>Start investing this year>By now nearly the end of the year my VOO investment is up 14% total return>Used extra money from paychecks to go into SCHD>Up 4% (obviously less since it’s dividend focused)>Realize I don’t have a reason to not focus on growth while I’m youngWell I put 5k into SCHD so far and I kinda doubt selling and buying other stocks is worth the taxes so I guess I’ll keep it in there for now…That’s the stratGrowth while young, sell for dividendsOr even just sell of shares and hope your returns cover your sell price
>>61544720>Growth while youngand that is why you should have 2x leverage on your portfolio if you can get a loan with low interest on itif an all world index tanks 50% you have bigger problems than getting your savings wiped out
>>61544744Wrong. You will have the problems everybody has AND your savings will be wiped and the banks will come for your ass if you took loans on top of that.
>>61544863the thing is everyone has problems then the people at the top are screwed cause they feed off the masses
>>61544720SCHD is a cult from reddit that migrated here, get out while you still can. They got outperformed by fucking VIG of all things by 10% this year. The only reason to buy SCHD is if you've been programmed by a cult to want to miss out on gains.
>>61544720SCHD is a meme and performed badly this year because of its rules causing it to miss out on the big AI stocks. You would have been better off putting everything in VOO. I agree with this guy: >>61545873Dividends are a nice bonus but they're not the end-all of investing. They are only one part of total return, and they aren't even really that desirable since you have to pay tax on them if they're in a taxable account.If you're reading a dividend focused subreddit, or watching a dividend focused youtube channel, forget it and start reading bogleheads stuff.
>>61545994It's also purely a programmed by fund decided to lose money. They sold AVGO right when it was starting to go up because it was performing too well so the algo was forced to dump it. SCHD is a fucking joke.
>>61545873>>61545994Well end of the day guess I made more than having it just lay in the bank and it wasn’t the majority of my portfolio
>>61545994Shut the fuck up nigger. SCHD is long term hold it will not buy the fucking top of a tech run. I'm so fucking tired of you niggerfaggots that want every fucking etf to be 10% nigvidia. Buy qqq if you can't appreciate what SCHD provides.
>>61548890SCHD is a long term hold in the same way that shitting into a plastic bag is a long term hold. You got outperformed by a fucking high yield savings account this year SCHD baggie. Hope Santa took a giant steamy shit in your stocking this year, because crap is the only thing you like holding.
>>61548890>appreciate what SCHD provides>provides under-performance
>>61548911>>61548906I am up bigly on schd.
>>61544720>Start investing this yearThat's the thing, the vast majority only started investing post 2008, they think it's normal how it is now and are all about to be taught a harsh lesson about "line always go up".
>>61548933>>61548933>3 months and up $25 from equity+divs>Up biglyLmao. You probably think 2 inches is huge. Typical SCHD holders.
>>61548890>Long term holdOK, let's go far back. Over the last 14 years it still under performed. It's simply inferior to total market funds because there's nothing special about dividends other than you getting taxed on them, and the rules mean if a stock goes up too much it gets sold so you miss out on good things like the AI stocks.
>>61544720Depends on your end goalIf that's to have a pile of stocks that's valued the most, yeah growth is probably best.If you're goal is to have the biggest income and have that income be indefinitely sustainable then something like SCHD is best.I love SCHD because I love to buy and hold and hate selling.I'd be a nervous reck trying to sell stocks for income.Dividends are comfy and easy to stick too.Investing is just as much as a psychological game as it is a pure numbers game.It's the best time right now to buy SCHD because it's cheap.Total return redditers don't understand SCHD or dividends in general.When you invest in dividend growth stocks over time you require less total return for the same amount of income as compared to total returns inverters who buy dividend stocks later on because you bought the same amount of shares but at a cheaper price.Plus growth stocks are not guaranteed to do better than value stocks in the long run. They've only been doing better since the early 2010s. Over the past 100 years value stocks have out performed growth stocks.>>61545873>SCHD is a cult from redditThat was 2 years ago when SCHD was shilled all over youtube and people on reddit thought it would continue to have the same price appreciation as the S&P500 plus higher dividends. People who hate on SCHD now never understood it's methodology or why it's a good fund.Now reddit hates SCHD and the new reddit opinion is total return is the only thing that matters.
