IMPORTANT ANNOUNCEMENTS: Thanks for watching! Please don't forget to "like" and "subscribe". Please let me know in the comments below what you think about SCHD and other dividend stock ETFs. HELPFUL RESOURCES (Related to SCHD): Here’s my last video about how I traded SCHD paired with a high-yielder: ua-cam.com/video/uPRw-51-jnA/v-deo.htmlsi=_mKcKd88YQmc-k30 Should I sell my individual dividend stocks and put it all in SCHD? I contemplate this question in this video: ua-cam.com/video/dqQsf8Dg7a0/v-deo.htmlsi=y78D8LYkVfll6eCj Learn why SCHD is my favorite dividend ETF in this video: ua-cam.com/video/Oz0vUKH092Y/v-deo.htmlsi=bAwEkBQ1Mkjr8Ffs CHECK OUT MY PATREON: I'm sharing exclusive bonus content over on Patreon! I offer two tiers: Backyard Patreon and Corner Patreon. My Backyard Patrons see my stock trades, each accompanied by a blog post write-up. They also have access to 50 historical Patreon-exclusive videos. In addition to all Backyard Patron perks, my Corner Patrons also have access to my complete dividend stock portfolio (% allocation to each position) AND my complete bond portfolio (% allocation to each position). They additionally enjoy exclusive portfolio update videos, Corner Patreon virtual meet-ups, an exclusive Discord server, and more. Head on over to Patreon to join today: www.patreon.com/ppcian PPC IAN INSTAGRAM: I'm sharing some great content over on Instagram. Check out my Instagram stories and reels. I'm @ianlopuch: instagram.com/ianlopuch/ PPC IAN EMAIL LIST: Join my email list today for helpful updates, and a look at some of my historical dividend stock portfolios: www.ppcian.com/my-complete-dividend-stock-portfolio/ PPC IAN TWITTER: I'm always sharing fun updates on Twitter. Here's my dividend investing Twitter (I'm @ianlopuch): twitter.com/ianlopuch COOL DIVIDEND INVESTING MERCH: I offer some really amazing dividend investing merch: teeshirts, hoodies, mugs, and more! The designs are super stylish and on-point for the dividend stock investing community. Each purchase supports my UA-cam channel: teespring.com/stores/ppcian Thanks so much, everyone, for your support. I hope you enjoy the video today! (Disclosure and Disclaimer: I’m long SCHD. Please see video description for all disclosures and disclaimers.)
@@markjou9799 For someone closer to retirement (or in retirement), VTI is too volatile. VIG is a good ETF to pair with SCHD, and it has only a 20% market-weight overlap.
@@frinegarcia5185it’s not slow, it’s slower. ETF is slower but safer and so much less work, you can do higher returns with individual stocks, but also much riskier.
SCHD is a machine. 12 years of dividend growth, 10Y CAGR of 11.01%, 5Y CAGR, 12.88%. I use tools like Seeking Alpha and Portfolio Visualizer to look at its history. Amazing ETF.
I love SCHD. As a dividend investor, this ETF is the place to be. I believe that all value stocks (dividend stocks) will sky rocket when interest rates start to come down. I continue to add to this ETF blindly as I truly believe in its way to pick and drop securities. Currently own 2,900 shares which I’m not using for retirement until 3 years from now. It’s just an easy way to invest without the headaches. Keep up the good work
The interesting point with those two is that SCHD is mostly goods and VOO is mostly tech. The two together have less than 3% overlap and, to me, that is fantastic.
@@AnsarCP_Official well the problem with that is 99% of the stock held in SCHD is also held in VTI (103 holdings) and 99% of SCHG stock is also in VTI (251 holdings). So in reality your "3 ETF" portfolio is really just all the same stocks spread into 3 different ETF. Not much exposure there.
