What Much SCHD Do You Own?! 🚨Join my EXCLUSIVE YT Membership Group (Access to my Investing Portfolios & Buy Alerts): ruclips.net/channel/UCYLtcHw-DY9IIEnFSrU6U-wjoin 🟠Seeking Alpha Sign Up Link (Used in Video + 20% OFF DISCOUNT) www.sahg6dtr.com/22H8MR3/R74QP/ 🤑See My Portfolio FOR FREE with Blossom: blossomsocialapp.page.link/marcosmilla
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 thus far for this year.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
80% stocks 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large $5m stock/bond portfolio for substantial gains at minimum risk of inflation.
I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.
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 Izella Annette Anderson for the last five years or so, and her returns have been pretty much amazing.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I'm sure the idea of an investment-Adviser might sound controversial to a few, but a new study by Motley-fool found out that demand for Financial-Advisers sky-rocketed by over 42% since the pandemic and based on firsthand encounter I can say for certain their skillsets are topnotch. I've accrued north of 880k within 16-months from an initially stagnant Portfolio.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
‘’Marisa Michelle Litwinsky’’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $ 2m.
I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference
@@itonlytakestime Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
@@StephenTho42 that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Catherine Gauthier.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
Seems like no matter what people decide to invest in, that compounding really starts to get going around year 20 and every year after. Get your money in early and often!
Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF. Can't wait to reach 100k. Zero debt , zero credit card ever. Piano teacher
First hit $100k in early 2020, that covid dip really hurt at the time. 4 years later that dip is barely noticeable on the long term chart and we are well over $300k with increased contributions in recent years. Keep grinding out there! ABB - Always Be Buying!!
I deal with an investment advisor for this reason. I currently have over $70k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons under guidance. Our current project for this year is a more concrete ballpark target this year. Credits to my FA Dianne Sarah Olson.
hello, How can one find a verifiable financial planner? I’ll be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
SCAM ALERT DO NOT FALL FOR THIS. Scammer is back posting with different accounts. Nobody has a holy grail that they share. Don’t fall for this lie you will lose your money. TOTALLY A SCAM!
SCHD is about 4.5% of my current portfolio after making a large purchase after rebalancing early this year. I also buy 1 share/ week and reinvest dividends. I hold in a tax advantaged traditional IRA currently, though i wish i had built out in my Roth.
Bought my first share of this stock from reinvested dividends. Will be getting more once I sell another stock I had for a few years that has given me a gain.
I’m your average , who actually struggled to make it through bitcoin and I retired when I was 55, here’s how I did it. Find a trader like Christina to handle your trade Became an investor, so you make twice as much as you trade. You’re going to work your ass off. Buy everything for cash. Put the max in your 401K, so you’re not paying any taxes on that money. Pay as much as you can on your house payment. Drive a basic car, when I was working I had a Honda Civic and rode my bicycle to work. Draw the money from your 401K so you pay no or as little possible in taxes. I’m 65 now, live in CA and my life is awesome
awesome! I really have a question. For someone with less than $5,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 i mate Christina i'm rejoicing till now
GREAT NWES!!started working with Christina back in April , and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
If you have the option to go with a Roth IRA for example first and max it out but you only do a taxable account. I would say it would be foolish, not bad, to do only a taxable account. Most people max out their Roth IRA for example then invest the rest of their money in a taxable account
@@JEspo83 you would have to look into ETFs or individual stocks that’s have higher dividend yields. Something like covered call ETFs but that is another topic. If you need the income now then taxable
@@Marcos_Milla So it's foolish to invest more in a taxable account after you maxed-out a roth IRA? What about someone who started late and is aggressively investing more to make up for lost time?
May want to consider adding IBIT to your portfolio. As the FED continues to dilute and devalue the purchasing power of the dollar.. IBIT will continue to outperform even dividend paying ETFs. To have a real return you have to outperform true inflation. Look at how MSTR has been performing
I’ve tried investing in various things that didn't work out as I hoped. I'm now considering ETFs as a more reliable option. What are the best 5 ETFs for a rookie investor looking to invest a lump sum? let's say $500,000
JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.
