>>> Learn all about bond investing in our bond courses (and how to build a bond portfolio) while bond yields are high join Bond Beginners today (our foundational-level bond course): www.diamondnestegg.com/bond-beginners Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters Or get both Bond Beginners & Bond Masters together for even more savings: www.diamondnestegg.com/#_paa2isucf And join our super-supersaver membership for regular market updates & monthly live member Q&As ruclips.net/channel/UCnexoc6tvesvcCEzZhmI-Agjoin >>>>>>>>>> WATCH NEXT Our Bond Courses vs RUclips Membership | Which Is Right For You: ruclips.net/video/H5h4Eyh0hjo/видео.html Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: ruclips.net/video/uXPzbje1g2E/видео.html Bond Masters Course Sneak Peak | How To Build A Bond Ladder: ruclips.net/video/p90IDmXn19s/видео.html >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO: Individual Bonds vs Bond ETFs: ruclips.net/video/EReUe8utwqk/видео.html Which Dividend Fund Wins: ruclips.net/video/Zof8HkRVWCs/видео.html FDVV vs FXAIX: ruclips.net/video/F6QDCWG954Q/видео.html SCHD vs SWPPX: ruclips.net/video/PS34e1gd9Yo/видео.html VYM, VIG vs VOO: ruclips.net/video/Lk1mnQHU1Ks/видео.html Dividend Fund vs Bonds: ruclips.net/video/eZPQUvlWqWI/видео.html www.fidelity.com/ www.schwab.com/client-home investor.vanguard.com/home >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances & 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.
I have both SCHD and FDVV. FDVV has clobbered SCHD for the last year and half. There's no getting around the fact SCHD has struggled of late. Still holding onto SCHD since it is a good pairing with FDVV.
FDVV is a great fund, but it holds several tech stocks. I already have exposure to these stocks. So for diversification, SCHD is a better choice for me. For someone who likes dividends, but wants exposure to the tech stocks, FDVV is a good choice.
FDVV all the way. Up the most down the least. Morning 5 star rating for 1, 3 and 5 year. Nice balance of yield and growth. Schd is great lots of pushing on RUclips. Folks sleeping on FDVV.
@@variousstuff6469NVDA AAPL MSFT pay almost no dividends. They are part of fund to hold up overall return and make it more attractive. I have enough funds with those stocks and like SCHD because they are not overweight in those companies.
@@1bannahpoam A .15% fee ratio is still much much lower than what everyone used to pay with old school mutual funds. Anything under .25% is typically viewed as a very low expense ratio. And since it has consistently out performed the other Dividend ETF funds, it's more than made up for the extra .09% fee (.06 vs .15)
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year
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.
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 80% capital growth minus dividends.
That would be Melissa Elise Robinson You should look her up. I say, to be honest I almost didn't think I should have, but I'm glad I decided to let someone handle growing my finances.
At 44, I’m 20% SCHD 80% VOO in my IRA’s. I appreciate the diversification of SCHD and own enough tech in my main holding of VOO. Nice comparison of the 4!
I like SCHD in my taxable account because it seems to mostly pay qualified dividends. The treasury bond interest in the taxable account gets sort of double taxed because it pulls more of my Social Security income into being taxable (though in my state neither treasury bond interest nor SS income are taxed, so in from state tax viewpoint they are better than the SCHD dividends I guess. I wish SPYD had been included, it doesn't appear to have any growth but pays more dividends. I like to have my taxable account producing some dividends because I expect that to limit my need to sell equities in bad market years.
Diamond, is this a good time to start buying S and P500 or Dividend ETFs or do you think we’re better off to stay with Treasuries until a market sell-off?
Can you do a video on the best Muni ETFs? Tax benefits are unparalleled for the upper income tax bracket and are a lot easier to get into, especially for those looking for monthly returns. Maybe a comparison between Muni’s vs Muni ETF’s?
I would have no problem investing in one of these funds in my IRA account, but for my brokerage account, I don’t really understand the differences in the tax implication. You mentioned that your comparisons were pre-tax, but are the tax implications the same for these funds?
No to Blackrock or Greystone. I read Colorado is suing Greystone (housing developer) for price fixing. I was helping my sister look for an apartment recently. Affordable housing doesn't mean rent is affordable. It means renters have to make 3 times the rent. There are no handicapped units. These companies don't disclose what floor the apartments are on. They tack on fluff fees. My sister was $20.00 short for the rent. She ended up going somewhere more expensive because they only required 2x the rent. It sucks.
