I got dgro & schd... I added spyi a month ago (very little) just to see what happens... But supposedly supposed to do a good payout and be super good on tax efficiency... as of recently they did some interviews with I can't remember the guys name here on UA-cam.... I would check it out if I was you I went with that over divo and jepi...
I just started to hold the following in my 401K Account, ($ 100 weekly + 3% employer match) SCHD - 30%, VIG - 30%, JEPI - 20%, DIVO - 20% - Rebalanced every January. I'm interested in seeing your next post when you compare funds.
Thanks for the feedback Edward. We already talked about high-yield covered call/Dividend ETF’s. In the next one we’re talking standard Dividend ETF’s such as VYM, VIG, SCHD, DGRO, ETC. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
What would have made this video a little clearer was if you either labeled the red arrow or put in the heading which one we were looking at. I got it, but ...
Great video. I am looking for stocks and ETFs paying dividends that offer a bit of appreciation. I am retired and want to increase my income. I have about a 50/50 split of cash between an IRA and individual account.
For context I am 53 and don't need income right now. I run my own business and am able to sock away quite a bit into this portfolio via a Solo 401K. I love SCHD, but did not want to put 60% of portfolio into any 1 ETF so went with 40% SCHD 20% DIVO 20% JEPI and 20% DGRO. In my opinion DGRO is similar to SPY, but with a dividend growth tilt. This allocation could be adjusted more towards income or growth depending on your needs. I have been in this allocation for a little over a year now and am very happy with it. Nice and boring with lower volatility due to covered call ETFs and no pure growth like SPY.
Awesome Paul! Glad that mix is working out well. We are going to cover DGRO in more detail in the future and compare that to SCHD. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Interesting Dominique. I will be testing SCHD vs S&P 500 in the near future on some different scenarios. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Hey Joe! Haven't even watched yet and had to get it in! I did 2 option Puts for INTC, one in my Roth and one in Brokerage. Then a week later, feeling confident, I laddered 10 Puts for MPW. Brought in an extra $353, almost 50% increase in my monthly income. Yield was 2.6% just for this month. Conservatively, if I do same thing 10 times this year, 26% annual yield. Thanks for all the videos!
I just implemented the SCHD (60%) DIVO(20%) and JEPI(20%) last week and am gonna ride that for a while. So glad you are making more vids .. thanks for the info Joe, hi from Texas
Hey Andrew! Thanks for weighing in. Glad the strategy is something you find to be a benefit! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Hey Donald, I’ll take it away for potential future videos but honestly it may not make it into a future video. This ETF is not one used by many in my audience. What you can do is compare the performance of the ETF and their cash flow results with SPY and SCHD to get a fair idea of how it would do. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
Great stuff but, how about DCA instead lump sum. Nobody really lump sums that big of amount in anything. It’s not smart or cost efficient. Can do show what a dollar cost average over time does ? Thanks
Just a quick question. IVV is the iShares Core S&P 500 ETF. Aside from IVV only having a weekly option chains, having a lower expense ratio, yields being similar, what are some of the major differences you see?
Hey Lance, there is really nothing else to it. You could easily place IVV in here instead of SPY. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
True Hans, BUT by replacing JEPI you lose a significant portion of dividend cash flow every year… so depending on how much cash flow you need this could be an interesting strategy to deploy. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
You’re right Dr. Caban in that adding covered calls makes a big difference. In fact I do this in my own portfolio. 😎 it’s just hard to backtest… THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Hard to say Jason because we don’t have enough data from JEPQ currently to complete this type of analysis. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
Makes sense that SCHD does better, in that some of the best S&P 500 stocks, are dividend paying stocks. Also, one of the best ways to pick stocks, is by picking stocks that have a long proven track record of increasing their dividend. This is what SCHD does, so it doesn't surprise me that it outperforms, especially during a time period that includes a bear market. Stocks that pay solid dividends, hold up better during down turns in the market. Great video, love the comparisons. One item to check for your calculations, at least when reinvesting dividends, is that a lot of investment calculators don't take into account the fact that a fund like JEPI, pays dividends monthly. The compounding that goes on from month to month, can make a huge difference in the balance after a few years.
