I actually did set one up in my late 20s, and honestly, it's been a game-changer. The tax-free growth is huge. But the real key was having a solid plan for it. You can't just throw money in and expect magic
I didn't even know what a Roth IRA was back then. All I did was save a little here and there, but nothing serious. Looking back, it was such a missed opportunity
That's what I'm starting to realize now. You need to balance your investments, right? A Roth IRA is great, but if you're not managing it properly-like diversifying between stocks, bonds, or even real estate-it might not perform as well as you'd expect
That's something I wish l'd done earlier too. Who do you work with? Because l've been managing mine on my own, but I feel like I'm just winging it at this point
Exactly. A lot of people think, 'Oh, l've got a Roth IRA, so I'm good to go,' but it's not that simple. You've got to have the right mix, and that's where a wealth manager really comes in handy. Mine actually helped me balance my investments early on, which I think is why my account has grown so much
I work with Eric Paul Elmer. He's been in the game for over 20 years and really knows his stuff. When I first started, I had no clue how to allocate my investments.
How do you feel about Covered call ETFs? I don't have the experience to sell SCHD myself. But I hope the ETF management does. I just really want to know more about these things before investing, only if someone can put me through.
I'm approaching retirement and having a financial advisor has been helpful. I started investing later than most, so relying on compound interest from Etf's or bonds alone wasn’t enough for me. Despite that, I’ve managed to do well and am on track to retire with around $2 million
@@MichaelGabreil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs
@@EbrahamAljalil I looked for the name online and found her page.I will get in touch with her,Thanks for the help I emailed and made inquiries. Thanks for the help
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Most people have a 'do-it-yourself' mentality but lack the necessary expertise. Financial advisors are ideal representatives for investing, and I can attest to this. Been working with Monica Mary Strigle and Since covid-outbreak to date, my portfolio has grown by over 330%, reaching nearly $1m. Check online if she meets your requirements.
That’s a great mix and very similar to mine. SCHG has been a real diamond over the last 15 yrs for me and I predict no changes. SCHX very similar with a little more dividends. Good luck spending all that money!
The first day SCHD is positive in your IRA, sell it and focus on growth stocks. SCHD is a great retirement fund once you have a lot of cash. It's what an annuity should be. Pay you consistently yet doesn't F you in so many ways like the annuity... 50 SCHD, 25 JEPI (less year over year growth but pays out much more to increase your income), 25% rock solid single companies paying consistently monthly or quarterly. Earns you income, and you don't touch much. Dividends don't get you to the finish line fast enough, they ARE the finish line.
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO. Personally I put down 1.2m$ on few ETFs, still diversifying. it was this time last year I made my first break through with a liquid 370k. Handed it to a trader here in TX, I get weekly pay out which I put back on long term ETF's. Tesla will be a huge buy for me when the market bottoms.
I met Jennifer Kristie for the first time last year at a women's conference here in Pennsylvania, and my life has changed for the better since then. God bless her!
I’m 60. retired 3 yrs ago. collecting a pension. Last month I finally rolled my 401k 50% in schd 50% FXAIX dividends payout last week 1900.00 and I’m reinvesting each quarter. Retired debt free. I’m glad I went with my choices.
@@musclecars4635 rolled it all into an ira. I will be taxed on the amount I take out. Which won’t be much as my pension covers my expenses. And I have funds remaining each month.
Pumping 20k more to SCHD today. Thanks professor for all the amazing content. Very informative and accessible for most of people. Always a fan of your investment strategy.
I’ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend?
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed within a short period.
She goes by Sonia Nunes Demelo. I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did
thank you for putting this out, it has rekindled the fire to my goal... was able to spot Sonia after inputting her full name on the web, she seems highly professional with over a decades of experience.
I bought $16k worth of Nvidea before their 10:1 split. It went up quickly, but to my surprise, it dropped lower a month later. Had I waited I would have picked up alot more. Nvidea is a bit different since it's an individual stock and not an etf like SCHD. I ended up buying more Nvidea when it came down. I believe in Nvidea other panicked and sold. SCHD is a solid choice. I believe either way if you can buy before or after. Key is to hold long-term. I am thinking on buying several thousand worth of SCHD 😊
Started DCA as an experiment a year ago at $7 every market open day and just hit under 30 shares today. It's a solid method for anyone looking to start small and has a long-term goal. Teaching the kids about it so they can build up their retirement goal without breaking a sweat or even learn about investing.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Brooke Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Currently, I carry 30% of my portfolio in SCHD and slowly increasing my stake as I get closer to retirement, planning on having roughly 300k in the ETF for dividend income during retirement to supplement Social Security... take the dividends and never touch the investment.
@@iurevych QQQM, SCHD, VOO are the 3 fund that I carry as I progress closer to retirement through M1 I keep increasing the contribution % going into the SCHD
I have a financial advisor for the past 2 years and I see that he invested in very complicated stocks, I started to follow your page 6 months ago and keep it simple and invested just in QQQ, SCHD & VOO and invested same amount I did with the advisor and the result were double which is still shocking to me. Now I am not sure what I am paying a fee to the advisor for, thank you for sharing your knowledge advice take the time to post your videos!
When it comes to shares, is there a cap of the amounts of share you want to own ? If so; what is the amount of shares and once you complete that goal, would you continue to invest in the same stock or no ? Any advice is greatly appreciated
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Stacy Lynn Staples” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Proffer G, great info! Thanks for sharing, because of G and SCHD I'm on my way to Cancun on Friday for 2 weeks! This last dividend payment was juicy so I'll participate in a quick getaway!
Thanks bought 100 shares of SCHD today. It has been on my radar for a while, but I was in protection mode given the direction I feel the economy is going. I feel we are getting ready for a very bumpy ride. But I will do what I have always done DCA.....
Never base your investment decisions on your feelings. Long term the market is up more than down. Just remind yourself of that. I got 7 digits in SCHD and won’t lose any sleep.