I am a teacher and I ABSOLUTELY love the pedagogy employed in these videos! You frontload the content of the video, clearly define all key terms, systematically work through each segment meticulously , and your pacing/intonation inspire confidence and bolster understanding. Thank you for your content!
Looking at one year of performance is too small to draw conclusions. Back testing to 2017 with div reinvestment on for all these shows an investment of $100k would get you a max return of $243k in VIG vs $229k in SCHD. But in that timeframe VIG had a worst year of -9.81% vs -5.56% in SCHD. SCHD is usually the "safer" option historically, but all of those are pretty close given a long enough timeframe.
Do you review REITs? Was wondering your thoughts on DEA. It's a Reit that leases commercial office buildings to the US Government. It currently pays an 8.65% dividend yield. With Treasury rates potentially lowering in the near future, I'm thinking this may be a good investment for the dividend and also price as it may increase as bond rates decrease
I prefer SCHD for the growth rate and their system used for rebalancing because it reduces overlap in my portfolio. DGRO is like a hybrid of growth & dividend but you’re better off just buying one of each. Like SCHG and SCHD. A 50/50 portfolio of those has produced a 3.3% higher return this year with a similar dividend yield. 1.91% vs 2.31%
The internet loves SCHD. It's a quality fund, but I like VIG and DGRO better personally. As far as bonds go, what are your thoughts on SPHY? Been considering starting a position in my Roth IRA as it seems to be a good value. But bonds are not my specialty.
Fascinating video, thoughtful and thought provoking as usual. I own VIG and DGRO but think of them as capital gains investments, as their dividends are barely more than the SP500 itself. At my age though I probably will start taking the dividends in cash soon; otherwise, as you say, it’s better to just buy an index fund for capital gains.
Diamond Nest Eggers - come to the dark side - Yield max ETFs, Defiance ETFs, Roundhill Weekly Dividends and many more high yielders…MSTY CONY NVDY look ‘em up!😂😂😂
I have SCHD specifically for diversification. Its 10% of my retirement account and 15% in my brokerage. The funds which returned the highest rate are heavily invested in tech which I already own in VTI, VUG and individual stocks.
End of the day, no diversification from stocks with dividend funds. I have SCHD in my portfolio because it is different stocks vs a VOO. You still need a bond, treasury or something other than a stock to truly be diversified.
Will you do a video on S&P 500 index funds? I know SPYD is a S&P Dividend. I don’t know if it has had the highest return though. Maybe there are others. I’m curious as to which has had the highest returns.
The review of dividend funds makes no mention of qualified dividends. My understand of personal income taxes suggests that dividends may offer a substantial yield benefit if they are qualified. Would you please discuss this matter?
Ok so it looks like once I get my IRA self sustaining(appx 8k per yr) then I switch over to SCHD for the tax benefit and live off that after I retire up until I can use the IRA without the tax hit. Looking at roughly 4-6yrs to get the IRA self sustaining contribution wise for taxes.
Hi, I brought 5 I-Bonds at the rate of 5.27% in April 2023; now when I go the Treasury Direct site and it’s showing a lower percentage than the 5.27%. I was under the assumption when I brought it at 5.27% the percentage stays at that percentage? Was I wrong thanks.
Very well done, quality explanation and great video as always I had SCHD 3 years ago , it was very Popular and had a very good record but since Covered Call dividend Funds became more popular Like JEPI , Divo the SCHD is not performing well last 2 years and also a drastic changes to the fund holing was recently done but it didn’t do any better
value does not appreciate much.. yield is not greater than high yield CDs and other short term instruments at this time ... and potential volatility. YMAG and the like seem to be good. They do not have long term record to assess their robustness. People say that we make 45% a year on options. Some yieldmax ETFs seem to accomplish this goal. Go ahead and invest if you are comfortable with these instruments. CEFs like PDI and PHK may be other high yield options. They have price volatility however.
@rajanvaradarajan4575 the return on the refommended is incomparable. Yieldmax is providing. .70- 1 per share. Vs .20c per share. Still time tested, but getting more recognition and building value. I'm in for quite a bit and looking for long term sustainable income which cannot be accomplished with CDs. That's for sharing your thoughts.
