What Much SCHD Do You Own?! 🚨Join my EXCLUSIVE YT Membership Group (Access to my Investing Portfolios & Buy Alerts): ua-cam.com/channels/YLtcHw-DY9IIEnFSrU6U-w.htmljoin 🟠Seeking Alpha Sign Up Link (Used in Video + 20% OFF DISCOUNT) www.sahg6dtr.com/22H8MR3/R74QP/ 🤑See My Portfolio FOR FREE with Blossom: blossomsocialapp.page.link/marcosmilla
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I'm sure the idea of an investment-Adviser might sound controversial to a few, but a new study by Motley-fool found out that demand for Financial-Advisers sky-rocketed by over 42% since the pandemic and based on firsthand encounter I can say for certain their skillsets are topnotch. I've accrued north of 880k within 16-months from an initially stagnant Portfolio.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
‘’Marisa Michelle Litwinsky’’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Catherine Gauthier.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
Investing in stocks may appear simple, but selecting the appropriate stock without a proven strategy can be tough. I've been trying to develop my $210,000 portfolio for a while, but the biggest hurdle is a lack of a clear entrance and exit strategy. Any feedback on this topic would be greatly welcomed.
Investing in multiple asset classes can mitigate risk more effectively than placing all of your capital in one. See a financial consultant if you don't comprehend finances well enough.
Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $ 2m.
I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference
@@itonlytakestime Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
@@StephenTho42 that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation
Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF. Can't wait to reach 100k. Zero debt , zero credit card ever. Piano teacher
First hit $100k in early 2020, that covid dip really hurt at the time. 4 years later that dip is barely noticeable on the long term chart and we are well over $300k with increased contributions in recent years. Keep grinding out there! ABB - Always Be Buying!!
I deal with an investment advisor for this reason. I currently have over $70k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons under guidance. Our current project for this year is a more concrete ballpark target this year. Credits to my FA Dianne Sarah Olson.
hello, How can one find a verifiable financial planner? I’ll be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
SCAM ALERT DO NOT FALL FOR THIS. Scammer is back posting with different accounts. Nobody has a holy grail that they share. Don’t fall for this lie you will lose your money. TOTALLY A SCAM!
Seems like no matter what people decide to invest in, that compounding really starts to get going around year 20 and every year after. Get your money in early and often!
I’m your average , who actually struggled to make it through bitcoin and I retired when I was 55, here’s how I did it. Find a trader like Christina to handle your trade Became an investor, so you make twice as much as you trade. You’re going to work your ass off. Buy everything for cash. Put the max in your 401K, so you’re not paying any taxes on that money. Pay as much as you can on your house payment. Drive a basic car, when I was working I had a Honda Civic and rode my bicycle to work. Draw the money from your 401K so you pay no or as little possible in taxes. I’m 65 now, live in CA and my life is awesome
awesome! I really have a question. For someone with less than $5,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 i mate Christina i'm rejoicing till now
GREAT NWES!!started working with Christina back in April , and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
Bought my first share of this stock from reinvested dividends. Will be getting more once I sell another stock I had for a few years that has given me a gain.
SCHD is about 4.5% of my current portfolio after making a large purchase after rebalancing early this year. I also buy 1 share/ week and reinvest dividends. I hold in a tax advantaged traditional IRA currently, though i wish i had built out in my Roth.
Yay Marcos uploaded another investing video! Your positive and upbeat attitude in each and everyone of your videos makes investing seem more exciting and easy to understand for audience of different levels! I will definitely start buying more SCHD once I have my ROTH IRA and I wish I hadn’t sold my original 32 shares of SCHD😢😅 since I got caught up with the NVIDIA hype months ago. Anyways keep up the great work Marco!!
I’ve tried investing in various things that didn't work out as I hoped. I'm now considering ETFs as a more reliable option. What are the best 5 ETFs for a rookie investor looking to invest a lump sum? let's say $500,000
JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
SCHD pays qualified dividends. That is the same as long term capitol gains. You will pay $0 on those dividends all the way up to the first $40,400. You will pay 15% on anything more than $40,400 all the way up to $445,850. And you will pay 20% on anything higher than $445,850 🎉
@@gabrielafreimane schd only makes up a very very small portion of my portfolio. So honestly hold and buy. The majority of my money is in an S&P 500 index fund, the Nasdaq-100 and growth funds. I am aware of technology stocks beating the market the past decade or so but schd has outperformed the broader market the last 3 months because value stocks seeing a resurgence. I would have to give Schd another 3-5 years before considering contingencies since like I said it is a very minimal holding and I just bought into it a year ago at under $70 per share
if it fits your goals (preferably for dividend investing, prefer to have dividend income). Usually a dividend value fund like this is unlikely to outperform the S&P 500 over a long period in my opinion but the dividend is almost 3x more with schd over something like VOO.