@kevinhughes1236 I'm not sure of your age but I am a few... Very few years away from retirement so I was sitting on more cash in case of volatility or layoffs as banks and real estate are getting hit hard. My portfolio is much higher in terms of risk than most people in my stage of life. Just have to be smart.
@@antoniobrown1616 Do you think that I should buy some SCHD stocks. I'm only 16 but want to start investing some money that I have. Is it smart to put 1000 dollars in SCHD or should I start off smaller and put 500? Do you also recomment me buying the stocks right now or wait til it drops?
I don’t think anyone can really accurately predict what the stock price will do after it splits, but it’s very likely older investors will wanna take some profits, and at same time newer investors will wanna start yoloing into a decent sized position whereby they might be able to write calls or put options on for extra gains. If the recent LCRX and SMCI split have shown anything it’s that there’s likely to be a ton of price swings initially after the split as well as higher volatility on any options plays. Tread carefully, and invest for the long term if you’re going to at all.
Great video. Thanks Professor G! I'm stuck with Schwab, and I switched from VOO to SPLG a few weeks ago, because I can get something in every paycheck instead of quarterly. Low prices are great for newer investors who need to build good habits and aren't at the height of their earning potentials.
Just move your assets to another company that allows fractional purchases like Fidelity. Just make sure you have all your IRA / Roth tax documents to help out with a future sale.
Thank you for the response, Professor G. How about I split my portfolio by 33% VTI, 33% SCHD and 33% on 8 individual stocks (MAIN, O, VICI, MSFT, SBUX, V, WSM, NVDA)? It this good?
I initially did the big ticket buy, 125k into SCHD, 75k TSLA, 25k VYM, 25K VUG. Now I'm dca buying roughly 2k every week of whatever is on sale, and looking to add more tech positions to my portfolio. I'm looking to hold long term 15 - 20 years, so hopefully my lump sum buy in doesn't bite me in the ass long term.
In the past month, my "unexciting" index funds provided me with over $6,000 in dividends, giving me the option to spend without selling shares. Currently, I've opted to reinvest the dividends to acquire additional index funds for future growth.
I agree; I have approximately $1m in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
Professor, thanks for the talk. FYI, in July I was wondering what to do w/extra cash coming into my retirement so I went w/a friend's advice and bought $10,000 or 100 shares of SCHG. Then I found your channel and it has been a delight. So in August I bought $10,000 or 125 shares of SCHD for a two ETF fund portfolio. Now, what to do next? I have enough xtra cash for one more purchase before the EOY. I watched tonight's show and the suspense is over. I bought another equal amount of shares of SCHD. So now, I have 101 shares of SCHG, and 252 shares of SCHD to enjoy. Next year's first purchase will probably be another 126 equivalent shares of SCHD. looking to get into a three fund portfolio, sometime. Keep me advised and thanks for the fun.🙂
On Fidelity, you can buy fractional shares. You can set up automatic purchases, such as invest $500 in SCHG on the 16th of every month. Set it and forget it.
It’s an etf people. Don’t expect major bumps. It’s about being competitive with other ETF’s like SPHD. The more they attract, the more people paying their management fee. It is good for the etf health, but will have little effect on value.
I see the appeal for new investors. When I began it was daunting seeing stocks or ETFs worth hundreds per share. I thought I couldn't get into those ones but learning more and having the option to buy fractional share made it...... Simplified 😂
an ETF split is not the same thing as a stock split. Yes, it will attract more investors (probably) but it won't push up the value of SCHD because the value of SCHD is tied to the value of the underlying stocks - so, yeah, SCHD will invest that new money into those stocks, and yes, that will drive the price of those stocks up a tiny bit, and so SCHD will go up a tiny bit - but it will ONLY be a tiny bit, because the market cap of all of the underlying stocks is going to be in the many trillions, and the amount of new money moving into schd as a result of the split won't be enough to move the needle on the value of the underlying shares (much).
You nailed it. Also I might add, that a stock split like the one Nvidia did, 10:1, is likely to drive investors because the price for an individual share dropped from ~$1000 to ~$100 which makes it considerably more affordable. SCHD going from ~$84 to $28 seems pretty insignificant. I doubt there are many investors sitting on the sidelines going "Geez I have $30 to invest and I wish I could buy SCHD but its just too expensive"
@@TonyCox1351 That's exactly why Schwab said they did it though, to drive interest from retail investors, AKA people who can't drop several hundred or thousand at a drop of a hat. This will heavily impact people who are slowly adding shares one at a time to build wealth. 84 absolutely does keep me from being able to purchase more than a couple shares a month, but with the split I'll be able to purchase much more. That's what it's about.
It doesn't matter when you buy...before or after split. The value of your holdings after split is still the same. You're just getting 3x more shares at 1/3 of the share price that's all. Think of it like a pizza. No matter how many slices you cut into that pizza the size of that pizza remains the same.
The excitement can come for growth funds like SCHG though when the price appreciation gets to where it was again. Really good value at that point. For dividend ETFs it will be nice when the dividend gets to the previous amount
@@FreakyLynx or it could be the opposite. A lot of investors that aren't paying attention will look at the new price, not realize there was a split, and sell in a panic thinking the value of the etf went down. It all depends on how informed people are. I do believe the price will go up, but there's a chance it might dip in the very beginning of the split.
Thnx Prof G! Question if the record date is oct 9 which is tmrw does that mean I have up until tmrw before market close to buy schd/g before it splits? Or was today the last day oct 8th?
Quick question: What happens to your stop losses if you forget to remove them before a stock split? I'm removing mine now because I'm not sure how it will pan out. Thank you!