@@Coyotehello thanks. VTI vs SCHD overlap = 7% VTI vs SCHG overlap = 49% SCHD vs SCHG overlap = 1% Combining VTI with SCHD and SCHG can provide diversification benefits, as you're blending: - Broad market exposure (VTI) - Dividend-focused stocks (SCHD) - Growth-oriented stocks (SCHG) This combination can help spread risk and potentially lead to a more balanced portfolio
I'm a long time holder for SCHD. Almost a full 12 months now and I like it pretty well. I think it does decent even in bad interest rates. Considering I think the real interest rates are far worse than they say it is, if they cut I believe it could do very very well. Who knows though time will tell. Also the capital appreciation of the stock isn't why most people buy SCHD. If you want capital appreciation there are better options. In any case Im going to keep buying unless some huge red flag shows up. The readjustement to the companies put in my opinion is a good thing.
Way to avoid the tangent. But,,,,,, that's probably your next video. Dividends and dividend growth vs inflation and lessons learned over the past 3 years, with expectations for the future ! Send it Ian!!! Happy 4th of July my friend. Go America!!
I'm happy to have this as around 10% of my portfolio despite the 30% withholding tax for the reasons you talk about in the video. It's a good way for foreigners to get exposure to US dividend stocks while managing risk. (Darryl in Singapore)
Cheers Ian from our Paris vacation-made possible by over three decades of dividend investing. Loved seeing you and your beautiful family enjoying time together in Hawaii! Thanks for your investment of time to create this great community of long term investor.
Thanks for the video Ian. This is a good time to accumulate SCHD for several reasons. As you mentioned, price has not appreciated much in the past several years. Hence, the relatively low price results in a pretty good starting dividend yield. Additionally, it's a good way to diversify from the tech-heavy SP500. The winners from the past 10 years often are not the winners for the next 10. Investing in SCHD now leverages that observation, while locking in a good starting yield. It's laughable that SCHD gets a bad rep from little price appreciation over a few years. I guess very few investors remember and learn from history.
One of the purpose of SCHD is to keep the price of the ETF levelling with inflation but not much more and pass the value to investors via the dividend payments. JEPI has a similar "philosophy"
Happy 4th, my friend! I completely understand what you are saying. It's definitely a long-term dividend growth (yield on cost) ETF (and not a high-current-yielder). Wishing you all the greatest, and thanks for being here all these years! (Disc: I'm long SCHD)
@@BW-kv9wj dgro will provide a bit more growth with exposure to tech, while still providing dividend growth. Schd is a hedge against a market downturn. Perfect combination.
SCHD is by far my largest holding as I traded all my slo-gro consumer staples for it 1 1/2 years ago. I'm not getting too excited by the 24% boost. Some of it is due to the March reconstitution i.e. the ETF exchanged low yielders for high yielders. I also heard stories that the March reconstitution resulted in excess cash which was distributed with the 7/1 dividend. Not sure if this is true though. I'm expecting a 6% to 8% long-term dividend CAGR going forward.
Great thoughts!!! DGRO is high on my watch list. Thinking of adding a position as soon as SCHD is built to size. More time for walks is a great thing. (Disc: I’m long SCHD)
I added some Pepsi, I try to increase quality stocks as I have too much in reits. They yield fine, but I believe as munger did that return on capital is most important for the long term.
As a retiree, I love to see my dividend growth as high as possible. However, my goal is to have stocks / ETF's whose dividend growth beats inflation over time! SCHD is the largest position in the dividend portion of my portfolio.
12031K shares of schd. that is 60% of my portfolio the remaining is in growth and all is well. not concerned of what the market will do in the future. Thank you for sharing this vlog. anyone investing on SCHD should focus on dividend payout not so much on the stock price. is a value ETF not growth.
Hey Ian, question. Do you own any Reits? The valuation is ridiculously low for some world class Reits due to the interest rates. However, the balance sheet remains strong and yields are high! Looks like a great opportunity for monthly income. Happy 4th of July!
Sure do! Realty Income (O) is a large position for me, and I plan on adding more. I love the monthly income. Wishing you all the greatest, and Happy 4th!