Hi Kelly - It’s in the last third of this member video: Best Dividend Funds 2024: FDVV, SCHD, VYM or VIG? (Which Is The Top Dividend Fund) ruclips.net/video/Zof8HkRVWCs/видео.html
JEPI does not distribute qualified dividends. It is covered call fund that distributes ordinary income. It is not even in the same category of the funds she was discussing.
>>> Learn all about bond investing in our bond courses (and how to build a bond portfolio) while bond yields are high join Bond Beginners today (our foundational-level bond course): www.diamondnestegg.com/bond-beginners
Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters
Or get both Bond Beginners & Bond Masters together for even more savings: www.diamondnestegg.com/#_paa2isucf
And join our super-supersaver membership for regular market updates & monthly live member Q&As ruclips.net/channel/UCnexoc6tvesvcCEzZhmI-Agjoin
>>>>>>>>>>
WATCH NEXT
Our Bond Courses vs RUclips Membership | Which Is Right For You: ruclips.net/video/H5h4Eyh0hjo/видео.html
Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: ruclips.net/video/uXPzbje1g2E/видео.html
Bond Masters Course Sneak Peak | How To Build A Bond Ladder: ruclips.net/video/p90IDmXn19s/видео.html
>>>>>>>>>>
Here is the overview for Bond Beginners:
1. Bond Basics
What A Bond Is & How A Bond Works
Why Invest In Bonds
New Issue vs Secondary Market Bonds
Interest Rates & Bond Prices
Current Yield & Yield To Maturity
Always Remember This!
Buying At Par, Above Par & Below Par
Different Types Of Bonds
Wrap-Up
2. The Risks Of Bond Investing
Seven Key Bond Risks
Credit Risk
Interest Rate Risk
Reinvestment Risk/Call Risk
Inflation Risk
Liquidity Risk
Currency Risk & Country Risk
Bond Risk Mitigation Strategies
Wrap-Up
3. US Treasuries Overview
What Are US Treasuries
Why Invest In Treasuries
Where Can You Buy Treasuries
How Are Treasuries Taxed
Wrap-Up
4. Treasury Bills
What Are Treasury Bills (T-Bills)
When Do T-Bill Auctions Happen
Where Should You Buy At Auction
Auto-Roll When Buying At Auction
Where To Find Recent Auction Results
High Rate vs Investment Rate
Reopening Auctions
Cash Management Bills (CMBs)
Buying & Selling On Secondary Market
Wrap-Up
5. Treasury Notes & Bonds
What Are Treasury Notes & Bonds
When Do Auctions Happen
Buying Treasury Notes & Bonds
Auction High Yield vs Interest Rate
Floating Rate Notes (FRNs)
Treasury Zeros (STRIPS)
Wrap-Up
6. TIPS (Inflation-Protected)
What Are TIPS
When Do TIPS Auctions Happen
Nominal vs Real Yields
Negative Yields
How Do You Adjust TIPS For Inflation
Taxes On Phantom Income
Secondary Market Liquidity
Wrap-Up
7. I-Bonds (Inflation-Protected)
What Are I-Bonds
How Does I-Bond Interest Work
I-Bonds vs TIPS
The Annual I-Bond Limit
Wrap-Up
8. Agency Bonds
The Universe Of Bonds
What Are Agency Bonds
How Are Agency Bonds Taxed
Treasuries vs Agencies
Who Might Want To Consider Agencies
Yield-To-Call & Yield-To-Worst
Where Can You Buy Agency Bonds
Wrap-Up
9. Municipal Bonds
Our Bond Universe Gets More Complex
What Are Municipal Bonds
How Safe Are Munis
How Are Munis Taxed
The De Minimis Rule
Social Security & Medicare Premiums
Treasuries, Agencies & Munis
Who Might Want To Consider Munis
Wrap-Up
10. Corporate Bonds
Our Bond Universe Is Complete
What Are Corporate Bonds
How Safe Are Corporates
Corporate Bond Hierarchies
Five Key Features Of Corporate Bonds
How Are Corporates Taxed
Treasuries vs Corporates, Etc.
