There’s NO Good Reason to Own SCHD?
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- Опубліковано 6 чер 2024
- My Portfolio: / dividendbull
In this video we’re going to take a look at an article that went viral on Seeking Alpha just a couple days ago about SCHD. The article titled “There's Almost Never Any Reason To Own This ETF” lays out a handful of arguments again for investing in SCHD, even calling it a subpar place to allocate capital. So let’s take a look and see if there really is no good reason to hold SCHD if your dividend portfolio.
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Please can you leave the info of your invstment analyst here? I need such luck
Amber Dawn Brummit is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
I wholeheartedly concur; I'm 60 years old, just retired, and have about $1,250,000 in non-retirement assets. Compared to the whole value of my portfolio during the last three years, I have no debt and a very little amount of money in retirement accounts. To be completely honest, the information provided by invt-advisors can only be ignored but not neglected. Simply undertake research to choose a trustworthy one.
Impressive can you share more info?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Because danger is currently at an all-time high, you might want to be a little more patient and return when it has lessened. Alternatively, you might seek strategy advice from a skilled financial specialist.
Diversification is key in situations like this. Consulting with a finance professional and diversifying into high-performing options can yield significant dividends and balance volatility. My $330k portfolio grew by 85% in 3 years using this strategy.
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
My CFA ’Melissa Jean Talingdan’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
If I had $360k I would invest $100k in tech & $260k into dividend stock with a proven track record to grow with capital appreciation & dividend increase year over year
Adding JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
Finding financial advisors like Carol Vivian Constable who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
I’ve got a couple of good ETFs in my portfolio and I still got other share holdings doing incredible numbers. I’m up 37% YTD! I’m also well positioned with good blue chip companies and I have stop losses in place.
Amazing well done! Which companies have performed best for you?
Regards and best of luck on your investment path. Observations from my adviser Dianne sarah olson applied personally Investing in large-cap firms with robust balance sheets, substantial cash flows, and economic moats is my preferred approach. AAPL, MSCI, IUKD, VHYL, SCHD, NVDA, and Barclays are a few of them.
I’d say your IA is doing a great job protecting your portfolio. More still impressive as you’re making fortunes in these turbulent times!
Thanks for sharing, I just looked her up on the web because this is equally important to me, and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
I want to invest, Does your fa take clients in the UK?
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
I'm cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "MICHELE KATHERINE SINGH" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
I've heard that index funds and ETFs provide diversified stock market exposure while spreading risk. I have over $800K in savings; What's the most effective strategy to allocate funds in my portfolio and generate profits?
Yes, there are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m
How can i reach this person?
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
Dividends from SCHD are typically taxed at the qualified dividend rate, which may be lower than ordinary income tax rates for many investors. However, the main focus for markets now is Nvidia, which has powered a large chunk of the S&P 500’s recent earnings. Nvidia’s stock, up more than 90% this year, rose 2.5% in New York on Monday, sending the Nasdaq 100 index to another record high. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
NVDA is still going after the split. Moves in big chunks, not pocket change. Rose $4.60 a share yesterday. That is a big gain for those who benefitted from the split. Now it is about finding who is going to answer NVDA? Nobody gets to be the best for long. For every Coke there has to be a Pepsi and Mountain Dew.
Start looking into a "VARIETY" of Covered Call ETFs.........I've done about a 13% yield annually over the past two years since the creation of JEPI & others....I hold these type of ETFs in a ROTH ACCOUNT due to non-qualified dividends and qualified dividends tax implications...
My dividend journey began when I realized that two particular expenses in my budget were always going to go up and never go down. The two expenses were taxes and insurance. I realized that the dramatic rise in both will need some added income. So, I started buying shares paying dividends. I can now see that this will be the path I need to take to make sure those two expenses will not overtake my future income.
As a beginner, educate yourself, Learn the basics of investing and the stock market. There are many resources available online, including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, its important to do your own research.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
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 ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!
The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner
the best market strategy is to work with a credible investing coach. Since a while ago, I've been in touch with a coach, mostly because I lack the depth of understanding and mental toughness to deal with the ongoing market conditions. You lack the information necessary to succeed in a competitive market, not because you're doing anything wrong, but rather because of your lack of experience.
Mind if I ask you to recommend this particular coach you using their service?
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
Bot
I totally agree with this video. My $400,000 portfolio on SCHD is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
@@KennyMichael-id1bb A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Svetlana Sarkisian Chowdhury is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
Rachel Sarah Parrish is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Comparing SCHD and QQQ is like apples and oranges.