My portfolio just cracked $50 million this week I think having a large position in SCHD is a great move in retirement. You are right int hat it has been a pretty lame couple years on the price growth front. But the solid yield and dividend CAGR keep it producing in these times. When the growth/tech run cools off, you'll be a happy camper. SCHD will protect the portfolio value that other holdings have built over the past couple years.
You’re right in that the share price has not kept up with the Market but that’s just because the Market is being carried by Tech and the remainder of the market is not doing as well. But that just means SCHD is cheaper to buy!
While I'm holding on to SCHD, I won't add to my 1.5% position but rather to BDCs like HTGC, CSCW. More than double the dividend and much higher appreciation.
There has to be a limiting factor though. The CAGR just can’t sustain 10% and if they roll out of positions into new ones won’t that just cut the yield in favor of dividend growers? I guess if the yield gets “too high” more people will just pile into SCHD and drive up the price thereby lowering the yield? Or is the etf price tied to the underlying the associated NAV and this would just show up in the premium/discount to NAV. I like SCHD as a concept I just struggle with the long term execution of its concept relative to something more straight forward like a market index fund.
This was the first distribution following the reconstitution (which many complained about at the time), so I think we might see low double digit dividend growth. Also, the price appreciation is fine for what is mostly large cap value stocks. Value will once again have its day at some point.
While working I invested some salary in my employers 457(b). Now I’m retired (67 yr old). Can/ should I move it to an IRA and invest in ETF’s?! ROTH, Traditional, penalties? Thanks
SCHD is a core holding in my portfolio and anticipate it being so for the near future,,i think SCHD is one of Schwabs darlings so they'll put a bit more emphasis on this ETF to get it right and continue its cult like status..
I think we'll probably see 10.5-12% full year divy growth 2024 vs 2023. The beginning of 2023 showed weaker dividends/growth (especially 2nd quarter) from historical. This makes for a weaker comp for 2024, hence the super impressive 24% YoY growth. My guess would be about 8-10% long term growth moving forward; but that's still pretty impressive for a passive, diversified portfolio with that kind of a starting yield and divy CAGR (even though lower than the recent history). I was looking at some of the same metrics the other night.
Well with GDRO + SCHD you have a fund overlap of 36% and 9% or by weight a 20% overlap between the two. A portion of your investments are in the same stocks.
Is there an ETF which applies the algorithm of SCHD to the universe of international stocks and is domiciled in a jurisdiction which doesn't charge withholding tax?
I add to SCHD weekly, especially now that the whole Mag7 has become detached from reality. Your average sp500 and total market etf's are so overweight in a small concentration of stocks that it isn't doing its job of diversifying. There is a whole lot of fomo going on right now. There will be bag holders upon the correction.
It’s doing great! I am adding a bit more at these prices and I’m reinvesting dividends. I’m pleased with the opportunity to add while it’s been trading at these levels, as I have a lot more I want to accumulate. (Disc: I’m long SBUX)
I wish there was a way, too! With such a large market cap, you would think Schwab would want to expand the ETF globally. Thanks for sharing. (Disc: I'm long SCHD)
SCHD hasn’t beat the SP500 over the long term, so in Europe you can easily just buy an S&P500 ETF and you will be as good as buying SCHD. If you need income, just sell 1% of your S&P500 ETF each year to compensate but since it’s more growth focus it will be equivalent as having an SCHD ETF.
That could be a good thing depending on if tech stocks are highly overvalued which there is still debate on. Depends on your investing interests and metrics you go by
@@AnsarCP_Official well the problem with that is 99% of the stock held in SCHD is also held in VTI (103 holdings) and 99% of SCHG stock is also in VTI (251 holdings). So in reality your "3 ETF" portfolio is really just all the same stocks spread into 3 different ETF. Not much exposure there.
If you’re young, that’s fine. If you’re older (near retirement age), your plan is too risky. Oh, and SCHD isn’t “too risky” as compared to Treasury bills. With SCHD, you get solid dividend *growth* over time AND capital appreciation. You don’t get that with bonds.
