Is A 21% Dividend Better Than SCHD or JEPI?

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  • Опубліковано 13 січ 2025

КОМЕНТАРІ • 149

  • @BusinessWithBrian
    @BusinessWithBrian  2 місяці тому +62

    🚨 Own a Business with Limits Express - Click here to learn more: bit.ly/BWB_LimitsExpress
    📱FREE Newsletter. Updates and insights on the economy and investments with invest-X BWB Insights: bit.ly/investXBWBnewsletter

    • @byrons1339
      @byrons1339 2 місяці тому

      Lithium prices are at a 2.5-year low. Benchmark Mineral Intelligence (BMI) reports a global weighted average price of $9,998.80 per tonne for lithium carbonate... Benchmark Mineral Intelligence reports a global weighted average price of $9,633.62 per tonne for lithium hydroxide...For me this just means that it can only go up from here

    • @tailwind12
      @tailwind12 2 місяці тому

      Brian:
      GPIQ and GPIX both pay about .38 per share month AND have gone up in share price since october 2023 inception.
      How about a video on YieldMax ETF's. possibly you have done one.
      there is now over 20 funds. a mixed bag, some break even, some lose, (AIYY might go under) fewer OK and some NVDY, CONY, FBY very good. NVDY. amazing.
      i can not see going wrong with YMAG (MAG7) income fund at 23% from january 2024 inception. FBY (Meta) is up 31% since january.
      IF selective. Key word "selective" these are good income funds.

  • @Stanleee-8
    @Stanleee-8 9 днів тому +207

    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.

    • @Jillyshrum
      @Jillyshrum 9 днів тому +4

      The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

    • @JamesDinsdale-e6q
      @JamesDinsdale-e6q 9 днів тому +3

      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.

    • @mamasgigglesquad
      @mamasgigglesquad 9 днів тому +1

      @@JamesDinsdale-e6q 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.

    • @DannyGotts
      @DannyGotts 9 днів тому +3

      @@JamesDinsdale-e6q Pls pardon me, who is guiding you on that?

    • @JamesDinsdale-e6q
      @JamesDinsdale-e6q 9 днів тому +4

      There are a lot of independent advisors you might look into. But i work with Annette Marie Holt and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her

  • @rodrain2
    @rodrain2 2 місяці тому +73

    With a 21% yield, you can reinvest half of the dividends and live off the rest to keep your balance stable

    • @Lowery999
      @Lowery999 Місяць тому +11

      I live off dividends on ETFs, for sure it can improve your wealth if you reinvest them to buy more shares, creating a snowball effect that allows your investments to compound over time.

    • @KCostnerr
      @KCostnerr Місяць тому +5

      I reinvest 100% and will do so for years.

    • @Paulreal-s2w
      @Paulreal-s2w Місяць тому +2

      Did you ever thought about selling these dividends to cover expenses, as there's inflation.

    • @Lowery999
      @Lowery999 Місяць тому +5

      To be honest I keep compounding, adhering to well established patterns from a professional, even as a rookie, can bring tremendous value! I’ve trimmed, added also and now my average growth has increased in the past year while participating behind a top performer. effectively remits over hundred k annually and increasing.

    • @AsandeMonwabisizondi
      @AsandeMonwabisizondi Місяць тому +4

      @paul a lot of people let their dividends ride for the long-term given its solid returns effects overtime

  • @ChristianJacquet9
    @ChristianJacquet9 2 місяці тому +53

    I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I’m looking at SCHD, VOO, XLK or SCHG

    • @brianmurphysn
      @brianmurphysn 2 місяці тому +11

      Great picks! I just surpassed 500K. Biggest positions VOO, VTI, SCHD, VYM, and now looking to build up DRGO alongside my single stocks. I got ~$14900 divs last year in taxable divs. Q2 taxable divs this year was ~$8k

    • @ChristianJacquet9
      @ChristianJacquet9 2 місяці тому +9

      @@brianmurphysn thank you! Actually would it be silly to have both SCHD and VOO?

    • @brianmurphysn
      @brianmurphysn 2 місяці тому +8

      Not necessarily though there is a fair amount of overlap but that’s not necessarily a negative. Either approach is fine over the long term. Most important thing is to get started and build your income over time to continue investing more as time goes on.

    • @ric-morris7763
      @ric-morris7763 2 місяці тому +6

      I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!

    • @KevinCollins09
      @KevinCollins09 2 місяці тому +11

      Almost at 2,500 shares of SCHD. For the first time I’m about to use some of my dividend income for a trip to Hawaii.