More like comparing apples to space ships :P
“Just buy NVIDIA instead of SCHD”
Fr, QQQ and SCHG is a much better comparison and I like SCHG since it’s far more diversified than other large cap growth ETFs
If anything QQQ and SCHD are friends
Not really total return should be the main thing for every one
Saw the article on SA, read a few paragraphs and closed it. Then I went and bought some more
😊 Good for you. Take a look at DGRW
I like that schd is not growing fast. That give me the opportunity to build a larger position.
I’m mostly in cash and waiting for the market to re-level on the reality of our situation. Or are there any ways I can avoid a crunch and maximize my savings of $250k? I know election years are positive for the stock markets about 90% of the time.
times are uncertain now, my best suggestion is to consider financial advisory, particularly if you're new to investing
Agreed, the issue is most people have the “I will do it myself mentality” but not skilled for a crash. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 300%, summing up nearly $1m, since covid-outbreak to date.
@@arlenehill4ril quite inspiring! could you be kind enough with details of this professional assisting you please? in dire need of proper asset allocation
She goes by ''Karen Lynne Chess'' a renowned figure in the financial industry with over two decades of experience. I'd suggest you research her further on the internet.
Honestly put it in a account that yeilds 5%
People on SA write about SCHD because it gets clicks. Doesn't matter if it's bullish or bearish.
I also hold SCHD for the dividend growth , I will be using the income in the future and don’t want to sell my shares.
I used to be a hater of SCHD. Until I did a deep dive and found out it's actually a pretty solid dividend ETF for me.
Just a clickbait article. He got the eyeballs he wanted. SCHD isn’t for me, but it’s a fine option overall depending on your goals and method.
More than one way to get to the same objective . Some like Rolla coasters some like steady gains and pay outs..
This is true. He is comparing a dividend growth ETF with the total stock market index. Each fund (assets) will have its period in the limelight. This is expected. The S&P 500 has had periods where it underperformed dividend growth funds
I hold SCHD for the dividend but also for its strength during market draw downs. It holds up like a bond.
Exactly
90% of Seeking Alpha is clickbait.
I feel the same, not renewing my SA subscription next year.
The money you spend on SA is better invested on an basics of investing and stock analyzing class🤷♂️
@@walterramirez3287agree, or books to learn the basics
Honestly this cannot be overemphasized, helping people mitigate unforseen circumstances and mistakes .It's always good to have a financial plan,
More reason why It's crucial for individuals to diversify their portfolios, seek professional financial advice, and stay informed about market trends to navigate these challenges effectively.
yeah that's a good path, focus on a good strategy, relax back and watch it compound within the years. In good time you'll see returns.
Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.
Vanguard VTI. You can count on a net 9% with a reasonable standard deviation of 15 to 17%. Start early, be consistent and the miracle of compound growth will take over.
Use time as the real basis of growth...it takes about 5 years.
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I've been with Eric Paul Elmer for the last five years or so, and his returns have been pretty much amazing.
Investment banking can be quite lucrative if you know what you're doing, but it also comes with its fair share of risks.
That's true. I've toyed in investment banking myself, but I like to leave the heavy lifting to the professionals.
RPC Wealth, you say? I haven't heard of them before. What sets them apart from other advisory firms?
Well, for starters, RPC Wealth takes a personalized approach to wealth management. They tailor their strategies to fit each client's unique financial goals and risk tolerance.
Plus, they have a team of seasoned professionals who are experts in their field. They use a combination of traditional investment strategies and cutting-edge technology to maximize returns for their clients.
That sounds promising. I've been looking for a reliable advisory firm to help with my management complexities in the market. How has your experience been with RPC Wealth?
Am I the only one that thinks these articles are just propaganda to make people sell shared to lower the share price? I know insider trading is illegal, however bashing a stock with negative articles is fair game. I mean we all know someone is selling schd because of that article.
Probably a very under appreciated factor these days is the impact of social platforms on stock prices. Without Reddit, there would be no GME. I actually wonder if the entire meme stick phenomenon isn’t just a few market makers who hired an army of professional trolls to populate social media. Let’s face it, SA is not that much different than Reddit nowadays.
Nah, 140 comments and 11 likes won’t turn the tide of SCHD, he is much smaller than you imagine. Just few hundred bucks of payment from a clickbait.
