Inflation is far more harmful to individuals than a collapsing stock or property market because it directly affects people's cost of living, which they immediately feel. It is not surprising that the current market sentiment is extremely pessimistic. In today's economy, assistance is critical if we are to survive.
Love to hear it! I’m 24 and my wife is 23, we work for the same company and get a 5% Roth 401k match. We both have our 401k contributions set for VOO. We just started both our Roth IRA’s last year. I have mine set up to automatically buy QQQ every pay day and my wife has her set up to buy SCHD every pay period. Can’t wait to see what we’ve created in the future! Cheers!
Make sure the dividends she is receiving are being reinvested. It would also be good to balance the portfolio by sometimes investing more on the etf that is perfoming worst, to avoid one of them growing while the other falls, and having a huge imbalance.
A Dream Team reference and great financial advise, you might be a keeper. I have an M1 Finance pie that is very similar, VOO, SCHD and QQQM. I am waiting for my previous employer 401k and espp funds to make their way and then I am off and running!
Thanks for the video. Recently realized that I was playing it too safe with my VOO, SCHD, and BND portfolio. I think I'll look at adding in a growth ETF like VGT or QQQM in a small percentage in lieu of BND because of my age. I've seen other videos where people use SCHD instead of a bond ETF because it has almost the same protection but a much better return with dividends.
That's so ironic, I was just looking at putting in the same amount. What is your estimated return over the next 27 years? I calculated it with both DRIP and without, but I almost don't believe it...
@@RespectfullyCurious one of the perks of SCHG/SCHD is there is practically no overlap. Only 3 holdings. The addition of VOO would have overlap, but the volatility is much less than SCHG. I think VOO/VTI still has a place in a portfolio closer to retirement age to reduce some risk or just increase the SCHD holding.
I def concur--I just bought 400 shares of SCHD,but. Also a few 100 of JEPI---tomorrow-I'm going to pick all or 1 of your semiconductor ETF' s you did a magnificent video on. I had prior favorites for financial news & advice---I must admit that I'm 100% smitten with you beautiful evaluations. ( I could watch you ALL day w 0 fatigue-haha!)
Incredible video! Thank you for introducing me to SCHD. You just gave everyone an all-weather, easy-to-manage growth portfolio with plenty of dividends. Kudos and onwards to more quality videos!
Nice video! I just built a portfolio almost the same as this, however, I did 50% SCHD and 50% VGT allocation. I did look at both QQQ and QQQM to use instead of VGT. The reason why I went with VGT is that the expense ratio is less than both QQQ and QQQM, it's only 0.10% for VGT. The other reason is that VGT has outperformed both QQQ and QQQM.
Been using the SCHD with VOO combo. Been happy with it. Interesting looking at the 10 year history of mine compared to if I had allocated that to SCHD to QQQM based on this.
I just found you & subscribed to all. I have shunned away from etf because I have to pay for the managing of the portfolio. I just recently realized the profit outweighs the cost
Because of dividends, I first began investing in stocks. It's important, in my opinion, to be able to live off of dividends without selling if you invest and make other income in addition to payouts. It suggests that you may pass that down to your kids and give them a leg up in life. Over the years, I've invested over $600k in dividend stocks; I continue to buy more today and will keep doing so until the price drops even further.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
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
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 Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
55% VGT and 45% SCHD is what I do. VGT is better than QQQ/QQQM. The only 2 competitors to VGT are FTEC and XLK. Based on my research, I slightly prefer VGT. SCHD is the best partner because even though VOO may do slightly better, SCHD significantly reduces the overall risk without significantly reducing the return. That’s because SCHD has great share appreciation and dividends, all while focusing more on value rather than growth. Too much growth isn’t smart, and VGT is basically all growth.
I've watched 100s of videos like this and I'm going to go out on the limb and say that this might be the best of them all. Concise, to the point and simple that my 15 year old daughter understand it. Most important though, is you might be right about these two Etfs being the best combo LT along with SPY 500 for covered calls.