  • @dannash9413
    @dannash9413 2 місяці тому +19

    Another thing is SCHD dividend is counted as a qualified dividend so it is taxed at long term capital gains, where the other 2 the dividend is counted as regular income. Also, JEPI and QDTE utilize different indexes. Maybe JEPI compared to XDTE would be a more apple to apple comparison as the both utilize the S&P 500. XDTE's dividend isn't as high, but it's NAV is alot more steady.

  • @user-sy8mn3dg6l
    @user-sy8mn3dg6l 2 місяці тому +4

    First of all, thank you for what you are doing with your channel. I find your videos well done and educational. I would appreciate a video on each the Yield Max products and options. Thanking you in advance!

  • @magicllama9614
    @magicllama9614 2 місяці тому +18

    Hey Brian, you said JEPI pays monthly dividends, but in your chart, at the 8:50 mark, you have SCHD as monthly and JEPI as quarterly, is this correct?

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому +8

      Sorry, it was an edit mistake I didn't catch. Yes, JEPI is monthly. The chart has them mixed around. I'll send the corrected cheat sheet in my newsletter.

    • @johnpac1029
      @johnpac1029 Місяць тому +4

      @@BusinessWithBrian how about jepq

  • @normannelson6050
    @normannelson6050 2 місяці тому +5

    Yes please make a video on options. It would be much appreciated 😊

  • @DeathSentryCoH
    @DeathSentryCoH Місяць тому

    absolutely excellent video! love your analogies as you make it much easier to understand. And your personas add so much context..subscribed!!!!!

  • @mikesgarage394
    @mikesgarage394 2 місяці тому +6

    QDTE Has been relatively constant ( as much as anything) for the last several months, after initial drop. Seems like they tweaked it and got the bugs out.

  • @carlyaney8521
    @carlyaney8521 2 місяці тому +5

    A better comparision would have been SCHD, JEPI & XDTR; all S&P 500. QQQ, JEPQ & QDTE all NASDAQ.

  • @jeffr1826
    @jeffr1826 2 місяці тому +1

    What a Great video thank you. Yes I'd like to know more about buying deeply into money calls. I'm so glad you make things so plain to understand 😊

  • @daborahgermanstavolkmunte
    @daborahgermanstavolkmunte 2 місяці тому +5

    !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 $2m+ before retirement

    • @AnastasiaAngelinaPetrova
      @AnastasiaAngelinaPetrova 2 місяці тому

      As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
      Kristine Lynn Weber is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

    • @JoseLopez-lf9rw
      @JoseLopez-lf9rw 2 місяці тому

      Without a doubt! Kristine Lynn Weber is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.

    • @daborahgermanstavolkmunte
      @daborahgermanstavolkmunte 2 місяці тому

      how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally.. What's your take on this approach? and How can i reach her, if you don't mind me asking?

    • @JoseLopez-lf9rw
      @JoseLopez-lf9rw 2 місяці тому

      look up her name on the web for her website.

  • @adamasimolowo8285
    @adamasimolowo8285 2 місяці тому +2

    What site is used for the CAGR metrics display?

  • @ziamalik8494
    @ziamalik8494 2 місяці тому +2

    Brian - you content is always so informational and beneficial.
    Definitely, would like to understand how the YieldMax efts work, their pros and con. Also some of the strategies that could work (or not). Thanks!!

  • @mauriliogm
    @mauriliogm 2 місяці тому +3

    The table shows JEPI Quarterly and SCHD Monthly --- it should be the opposite, right?

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому

      You are correct. It was mixed on the edit and I didn't catch it. I'll send the updated chart in the newsletter

  • @LeXxXGaming
    @LeXxXGaming 2 місяці тому +2

    you made a mistake. at 9:00 SCHD is paid quarterly and not Monthly and JEPI is paid monthly and NOT quarterly.

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому +1

      Correct. The chart was done wrong in post. But I spoke to it correctly. I'll send the corrected chart in my newsletter

  • @bhda
    @bhda 4 дні тому

    Yes, I’d love to see a video on yield max ETF. I’d like to learn what that is. Plus, I know leaving a comment helps you and I appreciate all the homework you do!

  • @loakland2773
    @loakland2773 2 місяці тому +2

    Thanks Brian. Great overview of each of these. Love the analogy of the home lease. What are tax implications of JEPI in Taxable/Brokerage account. ?? Yes, I would like your overview or lesson(s) on options. You’re an excellent teacher. Love your thought process also. Thanks again. Have a great weekend.