If someone is selling it because of this article, two things are certain. Someone else is buying and they shouldn’t be in the market in the first place
That's exactly what I was thinking. The article smacks of "sell this, buy these". That or his editor wanted a stock bashing article and this was the best the writer came up with.
Exactly man, hey do the same shit in the mainstream media too.
They create a frame around it rather than just giving the facts about the company itself
I want a balanced portfolio with growth investments, safe investments, and also focus on dividends to gain up to $20K monthly, my concern is picking the right stocks that can survive a recession. How do i go about this?
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at the worth of your portfolio, you should consider financial advisory.
True. This is why I work with an investment advlsor. I currently have $690k in a well-diversified portfollo that has experienced exponential growth and is well-matched for every season of the market. We are now working on a more figures for this year.
May I know the name of the advsor who has been assisting you, please?
She's known as ‘LAUREN MARIE EHLERS’. One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.
Thank you for this amazing tip. I just looked the name up, wrote her explaining my financial market goals and scheduled a call
Currently 100% in SCHD in my taxable account while the overall market is in a bubble. People complain about dividend investing but I would like to see if they get a 10% raise each year at their day job. Getting over 10% appreciation plus 10% CAGR. Thing is a beast, just takes a few years to get the momentum going.
I love me some SCHD.
Are you reinvesting the dividend or using it as income?
@@racerx6 reinvesting
I invest for dividend growth and I’m in the same boat. 70% SCHD. 30% VIG
I’m up to 125 stocks, want to go to 500 stocks. Reinvesting the dividends to get there faster. And is in a Roth account so no interest when I need the money.
Back test a 50/50 combo of SCHG and SCHD. It is likely to outperform the S&P index while having a higher dividend yield.
I would like to see those numbers run, that's for sure.
I bought a little bit of SCHD today, not looking back no matter what people say about it.
Excellent analysis of the article. I appreciate you taking the time.
Well thought through and presented rebuttal. I do not usually understand what motives people to write negative articles about investments that they don't like. Why not just focus on what they do like and agree with. That being said, thanks for the counter-point and content.
Its amazing that in the world of cryptocurrency there are projects that still haven t realized that UNIMANTIC PROTOCOL is going to be even cooler.
Very nice! I saw this article the other day. I read it and ignored the article altogether because it compared SCHD with total mkt return; it is two different things. Luv SCHD! SCHD is a reliable, dividend payout ETF. I used the proceeds from SCHD to reinvest in other projects, etc. I owned other growth securities, as well.
In my taxable account, I do more active investing than passive. This involves some pretty speculative investments that are pretty risky. To balance out some of that risk, I put half of any gains I get after selling into SCHD.
Right its like a syphon you put a little high performance fuel in with a lot of regular gas . Cant live on the edge of volatility
Love Your channel and GREATLY APPRECIATE YOUR INSIGHTS.🙂
Haha, look at all these serious people investing in different projects, while weve already signed up for UNIMANTIC PROTOCOL and are waiting for millions!
Great Post!!! Love this channel. Thank You!!!
My main concern is how to survive all of these financial and political crisis, especially in light of the US political power struggle.
Bad year for me, META down 40k, ALLP down 35k, Draft Kings down 6k, NIO down 15K, ABML down 8k, and my wife doesn’t know. I'm just hanging on to Jim Cramer's words about opportunities in volatile times so perhaps, I either wait for a recovery or pick profitable investments to substitute for my loss.
I wholeheartedly concur; I'm 60 years old, just retired, and have about $1,250,000 in non-retirement assets. Compared to the whole value of my portfolio during the last three years, I have no debt and a very little amount of money in retirement accounts. To be completely honest, the information provided by invt-advisors can only be ignored but not neglected. Simply undertake research to choose a trustworthy one.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
Her name is “VIVIAN CAROL GIOIA” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
We bought into SCHD when it was in the 60s. Hasn't gained in principle much but it has been a strong 75 to 80 dollar range with a good dividend. I think it will drop again into the low 70s and probably the 60s again when we have another drop. We will buy more in the 60s if ever. JMHO
Thanks. You hit the nail on the head with this one. I DCA into VOO, QQQ and recently SCHD. A lot of thought goes into my investments so when I read the article I had the same thoughts as you. Different vehicles offer different outcomes and results depending on your objectives. It's horses for courses and the author completely misses that.
Comparing ETF to the most recent performance is a terrible way to tell vanguard did a study where every single year they brought the ETF that had the highest 3-year return for 20 years after 20 years annual return was 3%
Right ...go home seeking alpha trash
Can you post a link to that study?