Hi Viktoriya, love your videos and it is very educational, thank you for all your efforts in the research and creating videos. I like your (SCHD+QQQM) combo, it inspired me to come up with my own combo (SCHD+XLK) !! then invest in individual stocks on top of that, because XLK doesn't own Google and TLSA.
I do this strategy but with a mix of XLK / XSD instead of QQQM, both edge QQQM out and combined with SCHD achieve this portfolios goals with some better performance in the long run
Getting these people will ease a lot. And at last, you’ll realise you have safe your funds. The money we throw into stock without even taking consideration to whether it’s good for holding or not is our hard earn money. So we should accept someone professional to make good management of it for proper growth.
@@johnwilson4283 Talking about my analyst I met her sometime last year in Manchester. Her name is Loretta Wilkinson. She has helped me grow my money from £60,000 to £400,000. I can afford a house now, is her help.
30% USFR and 70% TQQQ will give similar returns to QQQ with almost half the drawdowns. 30% SDY with 70% TQQQ will give similar drawdowns to QQQ with much higher returns. USFR has the safety of bonds without the interest rate risk because it's a floating rate fund. SDY has lower volatility and higher dividend growth than SCHD making it slightly better to pair with high growth. Using TQQQ instead of QQQM leaves more room for the safer assets while still getting a good return. The most important part of this strategy is to rebalance annually. There are videos out about the barbell strategy and it's very similar. You skip medium risk and reward but hold 20% high growth and 80% low volatility.
SCHD/SCHG fan! QQQM historical based on QQQ could have higher gains, but SCHG is a solid growth ETF and is more diverse with a lower expense ratio at 0.04%. SCHG and QQQM are good options in my opinion, but I prefer the Schwab fund.
@@keithadams7395 Morning Keith. FDMO over the past 5 years has under preformed the Morningstar large growth cat and the S&P500 index only achieving an annualized return of 7.65% while the S&P has achieved 9.42% over the same 5 year period. For perspective SCHG achieved an annualized return of 11.20%. Comparing with SCHG with FDMO, SCHG over the past 5 years is up 62.56% while FDMO is up half of that at 32.96%. Also FDMO has a higher expense ratio of 0.29% compared to SCHGs 0.04%. If you compare the holdings, SCHG is very top heavy in the first 10 names. When comparing similar funds always look at the top holding. For a growth fund I would prefer a higher weighting in the heavy hitters and this is where SCHD comes in balancing out the portfolio. By the way SCHD over the past 5 years has an annualized return of 11.70%, so for a dividend value fund this has also beat the broader market (dividends reinvested of course). I would consider the SCHG/SCHD combo Superior. Past performance doesn’t predict future returns, but data is promising. Hope this was helpful.
@@dividendfire855 I was looking at SCHY the other day. Uses the same solid stock selection as SCHD. The 3.58% dividend is competitive with a 0.14% expense ratio. As it is a rather new fund only launched in 2021, there isn’t a lot of data on performance and the 2022 bear market did take a hit where it didn’t preform as well as SCHD over last year. As an international fund, it did preform better than SCHF which has a dividend of 2.66%. Has the potential to be a well balanced international holding with a value skew, but time will tell.
Thanks for another great video! I currently have a SCHD + XLK & SCHG portfolio al9ng with a small number of value stocks. ALSO, I recently came across a Vanguard ETF (VTV). BUT I haven't heard much about it, I think it holds some stable companies & pays a reasonable dividend amount. What are your thoughts on this ETF?
Looking back at this, the video said that SCHD does better during inflation and high interest rates, but SCHD has underperformed QQQM recently during this current period of inflation and high interest rates.
Is the higher risk of QQQM worth the reward? I don't know. It has a lot of overlap. On the other hand, maybe it's worth at least 20 percent of my portfolio.
After weeks of research and going back and forth with both QQQM and SCHG, Id decided to go with VTI, SCHD and SCHG for my Roth IRA. I had QQQM as one of the three, but I may just make it taxable. What do ya think?
