SCHD vs JEPI: Which Retirement ETF Reigns Supreme?
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- Опубліковано 9 лют 2025
- SCHD vs JEPI: Which Retirement ETF Reigns Supreme?
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Chapters
0:00 Intro
0:16 SCHD vs JEPI age, expense ratio and volume
1:03 SCHD vs JEPI dividend yield comparison
1:24 SCHD vs JEPI dividend growth rate
1:47 Why JEPI's dividend will grow slow
2:03 SCHD's dividend growth history
2:13 JEPI monthly dividend vs SCHD quarterly dividend
2:52 SCHD vs JEPI 10 top holdings
3:34 SCHD vs JEPI sector breakdowns
5:46 What is an ELN? (equity-linked note)
7:27 SCHD vs JEPI total return (dividends + stock appreciation) comparison
7:41 SCHD's goal
7:49 JEPI's goal
7:57 SCHD vs JEPI drawdown comparison
9:24 Is JEPI a good ETF?
9:36 Is SCHD still a good choice?
9:55 How much JEPI stock you need for $50,000 a year in dividend income?
10:24 How much SCHD stock you need for $50,000 a year in dividend income?
10:58 How much SCHD and JEPI stock combined (50/50) you need for $50,000 a year in dividend income?
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Which ETF is better, JEPI or SCHD? We'll compare them side by side and show you how much you need to invest in each to retire with $50,000 in annual dividends.
Watch until the end for an example portfolio of each, and then a 3rd portfolio, with a Twist.
Happy investing!
Randy Perez
#etfs #retirementincome #highyield
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This is the best SCHD & JEPI comparison on UA-cam. Thanks for the great content as usual.
Thank you 😊
one thing people need to know as well is that JEPI dividend is non-qualified, and SCHD is qualified in a regular brokerage account. So, SCHD lets you keep more of the dividend payout compared to JEPI.
wow so SCHD lets you keep more of the 21 cents the pay as a dividend
@@Mike_Dark yeah it's not much, but it's less hassle for you when you do your yearly tax returns. Qualified dividend has a cap of around $40k where they won't tax you.
From a tax perspective, If you hold it long enough, it can be considered qualified?
Best explanation! I’m mixing both in my portfolio for now.
Bought 1000 shares of SCHD on the dips using DCA!!!!!
Excellent explanation of what an ELN is and how it works. Other channels describe ELNs as "mysterious," and leave it at that, leaving you with the impression that JEPI may be more dangerous than it really is. Both SCHD and JEPI together make an excellent combination, tilting the proportion of each towards what you need: dividend income or capitol growth. I hold both, and will be adding to those positions.
Thank you!
Thank you for that!
another difference is that SCHD pays qualified Dividends (less taxes). JEPI monthly dividend is not qualified and thus you pay more taxes since it is treated as regular income.
I wish I knew all the ones that are qualified
Thanks 🙏
Good point! Since JEPI monthly dividend is not qualified, it's probably a good fit for investing in through a Roth IRA.
Bingo! JEPI during the accumulation phase in a taxable account would be devastating to wealthy accumulation due to tax drag.
Yes. That’s why it’s a Roth only holding for me
I agree with your assessment. SCHD for growth focused years. JEPI for those who $800k+ in assests and near retirement.
Thanks so much for the fantastic video. I just discovered your channel and have subscribed. I retired 4 months ago so cash flow is very important so I'm in JEPI as well as some very high paying dividend stocks. I also do covered calls and selective puts. I've been able to generate fairly consistent returns by doing weekly options. Your logic for doing monthly and closing early is something I'll investigate further. I bought your kindle book and will definitely view more of your videos. Thanks again!
Congratulations on your retirement! 🎉
Thank you for sharing your personal trading and for your support!
Randy.... without a doubt, this is your best and most practical vid!! Fantastic presentation and masterfully explained!! Thanks
Thank you for that feedback! I appreciate it and you. 😊
I am playing around with a new comer as well, SPYI. I have it and just started adding SCHD as well to my retirement portfolio.