Who Might Want To Buy Corporates
Wrap-Up
>>>>>>>>>>
Here is the overview for Bond Masters:
1. Stocks vs Bonds
Historical Performance
Are Bonds Really Less Volatile
Why Invest In Bonds
Accumulation vs Decumulation
Allocation of Stocks vs Bonds
Wrap-Up
2. Which Bonds Might Be Right For You
Treasuries & Other Types of Bonds
Nominal vs Real Yields
Inflation vs Non-Inflation-Protected
Taxable vs Tax-Advantaged Accounts
Wrap-Up
3. Bond Ladders & Other Bond Strategies
Normal vs Inverted Yield Curve
What Is A Bond Ladder
5 Important Bond Laddering Questions
Laddering When Rates Are Rising
Laddering When Rates Are Falling
Laddering When Rates Are Uncertain
What Is A Bullet
What Is A Barbell
Wrap-Up
4. Holding to Maturity vs Selling Early
Why Hold to Maturity
When To Sell Early Before Maturity
Tax Implications Of Selling Early
Wrap-Up
5. Individual Bonds, Bond Funds, Etc.
Why Buy Individual Bonds
Why Buy Bond Funds
Bond Fund Considerations
Key Bond Fund Concepts
CDs vs Treasuries
Other High-Yield Investments
Wrap-Up
6. Our B.E.S.T. Model Portfolios By Age
Our B.E.S.T Model Portfolios By Age
Model Portfolios In The Industry
B.E.S.T Model Portfolio Difference
How Much Do You Need To Retire?
How I Use The Rules of 100, 110, & 120
B.E.S.T Model Portfolios (20s)
B.E.S.T Model Portfolios (30s & 40s)
B.E.S.T Model Portfolios (50s & 60s)
B.E.S.T Model Portfolios (70s+)
Wrap-Up
7. The Decumulation Phase
What Is The Decumulation Phase?
Bear Markets & Recessions
What Can You Do In Bad/Bear Markets
Decumulation Tax Considerations
The 4% Rule
The Bucket Strategy
The Flooring Approach
Jen’s Bucket Strategy With A Twist
Wrap-Up
>>>>>>>>>>
SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO:
Individual Bonds vs Bond ETFs: ruclips.net/video/EReUe8utwqk/видео.html
Which Dividend Fund Wins: ruclips.net/video/Zof8HkRVWCs/видео.html
FDVV vs FXAIX: ruclips.net/video/F6QDCWG954Q/видео.html
SCHD vs SWPPX: ruclips.net/video/PS34e1gd9Yo/видео.html
VYM, VIG vs VOO: ruclips.net/video/Lk1mnQHU1Ks/видео.html
Dividend Fund vs Bonds: ruclips.net/video/eZPQUvlWqWI/видео.html
www.fidelity.com/
www.schwab.com/client-home
investor.vanguard.com/home
>>>>>>>>>>
Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances & 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.
Once I become a member will I have access to past members only videos? 0:02
I have both SCHD and FDVV. FDVV has clobbered SCHD for the last year and half. There's no getting around the fact SCHD has struggled of late. Still holding onto SCHD since it is a good pairing with FDVV.
FDVV is a great fund, but it holds several tech stocks. I already have exposure to these stocks. So for diversification, SCHD is a better choice for me. For someone who likes dividends, but wants exposure to the tech stocks, FDVV is a good choice.
FDVV all the way. Up the most down the least. Morning 5 star rating for 1, 3 and 5 year. Nice balance of yield and growth. Schd is great lots of pushing on RUclips. Folks sleeping on FDVV.
Factz
@@variousstuff6469NVDA AAPL MSFT pay almost no dividends. They are part of fund to hold up overall return and make it more attractive. I have enough funds with those stocks and like SCHD because they are not overweight in those companies.
@@Dividendflywheel it does but the expense ratio is a factor
@@1bannahpoam A .15% fee ratio is still much much lower than what everyone used to pay with old school mutual funds. Anything under .25% is typically viewed as a very low expense ratio. And since it has consistently out performed the other Dividend ETF funds, it's more than made up for the extra .09% fee (.06 vs .15)
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year
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.
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 80% capital growth minus dividends.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
That would be Melissa Elise Robinson You should look her up. I say, to be honest I almost didn't think I should have, but I'm glad I decided to let someone handle growing my finances.
At 44, I’m 20% SCHD 80% VOO in my IRA’s. I appreciate the diversification of SCHD and own enough tech in my main holding of VOO. Nice comparison of the 4!
I like SCHD in my taxable account because it seems to mostly pay qualified dividends. The treasury bond interest in the taxable account gets sort of double taxed because it pulls more of my Social Security income into being taxable (though in my state neither treasury bond interest nor SS income are taxed, so in from state tax viewpoint they are better than the SCHD dividends I guess. I wish SPYD had been included, it doesn't appear to have any growth but pays more dividends. I like to have my taxable account producing some dividends because I expect that to limit my need to sell equities in bad market years.