I was so confused when I woke up this morning and saw my SCHD shows a 60% loss, but the value is actually up. My brokerage app is still averaging from my original cost basis of around $70 per share, but now I have 3x the shares I had before, so while it says I'm in the red 60%, I have actually made around 25% in gains over the past 12 months. If you're seeing a big red number on your portfolio, check the cost basis and make sure, you are probably also in profit even though it looks like you're down
@@MillsapsFan yeah that depends on when you bought in, you probably paid a higher share price than I did on average. I've only had it for about 1 year now, and I'm up about 25% overall, but I got in at a great price Edit: SCHD is up about 1.2% today, so just hold, it's most likely gonna keep going up.
For a non-us investor subject with 30% dividends withholding what alternative would you recommend? The portfolio would be as following: 40% Growth (SCHG) / 20% Broad VUAA / 40% of any alternative to SCHD but with accumulating dividends or no dividends
Let me get some advice.. 1. NO spouse 2. Max my roth 401k through employer yearly (in schd) 3. Max Roth ira yearly (also dividend heavy 95%) 4. No debt 5. Have 100k in a fidelity individaul acct. I have no idea what to do with..
Opened up a separate IRA a few months ago. Already holding a few shares... but the price dropping to $28 is even more appealing. Buy 2 shares every 2 weeks
thanks prof!!!! FYI - in Canada, they created Canadian Depository Receipts (CDR) which are the same concept as ADRs. they are 'fractional' shares of some of the most popular stock available in NYSE but are sold in CAD$ and the unit prices are significantly lower. while they are actually fractional shares, the idea was to offer shares/units at lower prices per CDR unit and in CAD$ to attract Canadian Investors to popular US stocks (avoiding the task of CAD-USD conversion, etc.). there are even CAD ETFs like VFV which is actually VOO but the unit price of VFV is ~$130CAD vs VOO ~$525USD, same concept
I currently have 4500 shares of SCHD! My goal is 5k shares. This is my retirement plan!! My portfolio consists of 200 voo 200 vug 150 vgt 4500 SCHD! Is the future bright or not? I wish to sell some and travel, but I am cautious with ever rising costs.
I inherited something similar but growth of is 4.74% in the past 12 months. In this environment does investing under a brokerage with a custodian outperform a 401k? should I seek a pro to grow my funds on brokerage acct or still hold? I have 5 years to retirement. Happy to discuss.
the size of your retirement portfolio will overwhelmingly be a function of the performance of the stock and bond markets between now and when you start withdrawing from it.
You need a third party to help you out. A financial planner or accountant can run through your figures, including your projected income and expenditures when you retire, along with your retirement goals, your emergency fund and any other strategies you need to put in place for such things as long-term care.
Travel is a small but important part of that overall puzzle. Start with an annual budget for socializing and travel - $15,000 per year is a figure I picked out of the sky - and see how you get on with that over time. Agree to remain open to further conversations about adjusting that figure upwards or downwards. (From an asset allocation perspective, given the current rate environment, you can somewhat have your cake and eat it too)
Im currently 70-30 SCHD/QQQM in my Roth., While I'm still buying, I dont think going all in is a great option, because, keep in mind that you are still buying at the all time HIGH.
Hi! Could I ask you what is the ccurrent performance (%) of your own 3 ETF portfolio at this time and for how long you are investing in this portfolio?
I just started a ROTH in Robinhood. My goal is to build my portfolio to JEPQ 15%, JEPI 15%, SCHD 30%, SCHG 30% DGRW 10%. Would love any feedback on if I am diversified properly or to much overlap! Thanks
Nolan. I was meant to ask this after watching this a few days ago. Now after the splits, is it possible, or even inevitable, that Schd and Schg, over the next couple of years, will go back to 80 dollars and 100 dollars?
I enjoy watching your videos and appreciate your common sense approach to investing. Question regarding your foundation, dividend and growth portfolio strategy, in which bucket would you put value ETFs like VBR, VOE, VTV and SCHV? Many thanks!
I might have to buy right after the split because my BofA fund transfer won't clear in time (already initiated). Is this still a good option as the asset value is the same?
Question about dividend taxes. I'm in a high tax bracket ($300k+ a year). I want to invest a decent portion ($100k cash now, plus about $20-30k a year) in SCHD and reinvest all of the dividend, but it looks like I get taxed on the dividend. Wouldn't I be better off to invest in VOO or something else for now, and when I retire in 20 years shift over to SCHD and cash out on the dividend then? Thanks
Hi Professor G! Hope you’re having a great day! I just want to ask your opinion about other people telling that at 20s or 30s, you should not be investing in SCHD. Hmm…
It's somewhat fitting that Schwab is one of those platforms that does not support buying fractional shares. Oh, except if it is via dividend reinvesting (not allowed for all dividend payers) or S&P 500 member via "slices" (min $5, whole dollars only).
@@NolanGouveiathank you for the response, Professor G. How about I make it a little interesting by 33% VTI, 33% SCHD and 33% on 8 individual stocks (MAIN, O, VICI, MSFT, SBUX, V, WSM, NVDA)? It this good?
@@chevyboa8950 Agreed! I would have gotten VOO but I have a Fidelity account and the only option I had for my work plan was FXAIX. I opened my Roth IRA there too and I chose FZROX as my main fund
@NolanGoveia could you maybe explain why you think that is? I bought most shares at around $70 so I should still be up. So am I negative because the price went down to $28 a share? I'm just not understanding. It should be up because I was up before the split.
I just got into the game. Prior to the split, I already owned a couple of shares of SCHD. Will this benefit the one's that already own a couple of shares? I invest every paycheck.
If SCHD splits to spur growth then I would buy the day of the split... If SCHD is the safe side and they are looking for more volume makes me think the markets are extremely overbought and makes me look towards gold...🤷♂️
Hey Nolan - Q. When i see VGT returns versus SCHD, pls explain to me why I should also be investing in SCHD, instead of just going crazy on VGT( or QQQ/QQQM), hold that for 5-8 years and THEN move that money to SCHD, for passive income?