@@gabygabygaby2 schd only makes up a very very small portion of my portfolio. So honestly hold and buy. The majority of my money is in an S&P 500 index fund, the Nasdaq-100 and growth funds. I am aware of technology stocks beating the market the past decade or so but schd has outperformed the broader market the last 3 months because value stocks seeing a resurgence. I would have to give Schd another 3-5 years before considering contingencies since like I said it is a very minimal holding and I just bought into it a year ago at under $70 per share
Yay Marcos uploaded another investing video! Your positive and upbeat attitude in each and everyone of your videos makes investing seem more exciting and easy to understand for audience of different levels! I will definitely start buying more SCHD once I have my ROTH IRA and I wish I hadn’t sold my original 32 shares of SCHD😢😅 since I got caught up with the NVIDIA hype months ago. Anyways keep up the great work Marco!!
I like JEPQ a lot in the covered call etf category. 4 of my favorite in that category is divo, SPYI, JepI and JEPQ. JEPQ does pay a higher dividend than schd because it generates it from selling call options on the underlying stocks it owns and it has higher volatility. This combines for a high dividend of nearly 10%. (Given the fund is so new in 2 years of inception or so) its hard to project the future growth and returns of the fund since we only have 2-3 years ish of data so I cannot really pinpoint future dividend growth, if the high yield will remain, or if the returns will keep up. With that in mind, a lot of people have a small portion of JEPQ in their portfolio I’ve seen given this or they have more JEPQ if they want dividend income now. In the long long run I think schd will pose greater overall returns from Capital gains a growing dividend given it does not need to sell call options on the stocks it owns. Schd will also be taxed less in a brokerage account than JEPQ given the lack of option income.
Thanks Marcos , it would be a good idea to sell QQQM or a part, let's say 50%, and transfer it to a value ETF like the SCHD. In the QQQM ETF I have a profit of approximately 11%, and have a fund so that when the QQQM drops again put a large amount of money on it? big hug
The best thing you can do in my opinion is just to buy and hold for the long run and not time the highs or lows of a funds performance. For example with me I’m still going to buy all my ETFs no matter what in the next decades, some more than others of course. I don’t plan on selling out unless their is significant underperformance or dividend cuts, etc. big hug as well! QQQM is 100% in a potential volatile time with the us election nearing and the effects of the next potential rate cuts on the economy, so I slightly increase my schd position and have cash on the side to scoop up significant dips like we saw last month
if it fits your goals (preferably for dividend investing, prefer to have dividend income). Usually a dividend value fund like this is unlikely to outperform the S&P 500 over a long period in my opinion but the dividend is almost 3x more with schd over something like VOO.
The issue is getting 100k into an account where I don’t have to pay taxes on the dividends now especially since I’ll be reinvesting. I can only get in about 69k with a mega back door 401kRoth plus 7k in a personal back door Roth🤔
hi!! thank you for this video :) it's very informative! do you think SCHD is better in a Roth IRA account or better in a brokerage account? (in terms of tax, etc)
there's a 7k limit in a Roth.. so is it better to invest more in growth etfs in Roth since we don't get taxed on the growth? or is it better to focus on dividends in Roth IRA?
Honestly you could do either or. Whatever strategy you do and could stick to is the best strategy in my opinion. Growth or dividends, everyone should always max out their Roth IRA first. I personally would say to focus on more growth if you are younger or have a long time horizon and high risk tolerance
For dividend taxes, are you sent a 1099 at the end of the year? I’m very low risk and this video has me tempted to go all in on SCHD and nothing else..
Would you recommend SCHD if you were too old to benefit from the compounding like someone in their mid sixties or would some other etf be more suitable?
@@BruceChavers hmm. Generally if you are in retirement you want some sort of exposure to lower volatility funds like treasury bonds or even more liquid funds like in a money market fund or high yield savings account. I don’t think 100% in schd in your 60s is a smart choice given stocks are more volatile than the other asset classes I said above. But can it be incorporated into a diverse strategy, I would say yes
I'm in the same situation with 695 shares of schd in a IRA. However I have about $500k in treasuries, broker CDs, and Schwab Snsxx. Any suggestions where to allocate that chunk of money to generate passive dividend income. At 65 I want to start withdrawing dividends to live off without affecting my principal. BTW I'm 62 so my compounding won't be like a 20 year old even it I buy 5000 shares of SCHD.
@Marcos_Milla So when you get into your late 50's start getting rid of SCHD so that by the time you're in your 60's you don't have any SCHD? I thought that you want to hold SCHD to live off the dividends.