>>61550315If you get outperformed by other dividend ETFs like VIG by 10% then it's not a good fund. It's an algorithm that values underperforming energy companies and the second one does too good it gets removed from the ETF. An algo that wants to hold junk, is still junk. If you're not focusing on total return I don't know what to tell you. Focusing on only one retarded metric is how we ended up with YieldMax baggies here.
>>61544720>double digit performance>not 183% YTD performanceI don't use leverage, I don't actively trade100% silver & gold miners
>>61550417>If you get outperformed by other dividend ETFs like VIG by 10%Other dividend funds hold a lot more tech stocks like microsoft and apple.And while technically dividend stocks, they aren't really dividend stocks; they are growth.The reason etfs like VIG has outperformed SCHD recently is because we've been in the largest tech bull run in history for a while now and those funds weigh more heavily into companies that majorly benefited from it.But nothing lasts forever and the markets will shift and SCHD will outperform those etfs.It's not a matter of if but when.Plus, those other etfs outperformed SCHD only in total return, not dividends or dividend growth. SCHD has beat them all on those metrics.>It's an algorithm that values underperforming energy companies and the second one does too good it gets removed from the ETF. An algo that wants to hold junk, is still junk. Energy stocks aren't junk, they are cyclical. Right now they are that their cycle that they perform poorly. But they will increase and at a point will be the best performing stocks on the market, then after that they will lower.But those energy companies currently have very good company health metrics; high ROE, high cash flow, low debt ect. and they pay a high dividend and have been growing their dividend every year, so SCHD picked them up.It's just their current stock price is low because everyone is buying tech like crazy. But that will eventually fade and all those cheap energy stocks you could have bought right now will shoot up.People online have such a recency bias its crazy.>If you're not focusing on total return I don't know what to tell you. Focusing on only one retarded metric is how we ended up with YieldMax baggies here.Focusing only on the highest total return is called return chasing and is just as dangerous and retarded as yieldmax chasing.If all you care about is the highest total return and have such a recency bias you should just buy bitcoin.
>>61545729>the people at the top are screwed cause they feed off the massesthat's why they're NOT screwed, geniusyou will be forced to buy their bags by hook or by crook. Technically you already are since Trump forced Powell to turn the money printer back on.
>>61550490Keep coping. Look up "sunk cost fallacy" btw, it might help you out when you get outperformed by Bogleheads just buying VOO just like it has since its inception.Oh and cute longpost btw, but it'd be better on your blog ;)
>>61550523I'll notify your local morgue the next time the are markets down.
>>61550543>SCHD doesn't go down with the marketBuddy. Check the chart. If you just want to keep your money safe there money market funds for that. You're in a cult if you think you're protected from downturns by SCHD.
>>61550557>SCHD doesn't go down with the marketNever claimed it wouldn't go down.But it will go down less.Plus since I'm a buyer and holder, I like when markets go down.It means my stocks are cheap to buy.But low IQ retards like you panic and sell at the bottom while chasing hype assets when they are at their peak.Now fuck off faggot.
>>61550578Your stocks are cheap to buy because their garbage, and your garbage will also go down with the market. If you're only argument is that for some reason I'll panic sell my VOO despite having never done that because I know how ETF's work while you'll stubbornly hold onto your junk because it will just dip less is magical thinking (because you have to be in a cult to buy this shit).
Stop trying to explain schd-chan to the retards here, its not worth the effort anon. I will continue to buyeded one (1) schd every dayIts like a few months ago when msty was supposedly a better investment than schd, look at it now kek
>>61550512nobody is buying anything in that situation. people won't even be able to afford food. all those folks lining their bags money is gone. the people at the top need the masses more than we need them and it's not even close.