I do have 322 SCHD rn, before the split. But was wondering whether that’s the BEST thing. I DONT need the passive income NOW…maybe after 6-8 years. Shouldn’t I be looking at higher (much higher, I might add) returns?
I need advice, I am new at investing and took a beating because of the penny stocks, should I take the "L" and deposit my remaining cash on S&P500 or should I play around with "buy low sell high"?
Im new to investing and have a question. Can i just buy SCHD instead of doing a 3 etf portfolio or its better to do the 3 etf portfolio? Just looking to invest for retirement. Doing 100 right now and at the beginning of the year will be able to do 400 a month
Can you please do a video on taking early retirement vs waiting until full retirement age? I'm wondering if I invest the money if I could make up for the amount I'll be short over time. For example, if I were to take early retirement at 62 and get $2000/mo, vs waiting until 67 to get $2600/mo.
It literally won't matter as ETFs like this trade within a few basis points of their NAV all the time. SCHD is large enough that any disparity in NAV will be eaten up by arbitrage seekers (market makers and others) and then minor fund balancing that happens behind the scenes. Now, if this was an individual stock then you have opportunities to snipe it at the run-up to the split and then dumping some leading right up to the date of record and then holding a bit for afterwards to see if the momentum continues. But for ETFs - meaningless. SCHD, specifically, is a $62 billion ETF that trades roughly $2 billion in shares on the average day. If any arbitrage opportunities appear they will be for fractions of a percent and quickly eaten up As far as @8:09 No, it won't help the fund as it gives the price more room to grow - nothing changes for the fund. If the underlying holdings grow at 10% per year compounded, so will the price of SCHD regardless of split or not. If SCHD keeps growing at 10% per year people will continue to buy into it as there are already a number of brokers / investing apps that allow for fractional ETF shares.
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Great video! Already maxed out my ROTH, is it wise to buy SCHD in a normal taxable account too?
@@jake2772 yes because its qualified dividends
Any idea if I can use the ITIN# to open an account?
$200 weekly investment in SCHD is good ? For 30 year starting today.
I actually did set one up in my late 20s, and honestly, it's been a game-changer. The tax-free growth is huge. But the real key was having a solid plan for it. You can't just throw money in and expect magic
I didn't even know what a Roth IRA was back then. All I did was save a little here and there, but nothing serious.
Looking back, it was such a missed opportunity
That's what I'm starting to realize now. You need to balance your investments, right? A Roth IRA is great, but if you're not managing it properly-like diversifying between stocks, bonds, or even real estate-it might not perform as well as you'd expect
That's something I wish l'd done earlier too. Who do you work with? Because l've been managing mine on my own, but I feel like I'm just winging it at this point
Exactly. A lot of people think, 'Oh, l've got a Roth IRA, so I'm good to go,' but it's not that simple.
You've got to have the right mix, and that's where a wealth manager really comes in handy. Mine actually helped me balance my investments early on, which I think is why my account has grown so much
I work with Eric Paul Elmer. He's been in the game for over 20 years and really knows his stuff.
When I first started, I had no clue how to allocate my investments.
How do you feel about Covered call ETFs? I don't have the experience to sell SCHD myself. But I hope the ETF management does. I just really want to know more about these things before investing, only if someone can put me through.
I'm approaching retirement and having a financial advisor has been helpful. I started investing later than most, so relying on compound interest from Etf's or bonds alone wasn’t enough for me. Despite that, I’ve managed to do well and am on track to retire with around $2 million
@@EbrahamAljalil I'm currently evaluating my portfolio and could use some guidance. How can I get in touch with your advisor?
@@MichaelGabreil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs
@@EbrahamAljalil I looked for the name online and found her page.I will get in touch with her,Thanks for the help
I emailed and made inquiries. Thanks for the help
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Your allocation looks solid. Consider dollar-cost averaging & dividend reinvestment. I suggest you consult with a financial advisor for guidance.
Most people have a 'do-it-yourself' mentality but lack the necessary expertise. Financial advisors are ideal representatives for investing, and I can attest to this. Been working with Monica Mary Strigle and Since covid-outbreak to date, my portfolio has grown by over 330%, reaching nearly $1m. Check online if she meets your requirements.
That’s a great mix and very similar to mine. SCHG has been a real diamond over the last 15 yrs for me and I predict no changes. SCHX very similar with a little more dividends. Good luck spending all that money!
The first day SCHD is positive in your IRA, sell it and focus on growth stocks. SCHD is a great retirement fund once you have a lot of cash. It's what an annuity should be. Pay you consistently yet doesn't F you in so many ways like the annuity... 50 SCHD, 25 JEPI (less year over year growth but pays out much more to increase your income), 25% rock solid single companies paying consistently monthly or quarterly. Earns you income, and you don't touch much. Dividends don't get you to the finish line fast enough, they ARE the finish line.
@clementdan9417 Her track record looks really good from what I found online. I've scheduled a call to discuss further
He answered the question at 9:33 of the video. Thank me later.
THANK YOU BRO 😎
I know, right? He could have just made a 10 second video and said "Hey guys, It doesn't matter, Your welcome"😂😂😂
?????
yea there's quite a lot time wasting from professor yap
Muchas Gracias
I am impressed with your update on these stocks, now my question is which is best to buy at this time. I have some liquid assets to diversify.
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO. Personally I put down 1.2m$ on few ETFs, still diversifying. it was this time last year I made my first break through with a liquid 370k. Handed it to a trader here in TX, I get weekly pay out which I put back on long term ETF's. Tesla will be a huge buy for me when the market bottoms.
Thank you, I already added VOO and QQQM, can you share this Pro with me.
Yeah, Jennifer Kristie Taylor use her name to look her up.
I looked her up online and saw her profile and credentials, she’s really experienced! Thanks for sharing with us. I’ve already sent her an email.