SCHD has been a “stinker” for almost 2 years now … not the benchmark anymore 😮😊
Sorry. Thats because I opened my SCHD position 2 years ago.
@@jstins 😂🤣
@@jstins😂
Diamond, is this a good time to start buying S and P500 or Dividend ETFs or do you think we’re better off to stay with Treasuries until a market sell-off?
JEPQ pays monthly
Can you do a video on the best Muni ETFs? Tax benefits are unparalleled for the upper income tax bracket and are a lot easier to get into, especially for those looking for monthly returns. Maybe a comparison between Muni’s vs Muni ETF’s?
Noted. Thanks for the suggestion. Best - Caitlin
@@DiamondNestEgg thanks Caitlin, you’re the best.
Thanks. I wish SPHD was included into the comparison.
SCHD, is a good mix of safety and steady performance or less volatility
May I ask if you plan on buying more in lieu of Fed cuts? Looking to find a TBill replacement for a moderate time 2-3 years.
FDVV leads in total return by a wide margin because it holds NVIDIA and Microsoft.
Exactly. And I have enough of that in other parts of my investment portfolio.
Thanks for saying this. SCHD it is for me.
I would have no problem investing in one of these funds in my IRA account, but for my brokerage account, I don’t really understand the differences in the tax implication. You mentioned that your comparisons were pre-tax, but are the tax implications the same for these funds?
Schd: low cost, growth orientation and value focus balancing out other parts of portfolio
The tables shown are the kind I like to see!
No, no, no on Blackrock.
No to Blackrock or Greystone. I read Colorado is suing Greystone (housing developer) for price fixing. I was helping my sister look for an apartment recently. Affordable housing doesn't mean rent is affordable. It means renters have to make 3 times the rent. There are no handicapped units. These companies don't disclose what floor the apartments are on. They tack on fluff fees. My sister was $20.00 short for the rent. She ended up going somewhere more expensive because they only required 2x the rent. It sucks.
I sold my SCHD maybe 2 years ago because it was not performing and over hyped.
I own and continue to buy SCHD in all of my Retirement Accounts.
I keep SCHD to 15% of each account.
I am a teacher and I ABSOLUTELY love the pedagogy employed in these videos! You frontload the content of the video, clearly define all key terms, systematically work through each segment meticulously , and your pacing/intonation inspire confidence and bolster understanding. Thank you for your content!
Looking at one year of performance is too small to draw conclusions. Back testing to 2017 with div reinvestment on for all these shows an investment of $100k would get you a max return of $243k in VIG vs $229k in SCHD. But in that timeframe VIG had a worst year of -9.81% vs -5.56% in SCHD. SCHD is usually the "safer" option historically, but all of those are pretty close given a long enough timeframe.
We went back 10 years in our deep-dives: ruclips.net/p/PLsv_4H5rP97EtZUFM-tYlJmLLIVltokEx&si=6KogW1Et3-IatZoi This is just a summary video.
Heres my favorite fund…..SPYI………..go ahead, compare away 😊
I prefer SDIV over SCHD... But no fund pays Qualified dividends.
Even with SDIV’s foreign taxes paid?
Surprised by the results. Will stick with treasuries.
Dang. Shoulda gotten FDVV
Thx for the information. You are very helpful.
Do you review REITs? Was wondering your thoughts on DEA. It's a Reit that leases commercial office buildings to the US Government. It currently pays an 8.65% dividend yield. With Treasury rates potentially lowering in the near future, I'm thinking this may be a good investment for the dividend and also price as it may increase as bond rates decrease
REITS are on our list, but we have some other vids to get through first. Thanks for the suggestion! Best - Caitlin
I prefer SCHD for the growth rate and their system used for rebalancing because it reduces overlap in my portfolio. DGRO is like a hybrid of growth & dividend but you’re better off just buying one of each. Like SCHG and SCHD. A 50/50 portfolio of those has produced a 3.3% higher return this year with a similar dividend yield. 1.91% vs 2.31%
Thanks for sharing
The internet loves SCHD. It's a quality fund, but I like VIG and DGRO better personally. As far as bonds go, what are your thoughts on SPHY? Been considering starting a position in my Roth IRA as it seems to be a good value. But bonds are not my specialty.
Love this channel, so much good info!
