when the market is down. Having a skilled CFA that puts the time in to do in-depth research can be invaluable in strategizing your portfolio.
Can I try this? I need one to review my portfolio but anyone who is fee-based is hard to find and usually have a heavy workload. Would you be comfortable sharing a recommendation if it's not too much problem
Her name is. Melissa Elise Robinson . Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
I don’t have SCHD in my portfolio but I will add it! Thanks so much for the great video
No problem!
I’m 50yrs old and just hit 220shares in my Roth🙏🏼 I have a TSP account I do %80 into the C fund to touch the S&P allocation! Outstanding video Sir👊
Thanks you sir you’re a rockstar🙏💪 continue doing what you’re doing! Appreciate the love and kindness💪
Very good content. I especially like the three-fund portfolio idea you presented. I have 23.67% of my portfolio in SCHD. Cheers
Thank you! I try my best🙏💪 cheers 🥂
any risk of putting a lump sum into SCHD and SCHG as I already retired and want to catch up. I don't need the money for daily living right now. assuming 10 year investment horizon. Thank you.
The only risk is short term volatility with a lump sum investment. However if you plan to just buy and hold this etf, it’s honestly better to just lump sum if you have the money, plus since you want to catch up. It’s better to just compound the dividends through lump sum investing while reinvesting the dividend and riding out the waves and cycles of the market, especially since you have a 10 year time horizon. Hope this helps!
I first heard about SCHD in the middle of last year. I currently have 169 shares. I've been increasing my dollar cost averaging, and now I am buying 8 or 9 shares per week. In about 3 years, I should have over $100k invested, and I will be 45 years old.
Hopefully, after 60, the dividends will be nice. But, also putting that much into VOO and also that much in to VGT every week.
Allocation:
33,33,34 VOO, VGT, SCHD
I love the even spread between growth, dividends, and the S&P 500! I like how you buy the market and your plan over the next 14 years. The dividends will be excellent and more so you will have great returns from VGT and VOO. Triple threat!
@@Marcos_Milla I gotta give credit to UA-camr Jeff Teeples. It's from his advice that he uses himself with his own personal investing. Before that I was all over the place. But now I evenly spread it and dollar cost average every day and buy more when it's going down.
@@Marcos_Milla today is 271 shares 🤑
Pretty solid
Got around 30% in my portfolio. Great video like always! I don’t know how you don’t have more subs
yessir! As long as my viewers get something out of the video in a positive way, I’m a happy camper.
Great video. I have Schd, Splg, Schg, and Ftec.
Thank you! I love the low cost, high yielding portfolio! One of the best ones I’ve seen this week!
@Marcos_Milla Thanks.
Great video
I plan to buy 100 shares of SCHD tomorrow, to add to the 4 I have from dca'ing.
Thank you!💪💪🙏
Im 19 and this is my first year investing in a Roth IRA. I only put 10% into SCHD, 35% into QQQM and 55% into VOO.
Love that it’s a Roth IRA to be tax efficient ! 19 is perfect 🙏💪 love the lower allocation to SCHD and keeping growth as the main theme with QQQM and VOO🤫🙏
@@Marcos_Milla hey, I have another question if you don’t mind? How do you think I should be contributing money into my Roth IRA? Right now I’m just contributing once a month, or should I do bi weekly or weekly?
@@IIIIIIIIIIIIII8 totally, so personally I buy my IRA and taxable accounts on a weekly basis. My 401k is contributed biweekly. Monthly in my opinion is okay but I feel like you could get the better price if let’s say the stock market has a pull back for 2-3 weeks and if you only buy once a month you might not really take advantage of the dip if that makes sense. So biweekly or weekly is what I would do!
@@Marcos_Milla thanks that’s what I was thinking
@@IIIIIIIIIIIIII8 no problem 💪
SCHD outperformed VTV over 5 and 10 years and is very low cost. Just had bad luck this year. Many of us have a boatload in the S&P500 index in 401k's, so not having apple, Microsoft etc as top holdings (if at all) in SCHD is a good thing. Still have the bulk of my $500k portfolio in SCHD.