Thanks for weighing in with a quality comment James. Yes I used the ACTUAL daily price changes and actual dividend payments on their dividend payment dates for all of my calculations. 😉 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Hey David! It’s a difficult question to answer. What will the market do next? I have no idea. What matters most is your current situation and your goals. I personally continue to buy in this market. I personally love SCHD in all markets. 🤑 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
SCHD has all the growth of SPY with lower volatility while spinning off dividends. Tough to beat! SPY has really nice options premium so you can make up for your lack of income by selling CCs.
You compared SPY VS SCHD in down market where people don't want to dump dividends paying assets. Let's see how SPY runs much faster than SCHD in up market.
I agree that it's always better to have MORE DATA and that going back further than 2019 would be prudent. That being said, we can't just throw out 2022 as if it didn't happen. We will talk more about SCHD and SPY in the near future. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
Interesting Tim. I think there’s probably also value in adding REALTY INCOME to this portfolio to see where it lands with a dedicated real estate component. 👍😎 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
That is close to what I personally have: 45-50% SCHD and SPY with the other 50-55% being individual Dividend stocks. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
At 18years old I would skip Jepi altogether and focus on that growth you really don’t need the income from it and it just is hurting your growth add jepi when your getting closer to retirement
I agree with Kasey. You don’t have to just use SPY or low cost index ETF’s but I’d personally stick with SCHD at such a young age. JEPI is a much better fit when you are approaching retirement or the date you need cash flow. Plus JEPI is much les tax efficient than SCHD. Just my $0.02 though. 😉 THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
I needed this. I’ve currently have about 1/3 of my retirement portfolio in S&P 500 index. I’ve been strongly considering moving all into SCHD. I’ll give DIVO a hard look. Trying to maximize income, have some growth and have some fun.
I like it David. This analysis is limited to 2019 -> present and additional history IF AVAILABLE could yield different results, FYI. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Provided all other tax friendly retirement vehicles are being maxed out, would you see anything wrong with building up sizable positions in JEPI and SCHD in a taxable account to begin replacing earned income with passive?
GREAT QUESTION! I like both of those options though SCHD has much more favorable tax treatment. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
That's petty much what I'm doing. I max out my roth and 401k I just do up to company match all in voo. In my taxable I'm all in on schd and jepi and smaller positions in jepq divo svol. 👍
Thanks for the feedback - We may end up vetting a DGRO ETF inclusion depending on how it compares in our upcoming dividend ETF comparison. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Hey Riley! Good Question. I’d say mostly new positions at this time. I am not using the premium to buy additional shares. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I am still working on my ultimate ETF dividend portfolio. I do own JEPI, DIVO, SCHD and VOO. Like I said I may make some changes, I am still working on it.
I have JEPI, SCHD, DIVO and SPLG ( S &p 500). SPY is 406 &.09 %expense ratio). SPLG is 47 with .03% expense ratio. Dividends are almost identical. SPLG is +6.11% YTD & SCHD is + 1.09% YTD. I am retired & buy shares of all 4 every month.
Thanks to Annette Michelle Walters a respected broker who came highly recommended by powerful stock market sharks, my portfolio grew from a quarter million to four million dollars in the first month of the year. You can never be too old to diversify, so do it now.
I looked her up on the internet, I love what I see, is she the one you are talking about ? I'm close to 60yrs and I can no longer stand the poor performance of my portfolio of half a million dollars. I’m in serious need of a good financial advisor, I have lost enough. let me know so I can write her ASAP.
@@amgengroup5352 Yes, she's the one; I'm confident that she can solve your issue, but she's usually busy. Try reaching out to her and cross your fingers that she will have the time.
@Marchelle white Annette is the right person to run to if you're talking about stock investment, presently I have 7m$ in my portfolio and she is responsible for it, I started off with 500k, working with the right person or team is the best advice for anyone looking to make progress efficiently.