Your analysis seems to differ from my experience. I just started buying both of these in January 2022 and SCHD is currently up .53% and QQQ is down 11.31% from that time. Granted I did not buy both on the same day in January but was pretty close. I'm really not impressed with either and am thinking of swapping both positions to JEPI.
@@bill_the_butcher Yes, that is a common problem when people invest in these types of funds. Stop looking at it! Just feed it more. If you are going to look at it, look at it to take advantage of the lows to time your transactions for more purchasing power, however, I don't think that is very necessary. Feed these funds for 20 years and you'll be a millionaire. If you want to obsess with what is up and down at any given moment, use a set amount of spare cash to play with individual stocks, but I wouldn't waste too much time, energy and/or money doing that.
I have a stupid question for everyone. The returns on growth ETFs like VGT and QQQM are way higher over time than SCHD. So yes SCHD would be better during certain market conditions, but what does that matter? If your investing for 15-20 years even if there is a market downturn on growth stocks is going to be way higher in the longer run when it recovers, so even bother diversifying? I.e. instead of reallocating why not buy more QQQM during the dip and your returns are still going to be several times that of SCHD EVENTUALLY? Am I missing something fundamental?
I don’t know much myself, but if you invest the dividend from SCHD back into itself, does QQQM growth still outshine the performance of SCHD but such a margin?
Qqqm dividend yield is low 0.66% vs schd 3.47%. So basically you’re hedging against market conditions. When growth is good qqqm shines but when growth is bad and qqqm is down, SCHD is more stable with higher dividends to offset the volatility. Diversification is great for a portfolio but I also see your point of just buying the dip if qqqm falls with an investing timeline of 15-20 years. I personally don’t think that’s a bad strategy (buy more qqqm at low cost knowing the market will correct itself)
I think people forget that when qqq went down in 2001, it didn't get back to breakeven for over a decade. Making half your portfolio qqq doesn't seem too bright of an idea, especially considering its well beyond historic valuations. SCHD is good if you want a focus on divided value but it has underperformed the s&p 500 with a higher expeses ratio on top of it. SCHD also has a very short history compared to the S&P. It's easy to look at the last 10 years and say this combo is a good idea but if there is one thing that is guaranteed. The next 10 years is never like the previous. Don't follow inexperienced investors, especially children just looking for clicks on a youtube channel. They are paid regardless of you lose money or not.
Inflation is far more harmful to individuals than a collapsing stock or property market because it directly affects people's cost of living, which they immediately feel. It is not surprising that the current market sentiment is extremely pessimistic. In today's economy, assistance is critical if we are to survive.
Looks like Roch Dungca-Schrieber is in this thread pretending to be struggling investors 🤔
SCAMMERS!!!!
Let me guess, Roch Dungca only communicates vía telegram just like all the other scammers, correct?
I stand with this. QQQM and SCHD combo. Best Duo out there
Wow. Your videos are not only super informative but entertaining as well. I enjoy the investing content. Keep up the great work!
Love to hear it! I’m 24 and my wife is 23, we work for the same company and get a 5% Roth 401k match. We both have our 401k contributions set for VOO. We just started both our Roth IRA’s last year. I have mine set up to automatically buy QQQ every pay day and my wife has her set up to buy SCHD every pay period. Can’t wait to see what we’ve created in the future! Cheers!
Make sure the dividends she is receiving are being reinvested. It would also be good to balance the portfolio by sometimes investing more on the etf that is perfoming worst, to avoid one of them growing while the other falls, and having a huge imbalance.
SPHD is nice too
A Dream Team reference and great financial advise, you might be a keeper. I have an M1 Finance pie that is very similar, VOO, SCHD and QQQM. I am waiting for my previous employer 401k and espp funds to make their way and then I am off and running!
I’m a dividend investor too and I approve of this message. Nice video!!🤘
Thanks for the video. Recently realized that I was playing it too safe with my VOO, SCHD, and BND portfolio. I think I'll look at adding in a growth ETF like VGT or QQQM in a small percentage in lieu of BND because of my age. I've seen other videos where people use SCHD instead of a bond ETF because it has almost the same protection but a much better return with dividends.