I’m taking the hybrid approach, VOO, SCHD as my foundation, with growth like MA, UNH, HD. And slow growth like O and PEP. I have a 20 year time horizon. But the best part is I still enjoy my life while I do this. Travel, and buy ONLY things I love. It’s the best combo, plus I love the small victories with receiving dividends/dividend growth/share price appreciation.
SCHD is an excellent portfolio addition, but relying solely on it for retirement may not be optimal. I retired at 62, grew my portfolio to $1.5 million in 10 years starting with 35,000 through the help of an investment advisor and dividends now supplement my retirement income. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
@@maryHenokNftKudos on the effective execution of innovative ideas and tactics that lead to significant advancement. As I seek guidance from a trustworthy advisor, would you be willing to share details about the individual assisting you?
The decision on when to pick an Adviser is a very personal one. I take guidance from *Gertrude Margaret Quinto* to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.
I now have 1576 SCHD and 20 more years until retirement. It will be a super money generator. 😀
💪🏼💪🏼
Hello, I am 52 years old and I still hold a growth accumulation ETF (Europe) until retirement. I am about 13 years old and I would like to buy a distribution ETF for a lifetime annuity! I am looking for a stable and performing portfolio for a high dividend yield. Can you advise how to assemble it? About $100,000 is available. I was thinking about the SCHD + SCHG combination, or is there an even better combination? Thanks for the tip
Marcos, my $0.02 is that unless you’re less than 10 years from your retirement, you’ve got no business in SCHD. You should be S&P 500 and something high growth like VGT or QQQ. You’re leaving a mass amount of money in the table even if VGT only beats SCHD by 3% (we know it beats it by a bigger margin). Think about the difference in costs of owning ETFs. We scoff at anything more than 30 basis points. And that’s only a part of 1%. Here you’re leaving 5% or 500 “basis” points on the table. A nice you’re at the age where you actually need to start thinking about dividends, you’ll have more money to buy a sizable chunk. Anyhow my$0.02. Go Tritons!!
Lastly, the dividend growth will 100% slow down because the etf won’t be able to support this growth rate indefinitely. See SPHD as an example.
I appreciate your comment! I honestly have a very very low allocation to SCHD. I have the majority of my money in the S&P 500 and in growth funds! I totally agree with your point and you make it come across in the nicest big brother way! I hope others read this! I emphasis on the video to not have 100% into SCHD because of the comment you displayed but I also made it as there are dividend investors who just go full on into stocks like SCHD and leave that 3+ % on the table like you said. Thanks again! 💪🙏
Thanks for the review.
@@moneymanfernando1594 of course !
Thanks for the video! 😄
I’m trying to help my mum get into shares, who unfortunately didn’t make those smart financial decisions younger (she’s 50 now, doesn’t own property but doesn’t have debt either, or much savings) and is now earning decent money. What would think he best avenue would be for ETFs. I suggested an easy VOO and SCHD around 50/50 because she has ground to recoup, but what do you think?
I like the recognition of wanting to make smarter financial decisions. The no debt is wonderful, I always like having no debt besides a mortgage and or a car that you can afford so that’s good to know. This is not financial advise but if I was 50 and was in the same situation I would do the 50/50 VOO & schd mix. And the simple 50/50 is something a lot of people do to keep things easier. As she gets towards retirement I know a lot of people have around 20-50k in a 1-3 month treasury bond because the volatility is low and pays a high yield so maybe exploring that later but for now yeah the portfolio of the 2 funds I like. 10+ years in the market does wonders for compound interest. As long as she sticks to the portfolio of her chooses, I wouldn’t be surprised if she does well for herself in the future. Maybe explore opening a vanguard account or consulting with Schwab or fidelity advisors if she wants helps. I know vanguard has people run accounts on your behalf for an expense ratio of I believe 0.25-0.48 which is low but maybe look into that!
You are amazing! Thanks so much for your response and personal opinions. Let’s hope in 10 years I can leave a follow up comment of her success 😊
@@brighleydangerfield no problem! Also, you have a great personality and looks to be a successful UA-camr. Just saw some of the videos you have up haha, hope you have a great day!