I use dividends-per-share/earnings-per-share as payout ratio, since this is how the metric is classically-defined in the finance industry: www.investopedia.com/terms/p/payoutratio.asp I do agree that looking at dividends as a % of free cash flow is a great way to look at things too (maybe even better). I do this a lot when I'm analyzing single companies. For this particular ETF that holds ~100 positions, I do not readily have free cash flow metrics on an aggregated/weighted basis. So, I use the numbers that are available/provided by Schwab. Wishing you all the greatest. (Disc: I'm long SCHD)
IMPORTANT ANNOUNCEMENTS:
Thanks for watching! Please don't forget to "like" and "subscribe". Please let me know in the comments below what you think about SCHD and other dividend stock ETFs.
HELPFUL RESOURCES (Related to SCHD):
Here’s my last video about how I traded SCHD paired with a high-yielder: ua-cam.com/video/uPRw-51-jnA/v-deo.htmlsi=_mKcKd88YQmc-k30
Should I sell my individual dividend stocks and put it all in SCHD? I contemplate this question in this video: ua-cam.com/video/dqQsf8Dg7a0/v-deo.htmlsi=y78D8LYkVfll6eCj
Learn why SCHD is my favorite dividend ETF in this video: ua-cam.com/video/Oz0vUKH092Y/v-deo.htmlsi=bAwEkBQ1Mkjr8Ffs
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I'm sharing exclusive bonus content over on Patreon! I offer two tiers: Backyard Patreon and Corner Patreon.
My Backyard Patrons see my stock trades, each accompanied by a blog post write-up. They also have access to 50 historical Patreon-exclusive videos.
In addition to all Backyard Patron perks, my Corner Patrons also have access to my complete dividend stock portfolio (% allocation to each position) AND my complete bond portfolio (% allocation to each position). They additionally enjoy exclusive portfolio update videos, Corner Patreon virtual meet-ups, an exclusive Discord server, and more.
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Thanks so much, everyone, for your support. I hope you enjoy the video today!
(Disclosure and Disclaimer: I’m long SCHD. Please see video description for all disclosures and disclaimers.)
I have roughly 900 shares of SCHD and it’s the only ETF I have. I will continue to throw money in this ETF until I am a Millionaire.
This is awesome! Thanks for sharing! (Disc: I’m long SCHD)
I seee that etf very slow please help me to understand
You could grow it faster with VTI
@@markjou9799 For someone closer to retirement (or in retirement), VTI is too volatile. VIG is a good ETF to pair with SCHD, and it has only a 20% market-weight overlap.
@@frinegarcia5185it’s not slow, it’s slower. ETF is slower but safer and so much less work, you can do higher returns with individual stocks, but also much riskier.
SCHD is a machine. 12 years of dividend growth, 10Y CAGR of 11.01%, 5Y CAGR, 12.88%. I use tools like Seeking Alpha and Portfolio Visualizer to look at its history. Amazing ETF.
Thanks for sharing! (Disc: I’m long SCHD)
I love SCHD. As a dividend investor, this ETF is the place to be.
I believe that all value stocks (dividend stocks) will sky rocket when interest rates start to come down.
I continue to add to this ETF blindly as I truly believe in its way to pick and drop securities. Currently own 2,900 shares which I’m not using for retirement until 3 years from now.
It’s just an easy way to invest without the headaches.
Keep up the good work
Let’s go SCHD! And let’s go America! I am long both positions
Yes!!! (Disc: I’m long SCHD and America too!)
Total returns last 10 years average
Dividends and NAV included
VOO: 12.83%
SCHD: 10.73%
The interesting point with those two is that SCHD is mostly goods and VOO is mostly tech.
The two together have less than 3% overlap and, to me, that is fantastic.
All because of Tech. SCHD has little Tech so provides a different exposure. It is kinda like a large value ETF in essence.
VTI, SCHD, SCHG - this three fund portfolio ❤
@@AnsarCP_Official well the problem with that is 99% of the stock held in SCHD is also held in VTI (103 holdings) and 99% of SCHG stock is also in VTI (251 holdings). So in reality your "3 ETF" portfolio is really just all the same stocks spread into 3 different ETF.