Back to the divo jepi schd battle. I would like to know how it would turn out if I was taking out a set amount per month like the average of all cash flow into months.
Interesting idea. You kind of get that by reviewing the LIVING OFF THE DIVIDENDS Tab. What would be interesting is to see what happens if you average the cash flow and or take out more than the average per month and hav3 to sell shares and see how long you could last or how future cash flow is impacted. 👍😎 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Joe, I gotta say - these last few comparison videos have been OUTSTANDING! Having just started my channel, I'm a big fan of how much effort goes into each video!
So, for someone far out from retirement, go heavy in SCHD for capital appreciation and then when retiring rebalance heavy into something like JEPI or SDIV for the dividend income.
We’ll find out Bob. We’re going to test the top dividend ETF’s to see which is #1. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
It's an interesting strategy. JEPI is not as tax-efficient so I would want to have that piece in a retirement account and something like SCHD may be more appropriate from a younger age. THANK YOU for watching Sonny and for leaving your $0.02 in the comments! 😎👍🏻
Thanks for this breakdown from a personal angle I am aware that continuing to invest during periods of volatility can be a smart way to build wealth. I’ve heard testimonies of people accruing over $250k in this red period. What measures can I take to achieve this?
you’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner
@@rebeccaartgallary I'm sure the idea of a coach might sound generic or controversial to a few, but new study by investopedia found that demand for portfolio-coaches sky-rocketed by over 41.8% since the pandemic and based on firsthand encounter, I can say for certain their skillsets are topnotch, I've raised over $400k from an initially stagnant reserve of $150K all within 14months.
Hey Richard, I agree that over long periods of time the S&P 500 has performed well and that it has beaten actively managed funds over time, but we can't just plainly state that over the long term the S&P 500 beats a well-managed dividend ETF such as SCHD. We just don't have enough history to make that claim. THANK YOU for watching Richard and for leaving your $0.02 in the comments! 😎👍🏻
Possibly but I personally choose to not trade on technicals. The juice is just not worth the squeeze. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I'm shocked I hadn't vetted that strategy yet or at least 50/50. I will have to test that. THANK YOU for watching and for leaving your $0.02 in the comments. =)
I can appreciate where you’re coming from BUT we can’t throw out reality. Hopefully we can get more context when we review SCHD vs SPY in the coming weeks and get a full 10 year history. 😎👍
So it seems like to me from all the experiments so far, to DCA into SPY until retirement. Then sell SPY and buy SCHD commensurate to the yearly income you need at the time. As long as you don’t need the income right now.
Yes, very good point that must be considered is timeline. There are times, and in many cases, years when one ETF is doing better than others then they flip. If you bought Coca-Cola in July 1998 for $61.00 it took until April of 2022 to get back up to $61.00 that's almost 24 years! But just think if you kept reinvesting the dividends like Warren Buffett did? MASSIVE monthly cash flow! We'd all love to "optimize" our portfolios for the best returns but it's really next to impossible so the best thing to do is buy and hold, reinvest the dividends and don't flip-flop and sell and buy and buy and sell just hold and reinvest! When you're a dividend investor bear markets can be your best friend!
Interesting thought process though not sure I’d want to go heavy on tech with a dividend ETF portfolio. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
@@AverageJoeInvestor check the scores on portfolio visualizer, just a little tech can make a dividend portfolio grow much faster without causing much more drawdowns. It will also raise the portfolio Sharpe and Sortino scores.
@@travismartinson1813 I have 10-15% allocations for tech/growth etfs in my dividend portfolio too. Just to get a little more growth. Even tho i hold schd which also does provide great returns. But it's really more to offset the effects of holding jepi and jepq and svol. My portfolio performance has been right in the middle of dow Jones and s&p. I'm good with that
Borders on a dangerous game though. Leveraged ETF’s are EXCELLENT in a bull market…otherwise not so much. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
Borders on a dangerous game though. Leveraged ETF’s are EXCELLENT in a bull market…otherwise not so much. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
@@AverageJoeInvestor I know, coupled with these dividend ETF’s to support it, I am just curious how it would turn out even if the percent invested was very conservative. Thanks!