Oh thank you so much, right back at you 😄 keep it up!
Three Fund Portfolio: SCHD (40%) / SCHG (40%) / SCHZ (20%)
🔥🔥
Why so much in a bond ETF? Are you over the age of 50?
@@DanielSuarez-zn8iw Yes.
SCHD is ~15% of my 1.54M net worth.
Wow that’s amazing, you’re crushing it! Just subbed to your channel. Cant wait to watch your latest video as I get ready to tackle my day.
I subbed to your channel as well. I am much older than you, so I have had more time to invest. Great analysis on your video! @@Marcos_Milla
Currently 23% but building weekly with DCA, quarterly with DRIP, and limited standing buy orders for dips.
💪🏼💪🏼💪🏼
I’m 31 and just started investing this last year bc I have a guranteed 70% pension when I retire at 51 years old. I just got another pay raise that puts me close to 180k salary. I buy SCHD and VOO weekly in a brokerage acct. I buy VOO, QQQM, VGT, and SCHD biweekly in my retirement accts. Good plan?
At 31, your salary is so good! 180k, you definately are way above for anyone at age 31! Goes to show you work hard and or have an incredible skill that provides value to this world. Pensions are insane! That’s crazy that you’re taking advantage it of! 51 years old retirement!! Goals. SCHD and VOO in brokerage is great, I like the 2 fund portfolio. VOO, QQQM, VGT, and SCHD are great as a more growth plat into your retirement accounts. Regardless, your income combined with pension and your portfolios put you in the 1% of people. I wouldn’t worry about oh do I not have enough of this etf or how much should I put in this etf because you’re going to be just fine. People would kill to be you. Congrats! Keep doing what you’re doing, we need more people like you in this world. Best, Marcos.
@@Marcos_Milla Thank you! I enjoy your content and I love the ETF’s you educate on. I hate the idea of stressing over stocks and the ups and downs of the market. Simple is best.
man, you’re on your way to becoming financial success! just remember to take good care of your health because we are not going to remain bulletproof forever.
Do you guys use Robinhood as your brokerage account? I have Charles swab for retirement and Robinhood.
I'm 46 and way behind. I have a lot of catching up to do. I'm doing my best to max my Roth every year. What percent of schd would you “hypothetically” recommend since I still need to be kinda risky?
Well what are your other ETFs you hold? Or stocks
@@Marcos_Milla
25% VOO
20% SCHG
20% XLK
15% SMH
10% SCHD
10% VTV
@@Marcos_Millai have
25% VOO
20% SCHG
20% XLK
15% SMH
10% SCHD
10% VTV (which I'm debating swapping out for AVUV)
25% VOO
20% SCHG
20% XLK
20% SMH
15% SCHD
Should SCHD be in my roth ira or taxable brokerage? if it's in my roth i cant use any of that money until retirement right? so to me it kind of defeats the purpose? But if its in a taxable account, it'll be taxed if i use it - soo idk lol.
From my knowledge in my finance class in university, the ROTH ira grows tax free because you already pay taxes on them. The principal and dividends are not taxed assuming you don’t pull out from it until age 59 and a half. If you pull from it it’s a 10% tax I believe. Roth IRA is assuming you’re holding this fund until retirement hence the long term tax benefit. I posted a video recently like yesterday about dividend ETFs and taxes (using SCHD as an example) you could pay 0% in taxes on dividends if you’re single and have like 55k in income or 89k filing jointly and the taxes go up to 15-20% depending on your income.
You want GROWTH for your roth not dividends. As for dividends in a taxable brokerage account you may pay as little as zero tax depending on your total income. Qualified dividends are tax free if your total income is $47,000 Single or $94,000 Married. You will pay 15%tax if your total income is $47- $519K Single or $94K - $583K Married so its not bad at all.
@@nickv4073 Wow, I would think a person would dividend stocks/ETF in a roth IRA as opposed to a growth ETF. Fox taxes reasons alone that makes sense. Why does having growth in a roth make more sense?