>>61544720if you want divvy growth compounding 50 iq it anon just buy that says 'high dividend'VYM FDVV
>>61550315>Investing is just as much as a psychological game as it is a pure numbers game.prob 2x more psychological than numbers. haha get it
>YEAR OF OUR LORD 2020+5>people still buy any index fund that is not vt and small cap value
>>61550757
I don’t know who’s more wrong, the guy that thinks dogshit stocks are “okay” because they offer a dividend, or the guy who thinks high beta growth dominance is going to continue for the foreseeable future given the jitters around “ai bubble”Note: AMZN, MSFT, META all underperformed the SPX YTD
>>61550442Yeah bro you could also just invest in NVIDIA and never sell until the perfect moment and get a lot of money or miss that chance or go broke
Also isn’t SCHD just down because it hasn’t been reconstituted yet and missed out on being more heavily weighted towards tech stocks? Either way I’ll just wait a bit and save extra money on the side before putting more into it / choosing something else while mainly contributing to VOO since that has worked nicely for me (not interested in minmaxing index funds btw so don’t bother)
>>61544720cute bugname?
>this thread teaching me that SCHD will drop high-appreciation stocks because muh divvy yieldthis is too spiritually close to being cuckoldeddividends are such a meme and should just be ignored until youve already made it
>>61550578No explain why buy and hold works better with SCHD than VOO
>>61554058>dividends are such a memeThey have their place, but yeah they’re much better for income when you already have capital. If you’re accumulating just buy indexes. I do like QQQI for some extra cash flow. In my budget, separate from current expenses and investing, allocate $425 a month to various buckets of future expenses (i.e furniture for a new house in 2 years, down payment in new vehicle a .50 rifle when I have land, etc.). I’m not spending it now, but want it carved out for these costs that’s happen some time in the future. They are allocated in $50-200 increments each month. I buy QQQI shares with this deferral, get ~13% monthly in cash dividends, and then can easily sell shares in ~$55 increments to “cash out”. Yeah it’d get better returns in VOO but if I want an extra $400 for a vacation, I can piecemeal easier. 13% dividends are pretty damn good in general. Certainly some flaws with my plan and I don’t mean to get wordy, but my point was dividend stocks can have their place outside of retirement.
>>61554132https://www.youtube.com/watch?v=f5j9v9dfinQhttps://www.youtube.com/watch?v=4iNOtVtNKuUhttps://www.youtube.com/watch?v=UpXI_Vd51dA
>>61553911>Also isn’t SCHD just down because it hasn’t been reconstituted yet and missed out on being more heavily weighted towards tech stocks? This is not the case. The rules of SCHD mean that it simply doesn't hold a lot of tech stocks and has no plans on doing so.One of the screens that it uses is stocks have to have 10 consecutive years of dividend payments. This instantly excludes Tesla, Meta, and Alphabet. Not to mention plenty of other smaller names in cloud, AI and software.After that, there's a high yield filter. The stocks that pass the 3 initial screens are ranked by annual dividend yield and only the top half of yield is eligible to be picked. This means stocks that increased in price too quickly, like broadcom, are not included. (Since yield is dividend_payout/price, when price increases, yield goes down.)There's a third "quality + yield" composite ranking which does more filtering.That's what we're trying to tell you. It's not that it holds the wrong amount of tech, ai and growth stocks, it doesn't hold them and has rules designed to exclude them. It's stupid. Just buy the whole market.
>>61553911>Also isn’t SCHD just down because it hasn’t been reconstituted yet and missed out on being more heavily weighted towards tech stocks? Lmao, no. The fund is designed to literally drop stocks that are doing good. You know the old investment saying to water your plants and cut your weeds? SCHD does the opposite, it's an ETF programmatically run to keep your weeds watered and it trims your flowers if they look too good.Almost 15 years of performance data now at this point and SCHD offers no upside in overall returns. Still buying it reminds me of Grandpa who would go to the pony races and put 10 dollars on the gimp horse because all the other horses were over performing while ole gimpy was due (despite the fact that horse barely had 3 functioning legs).