Not much exposure there.
@@Coyotehello thanks.
VTI vs SCHD overlap = 7%
VTI vs SCHG overlap = 49%
SCHD vs SCHG overlap = 1%
Combining VTI with SCHD and SCHG can provide diversification benefits, as you're blending:
- Broad market exposure (VTI)
- Dividend-focused stocks (SCHD)
- Growth-oriented stocks (SCHG)
This combination can help spread risk and potentially lead to a more balanced portfolio
Awesome video as usual. It’s always inspirational and never stale. Happy 4th Ian!
Thanks so much!!! Happy 4th!
Always a great use of time joining you video by video!
Thank you so much for your very kind words, my friend!!! I truly appreciate it!
@@ppcian Of course... Hoping to get you on Masters of the market soon... Many viewers have requested your appearance too!
Total returns last 10 years average
Including dividends reinvested
VOO: 12.83%
SCHD: 10.73%
I'm a long time holder for SCHD. Almost a full 12 months now and I like it pretty well. I think it does decent even in bad interest rates. Considering I think the real interest rates are far worse than they say it is, if they cut I believe it could do very very well. Who knows though time will tell. Also the capital appreciation of the stock isn't why most people buy SCHD. If you want capital appreciation there are better options. In any case Im going to keep buying unless some huge red flag shows up. The readjustement to the companies put in my opinion is a good thing.
Thanks for sharing! (Disc: I’m long SCHD)
Way to avoid the tangent. But,,,,,, that's probably your next video. Dividends and dividend growth vs inflation and lessons learned over the past 3 years, with expectations for the future !
Send it Ian!!!
Happy 4th of July my friend.
Go America!!
I'm happy to have this as around 10% of my portfolio despite the 30% withholding tax for the reasons you talk about in the video. It's a good way for foreigners to get exposure to US dividend stocks while managing risk. (Darryl in Singapore)
Thanks for the Independence Day video Ian! I enjoyed it 👍
Thanks for your kind words! Happy 4th!
My biggest position, buying it last year when it was 69$ cost basis
Right on! Thanks for sharing! (Disc: I’m long SCHD)
The game is long, and as said in sports, something like: "Offence gets you to the play-offs, but defense wins championships."
Great analogy! Love it! (Disc: I’m long SCHD)
Cheers Ian from our Paris vacation-made possible by over three decades of dividend investing. Loved seeing you and your beautiful family enjoying time together in Hawaii! Thanks for your investment of time to create this great community of long term investor.
This is so awesome, my friend!!! Have an amazing time! And, thank you for your incredibly kind words.
SCHD is a monster i can’t wait to live off this ETF
I love it! Same here! (Disc: I’m long SCHD)
Thanks for the video Ian. This is a good time to accumulate SCHD for several reasons. As you mentioned, price has not appreciated much in the past several years. Hence, the relatively low price results in a pretty good starting dividend yield. Additionally, it's a good way to diversify from the tech-heavy SP500. The winners from the past 10 years often are not the winners for the next 10. Investing in SCHD now leverages that observation, while locking in a good starting yield. It's laughable that SCHD gets a bad rep from little price appreciation over a few years. I guess very few investors remember and learn from history.
One of the purpose of SCHD is to keep the price of the ETF levelling with inflation but not much more and pass the value to investors via the dividend payments. JEPI has a similar "philosophy"
Happy 4th of July Ian. Schd truly brings independence to all who own it.
Happy 4th, Bruce!!! I like that! Wishing you all the greatest. (Disc: I’m long SCHD)
I'm long SCHD, owning 1k shares. It is a well managed ETF and is rather sleepy in some ways and yet remarkable in others. Glad you highlighted it.
Happy 4th, Ian., since retiring, it's all about income for me. 5-10 years ago SCHD would be in my port but today the yield not enough.
Can you share with us your etf's? Jepi? Vym?