SCHD pays qualified dividends. That is the same as long term capitol gains. You will pay $0 on those dividends all the way up to the first $40,400. You will pay 15% on anything more than $40,400 all the way up to $445,850. And you will pay 20% on anything higher than $445,850 🎉
I Mean you need to do this in a ROTH...and you can only do 7k a year investments so like it would take a minimum of 14 years of your own MONEY to reach 100k of course not include stock price rising etc so it would be quicker but still not immediate. I'm doing the same though 1 SCHD stock a week for now. I have 18 and will have 22 by end of the month not including reinvestment of dividends.
First of all who has $100,000 sitting around... I wouldn't call it a "crush" at the least. You'd be working 20 years + till then. A high yield savings would get you more ytd...invest in crypto & trades is a wiser choice that can reach retirement way, way earlier.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Marcos... Im 48 and have an pretty decent portfolio. I want to drop 30K into SCHD and just continue to add $1000 every month. Do you think its worth it for a guy my age? If i want to retire in 15 years. Will the compounding take effect? I wont get that 20+ years for it to kick in. Thanks!
Yes however 60k with 30 years of a 3 percent inflation rate will be equivalent to about 145k. I’m just saying that final number is where we should be focusing on replacing rather than the 60k. I love your videos keep them coming!
Bro cant lie SCHD is my worst performing stock. Loaded up on 250 shares in 2022 and its basically been flat. I think its a great stock, but imo not for our age, I just have the dividends reinvesting, but I haven't added to the position in almost a year.
If Ai bubble pops, we will see a rotation to schd and value stocks. Hence why schd has been running up the past 3 months and outperforming the broader market
@@Marcos_Milla I agree, there will be a rotation, but not because of tech slowing down, because of rates cutting people will need somewhere to park there cash if they are no longer making 5% in money markets. regardless its decent to have in the port, but Charles Schwab as a investment firm has been a dumpster fire these past few months.
@@RobertAshmead-bg2lw 100,0015 at the time was only my brokerage and Roth IRA on Vanguard. At the time there should have been around 11k in a 401k so around 114k invested. Currently my portfolio is sitting at around 129k
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q1 2025.
@@PatrickLloyd- Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
Sophie Lynn Carrabus is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
What Much SCHD Do You Own?!
🚨Join my EXCLUSIVE YT Membership Group (Access to my Investing Portfolios & Buy Alerts): ruclips.net/channel/UCYLtcHw-DY9IIEnFSrU6U-wjoin
🟠Seeking Alpha Sign Up Link (Used in Video + 20% OFF DISCOUNT) www.sahg6dtr.com/22H8MR3/R74QP/
🤑See My Portfolio FOR FREE with Blossom: blossomsocialapp.page.link/marcosmilla
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 thus far for this year.
investors like you should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
80% stocks 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large $5m stock/bond portfolio for substantial gains at minimum risk of inflation.
I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfolio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay financially secure for over five years, yielding nearly $1 million in returns on investments.
@@lilyhershey1 That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
Izella Annette Anderson is my FA, simply do due diligence . You'd find necessary details online to work with and set up an appointment.
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 Izella Annette Anderson for the last five years or so, and her returns have been pretty much amazing.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I'm sure the idea of an investment-Adviser might sound controversial to a few, but a new study by Motley-fool found out that demand for Financial-Advisers sky-rocketed by over 42% since the pandemic and based on firsthand encounter I can say for certain their skillsets are topnotch. I've accrued north of 880k within 16-months from an initially stagnant Portfolio.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
‘’Marisa Michelle Litwinsky’’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $ 2m.
Buy and wait for 5 years let's see how it plays out. The question is, would I sell any of my Nvidia shares to buy Palantir? No I would not
I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference
@@itonlytakestime Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.
@@StephenTho42 that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Catherine Gauthier.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Catherine Gauthier too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much
Seems like no matter what people decide to invest in, that compounding really starts to get going around year 20 and every year after. Get your money in early and often!
Early is the keyword !
You are exactly right! Starting early is the biggest factor by far.
Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF.
Can't wait to reach 100k.
Zero debt , zero credit card ever.
Piano teacher
First hit $100k in early 2020, that covid dip really hurt at the time. 4 years later that dip is barely noticeable on the long term chart and we are well over $300k with increased contributions in recent years.
Keep grinding out there! ABB - Always Be Buying!!
I deal with an investment advisor for this reason. I currently have over $70k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons under guidance. Our current project for this year is a more concrete ballpark target this year. Credits to my FA Dianne Sarah Olson.
hello, How can one find a verifiable financial planner? I’ll be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
I'm grateful for this tip. It was easy to find her handler, She seems very proficient and flexible. I looked her up and reached out to her.