I met Jennifer Kristie for the first time last year at a women's conference here in Pennsylvania, and my life has changed for the better since then. God bless her!
I’m 60. retired 3 yrs ago. collecting a pension. Last month I finally rolled my 401k 50% in schd 50% FXAIX dividends payout last week 1900.00 and I’m reinvesting each quarter. Retired debt free. I’m glad I went with my choices.
Well done!
Did the 401K contain pre-tax dollars and did you have to pay fed & local tax or did you roll directly into a Roth account?
@@musclecars4635 rolled it all into an ira. I will be taxed on the amount I take out. Which won’t be much as my pension covers my expenses. And I have funds remaining each month.
Get rid of SCHD and buy VGT. You are leaving way to much money on the table owning SCHD.
Pumping 20k more to SCHD today. Thanks professor for all the amazing content. Very informative and accessible for most of people.
Always a fan of your investment strategy.
I’ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend?
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor..
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed within a short period.
How do I reach out to a financial advisor, my portfolio has been struggling since 2022 and I’ve been holding on by the skin of my teeth.
She goes by Sonia Nunes Demelo. I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did
thank you for putting this out, it has rekindled the fire to my goal... was able to spot Sonia after inputting her full name on the web, she seems highly professional with over a decades of experience.
I bought $16k worth of Nvidea before their 10:1 split. It went up quickly, but to my surprise, it dropped lower a month later. Had I waited I would have picked up alot more. Nvidea is a bit different since it's an individual stock and not an etf like SCHD. I ended up buying more Nvidea when it came down. I believe in Nvidea other panicked and sold. SCHD is a solid choice. I believe either way if you can buy before or after. Key is to hold long-term. I am thinking on buying several thousand worth of SCHD 😊
Started DCA as an experiment a year ago at $7 every market open day and just hit under 30 shares today. It's a solid method for anyone looking to start small and has a long-term goal. Teaching the kids about it so they can build up their retirement goal without breaking a sweat or even learn about investing.
I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Brooke Miller for helping me achieve this
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Currently, I carry 30% of my portfolio in SCHD and slowly increasing my stake as I get closer to retirement, planning on having roughly 300k in the ETF for dividend income during retirement to supplement Social Security... take the dividends and never touch the investment.
Lovely! Any other similar ETFs you invest into?
This is my plan also.
@@iurevych QQQM, SCHD, VOO are the 3 fund that I carry as I progress closer to retirement through M1 I keep increasing the contribution % going into the SCHD
I have a financial advisor for the past 2 years and I see that he invested in very complicated stocks, I started to follow your page 6 months ago and keep it simple and invested just in QQQ, SCHD & VOO and invested same amount I did with the advisor and the result were double which is still shocking to me. Now I am not sure what I am paying a fee to the advisor for, thank you for sharing your knowledge advice take the time to post your videos!
My Roth is 50% SCHD and 50% SCHG until retirement.
When it comes to shares, is there a cap of the amounts of share you want to own ? If so; what is the amount of shares and once you complete that goal, would you continue to invest in the same stock or no ? Any advice is greatly appreciated
I just pivoted to that for my dad's portfolio
@@carlhensaime6228you can only own what the government allows you to contribute to a Roth, so you're kind of limited
Same
Just got into SCHG with this split; also up over 300 shares of SCHD overall! Hoping longterm this pays off🤞
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Stacy Lynn Staples” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Proffer G, great info! Thanks for sharing, because of G and SCHD I'm on my way to Cancun on Friday for 2 weeks! This last dividend payment was juicy so I'll participate in a quick getaway!
The best time to buy is now! It will be free advertising for your product (SCHD). Awesome video!
Buy SCHD before or after the split? I'll let you know next week.
Doesn’t matter
wouldnt matter. its a good chance if split low price to buy more and those who were splited, gets more volume
My profile is 50% SCHD 50% VOO. Nothing else is needed. No fancy stuff.
Good plan- may I ask how far out from retirement you are?
Why?@@defense-dad
@@defense-dad I am doing FIRE. About 10 years
Why 😢
same here 🤝 I also have about 5% FBTC😂
Thanks bought 100 shares of SCHD today. It has been on my radar for a while, but I was in protection mode given the direction I feel the economy is going. I feel we are getting ready for a very bumpy ride. But I will do what I have always done DCA.....
Never base your investment decisions on your feelings. Long term the market is up more than down. Just remind yourself of that. I got 7 digits in SCHD and won’t lose any sleep.
@kevinhughes1236 I'm not sure of your age but I am a few... Very few years away from retirement so I was sitting on more cash in case of volatility or layoffs as banks and real estate are getting hit hard. My portfolio is much higher in terms of risk than most people in my stage of life. Just have to be smart.
@@antoniobrown1616 Do you think that I should buy some SCHD stocks. I'm only 16 but want to start investing some money that I have. Is it smart to put 1000 dollars in SCHD or should I start off smaller and put 500? Do you also recomment me buying the stocks right now or wait til it drops?
@@antoniobrown1616 I am 58 and retired. So I am no spring chicken.😜
@@haruseikezawa2611Nothing says you have to drop it all at once. You can invest $10-20 a day and it'll add up over time.
The split doesn't mean a whole lot but it does give UA-camrs content
I don’t think anyone can really accurately predict what the stock price will do after it splits, but it’s very likely older investors will wanna take some profits, and at same time newer investors will wanna start yoloing into a decent sized position whereby they might be able to write calls or put options on for extra gains. If the recent LCRX and SMCI split have shown anything it’s that there’s likely to be a ton of price swings initially after the split as well as higher volatility on any options plays. Tread carefully, and invest for the long term if you’re going to at all.
I own SCHB over a decade. Yield to cost is 3.5%. I’m never selling. I wish I own SCHD.