I own both. Also sell calls against SCHD to more than double the yield.
Do you make money from calls every month? Are they covered calls options?
@@louis20122 Yes, monthly covered call options. I sell puts on bad days and calls on good days. At any given time I'm holding some shares to collect dividend payments.
Yes, we do. Here's a monthly video series where I show our cash flow from the previous month as a result of trading options: ua-cam.com/play/PL3j38I2YtGw0W9xSkNpaOw73OmuEA5xf9.html
Great video. I put 100 a week into SCHD and will until I retire as part of my strategy. The one thing I like about SCHD is that I can really rely on the underlying stocks to grow. Not as certain of that with JEPI.
I too really like SCHD's companies. I'd like to see more history behind JEPI before I cast judgment on it.
In today’s environment, that’s exactly why some might prefer jepi
Buy a mixture of both.
This was great I like the combination of both.
Thank you very much!
75% in SCHD pretax and 25% JEPI on the Roth side of my 401k. 3 years or less until retirement! Drip is on and 18% plus company match still going in until I retire. Setting up nicely.
Congratulations! Thank you for sharing 👍
SCHD is the best investment
I am retired & buying both every month.
Thanks for putting this together, Randy. I’m really enjoying your content. Keep up the great work!
Thank you. 😊
What about this thesis ?
Own both. They have different holdings. Different strategies, yields , and trading volume. If both track the same returns you are just hedging against two great race horses to win.
My humble thinking is a mix in retirement. You get growth SCHD and income JEPI. Look at what you need and mix 25% JEPI & 75% SCHD. Adjust from their. Use funds for what they are for income or growth.
I’m looking at both etf too..
Thinking not would be better to grow with SCHD till retirement.. then swap majority portfolio over to JEPI..
I’m non US citizen I guess 30% tax apply to dividends..
Not sure if monthly payout face the tax. Then if I reinvest back to JEPI n again face a tax cut following mth.
Or is the tax apply to the funds when we withdraw from brokerage.
I like both for retirement portfolio as well…$1M split 50/50 between JEPI & SCHD would yield nice accumulation along with comfortable monthly cashflow.
I'm within 5 years of retirement, so no contest- JEPI over SCHD. I'm getting past the accumulation phase of investing so JEPI works better for me. I won't need huge capital appreciation in retirement so the modest growth of Jepi is just fine. Wow what a difference in what you need to generate 50k/year...$426K or $1.4 million. The quarterly payout of SCHD is also a deal breaker.
BTW, I pair JEPI with DIVO & $ O Realty Income & they work great together. Thoughts/comments?
I like DIVO as well. And, I really like O also. I actively trade O and buy it when it is discounted.
Great explanation, Thank you
I have JEPI in my portfolio as well as HYLD which also has JEPI as one of its holdings.
Glad it was helpful!
HYLD has a huge 1.16% expense ratio. You OK with that?
I think it’s important to look at the historical performance data and the very real tax implications, which are substantial with JEPI. To each their own, but the data clearly shows you are paying 6x the fees for a fund that under performs both SCHD and the market.
I’d still prefer JEPI over bonds, but so far, pulling a 9% distribution from a portfolio of 100% SCHD is clearly the better choice vs. spending the 9% distribution from JEPI (7.2% annualized outperformance and 19.3% more wealth since inception of JEPI). Project that out over the course of an entire retirement period and we are talking millions of dollars of sacrificed wealth by investing in JEPI over SCHD.
The portfolio performance improves markedly if you use a 70/30 portfolio of SCHD and JEPI. The annualized outperformance of 100% SCHD shrinks to 2% and the overall account value gap shrinks to 5%. The sacrificed wealth is still substantial over a full retirement period, but not nearly as bad as with 100% JEPI. And you could confidently spend 100% of the distribution without having to worry about eroding principal or losing purchasing power to inflation over time due to the organic income growth of SCHD. Much better tax treatment of the income as well, with the STCG income of JEPI likely falling under the standard deduction threshold for most retirees ($1M portfolio or less).
