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Personally, I would reallocate international to S&P and sit tight for years. Over time, if you got time, it is a winning strategy, however expert solutions require expert providers.

Agreed, I’m retired and never leaving the market, my portfolio is well-matched by my investment advisor to maneuver every season and I've just attained a significant 7-figure milestone after 100s of thousands invested, since the covid-19 outbreak to date.

bravo! mind sharing details of your advisor please? my job doesn't permit me the time to analyze stocks myself. I am a Data Scientist at Deloitte and looking to build my stagnant portfolio

I've stuck with ‘’Karen Lynne Chess” for 4 years now, and her performance has been consistently impressive. She’s quite known in her field with over two decades of experience, simply look her up.

thanks for putting this out... curiously inputted Karen Lynne Chess on the internet and at once found her consulting page, she seems highly professional from her qualifications

there are strategies that can actually generate wealth if put in place right, tho such execution is usually handled by financial experts

Agreed, the role of advisors can only be overlooked but not denied. At first-hand experience, I've been able to annualize a return of 60% consecutively for 5 years now, leading to a 7 figure portfolio as of today. IMO, nothing beats expertise.

@@arlenehill4ril this is huge! your advsor must be grade A, mind sharing more info please? in dire need of proper asset allocation

I've shuffled through a few professionals in the past, but settled with Karen Lynne Chess. You'd most likely find her basic info on the internet, she's well established with over two decades of experience.

excellent share, curiously inputted Karen Lynne Chess on the web, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal

prioritize patience. ideally, utilizing an advisor can help with informed buying and selling decisions both for short and long-term gains

Right, I once downplayed the role of advisors until after 40% portfolio loss amid covid-19 outbreak. At once, I consulted a license professional and my portfolio got revamped thankfully. As of today, I'm just about 10% shy of $1m after 100s of thousands invested.

@@M.Morgan sounds good! how to put my money to work has been my daily thought, did my research and most suggestions pointed at the stock market, the thing is i'm an absolute newb… mind if I look up your advisor please?

Karen Lynne Chess is the licensed advisor I use. Just google the name and you’d find necessary details. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

such an eye-opener! curiously inputted Karen Lynne Chess on the web and at once spotted her consulting page, she seems highly professional from her resumé, already scheduled a call session with her ..

Likely all real estate stocks, whose unqualified dividends get taxed as ordinary income (IE taxed at whatever tax bracket you're in), so for taxes it's most efficient to hold those kind of stocks in a 401k / IRA. Stocks with qualified dividends get taxed at just 15%.

@Mazlem nailed it. Our site Simply Safe Dividends shows you how each company's dividend is taxed so you know where it might be best for you to hold the stock for tax purposes. Here's a tip we give for non-qualified payers: --- Dividends paid by REITs and BDCs are mostly non-qualified and taxed as ordinary income via form 1099 (no K-1 is issued). Investors generally prefer to own shares in a tax-sheltered account (e.g. IRA) to avoid the higher tax rate applied to non-qualified dividends. Note: A portion of payouts may be a capital gains distribution taxed at a lower rate. Another portion may be return of capital, which is not taxed and instead reduces your cost basis. But in most cases, non-qualified dividends will account for the majority of a payout.

Great question, George! Dividends are only part of the portfolio's total return. I'd expect low-single-digit price appreciation, making for a total return in the high single digits or so (~5% dividend yield + 2-4% annual price appreciation). Thanks for watching! - Brian

Thanks! Our small team has been working on it for almost a decade now. The 14-day free trial is completely free with no strings attached - no credit card required or anything like that. You can even sync your portfolio during the trial to quickly see how safe your dividends are and a lot more! Feel free to reach out if you ever have any questions. We are always happy to help! Best regards, Brian

Those are two of my favorite dividend ETFs. If an investor seeks a balance between income and long-term growth, the one-two punch provided by SCHD and DGRO seems like a reasonable place to start. In case it's helpful, I shared my thoughts on SCHD in this video: ruclips.net/video/_2ZdVizLB8k/видео.html Thanks for watching and commenting! - Brian

It's perfect

You're very welcome! Thanks for watching :) - Brian

Thanks for watching and commenting! Just to clarify, the 5% is the starting yield - without growth, you're correct that income would get eaten away by inflation over time. This portfolio has grown its income organically by around 5-6% annually. I'm hopeful that rate continues and believe that would offset most measures of inflation - including money supply as measured by M2 here: fred.stlouisfed.org/series/M2SL Best regards, Brian

Thanks! I'm a believer in owning great companies with safe dividends and diversified sector exposures over trying to optimize smooth monthly payouts, but it was a fun exercise to try and achieve both goals. I appreciate you watching and commenting :) - Brian

You're welcome! Thanks for watching and leaving a comment :) Best regards, Brian

That's an interesting idea, too! I have the portfolio saved in my Simply Safe Dividends account, which will make it easy to revisit. I'll jot down this idea. Thanks for watching and commenting! - Brian

You're welcome, Charles! Thanks for watching :) - Brian

Thanks, Michael! With hopefully decades of retirement ahead of you, having some growth-oriented investments like dividend growth stocks or even a broad index fund like VTI could be something to explore. Regarding covered call ETFs, I published a relevant article on these investments last year. In case you're interested, you can check it out here: www.simplysafedividends.com/world-of-dividends/posts/5625-covered-call-etfs-too-good-to-be-true Thanks again for watching and commenting! - Brian

I agree investors shouldn't prioritize smooth monthly payouts over owning great companies and keeping a well-diversified portfolio. Accumulating and redistributing cash flow is a nice problem to have and one that isn't too hard to solve! I'm always surprised by the popularity of monthly dividend stocks for that reason, but sometimes the simple ideas sell the best. Thanks for watching and commenting! - Brian

100% agree. Too many companies not worth owning long term this way.