For dividend taxes, are you sent a 1099 at the end of the year? I’m very low risk and this video has me tempted to go all in on SCHD and nothing else..
Would you recommend SCHD if you were too old to benefit from the compounding like someone in their mid sixties or would some other etf be more suitable?
@@BruceChavers hmm. Generally if you are in retirement you want some sort of exposure to lower volatility funds like treasury bonds or even more liquid funds like in a money market fund or high yield savings account. I don’t think 100% in schd in your 60s is a smart choice given stocks are more volatile than the other asset classes I said above. But can it be incorporated into a diverse strategy, I would say yes
I'm in the same situation with 695 shares of schd in a IRA. However I have about $500k in treasuries, broker CDs, and Schwab Snsxx. Any suggestions where to allocate that chunk of money to generate passive dividend income. At 65 I want to start withdrawing dividends to live off without affecting my principal. BTW I'm 62 so my compounding won't be like a 20 year old even it I buy 5000 shares of SCHD.
@Marcos_Milla So when you get into your late 50's start getting rid of SCHD so that by the time you're in your 60's you don't have any SCHD? I thought that you want to hold SCHD to live off the dividends.
Marcos... Im 48 and have an pretty decent portfolio. I want to drop 30K into SCHD and just continue to add $1000 every month. Do you think its worth it for a guy my age? If i want to retire in 15 years. Will the compounding take effect? I wont get that 20+ years for it to kick in. Thanks!
If you have the option to go with a Roth IRA for example first and max it out but you only do a taxable account. I would say it would be foolish, not bad, to do only a taxable account. Most people max out their Roth IRA for example then invest the rest of their money in a taxable account
@@JEspo83 you would have to look into ETFs or individual stocks that’s have higher dividend yields. Something like covered call ETFs but that is another topic. If you need the income now then taxable
@@Marcos_Milla So it's foolish to invest more in a taxable account after you maxed-out a roth IRA? What about someone who started late and is aggressively investing more to make up for lost time?
Bro cant lie SCHD is my worst performing stock. Loaded up on 250 shares in 2022 and its basically been flat. I think its a great stock, but imo not for our age, I just have the dividends reinvesting, but I haven't added to the position in almost a year.
If Ai bubble pops, we will see a rotation to schd and value stocks. Hence why schd has been running up the past 3 months and outperforming the broader market
@@Marcos_Milla I agree, there will be a rotation, but not because of tech slowing down, because of rates cutting people will need somewhere to park there cash if they are no longer making 5% in money markets. regardless its decent to have in the port, but Charles Schwab as a investment firm has been a dumpster fire these past few months.
Yes however 60k with 30 years of a 3 percent inflation rate will be equivalent to about 145k. I’m just saying that final number is where we should be focusing on replacing rather than the 60k. I love your videos keep them coming!
What Much SCHD Do You Own?!
🚨Join my EXCLUSIVE YT Membership Group (Access to my Investing Portfolios & Buy Alerts): ua-cam.com/channels/YLtcHw-DY9IIEnFSrU6U-w.htmljoin
🟠Seeking Alpha Sign Up Link (Used in Video + 20% OFF DISCOUNT) www.sahg6dtr.com/22H8MR3/R74QP/
🤑See My Portfolio FOR FREE with Blossom: blossomsocialapp.page.link/marcosmilla
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I'm sure the idea of an investment-Adviser might sound controversial to a few, but a new study by Motley-fool found out that demand for Financial-Advisers sky-rocketed by over 42% since the pandemic and based on firsthand encounter I can say for certain their skillsets are topnotch. I've accrued north of 880k within 16-months from an initially stagnant Portfolio.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
‘’Marisa Michelle Litwinsky’’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Catherine Gauthier.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Catherine Gauthier too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
Investing in stocks may appear simple, but selecting the appropriate stock without a proven strategy can be tough. I've been trying to develop my $210,000 portfolio for a while, but the biggest hurdle is a lack of a clear entrance and exit strategy. Any feedback on this topic would be greatly welcomed.
Investing in multiple asset classes can mitigate risk more effectively than placing all of your capital in one. See a financial consultant if you don't comprehend finances well enough.
Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
That makes perfect sense; you seem to have a better understanding of the market than we do. The coach is who?
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
I just Googled her name and her website came up right away. It looks interesting so far. I sent her an email and i hope she responds soon. Thanks
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $ 2m.
Buy and wait for 5 years let's see how it plays out. The question is, would I sell any of my Nvidia shares to buy Palantir? No I would not
I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference
@@itonlytakestime Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
@@StephenTho42 that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation
Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF.
Can't wait to reach 100k.
Zero debt , zero credit card ever.