That 70/30 combo would be a higher quality portfolio with 60% less management fees, a very strong 5% starting yield, and an organic 9% 3YR dividend growth rate. 70% of the distribution would be taxed at LTCG rates, and you’d get the additional benefit of double the diversification (roughly 200 companies vs 100 with either fund by itself).
Nice. Thank you for this.
I really appreciated this video! Well done! Thanks Randy!
Excelent video. You do a very good job putting the relevant information in a way that is easy to understand. Thank you
Glad it was helpful!
Any ETF is good for me if my principal is safe (growth is okay but not important since I am ready to retire), not losing value and distributed dividends or options premiums are high, safe, sustainable for decades.
Excellent information! Very well organized, great visuals. Thank You
Glad it was helpful!
Well put together video.
Thank you very much 🥳🥳🥳🥳🕺🏽
Great video, was just moving part of my 401k into a rollover brokerage account we’re I have access to these ETFs. Purchased JEPI, JEPQ, SCHD, NVDA and O, with my first installment, second installment will be divided differently based on #s you showed for monthly / yearly returns.
Thanks for sharing!
just do both, or maybe a little higher percentage on SCHD and maybe a combo of JEPI and JEPQ for the remaining percent
That is what I do. 60% in growth/dividend ETFs like SCHD, 20% in JEPI/JEPQ, and 20% in REITS. Everyone argues over what is best. It is like arguing what is better a sedan or a pickup truck, they both serve different purposes. If you can, mix between them.
Bought 6000 shares of jepi when I retired. Getting 3200 month in dividends. Don’t really care about growth at this stage of my life
Thank you for sharing your personal story 👍
Figure that plus social security, 401k, sale of a house down the road perhaps, you’re more than set! 💯
What is your cost basis on your 6k shares?
Isn’t that non-qualified dividend tax treatment?
That’s awesome. Inspiring. I’m 23 almost 24. Hoping to get there by 40-45
A nice change of pace, Randy. Staying in this lane, how about a deep dive into REITs, CEFs, etc? Thanks for the video!
Thank you. I really like that idea! I’ll definitely work that in.
@@StockandOptionMyLifeOfLearning Also BDC;s.
I’ll take Jepi !! Thankyou Sir !!
if you are retired, put 80% in JEPI and 20% in SCHD. Make sure JEPI is in tax differed or Roth accounts because a lot of that dividend is nonqualified.
I've got SCHD, JEPI and KO in my dividend portfolio. Time to sell the KO position and put it into a grower like SCHD.
You did a great job, and thank you for this video
i have both 😊
I love this example of JEPI! What is your take on STAG? I like the look of it, but I would value the second option. Thanks in advance 😊
As far as industrial REITs go, I like STAG. It's not trading at a great discount right now, but overall, I like the company.
Both
Excellent information!
Great video. I work with both and sell options on both. Best explanation on how JEPI works.
Awesome, thank you!
How do you sell options ? Do you sell covered calls on these ?
Great video! What comparison tool are you using at 11:00?
Thank you. That’s on simply safe dividends.
Great analysis!
JEPQ may be better since it follows more tech for growth later on. but it dips more. holds amazon nvida Microsoft google and apple. Maybe owning the two may complement better since they don't overlap to much.
Exactly. I own both.
Great video
I wonder is it better to take the dividends and leave the investment alone, or is it better to reinvest the dividends and sell shares as cash is required?
Great question! I would think the answer would actually be tax related. It depends on which way would result in you paying less taxes. That's probably a question you should run by your accountant. Dividends are usually taxed at a lower rate, but if you were able to show a loss on some stock, that might help your taxes.
A legendary comparison!
I like how jepi is nicely diversified, is there any cc ETFs that sell and buy call options?