Fascinating video, thoughtful and thought provoking as usual. I own VIG and DGRO but think of them as capital gains investments, as their dividends are barely more than the SP500 itself. At my age though I probably will start taking the dividends in cash soon; otherwise, as you say, it’s better to just buy an index fund for capital gains.
Diamond Nest Eggers - come to the dark side - Yield max ETFs, Defiance ETFs, Roundhill Weekly Dividends and many more high yielders…MSTY CONY NVDY look ‘em up!😂😂😂
I have SCHD specifically for diversification. Its 10% of my retirement account and 15% in my brokerage. The funds which returned the highest rate are heavily invested in tech which I already own in VTI, VUG and individual stocks.
End of the day, no diversification from stocks with dividend funds. I have SCHD in my portfolio because it is different stocks vs a VOO. You still need a bond, treasury or something other than a stock to truly be diversified.
Will you do a video on S&P 500 index funds? I know SPYD is a S&P Dividend. I don’t know if it has had the highest return though. Maybe there are others. I’m curious as to which has had the highest returns.
Great video . What do you think of JPEQ? Monthly dividends are convenient perhaps.
The review of dividend funds makes no mention of qualified dividends. My understand of personal income taxes suggests that dividends may offer a substantial yield benefit if they are qualified. Would you please discuss this matter?
Obligatory “dividends are not free money comment.” 😂
I like the ETFs cause my money is safe and I sleep better eat night. Plus you can purchase them in fractional shares too on some brokerages.
Wishing you continued success in your business endeavors. May you and your subscribers and your family prosper always.
Ok so it looks like once I get my IRA self sustaining(appx 8k per yr) then I switch over to SCHD for the tax benefit and live off that after I retire up until I can use the IRA without the tax hit. Looking at roughly 4-6yrs to get the IRA self sustaining contribution wise for taxes.
I have SCHD - always buy more blocks when it drops below $70
Hi, I brought 5 I-Bonds at the rate of 5.27% in April 2023; now when I go the Treasury Direct site and it’s showing a lower percentage than the 5.27%. I was under the assumption when I brought it at 5.27% the percentage stays at that percentage? Was I wrong thanks.
It changes twice a year... May and November
I wonder how fdvv would look if Nvidia wasn't in the portfolio
I kept telling ppl fdvv is better than schd
Very well done, quality explanation and great video as always
I had SCHD 3 years ago , it was very Popular and had a very good record but since Covered Call dividend Funds became more popular Like JEPI , Divo the SCHD is not performing well last 2 years and also a drastic changes to the fund holing was recently done but it didn’t do any better
Thanks for sharing!
SCHD was a long term top performer among dividend funds, for the last two years it has underperformed the group.
We went back 10 years in our deep-dives: ruclips.net/p/PLsv_4H5rP97EtZUFM-tYlJmLLIVltokEx&si=6KogW1Et3-IatZoi This is just a summary video.
Wow! Thank you for this video!
Thank you very much...
No considerations for new yieldmax funds? Their payouts beat all of these. And much cheaper.
value does not appreciate much.. yield is not greater than high yield CDs and other short term instruments at this time ... and potential volatility. YMAG and the like seem to be good. They do not have long term record to assess their robustness. People say that we make 45% a year on options. Some yieldmax ETFs seem to accomplish this goal. Go ahead and invest if you are comfortable with these instruments. CEFs like PDI and PHK may be other high yield options. They have price volatility however.
@rajanvaradarajan4575 the return on the refommended is incomparable. Yieldmax is providing. .70- 1 per share. Vs .20c per share. Still time tested, but getting more recognition and building value. I'm in for quite a bit and looking for long term sustainable income which cannot be accomplished with CDs. That's for sharing your thoughts.
Can you do a video also comparing VWEAX?
Hi Ruth! I've added this onto Jennifer's list. Best - Eva
Where do I find the one that you would pick? Thanks
Hi Kelly - It’s in the last third of this member video: Best Dividend Funds 2024: FDVV, SCHD, VYM or VIG? (Which Is The Top Dividend Fund)
ruclips.net/video/Zof8HkRVWCs/видео.html
What about JEPI ?
JEPI does not distribute qualified dividends. It is covered call fund that distributes ordinary income. It is not even in the same category of the funds she was discussing.
I have a portfolio with SCHD, JEPI and DIVO split evenly. I like covered call income being thrown off of quality businesses with low dividend yields.
Thanks!
I bought DGRO in 2020. Happy with it.
Purchasing only Bonds from now on, thanks to your courses.
SPYD