Piano teacher
First hit $100k in early 2020, that covid dip really hurt at the time. 4 years later that dip is barely noticeable on the long term chart and we are well over $300k with increased contributions in recent years.
Keep grinding out there! ABB - Always Be Buying!!
I deal with an investment advisor for this reason. I currently have over $70k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons under guidance. Our current project for this year is a more concrete ballpark target this year. Credits to my FA Dianne Sarah Olson.
hello, How can one find a verifiable financial planner? I’ll be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
I'm grateful for this tip. It was easy to find her handler, She seems very proficient and flexible. I looked her up and reached out to her.
SCAM ALERT DO NOT FALL FOR THIS. Scammer is back posting with different accounts. Nobody has a holy grail that they share. Don’t fall for this lie you will lose your money. TOTALLY A SCAM!
Seems like no matter what people decide to invest in, that compounding really starts to get going around year 20 and every year after. Get your money in early and often!
Early is the keyword !
You are exactly right! Starting early is the biggest factor by far.
I’m your average , who actually struggled to make it through bitcoin and I retired when I was 55, here’s how I did it. Find a trader like Christina to handle your trade
Became an investor, so you make twice as much as you trade.
You’re going to work your ass off.
Buy everything for cash.
Put the max in your 401K, so you’re not paying any taxes on that money.
Pay as much as you can on your house payment.
Drive a basic car, when I was working I had a Honda Civic and rode my bicycle to work.
Draw the money from your 401K so you pay no or as little possible in taxes.
I’m 65 now, live in CA and my life is awesome
awesome! I really have a question. For someone with less than $5,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?
As a beginner, what do i need to do? how can i invest, on which platform If you know any please share.
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 i mate Christina i'm rejoicing till now
GREAT NWES!!started working with Christina back in April , and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
She is really a good investment advisor. I was privileged to attend some of her seminars. That is how i started my crypto investment
Simple. All you need is $100,000 and 30 years. 😊
Could be earlier than 30 years all depending on how much income you need from schd
Bought my first share of this stock from reinvested dividends. Will be getting more once I sell another stock I had for a few years that has given me a gain.
💪🏼
SCHD is about 4.5% of my current portfolio after making a large purchase after rebalancing early this year. I also buy 1 share/ week and reinvest dividends. I hold in a tax advantaged traditional IRA currently, though i wish i had built out in my Roth.
💪🏼
simple path to wealth: SCHD/SCHG 50/50
agreed
@@Marcos_Milla ... with overlap by weight ONLY 1%
Pretty sure you need to calculate in higher withdrawals to keep up with inflation.
60k / year isn't going to cut it in 30 years.
Yay Marcos uploaded another investing video! Your positive and upbeat attitude in each and everyone of your videos makes investing seem more exciting and easy to understand for audience of different levels! I will definitely start buying more SCHD once I have my ROTH IRA and I wish I hadn’t sold my original 32 shares of SCHD😢😅 since I got caught up with the NVIDIA hype months ago. Anyways keep up the great work Marco!!
The Nvidia hype paid off tho 👀 thank you!
I’m new to a brokerage account post retirement pension but have 75 shares of SCHD! Rock on!
🤘🏼🤘🏼
@@Marcos_Milla you the man Marcos! Enjoy your commentary!!
@@mitchhaunn8400 thank you my friend !
Cant wait to switch my 296k that i am feeding 2k a month into over from vti and vxus into schd when its time.
💪🏼
I’ve tried investing in various things that didn't work out as I hoped. I'm now considering ETFs as a more reliable option. What are the best 5 ETFs for a rookie investor looking to invest a lump sum? let's say $500,000
JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
SCHD pays qualified dividends. That is the same as long term capitol gains.
You will pay $0 on those dividends all the way up to the first $40,400.
You will pay 15% on anything more than $40,400 all the way up to $445,850.
And you will pay 20% on anything higher than $445,850 🎉
💪🏼
Can you explain it to me like I’m 5
Hi Marcos,
What would be your contingency plan if SCHD’s returns significantly underperform?
@@gabrielafreimane schd only makes up a very very small portion of my portfolio. So honestly hold and buy. The majority of my money is in an S&P 500 index fund, the Nasdaq-100 and growth funds. I am aware of technology stocks beating the market the past decade or so but schd has outperformed the broader market the last 3 months because value stocks seeing a resurgence. I would have to give Schd another 3-5 years before considering contingencies since like I said it is a very minimal holding and I just bought into it a year ago at under $70 per share
Thanks -much, great video!
Is it okay to add this to my ROTH IRA portfolio and hold for long term ?
if it fits your goals (preferably for dividend investing, prefer to have dividend income). Usually a dividend value fund like this is unlikely to outperform the S&P 500 over a long period in my opinion but the dividend is almost 3x more with schd over something like VOO.