I have 135k invested in SCHD and QQQ
That's so ironic, I was just looking at putting in the same amount. What is your estimated return over the next 27 years? I calculated it with both DRIP and without, but I almost don't believe it...
@@Swing4TheRing where do get an estimate?
Great combo! I would add VOO to fit right between the two.
VOO adds a nice complement.
Sounds like a good idea 😉💰📈
That would just be redundant given the massive overlap.
@@RespectfullyCurious one of the perks of SCHG/SCHD is there is practically no overlap. Only 3 holdings. The addition of VOO would have overlap, but the volatility is much less than SCHG. I think VOO/VTI still has a place in a portfolio closer to retirement age to reduce some risk or just increase the SCHD holding.
I do those 3 + AVUV
I def concur--I just bought 400 shares of SCHD,but. Also a few 100 of JEPI---tomorrow-I'm going to pick all or 1 of your semiconductor ETF' s you did a magnificent video on. I had prior favorites for financial news & advice---I must admit that I'm 100% smitten with you beautiful evaluations.
( I could watch you ALL day w 0 fatigue-haha!)
This is such a lovely comment, thank you very much!😊
Incredible video! Thank you for introducing me to SCHD. You just gave everyone an all-weather, easy-to-manage growth portfolio with plenty of dividends.
Kudos and onwards to more quality videos!
Nice video! I just built a portfolio almost the same as this, however, I did 50% SCHD and 50% VGT allocation. I did look at both QQQ and QQQM to use instead of VGT. The reason why I went with VGT is that the expense ratio is less than both QQQ and QQQM, it's only 0.10% for VGT. The other reason is that VGT has outperformed both QQQ and QQQM.
Same here, SCHD+VGT
VGT and QQQ have performed about the same
@@spencersgarage 5 years return -- VGT - 121%; QQQ - 101%
@@spencersgarageJajaja no qqqm don’t have 5 year 😅😅😅
@@spencersgarage stop saying wrong things
My first video viewed from this channel. SUPERBLY done!!
Been using the SCHD with VOO combo. Been happy with it. Interesting looking at the 10 year history of mine compared to if I had allocated that to SCHD to QQQM based on this.
Absolutely. This video is not accounting for prolong potential market downturn
did you outperform voo alone?
@@visca7 depends on the year. Last year, yes. This year, no.
I just found you & subscribed to all. I have shunned away from etf because I have to pay for the managing of the portfolio. I just recently realized the profit outweighs the cost
Because of dividends, I first began investing in stocks. It's important, in my opinion, to be able to live off of dividends without selling if you invest and make other income in addition to payouts. It suggests that you may pass that down to your kids and give them a leg up in life. Over the years, I've invested over $600k in dividend stocks; I continue to buy more today and will keep doing so until the price drops even further.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
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
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 Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
Awesome pair! I have QQQ & SCHD in my portfolio 💸
@@adamtatusko IVV and VOO is the same thing. I prefer IVV and VOO is just more popular on UA-cam
Excellent! My Roth is VGT QQQM SCHD. My Individual is VGT QQQM SCHD SCHG IVM DGRW VUG VTI
What’s your allocation for QQQM SCHD and VGT for your Roth ?
55% VGT and 45% SCHD is what I do. VGT is better than QQQ/QQQM. The only 2 competitors to VGT are FTEC and XLK. Based on my research, I slightly prefer VGT.
SCHD is the best partner because even though VOO may do slightly better, SCHD significantly reduces the overall risk without significantly reducing the return. That’s because SCHD has great share appreciation and dividends, all while focusing more on value rather than growth. Too much growth isn’t smart, and VGT is basically all growth.
This did not age well. SCHD has really underperformed over the last 6 months. You might be better off investing into VOO rather than SCHD.
SCHD & QQQM dream team. I’d rather buy top 5 single tech stocks from VGT than buy VGT alone.
I've watched 100s of videos like this and I'm going to go out on the limb and say that this might be the best of them all. Concise, to the point and simple that my 15 year old daughter understand it. Most important though, is you might be right about these two Etfs being the best combo LT along with SPY 500 for covered calls.