I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 175K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a FA) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities.
Click the link to join Candlestick AI and get the best weekly stock picks: clickurl.ca/Joe-Candlestick
I got dgro & schd... I added spyi a month ago (very little) just to see what happens... But supposedly supposed to do a good payout and be super good on tax efficiency... as of recently they did some interviews with I can't remember the guys name here on UA-cam.... I would check it out if I was you I went with that over divo and jepi...
I just started to hold the following in my 401K Account, ($ 100 weekly + 3% employer match)
SCHD - 30%, VIG - 30%, JEPI - 20%, DIVO - 20% - Rebalanced every January.
I'm interested in seeing your next post when you compare funds.
Thanks for the feedback Edward. We already talked about high-yield covered call/Dividend ETF’s. In the next one we’re talking standard Dividend ETF’s such as VYM, VIG, SCHD, DGRO, ETC. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
What would have made this video a little clearer was if you either labeled the red arrow or put in the heading which one we were looking at. I got it, but ...
Great video. I am looking for stocks and ETFs paying dividends that offer a bit of appreciation. I am retired and want to increase my income. I have about a 50/50 split of cash between an IRA and individual account.
Tax considerations and so crucial in my decision for what to purchase in my brokerage. SCHD, DGRO, VYM, and HDV
I get it! Everybody’s situation is different. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
For context I am 53 and don't need income right now. I run my own business and am able to sock away quite a bit into this portfolio via a Solo 401K. I love SCHD, but did not want to put 60% of portfolio into any 1 ETF so went with 40% SCHD 20% DIVO 20% JEPI and 20% DGRO. In my opinion DGRO is similar to SPY, but with a dividend growth tilt. This allocation could be adjusted more towards income or growth depending on your needs. I have been in this allocation for a little over a year now and am very happy with it. Nice and boring with lower volatility due to covered call ETFs and no pure growth like SPY.
Awesome Paul! Glad that mix is working out well. We are going to cover DGRO in more detail in the future and compare that to SCHD. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
What software or website you use it to simulate the returns of those ETFs overtime?
Great work! I actually decided to move my S&P 500 etf position to SCHD recently. Only time will tell 🤷♀️
Interesting Dominique. I will be testing SCHD vs S&P 500 in the near future on some different scenarios. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
SCHD has not lagged the SP 500.
PE ratio is better on SCHD than spy/VOO. Sp500 is historically overvalued., Still.
Hey Joe!
Haven't even watched yet and had to get it in! I did 2 option Puts for INTC, one in my Roth and one in Brokerage. Then a week later, feeling confident, I laddered 10 Puts for MPW. Brought in an extra $353, almost 50% increase in my monthly income. Yield was 2.6% just for this month. Conservatively, if I do same thing 10 times this year, 26% annual yield. Thanks for all the videos!
Wow Miguel! That’s a lot of cash flow! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I just implemented the SCHD (60%) DIVO(20%) and JEPI(20%) last week and am gonna ride that for a while. So glad you are making more vids
.. thanks for the info Joe, hi from Texas
Hey Andrew! Thanks for weighing in. Glad the strategy is something you find to be a benefit! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
can you add a etf that follows euro stocks EFAS to the anayisis
Hey Donald, I’ll take it away for potential future videos but honestly it may not make it into a future video. This ETF is not one used by many in my audience. What you can do is compare the performance of the ETF and their cash flow results with SPY and SCHD to get a fair idea of how it would do. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
I love these breakdowns thank you I just opened a Roth IRA and buying SCHD, JEPI, and DIVO
AWESOME! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Great video again
The Canadian ultimate etf divend portfolio is
Hyld
Hdiv
Hmax
Xei.