@@DanielSuarez-zn8iw Simple. Over many years, growth stocks will outperform dividend stocks. The Roth is the one you want to grow as large as possible.
What do you think of SPHD instead of SCHD? It has a higher dividend.
I personally don’t think it’s a great apples to apples comparison. But SPHD is great if you want that low volatility and monthly income from a dividend etf. The stocks that SPHD holds is Very defensive and these stocks won’t see any real huge upside capital appreciation than a broad market etf or a dividend etf like VIG, DGRO, and even schd. I like SPHD if you want the income now rather than later. The dividend growth on SPHD is very inconsistent versus schd as only grown its dividend year over year so from a “ live off dividends forever” standpoint I like schd more.
Current holdings in IRA
SCHG - 60%
VOO - 25%
SCHD - 15%
Love the SCHG & SCHD Schwab combo with VOO in it as well. Well done!
Need some aggressive growth! Like VUG.
@@steve_darby that’s why I have most my holdings in SCHG. It’s a growth ETF
@@steve_darbyThat's what SCHG is
@@steve_darby SCHG and VUG are comparable !
If your retired and have schd in your ROTH convert it to JEPI for higher dividend payments.
I approve of this comment
im buying tomorrow ,it was already in my list , but i will probably buy jpi and jpeq for monthly dividends
Big fan of JepI/jepq
@Marcos_Milla well I'm doing some heavy shopping tomorrow 300 k schd, 100 k jepi and 100 k jepq, what else would u recommend, I have still 1.5 million to invest
just bought 166 shares last week i am 50 years old
Congrats brother💪🙏🥂
I be on the QQQ glaze train
I wouldn’t expect anything less from you 😫
why not QQQM? same as QQQ but lower fee.
@@dt6750 I know Isaac personally, we both have QQQM, he’s just being Isaac lol
@@dt6750who cares about fees when performance is higher.
271 shares right now with SCHD.
🫡💪🏼
so ur not in favor of jpci and jpeq for monthly dividends
Check how my video on how to make $100 per month in dividends
I am subbed to your channel and for some reason this video is absolutely not on my list of subs videos. I thought maybe I accidentally unsubbed recently but no I’m still subbed but your video is not there.
Hey Matt, appreciate your comment and being a sub! It’s an algorithm change that UA-cam made. There’s 2 buttons when you upload. 1 where you choose to show to your subscribers first and if they like the video then it gets shown to more people and the other button where you choose to not show initially to subs first and it gets shown to random people who like investing. Lately I’ve been choosing the second button because when I pick the first choice, my views have been down sorta so just experimenting right now. I’ll be reaching out to UA-cam today as well about this. Have a great night or day brother ! Appreciate you
@@Marcos_Millaoh ok I appreciate you explaining that! It was driving me a little crazy because I don’t think I’ve ever seen that happen! Lol. I found your channel recently and love it. Keep up the hard work man! You definitely put out quality content.
@@matshepherd118 thank you brother, I’ll try my best !
At Age 36, I like DGRO in the mix
Currently have dgro in my Roth just to be thrown in the mix. A 7000 contribution in the Roth is a fair amount but I also have an S&P 500 fund and growth fund in the mix
I only have VOO. 🤔🧐😩
I also made a video like this for people who only have VOO💪🏼
Nicole can I have some of your doritos
Are you okay 😭
50%
💪🏼
20%
Beautiful 🙏
SCHD - 40%
VOO - 40%
QQQM - 20%
💪💪
Currently 33%
💪💪
@Marcos_Milla fits in my age range too 36-50 years old like you were saying in the video.👍
@@ANTHONY1983-- I try my best to put out accurate content and do all the research! Thank you! So glad to hear💪💪💪🙏🙏🙏
@Marcos_Milla your welcome bro.
I enjoy your videos. Very sensible information
50%dgro,40%schd,10%vti
💪🏼
Schd schg jepi jepq all my favs
💪 my favs too
33.34% SCHD/QQQM/DRGO
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