Wow! I appreciate this comment so much, thank you!! 🙏😊
The ultimate combo. 50/50
Hi Viktoriya, love your videos and it is very educational, thank you for all your efforts in the research and creating videos.
I like your (SCHD+QQQM) combo, it inspired me to come up with my own combo (SCHD+XLK) !!
then invest in individual stocks on top of that, because XLK doesn't own Google and TLSA.
I am VERY curious to see the one-year result of these two ETFs! I hope you make a follow up video!
Thank you Viktoriya! Excellent report/review. Learnt so much in 7:25 mins 😊
Very good job explaining the 2 ETFs.
Great video 🔥👍
I'm also a dividend investor & like dividend stocks/ETF ✅
Great Video Viktoriya!
Super explanation
QQQM + SCHD + JEPI 👍🏼
I came for a thick russsian accent but left with some good investment strategy. Good job! 👏
My portfolio set up is 75% SCHD and 25% SCHG!
So QQQM and QQQ are nearly the same only difference is 0,15% vs 0,20% expense ratio? What about strategy?
qqqm got hammered in the down market.. down 32 % in the down market. hardly dream team material
'
It's very easy to look back and pick the best performing funds. But let us know what the best performing funds will be in the future. Yeah, right!
I do this strategy but with a mix of XLK / XSD instead of QQQM, both edge QQQM out and combined with SCHD achieve this portfolios goals with some better performance in the long run
I like this mix. 70 SCHD, 15 XLK and 15 XSD.
Is it a good idea to have a stock broker in Uk?
Yes, Mate. It is.
@@steffan683 Please why do you say so? I wanna know. I have lost a lot. Trying to manage my stocks myself.
I’m too tied up with work. I have no time to analyze which stock to buy.
Getting these people will ease a lot. And at last, you’ll realise you have safe your funds. The money we throw into stock without even taking consideration to whether it’s good for holding or not is our hard earn money. So we should accept someone professional to make good management of it for proper growth.
@@johnwilson4283 Talking about my analyst I met her sometime last year in Manchester. Her name is Loretta Wilkinson. She has helped me grow my money from £60,000 to £400,000. I can afford a house now, is her help.
Thinking of adding QQQM and already have Dgro...
I have VOO and SMH but a small amount and putting 50 a week into each i thought about qqq but its more volatile. Im new to investing
If you mix the two together, don’t you just have the equivalent of VOO?
30% USFR and 70% TQQQ will give similar returns to QQQ with almost half the drawdowns. 30% SDY with 70% TQQQ will give similar drawdowns to QQQ with much higher returns. USFR has the safety of bonds without the interest rate risk because it's a floating rate fund. SDY has lower volatility and higher dividend growth than SCHD making it slightly better to pair with high growth. Using TQQQ instead of QQQM leaves more room for the safer assets while still getting a good return. The most important part of this strategy is to rebalance annually. There are videos out about the barbell strategy and it's very similar. You skip medium risk and reward but hold 20% high growth and 80% low volatility.
Will TQQQ reverse split if the market goes down? In the past I had that issue with ultrashort QID and lost everything when the market went up.
1 to 2 punch just add VTI that’s all you need or VOO 😊
Omg your eyes are soooo pretty!
Off the bat, that’s too high
why the music? can't understand you.
How would you allocate these 2 ETF funds ( what percentage would you have them?)
Viktoriya … I’d love to get your thoughts on XLG …. Seems like this ETF would be a good addition to an income portfolio but no one talks about it …
agree with these 2
I would like to know your opinion, on the comparison between QQQM and JEPQ. Thanks.
I personally have a portfolio made up of 40% SCHD, 40% QQQM, and 20% SPYD :)
How's it doing ?
SCHG: Bruh…why you gotta break the SCHD/SCHG combo….? 🤨
SCHD/SCHG fan! QQQM historical based on QQQ could have higher gains, but SCHG is a solid growth ETF and is more diverse with a lower expense ratio at 0.04%. SCHG and QQQM are good options in my opinion, but I prefer the Schwab fund.