Happy 4th, my friend! I completely understand what you are saying. It's definitely a long-term dividend growth (yield on cost) ETF (and not a high-current-yielder). Wishing you all the greatest, and thanks for being here all these years! (Disc: I'm long SCHD)
Which stocks or ETFs did you move too? I’m close to retiring as well.
i just have all my $ in SCHD and SCHG and as I get closer to my last day of normal work I will move some of the $ from SCHG to SCHD
Excellent video, Ian, thanks!
Thanks so much for your kind words!
What do think about splitting SCHD and DGRO 50/50?
I do that, they compliment each other.
@@international_dividend Yes. I just split my SCHD position with DGRO. I had to sell 1/2 of it and it was a huge sale.
@@BW-kv9wj dgro will provide a bit more growth with exposure to tech, while still providing dividend growth. Schd is a hedge against a market downturn. Perfect combination.
SCHD is by far my largest holding as I traded all my slo-gro consumer staples for it 1 1/2 years ago. I'm not getting too excited by the 24% boost. Some of it is due to the March reconstitution i.e. the ETF exchanged low yielders for high yielders. I also heard stories that the March reconstitution resulted in excess cash which was distributed with the 7/1 dividend. Not sure if this is true though.
I'm expecting a 6% to 8% long-term dividend CAGR going forward.
Great insights! Thank you for sharing! (Disc: I’m long SCHD)
Happy 4th for you and your family Ian..🎉🇺🇲
Thanks, my friend! Same to you and yours!!!
I love SCHD also FDVV is amazing
I like schd etf it does the work of analyzing stocks and it pays a decent income leaving me more time to go for walks i also have dgro
Great thoughts!!! DGRO is high on my watch list. Thinking of adding a position as soon as SCHD is built to size. More time for walks is a great thing. (Disc: I’m long SCHD)
Awesome video ian
Thank you!!!
I added some Pepsi, I try to increase quality stocks as I have too much in reits. They yield fine, but I believe as munger did that return on capital is most important for the long term.
Pep is like an ETF with all the different products they sell.
As a retiree, I love to see my dividend growth as high as possible. However, my goal is to have stocks / ETF's whose dividend growth beats inflation over time! SCHD is the largest position in the dividend portion of my portfolio.
Its looking like Voo outperform them all in growth and dividends. Also its fun to hold .
12031K shares of schd. that is 60% of my portfolio the remaining is in growth and all is well. not concerned of what the market will do in the future. Thank you for sharing this vlog. anyone investing on SCHD should focus on dividend payout not so much on the stock price. is a value ETF not growth.
Amazing work! Thank you for sharing! Great real-world insights! (Disc: I’m long SCHD)
60/30 schd dgro. Hope what you say is true.
I like the positivity from your videos. Helps me stay motivated.
Why not 50/50?
@@BW-kv9wj I wouldn't mind 50/50 but for now this is what I like.
Thanks for sharing and thanks for your kind words!!! (Disc: I’m long SCHD)
Hey Ian, question. Do you own any Reits? The valuation is ridiculously low for some world class Reits due to the interest rates. However, the balance sheet remains strong and yields are high! Looks like a great opportunity for monthly income. Happy 4th of July!
Sure do! Realty Income (O) is a large position for me, and I plan on adding more. I love the monthly income. Wishing you all the greatest, and Happy 4th!
My biggest holding SCHD. I don’t know if this is a good thing or bad thing. It hasn’t done much lately. I’m retired and that’s why I own it.
My portfolio just cracked $50 million this week I think having a large position in SCHD is a great move in retirement. You are right int hat it has been a pretty lame couple years on the price growth front. But the solid yield and dividend CAGR keep it producing in these times. When the growth/tech run cools off, you'll be a happy camper. SCHD will protect the portfolio value that other holdings have built over the past couple years.
Great, I need help to growing my portfolio, are you a Pro?
Just bought SCHD❤
Thanks for sharing! (Disc: I’m long SCHD)
You’re right in that the share price has not kept up with the Market but that’s just because the Market is being carried by Tech and the remainder of the market is not doing as well. But that just means SCHD is cheaper to buy!