Great video. Thanks Professor G! I'm stuck with Schwab, and I switched from VOO to SPLG a few weeks ago, because I can get something in every paycheck instead of quarterly. Low prices are great for newer investors who need to build good habits and aren't at the height of their earning potentials.
By stuck, do you mean you would choose someone else if you could?
Just move your assets to another company that allows fractional purchases like Fidelity.
Just make sure you have all your IRA / Roth tax documents to help out with a future sale.
Thank you for the response, Professor G. How about I split my portfolio by 33% VTI, 33% SCHD and 33% on 8 individual stocks (MAIN, O, VICI, MSFT, SBUX, V, WSM, NVDA)? It this good?
I initially did the big ticket buy, 125k into SCHD, 75k TSLA, 25k VYM, 25K VUG. Now I'm dca buying roughly 2k every week of whatever is on sale, and looking to add more tech positions to my portfolio. I'm looking to hold long term 15 - 20 years, so hopefully my lump sum buy in doesn't bite me in the ass long term.
In the past month, my "unexciting" index funds provided me with over $6,000 in dividends, giving me the option to spend without selling shares. Currently, I've opted to reinvest the dividends to acquire additional index funds for future growth.
I agree; I have approximately $1m in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
I find your situation fascinating. Would you be willing to suggest a trusted advisor you've worked with?
Her name is “Aileen Gertrude Tippy” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
Very exciting news for my portfolio. This will put me over 100 Shares of SCHG & SCHD! Hopefully VOO will do a split in the near future!
Professor, thanks for the talk. FYI, in July I was wondering what to do w/extra cash coming into my retirement so I went w/a friend's advice and bought $10,000 or 100 shares of SCHG. Then I found your channel and it has been a delight. So in August I bought $10,000 or 125 shares of SCHD for a two ETF fund portfolio. Now, what to do next? I have enough xtra cash for one more purchase before the EOY. I watched tonight's show and the suspense is over. I bought another equal amount of shares of SCHD. So now, I have 101 shares of SCHG, and 252 shares of SCHD to enjoy. Next year's first purchase will probably be another 126 equivalent shares of SCHD. looking to get into a three fund portfolio, sometime. Keep me advised and thanks for the fun.🙂
On Fidelity, you can buy fractional shares. You can set up automatic purchases, such as invest $500 in SCHG on the 16th of every month. Set it and forget it.
And enable DRIP
Why 16th of every month not other days?
@@loooongtimeagosweet sixteen 🥳
I have similar set up
I invest weekly instead
@@brucesmith9144 yes, they allow DRIP
What site do you use to look up these ETFs to see the Annual Growth?
It’s an etf people. Don’t expect major bumps. It’s about being competitive with other ETF’s like SPHD. The more they attract, the more people paying their management fee. It is good for the etf health, but will have little effect on value.
I see the appeal for new investors. When I began it was daunting seeing stocks or ETFs worth hundreds per share. I thought I couldn't get into those ones but learning more and having the option to buy fractional share made it...... Simplified 😂
an ETF split is not the same thing as a stock split. Yes, it will attract more investors (probably) but it won't push up the value of SCHD because the value of SCHD is tied to the value of the underlying stocks - so, yeah, SCHD will invest that new money into those stocks, and yes, that will drive the price of those stocks up a tiny bit, and so SCHD will go up a tiny bit - but it will ONLY be a tiny bit, because the market cap of all of the underlying stocks is going to be in the many trillions, and the amount of new money moving into schd as a result of the split won't be enough to move the needle on the value of the underlying shares (much).
You nailed it. Also I might add, that a stock split like the one Nvidia did, 10:1, is likely to drive investors because the price for an individual share dropped from ~$1000 to ~$100 which makes it considerably more affordable. SCHD going from ~$84 to $28 seems pretty insignificant. I doubt there are many investors sitting on the sidelines going "Geez I have $30 to invest and I wish I could buy SCHD but its just too expensive"
@@TonyCox1351 That's exactly why Schwab said they did it though, to drive interest from retail investors, AKA people who can't drop several hundred or thousand at a drop of a hat. This will heavily impact people who are slowly adding shares one at a time to build wealth. 84 absolutely does keep me from being able to purchase more than a couple shares a month, but with the split I'll be able to purchase much more. That's what it's about.
After the stock split would it be wise to wait a couple weeks for everything to settle down and the actual price might go a little cheaper
keep pumping out those financial informational videos Professor G!!!!
It doesn't matter when you buy...before or after split. The value of your holdings after split is still the same. You're just getting 3x more shares at 1/3 of the share price that's all. Think of it like a pizza. No matter how many slices you cut into that pizza the size of that pizza remains the same.
The excitement can come for growth funds like SCHG though when the price appreciation gets to where it was again. Really good value at that point. For dividend ETFs it will be nice when the dividend gets to the previous amount
But will the price increase before the split and decrease after the split or vice versa or have no change at all?
Depends on your timing, quite possible the share price will rise after the split as intended since the lower price will attract more buyers.
@@FreakyLynx or it could be the opposite. A lot of investors that aren't paying attention will look at the new price, not realize there was a split, and sell in a panic thinking the value of the etf went down. It all depends on how informed people are. I do believe the price will go up, but there's a chance it might dip in the very beginning of the split.
I randomly bought 3 more shares while watching this video, lol. I now have 20 that will split to 60 & I'm quite happy about that!
Amazing!
@@NolanGouveia Can you explain when stock splits how that works in terms of gains. Your still getting the same dividend amount right?
Thnx Prof G! Question if the record date is oct 9 which is tmrw does that mean I have up until tmrw before market close to buy schd/g before it splits? Or was today the last day oct 8th?
Correct you have until close of market tomorrow!
Quick question: What happens to your stop losses if you forget to remove them before a stock split? I'm removing mine now because I'm not sure how it will pan out. Thank you!