When you back test funds @4:40 it’s important to compare average annual returns during the same period. If you’re using 2011 forward you will need to take the similar period of the S&P 500. When doing so the S&P 500 cumulative average growth rate (CAGR) will beat SCHD. The article is comparing them in terms of total return because although they are different investing strategies the opportunity cost of underperforming the S&P 500 can be measured.
I completely agree, I have spy, qqq, and schd cuz I like to be diversified. There's too much overlap in spy and qqq.
I have several hundred shares of both QQQ and SCHD however I purchased my shares of QQQ in 2009 and my SCHD in 2023.
The author is correct if the investing goal is maximum wealth. What he misses is that not every investor shares that goal. Some of us want maximum, regular, increasing passive income (to spend, not to invest) that stays ahead of inflation in the long term. SCHD is the gold standard for that goal. SPY is not.
I like this channel’s, “Joe Friday” delivery. The “lacrosse-baseball”comment did add a little unexpected levity.
Thanks for the update. Please excuse this related but not focused comment: for me, in the past year there are too many short term ways to beat the SCHD TTM to make that buy. For example, the FFRHX TTM is double SCHD. On a different but related issue is public reports on dividend investments. Set aside verifying the internal math but for example, two days ago the dividend view of Vodafone at X brokerage dropped a third, from 15% to 10%, BUT, the stock report continues to show 15%. Under these and similar reporting variations, buys and sells are sometimes based more or less on someone else's approximations.
Sold mine a few weeks ago at close to 80, made a decent little profit glad I sold. Sticking to the monthly payers now and higher yields
If you listen to everything on SA, you'd probably make money. But you'd almost certainly under perform any index you can think of. Not as bad as Cramer, but definitely not good.
I agree that SCHD is. Viable as a ETF in my opinion it's good for those with low risk tolerance and longer time horizons. If you have a 10 year or more retirement window SCHD is a safe reliable investment
Thank you for the content. Can we get a NEP video? Is the dividend safe? Should we consider buying the dip?
A little against the grain - I have found many of the articles on SA nothing more than a big time suck.
I ran some Monte Carlo retirement outcomes. If I only invested in VOO, I have a 30% chance of going broke in retirement. When I put 50% SCHD and 50% SCHG (or QQQ would work)- I make more and will never run out of money. SCHG has a place in a portfolio. It is also very tax efficient.
I own 3020 shares of $SCHD, my cost basis is $42.19. Thinking about selling some and take some profit since it is at near 52 wk high to buy other ETFs or other individual stocks that are performing even better. I like $SCHD so I still plan to keep some shares. What do u think?
@dividendBull, I am wondering if you have considered the possibility that share buybacks have become the dividend 2.0, so to speak.
If AAPL has a 100bn repurchase program at a 3tn valuation, that’s kind of like a tax advantaged 3% dividend. Add that to its standard dividend and look at their buyback growth rate… suddenly this stock isn’t a growth nor a tech stock but a dividend utility stock.
As a dividend oriented investor, I need to be open to such possibilities, and appreciate what these CFOs are doing.
With around $250k to invest, what's your advice on entering the market? I'm considering replicating the strategies of experts instead of investing independently to avoid both financial losses and emotional stress. What are your thoughts on this approach?
Consider diversifying your portfolio with a mix of stocks and stable assets. Seeking professional advice now could provide valuable insights and strategies to navigate market uncertainties and protect your investments.
This is an insightful perspective to consider.
What I don’t like about SCHD is that the index will get rid of companies that perform extremely well. Even when the company is paying a good increasing dividend, SCHD will eventually drop the company if its growth outpaces the dividend since the yield will technically shrink in that scenario (even if the dividend keeps increasing). This is exactly what the fund is designed to do so if you are only worried about dividend yields then this keeps the yield high for reinvestment and for new investors. I personally would rather pick the dividend companies I like instead so I can keep the dividend I paid for while still being able to keep the stock if it undergoes massive growth. I am not a dividend investor myself but I do hold on to some stocks with dividends. SCHD is amazing at doing exactly what it’s designed to do, it just isn’t designed for me.
I read the article, and I don't completely disagree with it. If you're a young investor, you should shy away from SCHD; there are better funds for you. What matters to me is risk - adjusted return and income as I approach early retirement. I like SCHD; with a beta of 0.77 it will preserve my capital better than VOO in a market downturn while providing growing income.