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому +1

      Thank you. I would not choose to have JEPI in a taxable account. The immediate taxes greatly reduce the growth. Your income tax rate is tied directly to non qualified dividends like JEPI. Ill make certain to create an options video. Thanks again.

    • @Sanloong7
      @Sanloong7 2 місяці тому +3

      15% qualified and 85% non-qualified.

  • @CGAZ66
    @CGAZ66 2 місяці тому +1

    QDTE and the dividend was lower this week but still payed out 109.00 for one week for me so in a month it would be 400.00 and this was a lower amount for the week. it does vary and the Nave erosion was very minimal compared to what earnings is and reinvest it at a lower price/. Look at the overall history. So far im sticking with this one. There is a XDTE which seems more stable and a new one RDTE that is to new to even guess at what it will do. (These do synthetics on the market n-100,sp-500 and as a whole) My other holding is Jepi very good overall.

  • @aarontaing8795
    @aarontaing8795 2 місяці тому +11

    I had SCHD for years. Works for my family. Lately I been buying FEPI and AIPI. They pay monthly div for ETFs. So far so good

  • @tomanyprojects
    @tomanyprojects Місяць тому

    Thanks for making videos that a beginner can understand. I bought all 3 of them

  • @TJC6626
    @TJC6626 2 місяці тому +1

    So which Jim Carry is SCHD 🤔

  • @MaryMcClaskey
    @MaryMcClaskey 2 місяці тому +1

    Why is SCHD talked up when I read comments in all articles from investors saying it does so poorly. Is there a substitute that does better?

  • @jimconnor6476
    @jimconnor6476 2 місяці тому +3

    Brian - Which of these three funds will benefit most in a dropping interest rate (recession)? Doesn't the JEPI Call strategy count on a rising interest rate environment?

  • @growtimez
    @growtimez 2 місяці тому +1

    MSTY yieldmax review would be sweet
    Great vids👍🏼

  • @gregwessels7205
    @gregwessels7205 2 місяці тому

    There are so many choices among covered-call ETF's. I think the hard part is choosing/accepting what type of investor you are, THEN choose one or more ETF's that match your investing style.

  • @uma5110
    @uma5110 2 місяці тому

    thaks brian, yes. please make a video on options

  • @LeandroSantos-bt1lg
    @LeandroSantos-bt1lg 2 місяці тому +5

    Thanks for the very informative videos, I’m a big fan of your content. I’d appreciate if you put together a video explaining how the yieldmax etfs work.

  • @ricksiu2840
    @ricksiu2840 Місяць тому +1

    I think SCHD is better for a regular brokerage account and JEPI is good for any retirement account due to qualified dividends.

  • @yinphung1517
    @yinphung1517 Місяць тому

    Hi, I really enjoyed your video you explained it very nicely and clearly, thank you for all the hard work you put into it. can you do a cover option trading video. Thanks

  • @steveprologo9600
    @steveprologo9600 2 місяці тому +2

    Hey Brian, really appreciate your vids bud - thanks!! Thoughts on using JEPQ instead of JEPI? Also not sure if you've done much in the CEF space but I'd love to see a vid or two on some CEFs for ex: UTG, UTF, BST, BME ... I too was blessed to be able to take early retirement at 51 and have embarked on a balance of dividend investments while holding many growth companies like your prev employer AMZN 🙂 -- again, appreciate you and what you do!

    • @missouri6014
      @missouri6014 Місяць тому

      You’re right a comparison of these two funds would be excellent and Brian does such a nice job
      To my understanding, they are pretty much the same with the exception of one is with the NASDAQ and the other is with the S&P

  • @wrb5813
    @wrb5813 2 місяці тому +2

    Where you invest taxable or tax deferred will matter. From what I understand schd dividends are qualified where the other two are not fully qualified. Is my understanding correct? How does that impact the analysis?

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому +2

      Tax deferred accounts are best for most dividend funds, unless you plan to live off qualified dividends with a low income. Total returns do not take into account taxes. This greatly skews the results making SCHD even better. I've shown these results in other videos, and this video was getting long. There are so many more details to cover.....I could go on for an hour.

  • @iann.152
    @iann.152 2 місяці тому

    Very good presentation… big fan, thank you.

  • @victoriagilliam-7798
    @victoriagilliam-7798 2 місяці тому +2

    please do a video on BITO

  • @mikelugo8983
    @mikelugo8983 Місяць тому

    What platform should i use moo robin hood TD

  • @sandyandrew219
    @sandyandrew219 Місяць тому

    Conflict online it is 3 point something per year not per quarter. Right?