Yes, there are. I don't trade in any at this time, however, I wouldn't be opposed to trading in them in the future if I didn't want to spend as much time on my option trading. Here are a few ticker symbols you could look into: QYLD, XYLD, RYLD, and DIVO to name just a few.
So, it kind of sounds like I should grow my account with SCHD and then swap everything over to JEPI when I am ready to retire. What I mean is, if I only need 426k to get 50k a year with JEPI, and I need 1.46m to get the same amount with SCHD, if I take the 1.46m of SCHD and converted that to JEPI at retirement, I would be making well over 150k a year for the rest of my life versus 50k.
I don’t like either one. I’d much rather hold spy and sell calls if I go the etf route
Thank you for sharing. 👍
true but why not SPX. Just wonder.
@@suthamm SPX is too expensive to sell covered calls, for the majority of people, and credit call spreads can be a nightmare to roll, if they get even a little in the money.
I love high dividen ETF'S I also like JEPQ 17.5 DIVIDEN !!!
Do you think jepq and jepi are sustainable and will still exist in 10 years??? Looks too good to be true.
@@unorthodocs1 what do you reinvest the dividends into then? Sounds like a great portfolio you got there.
My brake down is jepi, jepq, vym, schd, average divided 9%
@@unorthodocs1 Thanks. I just wonder if jepi jepq will drift lower with time like 5-10 percent per year. Otherwise the returns are life changing. Maybe I won't have to work until 65+...
Good video! Now all I need to do is find the money to buy $3 million of SCHD and I'll be good to go!
Just starting is sometimes the hardest part.
Would it be possible to drip the jepi dividend payout into an SCHD account to increase your Schd holdings?
Yes, some brokers will let you to do that.
Yes, JEPI hasn't a long track record but it's portfolio is in less volatile stocks. I think it's worth the plunge?
Those options JEPI sells help decrease its volatility also. Both ETFs offer nice dividends, but approach it from 2 different directions.
What would be the stock implications of each type of holding thank you
I apologize I don’t understand your question. If you can please rephrase it a different way, I’ll try to answer it.
When filing taxes how are these funds classified. Ie. Long term capital gain etc. ? Thanks
Two completely different ETFs, one for growth, the other for income . JEPI, however, will not do what it did in 2022 from an income perspective going forward it will navigate back to to its historic and targeted 7-9% long term. DIVO is my fav cc ETF
@Richard Thorne
Good point on JEPI. I'll still take 7-9% yield in a bull market & the higher yield in down markets. I own both DIVO & JEPI & love em. Also $O Realty Income
What about Jepi and Jepq? That’s a good combination too, particularly in a 401k.
I am 55. I would go with JEPI when I turn 60 in my IRA, I should have around 400k. 40-50k a year would greatly supplement my pension and social security. That would put me a little over 95-100k a year doing nothing. I will work part-time.
Thank you for sharing. That extra income would definitely help in retirement. And I like the part-time work because it keeps your brain active which I think is very important at any stage in life.
I got 20 yrs before i can withdraw ssa, so my thinking is to liad up 14k these first two years of roth and then start going 50/50 with both until I hit the big 50 then going maybe 80/20 jepi and maybe put all dividends into jepi at 55.😅
Thank you for sharing
I like JEPI, also sell puts and calls against JEPI
How about selling covered call on JEPI, even though JEPI itself you said is a covered call? :)
If you don’t mind it being called away, why not. 😁
What program is he using to do these comparisons?
If you’re referring to the side by side comparison of the 2 ETFs, it’s Seeking Alpha: www.sahg6dtr.com/B37MNP/R74QP/
If you’re referring to the numbers towards the end of the video about how stock you’d need for $50,000 a year income, that’s on simply safe dividends.
Won't the JEPI portfolio grow if you leave all dividends in the fund ?
Sure if you reinvested the dividends that should help it grow.
SCHD is for a stable long term investment with solid returns and growth, JEPI is for people who see big yield numbers and either can't understand the math or are fine with trading future growth for income.