Awesome Ryan! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Great stuff but, how about DCA instead lump sum. Nobody really lump sums that big of amount in anything. It’s not smart or cost efficient. Can do show what a dollar cost average over time does ? Thanks
Does the U.K. pay withholding tax on US dividend ETFs? I know we do on individual stocks.
yes
Thank you for weighing in Nick as I was unsure of the answer myself. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
Just a quick question. IVV is the iShares Core S&P 500 ETF. Aside from IVV only having a weekly option chains, having a lower expense ratio, yields being similar, what are some of the major differences you see?
Hey Lance, there is really nothing else to it. You could easily place IVV in here instead of SPY. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
How about replacing JEPI with the S&P? So you have 1/3 SPY, 1/3 SCHD and 1/3 DIVO.
JEPI lags in total return compared to the other 3.
True Hans, BUT by replacing JEPI you lose a significant portion of dividend cash flow every year… so depending on how much cash flow you need this could be an interesting strategy to deploy. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
What about adding sp 500 cover calls...
You’re right Dr. Caban in that adding covered calls makes a big difference. In fact I do this in my own portfolio. 😎 it’s just hard to backtest… THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Great video, but don't forget the Global X funds (QYLD, XYLD, RYLD). I'm sure the cash value would be much lower, but what about the dividends paid?
Hi Rick! If anything I’d probably only use XYLD but then again that’s so similar to XYLD but does a worse job of maintaining capital appreciation.
Do JEPQ, JEPI, and SCHD. Does that perform better than the mix with DIVO?
Hard to say Jason because we don’t have enough data from JEPQ currently to complete this type of analysis. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
My 4 ETF portfolio: DIVO (37%), DGRW (21%), PEY (21%), SCHD (21%)
AWESOME JASON!! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Can you look at VIG and RDVY at some point
Makes sense that SCHD does better, in that some of the best S&P 500 stocks, are dividend paying stocks. Also, one of the best ways to pick stocks, is by picking stocks that have a long proven track record of increasing their dividend. This is what SCHD does, so it doesn't surprise me that it outperforms, especially during a time period that includes a bear market. Stocks that pay solid dividends, hold up better during down turns in the market.
Great video, love the comparisons. One item to check for your calculations, at least when reinvesting dividends, is that a lot of investment calculators don't take into account the fact that a fund like JEPI, pays dividends monthly. The compounding that goes on from month to month, can make a huge difference in the balance after a few years.
Thanks for weighing in with a quality comment James. Yes I used the ACTUAL daily price changes and actual dividend payments on their dividend payment dates for all of my calculations. 😉 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
do you think this is good time to create SCHD, DIVO, JEPI right now or shoud i wait for market to pull back?
Hey David! It’s a difficult question to answer. What will the market do next? I have no idea. What matters most is your current situation and your goals. I personally continue to buy in this market. I personally love SCHD in all markets. 🤑 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Congrats, another excellent and educational video about investment
THANK YOU for the feedback! 👍😎
Wow, was not expecting that. SCHD is king.
Agreed Martin! THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
SCHD has all the growth of SPY with lower volatility while spinning off dividends. Tough to beat! SPY has really nice options premium so you can make up for your lack of income by selling CCs.
Agreed Marc! I use BOTH in my own portfolio and sell covered calls on both. 👌 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
You compared SPY VS SCHD in down market where people don't want to dump dividends paying assets. Let's see how SPY runs much faster than SCHD in up market.
I agree that it's always better to have MORE DATA and that going back further than 2019 would be prudent. That being said, we can't just throw out 2022 as if it didn't happen. We will talk more about SCHD and SPY in the near future. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍🏻
What's wrong with letting JEPI grow for a year - then take out the profit for the year and use that for income for the following year ?
You certainly COULD do that. What would you do when there is a loss?
Would appreciate if you can review SVOL ETF and let us know your views on it.
Thank you for the feedback Tushar! I plan to cover this ETF in the future. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Wow you made the comparison with spy. Thanks for the overview. So spy really lost my interest being part of the div portfolio
Id like to see a video comparing reality income (O) vs DIVO in a head to head and see where they end up , thanks for your vids
Interesting Tim. I think there’s probably also value in adding REALTY INCOME to this portfolio to see where it lands with a dedicated real estate component. 👍😎 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I currently hold SCHD and SPGP at a total of around 38%, I'm tempted to add Voo as 12% so my portfolio is 50% ETFS and 50% individual holdings.