  • @hernstv
    @hernstv 2 місяці тому

    Buying QDTE at ex date and Sell before ex date works for me

  • @ScubaDan33
    @ScubaDan33 Місяць тому

    I love the weekly pay ETF.

  • @SurfCityBill
    @SurfCityBill 2 місяці тому

    I have QYLD which I believe is similar to JEPI, yet with a better dividend.

  • @judyedwards6020
    @judyedwards6020 2 місяці тому +2

    I learned all about Options, a while ago. Invested in them also. Lost some $, but then on AAPL I loaded up, something was happening with AAPL, after the market closed, my investment went up $75K! I could not remain calm, in the morning I sold everything AAPL with a $40K profit and decided Options did not suit my personality.

  • @cmurill
    @cmurill 2 місяці тому +1

    For QDTE you cannot just take 21% of their distributions
    Recommended to take 8% and reinvest the rest to avoid NAV erosion, so far so good.

  • @rafaelaguilon
    @rafaelaguilon 2 місяці тому

    Should i limit my etf stocks? I have 10.

  • @Constitution1789
    @Constitution1789 2 місяці тому

    I'll admit, I haven’t fully grasped the complexities of crypto, options, or strategies like covered calls just yet. 😅 Because of that, I prefer not to invest in funds such as JEPI or QDTE, which leverage these sophisticated approaches. I believe in investing in what I truly understand, but I do find a lot of value in watching content like yours-it keeps me engaged and curious. Maybe one day, everything will click, and I'll feel ready to take the plunge. Until then, I’m happy to keep learning from a distance. 😂

  • @boss641
    @boss641 2 місяці тому +1

    What kind of watch is on your wrist in this video?

  • @MikeVictory
    @MikeVictory 2 місяці тому

    I like SVOL, so I'm not sure QDTE or JEPI are needed with that stock. I like SCHD a lot and have that one too.

  • @chiptaker9429
    @chiptaker9429 2 місяці тому

    I was wondering if you can do a deep dive into using the itrust capital platform.

  • @lynnvo2866
    @lynnvo2866 2 місяці тому

    Hi Brian, I would like to know after the share splits does the price then, went back to original price later on if there are more investors buying into it? I have been eyeing on other stock, but every time I am about to buy it, it’s went up again, so I am haven’t get a chance to jump into it yet! Your response would appreciate!

  • @sweetsweet3753
    @sweetsweet3753 Місяць тому +3

    SCHDs dividend growth since 2012 is what makes it the most solid choice. if you invested 100k in 2012 you got about a 3% dividend. but on that initial investment today you get over a 10% dividend.. long term no brainer hold forever etf.

  • @SniperUSMC
    @SniperUSMC Місяць тому

    I think that one should go for growth stocks/ETF's initially, then later, once they have accumulated sufficient funds/money/ account size, switch to the dividend funds. But am on the fence on dividend funds then reinvest the dividends to ogrow the account. Which is better to grow a retirement account, high growth rate or descent growth rate with good dividends reinvesting 100% of the dividends. I'm not sure how to model that in a spreadsheet to find the best strategy. Anyone have opinions on this?

  • @jimconnor6476
    @jimconnor6476 2 місяці тому +1

    Brian - You should add a Free Cash Flow ETF to this Analysis (COWZ or COWS or VFLO)?

  • @shraddhatrivedi2348
    @shraddhatrivedi2348 2 місяці тому

    Can you please also share comparison of qdte with qqqi?

  • @flavio_oliveiira
    @flavio_oliveiira 2 місяці тому

    please, do a video explaining option, since now, thank you

  • @carbtripper
    @carbtripper 2 місяці тому +1

    Yes please tell your ideas on Yield Max -asap

  • @phku17
    @phku17 2 місяці тому

    @Brian what's your view on SCMI? My portfolio has gone from +13 to -13% now.

  • @mengkham
    @mengkham 2 місяці тому

    Hey Brian could you do a video about TDVI etf?

  • @orlandogarcia3018
    @orlandogarcia3018 2 місяці тому

    Nice video but can you change QDTE with MSTY Thanks in advance

  • @Geraldine-x3p
    @Geraldine-x3p 2 місяці тому

    I have qdte should I sell it

  • @stephenmckenzie9140
    @stephenmckenzie9140 2 місяці тому

    Brian are you still holding and buying Super Micro?