Just buy XEI, assuming that you won't be penalized for buying >Canadian
>>61553936nagisa aoyama
Why do so many dividend investors I see online have like 33% of their 6 figure portfolios be comprised of SCHD then if it sucks
>>61553904NVIDIA is only 36% YTD
Okay this is OP here, just originally was phone postingMy philosophy with investing was basically just "it's better than it being in a checking account" All I really plan on doing is either saving for a while, selling, then buying a bunch of dividend stocks to either live entirely or more comfortably off of themOrJust selling a certain % of a growth focused portfolio and recoup the losses from growth itself happeningBut am unsure which makes more senseGuess it all depends on life and timing
>>61555231>Buy a bunch of dividend stock to live off ofWhy? A return is a return. If you need money you'd be better off just buying an actual well performing ETF and then sell in the far future for long term gains. You're falling down the same dumbass line of thinking that got people to buy YieldMax garbage because they think dividends are magic.THINK RETARD. THINK.
>>61555306>you'd be better off just buying an actual well performing ETF and then sell in the far future for long term gainsYes, he should continuously sell his shares in order to make income.He will continuously have to sell his dwindling number of shares every year just to live.Watching them shrink year after year, pulling out the same amount of money every year because he can't pull out more or his portfolio will tank.Watching as that money he gets from selling shares lose to inflation, shrinking his purchasing power.Maybe he'll even have to sell shares in a down market and sell way more shares than he thought he'd have to sell.But that's ok because even if he's down to only one share of VOO, that one share will have increased in price 100000% times so it will be worth 1 billion dollars :)You "only total return matters" redditers make me sick.
>>61555394I don't think you get it anon.Let's say you didn't DRIP your SCHD dividends and kept them to live on.At the end of the year, your portfolio would be up 0.6%If you pulled 5% over the year from VOO to exceed the dividend revenue you got from SCHD you'd still be up over 7% on your portfolio.Unless you think in terms of just share count (which you might because you're a fucking retard) it makes no sense. Be honest.Would you rather be up 0.6% or be up 7%?
>>61555306because dividend payments largely aren't a result of how the market is performing
>>61555437>because dividend payments largely aren't a result of how the market is performingAnon, where do you think the dividend comes from? Were you asleep the last 5 years when companies were cutting divvies during the different downturns? The company needs money to pay those out and if they don't have it they get cut. Again, they're not magic and won't save you during the next downturn.
>>61555420My dividends that I use for income would be up 10% that yearI just got a 10% raise on my "salary" without having to do anythingAnd that's counting on me spending every single dividend and didn't reinvest any (i would reinvest atleast 20%)What you don't understand is that your portfolio could be with worth $100 or $100,000,000 it doesn't matterWhat does matter is what that portfolio can do.My portfolio gives me an ever increasing salary without having to do anything or selling a share.That portfolio could then be passed on to my kids who will get even more money and shares automatically without having to do anything.Meanwhile uou have an every shrinking share count and hopping to god the market is more favorable to you so you can live on the same amount of money every year.>>61555465This again shows you don't understand a thing about divs or SCHD. SCHD holds companies who DID NOT cut divs during those downturns, thats why they are in SCHD.2025 SCHD had it's biggest div payout since inception.Companies in SCHD like Coke or J&J even payed dividends in huge down markets like the lost decade, 2008 crisis and covid.Companies who have continuously payed are able too because they have business models who actually generate cash.Not by increasing share price through speculation and hoping they can sell their shares and let someone else hold the bag.
>>61555525>Meanwhile uou have an every shrinking share countyoure a fucking idiotdivvies really are a trap
>>61555534>Doesn't have a come back>No answers to any of the points>"YOUR A FUCKING IDIOT"You're a pathetic retardLike I said before in the thread fuck off faggot, you don't know shit
>>61555525As long as you're happy with your dog shit returns I won't stop you. I'm more worried about retards that might read your copewall and also be tricked into missing out on actual growth. SCHD holders can only reproduce by seducing others by committing the financial equivalent of rape.Btw, your kids would be happier with a 1.5 million dollar bag than a 1 million dollar bag that comes with a fry cook's salary grafted to it.
>>61555465this is the opposite of the truthyou sound like a ketotard now
>>61555596ok well what are you invested in
>>61555662VOO and VEA. Outperformed you SCHD retards 18% this year.>>61555647Were you not not alive during the great recession? Even Dow recently cut their dividend by 50%, you divtards are so disconnected from reality you don't even know where those divvies come from.