That is close to what I personally have: 45-50% SCHD and SPY with the other 50-55% being individual Dividend stocks. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
very detailed comparisons between the said ETFs....SCHD is the way to go IMO.
Already looking forward to your next video ..
Thanks Mervin! I appreciate the feedback! 👍😎
This confirms what we already knew: SCHD is a great ETF.
Im 18 and my portfolio is 50% schd, 25% qqqm, 25% jepi. Love these videos ❤
At 18years old I would skip Jepi altogether and focus on that growth you really don’t need the income from it and it just is hurting your growth add jepi when your getting closer to retirement
@@KCkohler keeps me motivated mainly
I agree with Kasey. You don’t have to just use SPY or low cost index ETF’s but I’d personally stick with SCHD at such a young age. JEPI is a much better fit when you are approaching retirement or the date you need cash flow. Plus JEPI is much les tax efficient than SCHD. Just my $0.02 though. 😉 THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Could do do one where QQQM or growth stocks are added to the perfect portfolio?
I needed this. I’ve currently have about 1/3 of my retirement portfolio in S&P 500 index. I’ve been strongly considering moving all into SCHD. I’ll give DIVO a hard look. Trying to maximize income, have some growth and have some fun.
I like it David. This analysis is limited to 2019 -> present and additional history IF AVAILABLE could yield different results, FYI. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Thanks!!
You bet Chris! THANK YOU for watching and for leaving your $0.02 in the comments! =)
Provided all other tax friendly retirement vehicles are being maxed out, would you see anything wrong with building up sizable positions in JEPI and SCHD in a taxable account to begin replacing earned income with passive?
GREAT QUESTION! I like both of those options though SCHD has much more favorable tax treatment. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
That's petty much what I'm doing. I max out my roth and 401k I just do up to company match all in voo.
In my taxable I'm all in on schd and jepi and smaller positions in jepq divo svol. 👍
Dgro has less overlap with SCHD and is more diversified than divo.
According to Jake on another UA-cam dividend channel
Thanks for the feedback - We may end up vetting a DGRO ETF inclusion depending on how it compares in our upcoming dividend ETF comparison. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Love your content! Do you use your option premium to build up new positions or do you use it to grow the position you got the premium from?
Hey Riley! Good Question. I’d say mostly new positions at this time. I am not using the premium to buy additional shares. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I have SCHD in a Roth IRA ( the only one ) but I’m planning to add JEPI also to give me the boost I’m looking for in my retirement account.
AWESOME! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Backtest 50% Jepix and the rest equally weight in the top 20 of S&P stock against your perfect portfolio and you will see some incredible results
Interesting Alex..I’ll have to look into that. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
"Past performance is no guarantee of future results."
I am still working on my ultimate ETF dividend portfolio. I do own JEPI, DIVO, SCHD and VOO. Like I said I may make some changes, I am still working on it.
Awesome Fernando! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Great video and explanations.
THANK YOU for the feedback! I appreciate it! 👍😎
Great Video! Thank you!!
You bet Kevin! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
I have JEPI, SCHD, DIVO and SPLG ( S &p 500). SPY is 406 &.09 %expense ratio). SPLG is 47 with .03% expense ratio. Dividends are almost identical. SPLG is +6.11% YTD & SCHD is + 1.09% YTD. I am retired & buy shares of all 4 every month.
Awesome Jack! THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
Thanks to Annette Michelle Walters a respected broker who came highly recommended by powerful stock market sharks, my portfolio grew from a quarter million to four million dollars in the first month of the year. You can never be too old to diversify, so do it now.
I looked her up on the internet, I love what I see, is she the one you are talking about ? I'm close to 60yrs and I can no longer stand the poor performance of my portfolio of half a million dollars. I’m in serious need of a good financial advisor, I have lost enough. let me know so I can write her ASAP.