For dividend taxes, are you sent a 1099 at the end of the year? I’m very low risk and this video has me tempted to go all in on SCHD and nothing else..
Yes. Every brokerage will always supply you a 1099 tax form regardless i
@@Marcos_Milla thank you again… love your videos and your feedback…
@@Bur6212 of course!
Deny or supply a 1099? You’ll get a 1099, right?
@@kayc591 ahh typo. Supply
SCHD and SCHG, if only choose one, which one do you recommended and why?
For me it’s schg. I have a long time horizon and it fits perfectly with my growth strategy.
@@Marcos_Milla Thank you!
@@brandonxu1262 Not Marcos, but it depends on your age. How old are you? Why not both? I'm 51 and have both. They're great.
563.4016 shares 🥳
@@lostboi3974 💪🏼💪🏼
Would you recommend SCHD if you were too old to benefit from the compounding like someone in their mid sixties or would some other etf be more suitable?
@@BruceChavers hmm. Generally if you are in retirement you want some sort of exposure to lower volatility funds like treasury bonds or even more liquid funds like in a money market fund or high yield savings account. I don’t think 100% in schd in your 60s is a smart choice given stocks are more volatile than the other asset classes I said above. But can it be incorporated into a diverse strategy, I would say yes
@@Marcos_Milla Thanks for your insights!
@@BruceChavers of course!
I'm in the same situation with 695 shares of schd in a IRA. However I have about $500k in treasuries, broker CDs, and Schwab Snsxx. Any suggestions where to allocate that chunk of money to generate passive dividend income. At 65 I want to start withdrawing dividends to live off without affecting my principal. BTW I'm 62 so my compounding won't be like a 20 year old even it I buy 5000 shares of SCHD.
@Marcos_Milla So when you get into your late 50's start getting rid of SCHD so that by the time you're in your 60's you don't have any SCHD? I thought that you want to hold SCHD to live off the dividends.
Thanks Milan Lujic!
👀
Marcos... Im 48 and have an pretty decent portfolio. I want to drop 30K into SCHD and just continue to add $1000 every month. Do you think its worth it for a guy my age? If i want to retire in 15 years. Will the compounding take effect? I wont get that 20+ years for it to kick in. Thanks!
I’m 44 & doing the same. I supplement SCHD with VOO, JEPQ, AAPL & MO
is it bad to own in a taxable brokerage do to taxes
If you have the option to go with a Roth IRA for example first and max it out but you only do a taxable account. I would say it would be foolish, not bad, to do only a taxable account. Most people max out their Roth IRA for example then invest the rest of their money in a taxable account
@@Marcos_Milla what about those of us who want/need the income/dividends now?
@@JEspo83 you would have to look into ETFs or individual stocks that’s have higher dividend yields. Something like covered call ETFs but that is another topic. If you need the income now then taxable
@@Marcos_Milla So it's foolish to invest more in a taxable account after you maxed-out a roth IRA? What about someone who started late and is aggressively investing more to make up for lost time?
SCHD pays qualified dividends 😊
Too bullish predictions! 👍🏽😬
@@anthonyh2884 👀
Bro cant lie SCHD is my worst performing stock. Loaded up on 250 shares in 2022 and its basically been flat. I think its a great stock, but imo not for our age, I just have the dividends reinvesting, but I haven't added to the position in almost a year.
If Ai bubble pops, we will see a rotation to schd and value stocks. Hence why schd has been running up the past 3 months and outperforming the broader market
Yes it’s been flat but the dividend has been increasing. Plus it’s good time to accumulate shares
@@Marcos_Milla I agree, there will be a rotation, but not because of tech slowing down, because of rates cutting people will need somewhere to park there cash if they are no longer making 5% in money markets. regardless its decent to have in the port, but Charles Schwab as a investment firm has been a dumpster fire these past few months.
@@prophyt605 ehh maybe if you are an old head.
@@Rahmieif your younger it’s good to accumulate early so it can grow faster & compounding
Why would you compare today’s cost of living to what your outcome could be in 30 years?
the dividend growth of schd is outpacing inflation per the video
Yes however 60k with 30 years of a 3 percent inflation rate will be equivalent to about 145k.
I’m just saying that final number is where we should be focusing on replacing rather than the 60k.
I love your videos keep them coming!
DIVB might be an alternative for SCHD
Honestly I think DIVB is as close of an alternative to schd. I’ll do more research on it and then perhaps drop a video about it
Didn’t you shit on Schd 1 or 2 months ago? SMH 🤦🏻♂️
i am not victoriya media
Lol. U made me lol plenty of dividend e.t.f.s with a higher yield. Do a comparison of the top ones and see how they compare.😂😂😂😂
@@rolandosouffrain7957 😗