Thanks for the vid!
let me see: 3.5% dividend with capital appreciation and performance similar to the overall market over 20 years...
i think i'm gonna be fine retiring with 80% of my money in SCHD
You and me both...early 50's here, so I'm still pounding VOO & QQQM along with SCHD.
Fantastic video Dividend Bull! I think Daniel Jones the lack lustre QB for the NY Giants may have written this one not the guy with 30K followers on Seeking Alpha. 😂
Do any of you Americans invest in VDY? It has a 4.8% yield and in my view has upward mobility due to Canada's economy being weak at the moment. Just something to consider
A more valid concern would have been how SCHD has really lagged other dividend ETFs such as VYG and SPYD in the current market. I hold all three because they offer a different mix of holdings. It seems holding less technology may have backfired on SCHD. Total return matters.
I'm currently increasing my position in SCHD to balance out my account which is heavy on growth stocks and ETFs. Currently it's only 1.9% of my portfolio and I would like to bring up to 5-6% before I focus elsewhere
I own JEPI, JEPQ, SPYI, VOO and VTV for strong dividend income.
I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.
Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!
Love your videos, would you do a video on JEPG for your European viewers who are not able to buy US ETFs?
Last time the market was in a downward/bearish trend and SCHD was outperforming SPY because it has less Tech exposure and tech was getting beaten up hard... SCHD was the darling child of Reddit and others as you get SP500 like/even beating growth AND a dividend.
In a falling market that was true. Cash was even better. But the stock market always goes up over time. So, you have to either adjust as the market changes, or build a more diversified portfolio that works in a rising market like we have now. The majority of the gains are coming from Tech and that may be the case for a very long time.
@@don951 Agree 100%, I was merely pointing out that 18ish months ago SCHD was the darling of many youtube/sub-reddit entries as the "perfect" investment.
I like to have SCHD. 20% of each ROTH IRA Portfolio. Yield: 3.75% 60% SPY. 20% Various Income Funds, PFF, ILTB, TLT.....What are more interesting buys for long term growth? I want to get in with about 300k in cash savings lying waste to inflation
you need a certified financial planner straight up! personally, I invest in ETF's and also love investing in individual stocks. yes it’s riskier but am comfortable in my financial environment
Very true. Despite having no prior investing knowledge, I started investing before the pandemic and ive pulled in a profit of approximately $950k from an initial $390k. In reality, all I have been doing is getting professional advice.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio building/allocation
My CFA, Amber Dawn Brummit , is a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Schd is one of my best holdings. I don't know what this guy is talking about.
The guy's article is right. It is not worth it. If you can get 5.25% on 3 month treasuries, why risk money on SCHD; going no where in 4 years, earning 3.4% If you want income there are better ETFs.
Best thing about ETFs is that they disclose their holdings. Would not be surprised if future div ETFs stop disclosing the holdings.
So you had an schd return over the last 12 years how hard would it have been to get an s and p chart that showed the same thing instead of guessing the range.
Consider pairing SCHD with SCHG and VOO. Conservative investor can add BND and a very small slice of TLT
My choice is FDVV for the dividend portion of the portfolio.
Thank you
we own six-figures worth of SCHD since 2018. I agree with Daniel Jones - I think SCHD is not a great core holding and should be a satellite holding. It just doesn't have the growth stocks and if in a taxable account you're forced to pay dividend taxes every year along the way until you retire. We're trimming SCHD down to 20-25% of our holdings. 25% into each: SPY, QQQ, SCHD, VXUS is probably a great combo. Add Bonds/Treasuries as you get closer to retirement.
I don't own SCHD in neither my Cash nor IRA accounts. It's been too pricey for me.
I'm retired and live off of my Pension, Social Security and Dividend income.
Over time, my dividend income now far exceeds my pension income and is my Ace in the Hole.
I still continue to re-invest my dividends unless something comes up that needs financial attention. It's a good feeling when you no longer have to worry about financial surprises.
Folks, I'd recommend starting an income portfolio, no matter how small. In the early going, you will feel like you're shoveling sand against the tide.... then after a few
years, you will start to notice your income portfolio is actually making money. Now is the time you have the option to use your money... or Wall Street's money, to buy more income stocks.