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому

      I sold most all when the accounting info first broke. I just bought in a little in case there's a good rebound.

  • @danieltan3147
    @danieltan3147 Місяць тому

    Yieldmax ETFs overview video please 🥰🥰🥰

  • @schmaniel86
    @schmaniel86 2 місяці тому +2

    A Yieldmax video would be really helpful! Yieldmax and other funds like QDTE are attractive to someone like me who didn't have disposable income until they were in their mid 30s and is trying to make up for lost time by getting the highest return possible (even though I understand the risks associated).

  • @corehalliwell
    @corehalliwell 2 місяці тому

    🙋🏽‍♀️option trading video please, and thank you so much for your videos. ❤

  • @steamroller1474
    @steamroller1474 2 місяці тому

    Please do a video on YieldMax etf's.

  • @雄雄-d1j
    @雄雄-d1j 2 місяці тому +1

    I am holding 70% cash and I am waiting a big drop Next year.

    • @brandon8531
      @brandon8531 2 місяці тому

      Ha. How’s the worked out for you the last few months and last week??

    • @rogerpaddock6785
      @rogerpaddock6785 2 місяці тому

      Good luck with that. Probably gonna happen at some point but......

  • @shadowgov9721
    @shadowgov9721 11 днів тому

    maybe xdte would have been a better one to compare to than qdte

  • @moeariza6029
    @moeariza6029 2 місяці тому

    Yieldmax video please!

  • @soze8415
    @soze8415 2 місяці тому

    Just a correction. Im sure it was a honest mistake. But JEPI pays monthly and SCHD is quarterly. Dont give up. Just stay disciplined and use dollar cost averages.

    • @BusinessWithBrian
      @BusinessWithBrian  2 місяці тому

      Yes, you're correct. I've responded to this point a few times. It was a mishap with not catching it in the edit. But I'll definitely have the table in my newsletter correct. Thanks

  • @jimknarr
    @jimknarr 2 місяці тому

    The answer is a resounding "no"

  • @bluesky5587
    @bluesky5587 21 день тому +1

    Spyi is just as good as schd ….tax advantaged income …more than schd and more growth of portfolio .

  • @KaskoXeroVlogs
    @KaskoXeroVlogs 2 місяці тому

    This didn't age well qdte recovered

  • @SKMarcusA
    @SKMarcusA 2 місяці тому

    JEPI pays monthly

  • @CoolestGuyInTheRoom
    @CoolestGuyInTheRoom 2 місяці тому

    JEPQ

  • @sss1st
    @sss1st 2 місяці тому

    Taxes taxes taxes

    • @CGAZ66
      @CGAZ66 2 місяці тому +2

      Tax deferred is the way to play it for these.

    • @sss1st
      @sss1st 2 місяці тому

      @ too small

  • @JulianBenjamin3d
    @JulianBenjamin3d 2 місяці тому

    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

  • @kimhicks355
    @kimhicks355 Місяць тому

    Scud is a quarterly dividend

  • @jasonjanssen2533
    @jasonjanssen2533 2 місяці тому

    I would chose a red state. You'll save more of your money and I would choose a mid western state like Missouri.

  • @jackfrost-fu7hz
    @jackfrost-fu7hz 2 місяці тому

    SCHD is all hype, it is ok but not worth my money, low returns and low dividends.

    • @TheAzmountaineer
      @TheAzmountaineer 2 місяці тому +1

      and you prefer...?

    • @nicks6243
      @nicks6243 2 місяці тому +2

      You are not considering the power of yield on cost (YOC) by the time you retire, your actual dividend yield will be around 20-30% if you calculate yield on cost and the dividend growth- this is why SCHD is the king by a landslide

    • @wolfster2287
      @wolfster2287 2 місяці тому +1

      Silly

    • @spaceinvader68
      @spaceinvader68 2 місяці тому

      @@nicks6243 I wish I would have known what you just said and acted years ago. Problem is it doesn't go up like Bitcoin and everyone want instant results now.

    • @missouri6014
      @missouri6014 Місяць тому

      @@nicks6243 you know really believe that do you
      I know all the different UA-camrs keep saying things like that but think about it for a moment is that even possible?
      Seems like a lot more hype
      Also, mathematically think about this
      An increase of a 3% dividend by 5% is a very low number so just do the math and increase of a 10% dividend by 5% is a much larger number and that will just not happen. They’re only so many pennies in a dollar.
      So my two cents worth is not to get caught up in the hype