I understand just fine. JEPI is superior to SCHD for folks in retirement that want to live off dividends & never sell shares. The whole "4% rule" in retirement stinks. Try selling shares in retirement in a bear market. No thanks.
@@stevedancause1329 The issue with relying on JEPI in retirement is that your JEPI holdings will not even keep up with inflation, you'll simply eat through your principle over the years. SCHD offers growth to both the dividends and the principle, thereby assuring you won't be broke if you live 30-40 more years.
@Andrew B
JEPI states that it won't return what the S&P 500 will, but will give you a modest return. Certainly more than inflation. The monthly dividend growth & yield is excellent. I could see paring it with SCHD or VTV
@@stevedancause1329 What they state doesn't really matter as you can just back test JEPI to see what it actually returns. It has hardly any history but you would see that if you have to live off the dividends from JEPI, the principal actually decreases. So the money in JEPI will eventually evaporate. It's a fancy vehicle for converting your principal into monthly income, and you get to pay higher taxes and management fees on top of that.
@@dexagalapagos I see JEPI and JEPQ in my further even though I hold SCHD. I am 55. Not many people have over 1 million in their retirement accounts and never will. When you are 60 plus you don't have time for growth, you're in the end game. I should have a work pension plus social security, maybe a part-time job.
How do ETNs behave under duress?
It depends on how they are structured. However, as long as there’s not a default on the bond, if it’s structured the way I mentioned in this video, you should at least get back your “guaranteed” principal.
@@StockandOptionMyLifeOfLearning thank you
My vote is Jepi.
What about JEPQ.
I like JEPQ also. It’s one I might do a video on the future if I get request on it.
Maybe do both Jepi and Jepq and forecast in 7 to 9 percent dividend returns instead of the 10 percent amounts. Also realize every 10 or so years there will be a bear market too. I’ve also seen the 4 stock mix of schd, dgro , vym, vig
Why not many UA-cam videos about CEFs like PTY or PDI or BST??? Are their expenses ratios too high???
They are kind of a whole different animal. I actually have it, based on a suggestion here on UA-cam, to start adding in some information about CEFs. Thank you for your suggestion here also.
Can’t believe you did not mention the substantial tax drag on JEPI! That and that massive under performance in total return make it impossible to choose over SCHD for me.
Can’t forget a 30-40 year retirement is also a long period of time. Need solid growth during that phase too. I’d only feel comfortable spending about 40-50% of the JEPI distribution and have any hope of keeping up with inflation over time.
Thank you for sharing your thoughts. If the investments are held in a tax free account than taxes are not a consideration, but if held in a taxable account, then you would want to consider them.
As I mentioned in the video, all of us are at different times in our lives. You made a great point if you’re younger and don’t have a desire to live off those dividends for a long time. But in reading other comments, for some that are close to or in retirement, they love JEPI. The taxes are a cost of making money.
So it’s important for each investor to look at it from their own standpoint, situation, and long/short term needs and goals.
@@StockandOptionMyLifeOfLearning thanks for the reply, Randy! Just my opinion, but I think it’s important to look at the historical performance data and the very real tax implications, which are substantial with JEPI. To each their own, but the data clearly shows you are paying 6x the fees for a fund that under performs both SCHD and the market.
I’d still prefer JEPI over bonds, but so far, pulling a 9% distribution from a portfolio of 100% SCHD is clearly the better choice vs. spending the 9% distribution from JEPI (7.2% annualized outperformance and 19.3% more wealth since inception of JEPI). Project that out over the course of an entire retirement period and we are talking millions of dollars of sacrificed wealth by investing in JEPI over SCHD.
The portfolio performance improves markedly if you use a 70/30 portfolio of SCHD and JEPI. The annualized outperformance of 100% SCHD shrinks to 2% and the overall account value gap shrinks to 5%. The sacrificed wealth is still substantial over a full retirement period, but not nearly as bad as with 100% JEPI. And you could confidently spend 100% of the distribution without having to worry about eroding principal or losing purchasing power to inflation over time due to the organic income growth of SCHD. Much better tax treatment of the income as well, with the STCG income of JEPI likely falling under the standard deduction threshold for most retirees ($1M portfolio or less).