Mark Bell
While I don't think it should be the only ETF in your portfolio, it should be a crucial part of a balanced portfolio. I've got SCHD + DGRO + QQQM + VTI and while I have historically tried to maintain an equal weighting between these, I've been accumulating more of DGRO off late and waiting on the market to temper down a bit before I continue to accumulate QQQM/VTI.
a year or 2 from now schd could actually be outperforming the sp500 as it was side by side with the sp500 up untill about 2 years ago...only because it was lacking a few of the technology stocks that had exceptional progress recently.
I recommend diversifying your investments by considering stocks alongside real estate. During a recession, there are potential buying opportunities in the stock market if approached cautiously. Additionally, market volatility can offer short-term buying and selling opportunities. However, please note that this is not financial advice. It's important to be proactive in investing as cash may not be the most advantageous option during these times.
You’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
WHITNEY KAY STACY. look her up
One thing of note.
This is the ONLY fund that follows this index in the US, the others trade in Korea. And the annual rebalancing sent the risk profile through the roof on what names were added.
I lost money about 5 yrs ago after an oil and gas company he recommended went BK.
I’ll continue holding SCHD.
Is TDIV a good option, for payment at minimum 2,2% of div. yield? Otherwise, is a minimum % of div. yield that is good to establishment a benchmank to buy TDIV? And SCHD? Which %div. yield do U use as benchmark to buy SCHD?
this is an amazing video. More people of the younger generations need to watch this. I’m 35 and trying to learn all this and this is the first video that’s actually helped me.
Thank you for sharing this video, much appreciated!
Recently, I've been pondering retirement. I've also invested $800K on S&P 500 so i could secure my financial future. i need an approach to invest in Stocks like Nvidia stocks and of course AI stocks that will align with my risk tolerance and financial goals but it seem to be bearish right now.
A lot of folks downplay the role of advisors until theyre being burnt by their own emotions. I remember couple summers back, after my lengthy setbacks, I needed a good boost to help my business stay afloat
@@AlexanderNeis I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help so i dont go through the management risks of getting burnt or blowing my accounts/portfolio again,thanks . God bless :)
.
Can you introduce me to your fiduciary? I'd love to learn more about his service
@@MariaLarsen09 its TOMAS CALEZ ANTONIO
Is there an internationally investing equivalent to SCHD domiciled in a jurisdiction which doesn't charge withholding tax?
I do the equivalent of 50/50 schd/qqq. Pretty solid return with a little lower down side than the market.
I’m thinking of doing a SCHD & SCHG split
@@thepassiveincomeseeker I like growth dividend mixes. I personally do 50/50 vym/qqqm. It is pretty solid until I hit 50 in 15 years then ill go more dividend only.
Bought some more SCHD today. I have no regrets
Gotta love a good pay raise!
Hmm let me see. I’m up 12% and it pays 3.49% dividend. This etf is for a specific use and i have 15% or my portfolio in schd. I’ve been very pleased. Sounds to me like he was trying to add some downward pressure so he can add to his position. 😂 i hate all the opinions in this world. As long as you understand what you’re doing listen to no one
The buzz around Cyberopolis is built on solid achievements and clear potential. This isn't hype, it's reality.
SCHD IS ONLY 10% OF MY PORTFOLIO BUT in RETIRMENT I might sell some QQQ to boost SCHD a little more to get more juicy dividend income . I have 40 years Until retirement 70% in SPY and 20% QQQ and 10% SCHD
I think people put to much stock into the div cagr of the holdings in schd. If they want the dividend to grow, they just pick higher yield companies to be a higher percentage of the fund.
Total return is usually manipulated in various articles who get paid to spew and skew the data.
Doing careful homework from the bare facts dividend investing does well near or in retirement.
Growth investing is best in the beginning and diversification (Bonds, CD's, and dividends) as the years pass.
I don’t listen to just anyone! I do my homework all the way! SCHD has been good to me! I’m holding cuz I need to have something for the future! Thanks
I see SCHD as the best of both worlds. It is diversified like the index funds with a low expense ratio while providing more compounding when reinvesting dividends.
Very interesting
Cyberopolis approach to blockchain technology is both innovative and practical. This project has the power to change the game.
SCHD has its place in a portfolio. You need funds that supports capital preservation and some growth along with dividend growth over the long run. I would be perfect if the dividend was over 4% current payout, but it isn't. If you work with professional LPL portfolio managers, much of what they recommend is very similar.
I am confused. SCHD tracks the Dow Jones US Dividend 100 index, but SCHD is a dividend growth ETF, but not an index ETF stock?
"...holding Nvidia before its bubble bursts." Lol, perfectly said.