Agreed and great thoughts! (Disc: I’m long SCHD)
How will the situation be after 30% US dividend tax as a foreign investor? Is the tax autometically paid or I have to do it myself?
While I'm holding on to SCHD, I won't add to my 1.5% position but rather to BDCs like HTGC, CSCW. More than double the dividend and much higher appreciation.
But those are Companies, not ETFs...?
@@Coyotehello True! However, you can view BDCs as sort of funds, maybe as CEFs.
There has to be a limiting factor though. The CAGR just can’t sustain 10% and if they roll out of positions into new ones won’t that just cut the yield in favor of dividend growers?
I guess if the yield gets “too high” more people will just pile into SCHD and drive up the price thereby lowering the yield? Or is the etf price tied to the underlying the associated NAV and this would just show up in the premium/discount to NAV.
I like SCHD as a concept I just struggle with the long term execution of its concept relative to something more straight forward like a market index fund.
This was the first distribution following the reconstitution (which many complained about at the time), so I think we might see low double digit dividend growth. Also, the price appreciation is fine for what is mostly large cap value stocks. Value will once again have its day at some point.
Thanks for sharing! Great points. Do agree on value having its day again. (Disc: I’m long SCHD)
Great video
Thank you so much!!!
Yes. I have SCHD in my Roth abs my regular brokerage account. Love it. 👏🏾👏🏾👏🏾👏🏾
SCHD ROCKS!!! GREAT VIDEO!!!!
Really appreciate your kind words! Thank you! (Disc: I’m long SCHD)
Total returns last 10 years average
Dividends and NAV included
VOO: 12.83%
SCHD: 10.73%
This is fact so know what you own
Here is an interesting fact. SCHD is mostly goods, VOO is mostly tech, between the two of them there is less than 3% overlap. That i sfantastic.
While working I invested some salary in my employers 457(b). Now I’m retired (67 yr old). Can/ should I move it to an IRA and invest in ETF’s?! ROTH, Traditional, penalties?
Thanks
SCHD is a core holding in my portfolio and anticipate it being so for the near future,,i think SCHD is one of Schwabs darlings so they'll put a bit more emphasis on this ETF to get it right and continue its cult like status..
Thanks for sharing and great points! (Disc: I’m long SCHD)
Does dollar cost averaging matter for etf's?
I think we'll probably see 10.5-12% full year divy growth 2024 vs 2023. The beginning of 2023 showed weaker dividends/growth (especially 2nd quarter) from historical. This makes for a weaker comp for 2024, hence the super impressive 24% YoY growth. My guess would be about 8-10% long term growth moving forward; but that's still pretty impressive for a passive, diversified portfolio with that kind of a starting yield and divy CAGR (even though lower than the recent history). I was looking at some of the same metrics the other night.
Great thoughts! Thanks for sharing! (Disc: I’m long SCHD)
SCHD stocks are risky when treasury gives 5% risk free and low rates environment and NVDIA flying high
Just buy VOO or SPYI
Combine schd and dgro and you will get the best combo
I have been thinking about adding DGRO after building SCHD to-size. Really like DGRO too. (Disc: I’m long SCHD)
Well with GDRO + SCHD you have a fund overlap of 36% and 9% or by weight a 20% overlap between the two. A portion of your investments are in the same stocks.
Need it for 45 so I can buy in....🤑🤑🤑🤑
Let’s hope for a market correction!
Is there an ETF which applies the algorithm of SCHD to the universe of international stocks and is domiciled in a jurisdiction which doesn't charge withholding tax?
SCHY?
@NOT-FINANCIAL-ADVICE. Unfortunately no. Different algorithm and dividends subject to US withholding tax.
well, over 10 years it looks like the dividend has approximately tripled...not bad! and price doubled. also not bad!
I add to SCHD weekly, especially now that the whole Mag7 has become detached from reality. Your average sp500 and total market etf's are so overweight in a small concentration of stocks that it isn't doing its job of diversifying. There is a whole lot of fomo going on right now. There will be bag holders upon the correction.