@@amgengroup5352 Yes, she's the one; I'm confident that she can solve your issue, but she's usually busy. Try reaching out to her and cross your fingers that she will have the time.
@@daloriscutone6380 I really appreciate your effort, so please accept my sincere gratitude. I'll get in touch right away and keep my fingers crossed.
@Marchelle white Annette is the right person to run to if you're talking about stock investment, presently I have 7m$ in my portfolio and she is responsible for it, I started off with 500k, working with the right person or team is the best advice for anyone looking to make progress efficiently.
Back to the divo jepi schd battle. I would like to know how it would turn out if I was taking out a set amount per month like the average of all cash flow into months.
Interesting idea. You kind of get that by reviewing the LIVING OFF THE DIVIDENDS Tab. What would be interesting is to see what happens if you average the cash flow and or take out more than the average per month and hav3 to sell shares and see how long you could last or how future cash flow is impacted. 👍😎 THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I really like these possible portfolio comparisons
Awesome! Glad you like it! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
What I see from most videos is that unless you don't want to be 100% in one etf, just buy schd
Joe, I gotta say - these last few comparison videos have been OUTSTANDING! Having just started my channel, I'm a big fan of how much effort goes into each video!
Thank you for that feedback Wayne. I really appreciate it! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I think January 1st 2019 to December 31st 2022 is a good time frame for this type of comparisons. Great Work.
Thanks Fernando! I appreciate the feedback! 😎👍
Go down Market Cap for diversity...SMOT...5% position.
One interesting comparison is replacing SCHD with SPY and selling SPY calls on a daily / weekly / monthly basis with delta
I agree Michael! I do this in my own portfolio! THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Watched and liked! Love these kind of videos. Thanks for sharing this with the community Joe!
Can’t wait for your next video
You bet! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
So, for someone far out from retirement, go heavy in SCHD for capital appreciation and then when retiring rebalance heavy into something like JEPI or SDIV for the dividend income.
I have COWZ etf and it's been great.
COWZ is an interesting strategy. THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
Thanks
You bet!! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
SPYD may be a better choice with its 4.2% dividend payout.
We’ll find out Bob. We’re going to test the top dividend ETF’s to see which is #1. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
I got 55%JEPI , 45% SPY what you think ?
It's an interesting strategy. JEPI is not as tax-efficient so I would want to have that piece in a retirement account and something like SCHD may be more appropriate from a younger age. THANK YOU for watching Sonny and for leaving your $0.02 in the comments! 😎👍🏻
Instead of adding sPY, add VUG or better VGT…… then manage there you go….. VGT, SCHD, JEPI, DIVO
Thanks for this breakdown from a personal angle I am aware that continuing to invest during periods of volatility can be a smart way to build wealth. I’ve heard testimonies of people accruing over $250k in this red period. What measures can I take to achieve this?
you’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner
@@rebeccaartgallary I'm sure the idea of a coach might sound generic or controversial to a few, but new study by investopedia found that demand for portfolio-coaches sky-rocketed by over 41.8% since the pandemic and based on firsthand encounter, I can say for certain their skillsets are topnotch, I've raised over $400k from an initially stagnant reserve of $150K all within 14months.
The one fallacy is that the s and p has been proven to outperform over long periods of time, not just a decade.
Hey Richard, I agree that over long periods of time the S&P 500 has performed well and that it has beaten actively managed funds over time, but we can't just plainly state that over the long term the S&P 500 beats a well-managed dividend ETF such as SCHD. We just don't have enough history to make that claim. THANK YOU for watching Richard and for leaving your $0.02 in the comments! 😎👍🏻
Maybe using technical indicators like 200SMA or monthly rotations with the best performing ETFs could bring a better portfolio performance!?
Possibly but I personally choose to not trade on technicals. The juice is just not worth the squeeze. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
When there is a mutual fund with a clone etf why would anyone choose the fund over the etf?