@@CWO-J I have my portfolio set up as 45% SCHD, 45% SCHG, and 10% SCHY (the international ver. Of SCHD)
@@CWO-J you guys think both those ETFs are better than FDMO?
@@keithadams7395 Morning Keith. FDMO over the past 5 years has under preformed the Morningstar large growth cat and the S&P500 index only achieving an annualized return of 7.65% while the S&P has achieved 9.42% over the same 5 year period. For perspective SCHG achieved an annualized return of 11.20%. Comparing with SCHG with FDMO, SCHG over the past 5 years is up 62.56% while FDMO is up half of that at 32.96%. Also FDMO has a higher expense ratio of 0.29% compared to SCHGs 0.04%. If you compare the holdings, SCHG is very top heavy in the first 10 names. When comparing similar funds always look at the top holding. For a growth fund I would prefer a higher weighting in the heavy hitters and this is where SCHD comes in balancing out the portfolio. By the way SCHD over the past 5 years has an annualized return of 11.70%, so for a dividend value fund this has also beat the broader market (dividends reinvested of course). I would consider the SCHG/SCHD combo Superior. Past performance doesn’t predict future returns, but data is promising. Hope this was helpful.
@@dividendfire855 I was looking at SCHY the other day. Uses the same solid stock selection as SCHD. The 3.58% dividend is competitive with a 0.14% expense ratio. As it is a rather new fund only launched in 2021, there isn’t a lot of data on performance and the 2022 bear market did take a hit where it didn’t preform as well as SCHD over last year. As an international fund, it did preform better than SCHF which has a dividend of 2.66%. Has the potential to be a well balanced international holding with a value skew, but time will tell.
Thanks for another great video! I currently have a SCHD + XLK & SCHG portfolio al9ng with a small number of value stocks. ALSO, I recently came across a Vanguard ETF (VTV). BUT I haven't heard much about it, I think it holds some stable companies & pays a reasonable dividend amount. What are your thoughts on this ETF?
Looking back at this, the video said that SCHD does better during inflation and high interest rates, but SCHD has underperformed QQQM recently during this current period of inflation and high interest rates.
Hi Vikoriya if you wanted to maintain a close balance between SCHD and QQQM how often would you re-balance? Yearly, quarterly or never, thanks.
Wouldn't you actually want to skew the percentage more towards QQQ in times like this to get in at a better price?
QQQM is based uniquely on tech stock, while SCHD is broadly diversified.
I will hesitate, buying QQQM for now. I would better go with DIVO.
Incredible with investments research and guess what else
Is the higher risk of QQQM worth the reward? I don't know. It has a lot of overlap. On the other hand, maybe it's worth at least 20 percent of my portfolio.
Great video.
I appreciate it, thank you!
I like qqq over qqqm. Better spread for options.
Why not VGT, instead of QQQM?
So if someone bought qqq in November 2021
2 years 6 months later in April 2024 , they investment is about the same as the day they bought it ??
is there a social media page to reach you to talk about some dividend etfs? keep up the good work
Great content, nicely delivered, BUT.. Please lose the annoying background music, which only detracts from your message.
Thank you!😊 And noted, thank you for your feedback!
simple is the 🔑
What about ticker symbols $deetz and $nuttz
They said load the boat lol
SCHD + VGT
Please talk about FEPI, the new ETF!
Growth graph of this channel is happy, let’s make an ETF for that😅, byeee!
Its funny how she is basing all of this on past performance 😮💨
Not even a dollar a year though for QQQM that’s a bummer
I Have VGT+VOO together..which etf should i pair them up with vug,qqqm,schd?
Wish o has qualified dividends 😭
wow Just two !
Why QQQM have lower return than QQQ in last 5 years
1 year has passed and VOO has +15% for last 5 years and SCHD +12.89%.
SCHD needs to ditch LMT and BLK from their holdings
not only smart, so cute:
i commended and subscribed!
QQQM -32.5% in 2022. Much risk involved with this ETF.