I love this! I completely agree. (Disc: I’m long SCHD)
I own 15% neo SPYI etf 85% BIL treasury ETF. Monthly dividends are better for income.
how is that sbux investment going ian. You seems to talk about it constantly but you have been quiet.
It’s doing great! I am adding a bit more at these prices and I’m reinvesting dividends. I’m pleased with the opportunity to add while it’s been trading at these levels, as I have a lot more I want to accumulate. (Disc: I’m long SBUX)
I like a combo of JEPI and JEPQ far better.
Happy fourth of July hope everyone is enjoying the holiday
Thanks, my friend! Same to you!!!
I pair my schd with udow 80% 30%
Thanks for sharing! (Disc: I’m long SCHD)
Giving 110%. Nice!
Too bad we cannot buy SCHD in Europe :(
I wish there was a way, too! With such a large market cap, you would think Schwab would want to expand the ETF globally. Thanks for sharing. (Disc: I'm long SCHD)
In Switzerland you can :) I love my SCHD.
SCHD hasn’t beat the SP500 over the long term, so in Europe you can easily just buy an S&P500 ETF and you will be as good as buying SCHD.
If you need income, just sell 1% of your S&P500 ETF each year to compensate but since it’s more growth focus it will be equivalent as having an SCHD ETF.
@@charlesdesaintemarie9499That leave you vulnerable to a sequence of returns risk. What do you do if the S&P500 goes down instead of up?
Maybe you need to find a different broker? In Israel there is no limit..
gettin hot - glowing at 2.5min - nice take on SCHD
it's pronounced "Kay-guhrr"
hello
I dont like SCHD I like VTI much better.
Two different types of ETFs for completely different purposes.
Can't imagine why anyone would invest in this unless he needed the dividends to pay expenses. Puzzling.
first
Thanks for being first!
SCHD is like the S&P without technology stocks, no thanks
That could be a good thing depending on if tech stocks are highly overvalued which there is still debate on. Depends on your investing interests and metrics you go by
Ok Bill Gates 👋😂
SCHD+ VGT less than 3% fund overlap. Perfect combo.
VTI, SCHD, SCHG in one fund ❤
@@AnsarCP_Official well the problem with that is 99% of the stock held in SCHD is also held in VTI (103 holdings) and 99% of SCHG stock is also in VTI (251 holdings). So in reality your "3 ETF" portfolio is really just all the same stocks spread into 3 different ETF.
Not much exposure there.
Now compare the no brainer QQQM
I was just watching schd videos when this was uploaded
Perfect timing! (Disc: I'm long SCHD)
I'm buying every down day until I have $100,000 in it
SCHD stocks is risky when treasury gives 5% risk free and low rates environment and NVDIA flying high
Just buy VOO or SPYI
If you’re young, that’s fine. If you’re older (near retirement age), your plan is too risky. Oh, and SCHD isn’t “too risky” as compared to Treasury bills. With SCHD, you get solid dividend *growth* over time AND capital appreciation. You don’t get that with bonds.
Have you looked at HTGC and CCAP?
Why do you use EPS when establishing payout ratio? Dividends are paid from free cash flow.
I use dividends-per-share/earnings-per-share as payout ratio, since this is how the metric is classically-defined in the finance industry: www.investopedia.com/terms/p/payoutratio.asp I do agree that looking at dividends as a % of free cash flow is a great way to look at things too (maybe even better). I do this a lot when I'm analyzing single companies. For this particular ETF that holds ~100 positions, I do not readily have free cash flow metrics on an aggregated/weighted basis. So, I use the numbers that are available/provided by Schwab. Wishing you all the greatest. (Disc: I'm long SCHD)
@@ppcian thanks- while not free cash flow, Schwab does list price to cash flow on the SCHD page for further analysis.
SCHD stocks are risky when treasury gives 5% risk free and low rates environment and NVDIA flying high
Just buy VOO or SPYI