Thank you for explaining the split so simply and thoroughly!😊
I was so confused when I woke up this morning and saw my SCHD shows a 60% loss, but the value is actually up. My brokerage app is still averaging from my original cost basis of around $70 per share, but now I have 3x the shares I had before, so while it says I'm in the red 60%, I have actually made around 25% in gains over the past 12 months. If you're seeing a big red number on your portfolio, check the cost basis and make sure, you are probably also in profit even though it looks like you're down
It shows I’m down too. But the total is less than it was before..
@@MillsapsFan yeah that depends on when you bought in, you probably paid a higher share price than I did on average. I've only had it for about 1 year now, and I'm up about 25% overall, but I got in at a great price
Edit: SCHD is up about 1.2% today, so just hold, it's most likely gonna keep going up.
@@itstonberrytime they haven’t 3x my shares yet….
For a non-us investor subject with 30% dividends withholding what alternative would you recommend? The portfolio would be as following: 40% Growth (SCHG) / 20% Broad VUAA / 40% of any alternative to SCHD but with accumulating dividends or no dividends
Thanks Professor G for this in depth explanation of these splits. Very informative!
1 share (soon to be 3 shares) of SCHD every Monday no matter what. Thanks for the video.
How come I don't see more shares from the schd 3 to 1 split on webull? Someone please help?
I buy weekly. This doesn’t change anything for me
Wouldn’t this change how many option contracts you can do and allow folks to be able to more than usual?
Let me get some advice..
1. NO spouse
2. Max my roth 401k through employer yearly (in schd)
3. Max Roth ira yearly (also dividend heavy 95%)
4. No debt
5. Have 100k in a fidelity individaul acct. I have no idea what to do with..
@chipsammich2078 - Research growth ETFs like SCHG, QQQM, or VGT. They are more volatile than SCHD but pair well.
Opened up a separate IRA a few months ago. Already holding a few shares... but the price dropping to $28 is even more appealing. Buy 2 shares every 2 weeks
That’s why they are doing it. Easier for people to buy in.
thanks prof!!!! FYI - in Canada, they created Canadian Depository Receipts (CDR) which are the same concept as ADRs. they are 'fractional' shares of some of the most popular stock available in NYSE but are sold in CAD$ and the unit prices are significantly lower. while they are actually fractional shares, the idea was to offer shares/units at lower prices per CDR unit and in CAD$ to attract Canadian Investors to popular US stocks (avoiding the task of CAD-USD conversion, etc.). there are even CAD ETFs like VFV which is actually VOO but the unit price of VFV is ~$130CAD vs VOO ~$525USD, same concept
I currently have 4500 shares of SCHD! My goal is 5k shares. This is my retirement plan!! My portfolio consists of 200 voo 200 vug 150 vgt 4500 SCHD! Is the future bright or not? I wish to sell some and travel, but I am cautious with ever rising costs.
Bother less and enjoy the time you have left.
I inherited something similar but growth of is 4.74% in the past 12 months. In this environment does investing under a brokerage with a custodian outperform a 401k? should I seek a pro to grow my funds on brokerage acct or still hold? I have 5 years to retirement. Happy to discuss.
the size of your retirement portfolio will overwhelmingly be a function of the performance of the stock and bond markets between now and when you start withdrawing from it.
You need a third party to help you out. A financial planner or accountant can run through your figures, including your projected income and expenditures when you retire, along with your retirement goals, your emergency fund and any other strategies you need to put in place for such things as long-term care.
Travel is a small but important part of that overall puzzle. Start with an annual budget for socializing and travel - $15,000 per year is a figure I picked out of the sky - and see how you get on with that over time. Agree to remain open to further conversations about adjusting that figure upwards or downwards.
(From an asset allocation perspective, given the current rate environment, you can somewhat have your cake and eat it too)
Starting to feel the effects of the cut in my SoFi account. Interest in my savings has gone from 4.6, to 4.5, to now 4.3% starting today…
Im currently 70-30 SCHD/QQQM in my Roth., While I'm still buying, I dont think going all in is a great option, because, keep in mind that you are still buying at the all time HIGH.
Just curious how many years are you from retiring? Doesn’t that allocation seem conservative? Let me know your thoughts.
Hi! Could I ask you what is the ccurrent performance (%) of your own 3 ETF portfolio at this time and for how long you are investing in this portfolio?
Professor G....Do you like SCHD JEPQ AND DIVO?
Professor G, this is great information. I was thinking the same as others. I plan to buy a ton after the split. Thanks for sharing
I know you like to invest in VOO. Why did you not select the low cost SPLG over VOO?
I just started a ROTH in Robinhood. My goal is to build my portfolio to JEPQ 15%, JEPI 15%, SCHD 30%, SCHG 30% DGRW 10%.
Would love any feedback on if I am diversified properly or to much overlap! Thanks
Nolan. I was meant to ask this after watching this a few days ago. Now after the splits, is it possible, or even inevitable, that Schd and Schg, over the next couple of years, will go back to 80 dollars and 100 dollars?
It is possible. At a 10% growth rate, the fund will double in about 7 years. So it will take some time
Professor G, would it be wise to sell VTI and invest that money in SCHB which is way more affordable.
I enjoy watching your videos and appreciate your common sense approach to investing. Question regarding your foundation, dividend and growth portfolio strategy, in which bucket would you put value ETFs like VBR, VOE, VTV and SCHV? Many thanks!
Would you suggest schd for someone who doesn't have a large nest egg yet? Or stick to more growth funds?
This the best explanation of a stock or etf splitting that I have seen. Keep bringing us great videos Professor G. 😊
Will do!
I might have to buy right after the split because my BofA fund transfer won't clear in time (already initiated). Is this still a good option as the asset value is the same?
What if you don’t wanna wait for 30 years?
What if you were to do it in 15 years, how much would you have to invest monthly
Professor G! Thank you sooo much ! This information is valuable!!! And you make so simple !!! Ur the best !
Happy to help where I can!