Look into DGRO vs QQQM
How do I invest into these stocks? I have a stocks app but when I search for these they don’t come up.
Question … what abt NDAQ instead of QQQM so as to avoid all expense fees?
I was the 420th like, just saying
Does SCHD also hedge against dedollarisation and hyperinflation, maybe?
Why use the Nasdaq 100? Why not use a lower MER ETF like VGT?
Tqqq
QQQM n VUG !
Have you done a video on DIVO?
voo and chill..
hodl no matter what!
this is the way.
the taoists call this vooway.
After weeks of research and going back and forth with both QQQM and SCHG, Id decided to go with VTI, SCHD and SCHG for my Roth IRA. I had QQQM as one of the three, but I may just make it taxable. What do ya think?
Definitely a stud profile, don’t let people splitting hairs on QQQM, VUG, and SCHG make you thjnk SCHG isn’t an elite growth ETF
@@jordanbatka033 Man as of a few months ago or so. I'd stopped investing. I'd realized I need to take care of my debts before thinking of that.
What r your thoughts on VUG?
Your analysis seems to differ from my experience. I just started buying both of these in January 2022 and SCHD is currently up .53% and QQQ is down 11.31% from that time. Granted I did not buy both on the same day in January but was pretty close. I'm really not impressed with either and am thinking of swapping both positions to JEPI.
Watch that jepi cuts their dividend for the last 2 month
Noooo! You need time in the market to weigh these investments.
@@bill_the_butcher Yes, that is a common problem when people invest in these types of funds. Stop looking at it! Just feed it more. If you are going to look at it, look at it to take advantage of the lows to time your transactions for more purchasing power, however, I don't think that is very necessary. Feed these funds for 20 years and you'll be a millionaire. If you want to obsess with what is up and down at any given moment, use a set amount of spare cash to play with individual stocks, but I wouldn't waste too much time, energy and/or money doing that.
Don't swap, add...Dollar cost average
Anyone check schd out lately...
I have a stupid question for everyone.
The returns on growth ETFs like VGT and QQQM are way higher over time than SCHD. So yes SCHD would be better during certain market conditions, but what does that matter?
If your investing for 15-20 years even if there is a market downturn on growth stocks is going to be way higher in the longer run when it recovers, so even bother diversifying? I.e. instead of reallocating why not buy more QQQM during the dip and your returns are still going to be several times that of SCHD EVENTUALLY?
Am I missing something fundamental?
I don’t know much myself, but if you invest the dividend from SCHD back into itself, does QQQM growth still outshine the performance of SCHD but such a margin?
Qqqm dividend yield is low 0.66% vs schd 3.47%. So basically you’re hedging against market conditions. When growth is good qqqm shines but when growth is bad and qqqm is down, SCHD is more stable with higher dividends to offset the volatility. Diversification is great for a portfolio but I also see your point of just buying the dip if qqqm falls with an investing timeline of 15-20 years. I personally don’t think that’s a bad strategy (buy more qqqm at low cost knowing the market will correct itself)
Cfmr
I think people forget that when qqq went down in 2001, it didn't get back to breakeven for over a decade. Making half your portfolio qqq doesn't seem too bright of an idea, especially considering its well beyond historic valuations. SCHD is good if you want a focus on divided value but it has underperformed the s&p 500 with a higher expeses ratio on top of it. SCHD also has a very short history compared to the S&P. It's easy to look at the last 10 years and say this combo is a good idea but if there is one thing that is guaranteed. The next 10 years is never like the previous. Don't follow inexperienced investors, especially children just looking for clicks on a youtube channel. They are paid regardless of you lose money or not.
What would be better?
What's the deal with the annoying music? Otherwise, great info.
This did not age well. SCHD has really underperformed over the last 6 months. You might be better off investing into VOO rather than SCHD.
What about 50/50 SCHD and SCHG
I have $240 to spend every month. I currently have SCHD and VTI. Would it be wise to go all in on SCHD or split the money between the two?
Imo SCHD & VTI are good combo.
@@9876karthi thank you
You’re so cute! 100% adorable! ❤
Weird bro