So basically 60-70 in SCHD and the rest in JEPI :P
I'm shocked I hadn't vetted that strategy yet or at least 50/50. I will have to test that. THANK YOU for watching and for leaving your $0.02 in the comments. =)
Thanks Joe ; paralysis by analysis 😉 Great work as usual.
THANK YOU for the feedback Paul! 👍😎 As long as only 1 of us is paralyzed we’re good! 🤪
You can’t have 2022 in the equation. S&P dropped 20% last year..
I can appreciate where you’re coming from BUT we can’t throw out reality. Hopefully we can get more context when we review SCHD vs SPY in the coming weeks and get a full 10 year history. 😎👍
So it seems like to me from all the experiments so far, to DCA into SPY until retirement. Then sell SPY and buy SCHD commensurate to the yearly income you need at the time. As long as you don’t need the income right now.
But SCHD total return is not lagging the SP 500. And SCHD doubles it's divided every 7.2 years. So the 3.3% yield becomes 6.6% on a cost basis.
But SCHD has out performed the SPY for 10 years. Unless you think that will change why not just go with SCHD?
@@davidclark155 perhaps because you are paying more tax on a higher dividend at a time when you don't even need that additional income.
There is one issue with that approach; you'll be hit with one big tax bill when you sell all your SPY at a profit.
Are u buying spy on a non ira account ? Wouldn’t it be way better to buy and set aside on a Roth IRA Spy buys u always sell with in the Ira. Or 😅
Yes, very good point that must be considered is timeline. There are times, and in many cases, years when one ETF is doing better than others then they flip. If you bought Coca-Cola in July 1998 for $61.00 it took until April of 2022 to get back up to $61.00 that's almost 24 years! But just think if you kept reinvesting the dividends like Warren Buffett did? MASSIVE monthly cash flow!
We'd all love to "optimize" our portfolios for the best returns but it's really next to impossible so the best thing to do is buy and hold, reinvest the dividends and don't flip-flop and sell and buy and buy and sell just hold and reinvest! When you're a dividend investor bear markets can be your best friend!
Well said James. Sometimes simple really is BEST! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
Try about 20% in high growth tech like QQQ or VGT instead of the S&P. They go better together because they are less correlated
Interesting thought process though not sure I’d want to go heavy on tech with a dividend ETF portfolio. THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎
@@AverageJoeInvestor check the scores on portfolio visualizer, just a little tech can make a dividend portfolio grow much faster without causing much more drawdowns. It will also raise the portfolio Sharpe and Sortino scores.
@@travismartinson1813 I have 10-15% allocations for tech/growth etfs in my dividend portfolio too. Just to get a little more growth. Even tho i hold schd which also does provide great returns. But it's really more to offset the effects of holding jepi and jepq and svol.
My portfolio performance has been right in the middle of dow Jones and s&p. I'm good with that
@@jeancarloferreira9770 10-20% is all you need in high growth, any more and it starts lowering the Sharpe ratio.
I would love to see this video but with something like TQQQ instead of SPY to really double down on the growth portion of the portfolio
Borders on a dangerous game though. Leveraged ETF’s are EXCELLENT in a bull market…otherwise not so much. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
Borders on a dangerous game though. Leveraged ETF’s are EXCELLENT in a bull market…otherwise not so much. THANK YOU for watching and for leaving your $0.02 in the comments. 👍😎
@@AverageJoeInvestor I know, coupled with these dividend ETF’s to support it, I am just curious how it would turn out even if the percent invested was very conservative. Thanks!
Divo made this list ? lolol
I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 175K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a FA) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities.
@jaypritchett3414 Hi , please who is the expert assisting you and how do I reach out to them?
@jaypritchett3414 Thanks for sharing, I just looked her up online and I would say she really does have an impressive background on investing
Crap
Thought SPY would do better? Me too… THANK YOU for watching and for leaving your $0.02 in the comments! 😎👍
SCHD, JEPI , DIVO ! SELL COVERED CALL AND PUTS ON DIVIDEND STOCKS YOU GET ASSIGNED!
AWESOME! THANK YOU for watching and for leaving your $0.02 in the comments! 👍😎