That 70/30 combo would be a higher quality portfolio with 60% less management fees, a very strong 5% starting yield, and an organic 9% 3YR dividend growth rate. 70% of the distribution would be taxed at LTCG rates, and you’d get the additional benefit of double the diversification (roughly 200 companies vs 100 with either fund).
For me, I’m still about 80% SCHD and 20% options trading, but I could understand the argument for a 70/30 mix of SCHD and JEPI instead. Completely passive, set it, DCA into it and use your time and energy for other endeavors in life. Likely the best option for most people.
It's not for everyone. But there are cases where JEPI does make sense. But it depends on your tax bracket, deductions, etc. It might make sense to be heavy in ordinary dividends for some people. This is tough to say it's a drag on the ETF when it is a drag for some people and some it's not.
Everyone commenting about JEPI throwing off nonqualified dividends is correct. However, even if you're in the 37% tax bracket, you're taking home 67% of that big yield
You can always sell CC against your JEPI or SCHD positions. Great way to grow your portfolio.
good luck selling CC against jepi. There is basically no market for it.
@@goodbodha There's no market for selling CC's against SCHD either
I will stick to SCHD, first of all, JEPI only offers a very good dividend return, but you dont know yet if it will offer the consistent capital gain like what SCHD offers, JEPI only offers a good yield and that is using options, which i believe it will not be consistently making 11% yield.
anyway, it's stoo early to tell whether JEPI will beat SCHD ( both in capital gain + dividend gain for consecutive 10 years ) since the fund is only 2 years old.
I would wait out at least 5 years to see if JEPI will be the new king of dividend etf or not.
Thank you for sharing your thoughts on it. You made some good points.
@@StockandOptionMyLifeOfLearning
Thank you, also you have areally great channel! subbed!
Total return will be less with either of these funds, compared to classic retirement portfolios.
I agree that JEPI and SCHD are not for everyone. However, they might have a place in certain people’s portfolio as a part of a well balanced group of investments
@@StockandOptionMyLifeOfLearning My 87 year-old dad is extremely risk averse. He's even afraid of the 3-month treasury fund I've currently got him in. When rates go down I'm going to float a JEPI/DBMF/SGOV (34/16/50) portfolio to him. The near perfect inverse behavior of JEPI and DBMF together is great for those who are irrationally afraid of losing any capital but who need more than savings account interest.
So the difference in investment to get $50,000 annually from the dividend is $1,000,000. What if you had $50K annual coming from JEPI and invest the difference in a simple index fund. This difference cant be ignored. Total investment is not an apples to apples comparison.
There are unlimited ways you can structure this. But what you mentioned is definitely one that an investor could consider. 👍
What about taxes is very important they are taxes different should talk about it
Taxes are an important part of the equation, especially if these are being held in non-tax deferred accounts.
@@StockandOptionMyLifeOfLearning Are JEPI distributions considered long term and short term capital gain?
SCHD needs growth to continue being so great .. JEPI doesn’t require growth .. in todays investment environment, I’ll roll with JEPI
QYLD was the proclaimed golden ticket by youtuber's a few years ago and is now taboo. I'm just wondering what the next QYLD will be that was recomended by youtuber's today.
I feel safer with SCHD
i own both and right now I'm down big time on SCHD since JEPI has paid enough dividends to cover the general decline of both ETFs.
Really? Big time down on SCHD? It was down less than 4% last year though.
Yes. I bought SCHD at 79. Down 4.3% as of Friday. Pretty much even on JEPI but a little up if you count the dividends. Timing is important. More important in the short term.
@@scottcampbell7944 No one can time the market. At least, you are not down that much compared with others who probably down double digits.
I saw a video which backtested attempted market timing entry vs random entry on an index fund. Over the long term there was no appreciable difference. The moral of the story was : get in and stay in.