Thanks for the inspiration :) Nice to hear you had some overlap with some of the ideas I put out there, too. Hope you have a great week! - Brian

That's a fair thought! The main challenge is time horizon. If you are looking at a retirement that spans decades, buying a bunch of 7-10% yielders will likely create problems down the road - inflation eats away at stagnant dividend income, high yielders more likely to encounter dividend cuts, etc. But everyone has different risk tolerances and financial goals. Thanks for watching and commenting! - Brian

And do exactly what for the next 40 yrs.....would that 9% stave off super inflation you might not see coming. Would it hold off the judge giving half your worth to your now divorced wife 😂. People are so quick to yell retirement then dont know what to do n realize O 💩....I have to live another 40 yrs

​​​@@simplysafedividends Noted I'd be reinvesting the dividends for those 10 ish years where opportunities look good and paying off my debts with my job. I'd run about 75% into ETFs spread out wide for safety with a little room for growing and slap up a basket of about 100 stocks. ETFs Pfxf, spyi, sphy, divb, kng, jepi, jepq, bndx, jaaa, vymi, schd, csq, svol, spyd, schy Stocks xom cvx nvs csco tte t cmcsa sny rio cnq mfc su vale bns bmy tslx adm htgc trow adm ry dvn pbr pfg bkh td bmo hpq slf kof fnf bac mga kmi trp vici pfe main abr O HSBC adc tmus googl vz shel BP C stla bcs hmc met cm evrg cci mo amt abbv wec dino metc metcb sr bwmx arcc cswc ni ogs sr Not a hard slap together!

​@@o.c.g.m9426 😢. Sorry brother not my life story

What would you invest in? And what do you think about Roundhill, NEOS, and Yieldmax?

Payout ratio way too high. Dividend rate cut risk. Probably better options

It's a TERRIBLE company. Now their share price is reflecting 😂

Doesn't get much better or simpler than that! Thanks for watching :) - Brian

Thanks for your question! Our focus is on stocks that trade on US exchanges. This picks up some of the larger international companies that are listed on multiple exchanges but excludes everything else. If we did expand our coverage, I'd guess we would head north to Canada first. It's a lot of work to maintain trustworthy Dividend safety Scores and research, so we've been careful not to bite off more than we can chew. Feel free to reach out if you have any other questions. Thank you for watching! - Brian

Great question! The short answer is that no, SCHD has not distributed any capital gains for at least the last decade (and I'd guess since the fund's 2011 inception). Unlike some mutual funds, ETFs tend to be very tax-efficient vehicles even when there is turnover from rebalancing. Hope this helps, and thanks for watching! - Brian

@@simplysafedividends thank you!

Sounds like a decent plan to me. Thanks for watching and sharing your strategy with us! - Brian

Thanks for watching and sharing your thoughts! No doubt when you look at the surge in money market fund assets, you can't help but think some of that cash will flow back into dividends if / when the Fed's rates come down. I doubt a 0.25% cut or two will do much, but if we see a bigger move over the next year, it could result in a nice bump for dividends. We'll see, but it doesn't matter much if you're in these stocks for their growing payouts over the long run. - Brian

Wow, that's a lot of stocks! What are the weekly payers? Thanks for watching, Brian

Thanks for sharing how you are using SCHD! I've heard a little about FDVV but haven't looked at it closely. I'll check it out. Good luck on your retirement journey! Thanks for watching, Brian

@@simplysafedividends It’s a Fidelity passively run low cost ETF that is based on Dividends but doesn’t have the SCHD value stocks aim. The holdings crossover is on 15%. If you compare historical returns, it’s interesting to see the difference when years are up in the S&P 500 with them. Having the combo diversifies even further with the upside of strategic growth.

Thanks for watching and commenting! You're right that the annual reconstitution lifts SCHD's income each year as lower-yielders are replaced by higher-yielders. This year's boost was higher than normal, though. Some years, the portfolio's turnover is quite low (eg < 10%). This March around a quarter of SCHD's positions turned over. Either way, SCHD's methodology is pretty solid for investors looking for stable income and quality companies with a defensive tilt. Brian

@@simplysafedividends Very fair, it was a large turnover this time around. Normally I'm not a fan of high turnover in a portfolio. But the fact that we get the screening process with this ETF for a measly 0.06% expense ratio is beyond me. Long SCHD!

Congrats on starting your dividend portfolio, that's exciting! We unfortunately don't have promotions or offer discounts out of fairness to our existing customers, but our free trial is completely free with no credit card required. We are always happy to answer any other questions you have, too. Thanks for giving us another look! - Brian

@@simplysafedividends thank you so much is there any plan for a dividend tracker with future prediction for income?

Thanks for watching and commenting! I'm with you - a lot of fund "investors" seem to just look at a fund's recent performance and make a blanket judgement. There's a lot to like with SCHD if you take a few minutes to understand how the fund works. Best regards, Brian