I have some SPYD and it isn't growing much, but the dividends are really good and I have been reinvesting since I bought. Its stable, and because I am close to retirement, I'm going to hold on to it. It is sooo crucial to reinvest and lots of people don't do it. But when I retire, I will start using the dividends. Great video!!!
First? Hell yeah. Been watching for a while its always good to see more objective investing information on UA-cam. It goes without saying that the last few years have been a overload of BUY THIS and SELL EVERYTHING NOW. I think this project has and will go on to provide great value to viewers and readers. Thanks man.
This ETF may appeal to investors looking for higher dividend income, but it tends to be more sensitive to changes in interest rates and market conditions due to its concentrated exposure to high-yielding stocks.
Thank You for the video. Have you put out a video explaining why you do not favor dividend investing? I do both dividend and appreciation investing, but I am very open to hearing if one strategy is better in the long run.
Yes, SCHD can roughly be described as a large cap value fund, though obviously you'll get more targeted value exposure with a fund that's specifically looking for it.
Just found your video and the Tag Line caught my eye. I liked your content. Not so in depth that it can't be understood, but better than a 10,000 foot overview, too. Well done. As MoneyManFernando asked, "Why not a combination of both?" I have SCHD for the combination of growth and income with the lower volatility. Yield of 3.64% on 5/8. I also have SPYD for the income; yielding 4.50% today. Neither are core holdings, but are significant enough to do me some good. And, as you pointed out, not too much overlap between the two funds. Thanks and cheers
I finally read your 8 reasons why I’m not a dividend income article and it was great definitely got my foot in the door, I’ll be more likely to return to the site again. I am amassing a very tiny percentage into SCHD and JEPI just to watch it with interest since my money’s on the line. But my main portfolio is currently set to split my equities between Value ETFs and Blend/general market ETFs and it feels like something I can reliably wait on and not panic with. Thanks for all the information, I appreciate your approach fits what I need for info and is interesting enough to just be enjoyable to kill some time!
@@OptimizedPortfolio ok, whatever you say chump! So, let me understand this my quarterly dividend payments are imaginary? Got it! Oh boy you're one smart financial guy! Anymore advice old wise one!!!
@@RB-je3yj Again, dividends are a net-neutral event, as cash obviously can't be created out of thin air. This should be axiomatic. Share price compensates. Thus, you're not gaining anything extra by receiving a dividend payment. It is effectively transferring money from your left pocket to your right pocket, and paying taxes to do so. Put another way, it's basically a small forced sale of your overall position. So again, dividends do not "make money." Had you said "stock price appreciation makes money" or "dividends are a source of cash," I'd agree with those statements. But you specifically cited dividends per se as a "way to make money." While arguably pedantic on my part, specificity matters with this stuff, and I tire so much of seeing disingenuous UA-camrs prey on novices who don't know any better, selling them on the allure of "income investing," so I take whatever opportunity I can to educate people. I'm fine with having a civil discussion of facts, logic, and reason, and I'm even open to further explaining the concept if you don't understand it, but if you're just going to immediately resort to childish ad hominem insults, which are unproductive for no one, then save your time and mine and don't comment at all. Cheers, mate. Best of luck out there.
I've been considering buying ETFs/SCHD stocks for retirement, I have set asides $100k but somewhere along the line, I get cold feet maybe because I'm a rookie and have no idea what I'm doing, please I could really use some guideline
@@alexbradbury5967 There are good names out there, people that have shown consistency. Like DOROTHY DONNA TAGLIENTE, she's currently my coach. Lookup the name , you can reach her through her home page.
Lots of info out there, we used Ramsey Solutions to get out of Debt, once out (only mortgage @ 2.2% remaining) We found The Money Guy show and they helped us prioritize our spend (which accounts to load first for efficiency). Look for a retirement expert that's not looking to sell a solution but rather list your options to maximize ur income and lower your tax drag while pulling down on your assets during the "withdraw/drawndown phase"
Get my dividend portfolio with SCHD here: www.optimizedportfolio.com/m1-finance-dividend-pie/
Great information & delivery, man. I always find your videos helpful when I need quick reviews/education on relevant etfs ... and more. I'm a fan!
Thanks so much! Really glad you've found them helpful! :)
I have some SPYD and it isn't growing much, but the dividends are really good and I have been reinvesting since I bought. Its stable, and because I am close to retirement, I'm going to hold on to it. It is sooo crucial to reinvest and lots of people don't do it. But when I retire, I will start using the dividends. Great video!!!
Do u manually reinvest dividends or they do it automatically every month?
@@tltarzan678 it's auto-reinvested. You have to tell whoever you are working with if you want it not to be auto invested....
I currently only have 2 funds in my portfolio which I just started SPYD and VYM but will be adding more in the near future.
Great video brother 👍
Keep the great content coming. 👌
First? Hell yeah. Been watching for a while its always good to see more objective investing information on UA-cam. It goes without saying that the last few years have been a overload of BUY THIS and SELL EVERYTHING NOW. I think this project has and will go on to provide great value to viewers and readers. Thanks man.
Thanks for the kind words! :)
The best video I watched on the subject so far!
Thank you!
Glad it was helpful!
Great video, thank you for the information.