Nice 👍 can you please advice which one is better ?
To be honest, these covered calls options ETFs should be treated like annuities. I maybe wrong but I don't see any growth except income from both dividends and options premiums which I hope they will be high, safe and sustainable for decades to come and one's principals are not diminishing. A positive thing is with ETFs that use covered calls options strategy, you can get your money back and not with annuities.
Thank you for sharing.
If u take the full dividend though on JEPI, I think you will deplete your account over time.
Maybe invest 10% of the dividends back into jepi and each month
Jepi sells out of the money calls and I think they only sell calls up to 80% of the fund so it's possible to have growth
20 percent
Any proof of that or you just make it up?
My goal is to reach FIRE at age 30. I foresee a portfolio of 50% JEPI, 30% SCHD, and 20% individual picks (dividend paying value investing)
I think these two compliment each other. If I was helping a new young investor get started, I would recommend a 60/40 split JEPI/SCHD and call it a day
You can do it!
Why not both along with dozens of other ETFs & stocks?
Well SCHD created on the start of bull market
It did start right after the great recession 👍
What age do you have in mind when you say near retirement? Anyone can retire anytime if their financial situation is good.
Yes, it really depends on where you’re at financially. And ultimately, it’s something that each trader investor has to answer for themselves. But I think the answer would be, when the person no longer wants to work anymore, and has enough assets to sustain them. And those assets should grow to cover things like inflation, and any expected/unexpected increase in healthcare cost or things like that.
Love to see video on DIVO
Thank you for the suggestion! I’ll try to work one in soon.
JEPI target yield is around 6-7%. This is an outlier. Schd will crush jepi in 5-8 years and then soar past it
I believe they are two different products. They’re both dividend products but JEPI focuses on income now whereas SCHD is designed to focus on dividend growth with a decent starting dividend yield.
@@StockandOptionMyLifeOfLearning they are different products. But if the goal is income, schd will surpass jepi in relatively short order and then continue to grow it’s dividend forever.
just have JEPI pay you then use that dividend to buy SCHD
That's what I'm looking at now. 90k in jepi to stay below poverty income. Then all dividends into Schd since they're qualified you can make 400k or something before being taxed. From the information I've gathered this seems to be correct, with no other sources of income involved.
Schd all day. It will catch up and then destroy jepi long term.
It’ll be interesting to watch over time.
Two completely different animals
Zero JEPI in any of my accounts. Between the tax hit and long term gains it just isn’t worth it.
My IRA is 70/30 SCHD/DGRO
Brokerage is 50/30/20 SCHD/QQQ/SOXX
Thank you for sharing
Is anyone part of the Patreon ?
We currently have 393 Patreons. Not sure if you have a general question about it or not, but here’s a video that talks through the different tiers: ua-cam.com/video/Ve_P62GhX1M/v-deo.html
Don’t forget having covered calls on schd de qualifies the dividend as qualified
Yes the option premium would most likely be classified differently than the actual dividends depending on what country and tax law you fall under.
They both have a lot of badd companies on them . Bestbuy being one of them .
You do want to do your own screening for what type of companies you prefer. I like to pick my individual stocks as can be seen in this video: ua-cam.com/video/tg3KPwl1F90/v-deo.html but if an investor doesn’t have the time or desire to do that, ETFs like this might be another option, or they can watch my Patreon trades 😉
These are nothing like each other. Not a good comparison
Thanks for sharing your thoughts. IMO sometimes it’s good to compare investments that are different, not just ones that are very similar. Sometimes by combining 2 very different investments you might create 1 overall investment that helps you reach your goals.
For MAX Growth is better to take "SCHW" ETF he got 23% Dividend Growth ! He destroy SCHD and Jeppy after 10 Years extremly
That's really a decision each investor has to make for themselves, because each ETF offers different strengths and weaknesses. You might find this video. Interesting: ua-cam.com/video/pn7FJdqfR2E/v-deo.html