>>61555231>Guess it all depends on life and timingWhat you need to do OP is to take some time and figure out what are your own personal financial goals.If you don't have one or it's kind of vague like you describe, I would suggest picking a style of investment that you enjoy and you know you'll stick too.I've been harping this whole thread about how divs a great and I don't want growth stocks, but the truth is growth is a very good way of investing.It has made people a lot of money and does work.But it's not how I wanna invest and I value other things that make div investing appealing to me.I can stick to this strategy for a long time and never feel like I'm losing out.What's most important is that you are investing and will continue investing.Pick a style of investing you like and can see yourself doing for decades and stick too it.That's what will actually make you rich.
>>61555788This, but actually invest your money in real index funds and don't get fooled by bad products like SCHD. Otherwise you'll end up coping like this guy is about totally not wanting actual returns (lmao).Btw, keep in mind that every retard here that mentions a "salary from their dividend", keep in mind if you sock away $100k into SCHD your yearly "salary" is lower than the average yearly wage of an Uzbekistani household lmao
>>61555772>>61555892I am invested almost primarily in VOO anywayI was using the Schwab app which didn't allow fractional purchases of ETFs, so after purchasing 1 share of VOO I had leftover money and just put it in SCHD, if I didnt i couldn't slowly put another 5k into VOO by year end but that's hindsightWas focusing on just investing since I had just started this yearFor reference I just put 90% of my weekly paychecks into my brokerage account
>>61554176>divtards have not refuted this yet.
>>61556157Divtard SCHD holders will buy 5000 dollars of shares and then brag about making a yearly salary less than the monthly minimum wage of a Venezuelan.
>>61554604>canadianI would rather keep all my money in cash than buy Canadian
>>61555231>But am unsure which makes more sense>Guess it all depends on life and timingCorrect. How old are you? If you’re under 50 then it’s better to go for growth then switch into a more fixed income portfolio (meaning dividend stocks and bonds). If you’re nearing retirement, it may make more sense just use fixed income and see if that can provide enough for you. There’s still a good argument for an equity heavy, growth focused portfolio in retirement but that’s a different topic. And it is riskier.
>>6155714726, living at home, parents may give me their home soon (well not give it to me paid off but that's another story, dgaf about getting a gf so thats money saved
>>61555525Unless you’re retired and using dividends to live off of, you’re a smug idiot.
>>61555525Also>all this shilling over a 3.74% Nigger you could have at least picked RSPA or QQQI that’s comparable returns to growth ETFs. Or O at 5.5+%. Or AT&T at 4.5%. For fucks sake you could have locked up risk free 20 year treasuries at 5% this January. You could beat SCHD by 33% with a safer asset that’s also tax free for state income taxes.
>>61555788> But it's not how I wanna invest and I value other things Like what? Lower returns and higher tax rates? LTCG is 20%. Comparable income in dividends is taxed at a much higher rate.
>>61554176I’m not watching the same video from the same guy three times. Nor do I see how that’s relevant to what I posted.I’m not shilling for dividend stocks, nor saying it’s the best. I’m saying situationally there are some perks. For my example it’s either a HYSA/MM or QQQI. Something that’s relatively small dollars and easily liquid. Do you want 3.5-4% or 13+%? It’s maximizing my “cash”. Not trying to build up my total investments.
>>61544744do retards really believe this?
>>61558671this is the kind of mania you get at the end of a 15 year bull run
>>61558642You're replying to an "investor" who doesn't want to make money. Which is something you'd think an investor would care about, but we're talking about a cult that started on reddit and then migrated here. When you can't even convince redditors to join your cult and you're stuck going to biz instead, well let's just say that SCHD baggies aren't the sharpest tools in the shed.
>>61558860I can understand the appeal of dividend income if it supports your lifestyle/spending. It’s not the most efficient, but hey it’s not my money. I can’t understand shilling SCHD when it’s not even good. I don’t get it.
>>61561908>I can’t understand shilling SCHD when it’s not even good. I don’t get it.It's called resentment, baggies tend to have this
bro if you want consistent passive income then sell your entire SCHD and do covered call instead.
>>61564680>covered call insteadoh my god