Thanks for the content
This ETF may appeal to investors looking for higher dividend income, but it tends to be more sensitive to changes in interest rates and market conditions due to its concentrated exposure to high-yielding stocks.
Thank You for the video. Have you put out a video explaining why you do not favor dividend investing? I do both dividend and appreciation investing, but I am very open to hearing if one strategy is better in the long run.
I haven't yet. I will at some point.
Thanks for the research. How about a combination of both???
Wouldn't hurt.
another great video 🔥
Thanks!
Would you consider SCHD a large cap value fund? Seemed to better then VTV
Yes, SCHD can roughly be described as a large cap value fund, though obviously you'll get more targeted value exposure with a fund that's specifically looking for it.
SPYD and SPLG. I own both. A great combination of dividends and growth. SPYD is only good for Income. SCHD has a combination of growth and dividends.
Whats your opinion on BRKB?
Don't really have one. It's Buffett's holding company.
@@OptimizedPortfolio check out Brkb. I view it as an ETF. My position has gone up over 25% for the year. I plan getting more SCHD and Brkb.
BRKB is not an ETF. It's Berkshire Hathaway.
@@OptimizedPortfolio Yeah I realized that but it acts like an ETF. Thats why I brought it up.
Just found your video and the Tag Line caught my eye. I liked your content. Not so in depth that it can't be understood, but better than a 10,000 foot overview, too. Well done.
As MoneyManFernando asked, "Why not a combination of both?" I have SCHD for the combination of growth and income with the lower volatility. Yield of 3.64% on 5/8. I also have SPYD for the income; yielding 4.50% today. Neither are core holdings, but are significant enough to do me some good. And, as you pointed out, not too much overlap between the two funds.
Thanks and cheers
Thanks, Richard! Sounds good to me.
Valeu!
Thanks!
I'm 50/50 on both etfs .... those are the only two high dividends that I own
Thanks for sharing!
I finally read your 8 reasons why I’m not a dividend income article and it was great definitely got my foot in the door, I’ll be more likely to return to the site again. I am amassing a very tiny percentage into SCHD and JEPI just to watch it with interest since my money’s on the line. But my main portfolio is currently set to split my equities between Value ETFs and Blend/general market ETFs and it feels like something I can reliably wait on and not panic with. Thanks for all the information, I appreciate your approach fits what I need for info and is interesting enough to just be enjoyable to kill some time!
Thanks for the kind words, Chris!
Best way to make money!
Royalties
Rent
Interest
Dividends
These should be everyone's goals!
To be clear, dividends are a net-zero event. By definition, they do not "make money."
@@OptimizedPortfolio ok, whatever you say chump! So, let me understand this my quarterly dividend payments are imaginary? Got it! Oh boy you're one smart financial guy! Anymore advice old wise one!!!
@@RB-je3yj Again, dividends are a net-neutral event, as cash obviously can't be created out of thin air. This should be axiomatic. Share price compensates.
Thus, you're not gaining anything extra by receiving a dividend payment. It is effectively transferring money from your left pocket to your right pocket, and paying taxes to do so. Put another way, it's basically a small forced sale of your overall position. So again, dividends do not "make money."
Had you said "stock price appreciation makes money" or "dividends are a source of cash," I'd agree with those statements. But you specifically cited dividends per se as a "way to make money." While arguably pedantic on my part, specificity matters with this stuff, and I tire so much of seeing disingenuous UA-camrs prey on novices who don't know any better, selling them on the allure of "income investing," so I take whatever opportunity I can to educate people.
I'm fine with having a civil discussion of facts, logic, and reason, and I'm even open to further explaining the concept if you don't understand it, but if you're just going to immediately resort to childish ad hominem insults, which are unproductive for no one, then save your time and mine and don't comment at all.
Cheers, mate. Best of luck out there.
I've been considering buying ETFs/SCHD stocks for retirement, I have set asides $100k but somewhere along the line, I get cold feet maybe because I'm a rookie and have no idea what I'm doing, please I could really use some guideline
You can buy dividend ETFs if you don't want to get into individual stocks. My favorite is SCHD. you can use a coach
@@JuanCarlos-ln2xt A coach sounds like a good idea, but how can I get a reliable one considering the nature of the market today?
@@alexbradbury5967 There are good names out there, people that have shown consistency. Like DOROTHY DONNA TAGLIENTE, she's currently my coach. Lookup the name , you can reach her through her home page.
Lots of info out there, we used Ramsey Solutions to get out of Debt, once out (only mortgage @ 2.2% remaining) We found The Money Guy show and they helped us prioritize our spend (which accounts to load first for efficiency). Look for a retirement expert that's not looking to sell a solution but rather list your options to maximize ur income and lower your tax drag while pulling down on your assets during the "withdraw/drawndown phase"
Buy both....one grower, one payer.
sector bets, i thought he said SUCKER bets! LOL
Hah
I own 30 shares of SPYD. Unfortunately, it has underperformed. Been slowly investing in it over two years.
Thanks for watching!
I have some schd
Thanks for watching!
What will happen to SCHD if Schwab goes bankrupt!
You still own the underlying securities/holdings if a fund closes.
What will happen to SCHD if Schwab goes bankrupt!
If it's closed, you'd have the option to own the underlying stocks or get their fair market value in cash.