Spot-on, Professor, on your presentation! It is accurate, concise and easy to understand. Great stuff!
Thankyou so much!
How can the split meaningfully push the valuation from buying? What am I not getting here.
Question about dividend taxes. I'm in a high tax bracket ($300k+ a year). I want to invest a decent portion ($100k cash now, plus about $20-30k a year) in SCHD and reinvest all of the dividend, but it looks like I get taxed on the dividend. Wouldn't I be better off to invest in VOO or something else for now, and when I retire in 20 years shift over to SCHD and cash out on the dividend then? Thanks
Hi Professor G! Hope you’re having a great day! I just want to ask your opinion about other people telling that at 20s or 30s, you should not be investing in SCHD. Hmm…
Idk if it was said in the video, but after split what is happening to schd dividend now?
It's somewhat fitting that Schwab is one of those platforms that does not support buying fractional shares. Oh, except if it is via dividend reinvesting (not allowed for all dividend payers) or S&P 500 member via "slices" (min $5, whole dollars only).
I love your videos. Never stop pumping out the realest content. GOD Bless you.
Hi Professor G! Should I go 60% VTI, 40% SCHD? Does this sound good?
I like that split a lot!
@@NolanGouveiathank you for the response, Professor G. How about I make it a little interesting by 33% VTI, 33% SCHD and 33% on 8 individual stocks (MAIN, O, VICI, MSFT, SBUX, V, WSM, NVDA)? It this good?
Do you think that VOO will ever split?
I do yes
Looking forward to that
@@chevyboa8950 Agreed! I would have gotten VOO but I have a Fidelity account and the only option I had for my work plan was FXAIX. I opened my Roth IRA there too and I chose FZROX as my main fund
Do splg it's cheaper
Before the split I was up in schd and now today after the split it says I'm down 7k. I'm so confused as to why I am down after the price split?
@NolanGoveia could you maybe explain why you think that is? I bought most shares at around $70 so I should still be up. So am I negative because the price went down to $28 a share? I'm just not understanding. It should be up because I was up before the split.
I have an important question - what is the SCHD alternative for EU?
@Prof G....in an Accumulating Dividend ETF, how do i know how much is being invested back into the asset on a quarterly basis?
I just got into the game. Prior to the split, I already owned a couple of shares of SCHD. Will this benefit the one's that already own a couple of shares? I invest every paycheck.
Interested in seeing how fast the share price will rise from that $28
Professor are you switching to SPLG ?
No I am sticking with VOO
I’m curious if this will get vanguard to consider splitting VOO?
I’m curious
How long is that discounted price going to last for?
What happens if Schwab goes bankrupt? Do we loose SCHD? Is it related in anyway? Any insight would be appreciated.
Long story short, no you would not lose SCHD
SCHD assets are held in a trust separate from the general assets of Schwab itself.
I was curious about that too. Also would it cause a drop in the fund? it shouldn't if it tracks the index but then again? who knows? anyone?
If SCHD splits to spur growth then I would buy the day of the split... If SCHD is the safe side and they are looking for more volume makes me think the markets are extremely overbought and makes me look towards gold...🤷♂️
But will the price increase before the split and decrease after the split or vice versa or have no change at all?
Hey Nolan - Q. When i see VGT returns versus SCHD, pls explain to me why I should also be investing in SCHD, instead of just going crazy on VGT( or QQQ/QQQM), hold that for 5-8 years and THEN move that money to SCHD, for passive income?
I do have 322 SCHD rn, before the split. But was wondering whether that’s the BEST thing. I DONT need the passive income NOW…maybe after 6-8 years. Shouldn’t I be looking at higher (much higher, I might add) returns?
I need advice, I am new at investing and took a beating because of the penny stocks, should I take the "L" and deposit my remaining cash on S&P500 or should I play around with "buy low sell high"?
I’d get out of penny stocks asap
What online calculator were you using?
My SCHD is now overweight, should I rebalance?
I have a video on that coming out Monday that’ll help!
@@NolanGouveia thanks, but you are not professor G.
Im new to investing and have a question. Can i just buy SCHD instead of doing a 3 etf portfolio or its better to do the 3 etf portfolio? Just looking to invest for retirement. Doing 100 right now and at the beginning of the year will be able to do 400 a month
Is my g/l incorrect now? Shows it I’m down 62%.
Can you please do a video on taking early retirement vs waiting until full retirement age? I'm wondering if I invest the money if I could make up for the amount I'll be short over time. For example, if I were to take early retirement at 62 and get $2000/mo, vs waiting until 67 to get $2600/mo.
It literally won't matter as ETFs like this trade within a few basis points of their NAV all the time. SCHD is large enough that any disparity in NAV will be eaten up by arbitrage seekers (market makers and others) and then minor fund balancing that happens behind the scenes.
Now, if this was an individual stock then you have opportunities to snipe it at the run-up to the split and then dumping some leading right up to the date of record and then holding a bit for afterwards to see if the momentum continues. But for ETFs - meaningless.
SCHD, specifically, is a $62 billion ETF that trades roughly $2 billion in shares on the average day. If any arbitrage opportunities appear they will be for fractions of a percent and quickly eaten up
As far as @8:09 No, it won't help the fund as it gives the price more room to grow - nothing changes for the fund. If the underlying holdings grow at 10% per year compounded, so will the price of SCHD regardless of split or not. If SCHD keeps growing at 10% per year people will continue to buy into it as there are already a number of brokers / investing apps that allow for fractional ETF shares.
Do you have any videos talking about SPYI?
Should I buy SCHD if I already have invest in VOO?
I do!
Is it a good time to buy SPLG in lumpsum right now, when the market is highest..say $100k? Is DCA or lumpsum better for a 3 Fund Portfolio?
Good to see. Maybe it will spur Vanguard and Invesco to do the same. I think an ETF shouldn't go over $100 a share.