SCAM ALERT DO NOT FALL FOR THIS. Scammer is back posting with different accounts. Nobody has a holy grail that they share. Don’t fall for this lie you will lose your money. TOTALLY A SCAM!
Pretty sure you need to calculate in higher withdrawals to keep up with inflation.
60k / year isn't going to cut it in 30 years.
I didn't even start investing until I was 23 and scrounged up my first $1000. Bravo for starting early and being diligent.
Thank you! Hope all is well for you!
Simple. All you need is $100,000 and 30 years. 😊
Could be earlier than 30 years all depending on how much income you need from schd
SCHD is about 4.5% of my current portfolio after making a large purchase after rebalancing early this year. I also buy 1 share/ week and reinvest dividends. I hold in a tax advantaged traditional IRA currently, though i wish i had built out in my Roth.
💪🏼
Bought my first share of this stock from reinvested dividends. Will be getting more once I sell another stock I had for a few years that has given me a gain.
💪🏼
Cant wait to switch my 296k that i am feeding 2k a month into over from vti and vxus into schd when its time.
💪🏼
I’m your average , who actually struggled to make it through bitcoin and I retired when I was 55, here’s how I did it. Find a trader like Christina to handle your trade
Became an investor, so you make twice as much as you trade.
You’re going to work your ass off.
Buy everything for cash.
Put the max in your 401K, so you’re not paying any taxes on that money.
Pay as much as you can on your house payment.
Drive a basic car, when I was working I had a Honda Civic and rode my bicycle to work.
Draw the money from your 401K so you pay no or as little possible in taxes.
I’m 65 now, live in CA and my life is awesome
awesome! I really have a question. For someone with less than $5,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?
As a beginner, what do i need to do? how can i invest, on which platform If you know any please share.
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 i mate Christina i'm rejoicing till now
GREAT NWES!!started working with Christina back in April , and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
She is really a good investment advisor. I was privileged to attend some of her seminars. That is how i started my crypto investment
30 year timeframe? Is that your selling point? What about people in their 40's or 50's?
I’m new to a brokerage account post retirement pension but have 75 shares of SCHD! Rock on!
🤘🏼🤘🏼
@@Marcos_Milla you the man Marcos! Enjoy your commentary!!
@@mitchhaunn8400 thank you my friend !
is it bad to own in a taxable brokerage do to taxes
If you have the option to go with a Roth IRA for example first and max it out but you only do a taxable account. I would say it would be foolish, not bad, to do only a taxable account. Most people max out their Roth IRA for example then invest the rest of their money in a taxable account
@@Marcos_Milla what about those of us who want/need the income/dividends now?
@@JEspo83 you would have to look into ETFs or individual stocks that’s have higher dividend yields. Something like covered call ETFs but that is another topic. If you need the income now then taxable
@@Marcos_Milla So it's foolish to invest more in a taxable account after you maxed-out a roth IRA? What about someone who started late and is aggressively investing more to make up for lost time?
SCHD pays qualified dividends 😊
May want to consider adding IBIT to your portfolio. As the FED continues to dilute and devalue the purchasing power of the dollar.. IBIT will continue to outperform even dividend paying ETFs. To have a real return you have to outperform true inflation. Look at how MSTR has been performing
🫡
I’ve tried investing in various things that didn't work out as I hoped. I'm now considering ETFs as a more reliable option. What are the best 5 ETFs for a rookie investor looking to invest a lump sum? let's say $500,000
JEPQ is my favorite so far. It pays monthly with over a 9% yield and also has stayed fairly level. The down side is that it was incepted in 2022 which means there is not a lot of history. I also like FEPI and SPYT.
Hi Marcos,
What would be your contingency plan if SCHD’s returns significantly underperform?
@@gabygabygaby2 schd only makes up a very very small portion of my portfolio. So honestly hold and buy. The majority of my money is in an S&P 500 index fund, the Nasdaq-100 and growth funds. I am aware of technology stocks beating the market the past decade or so but schd has outperformed the broader market the last 3 months because value stocks seeing a resurgence. I would have to give Schd another 3-5 years before considering contingencies since like I said it is a very minimal holding and I just bought into it a year ago at under $70 per share
Thanks -much, great video!
Yay Marcos uploaded another investing video! Your positive and upbeat attitude in each and everyone of your videos makes investing seem more exciting and easy to understand for audience of different levels! I will definitely start buying more SCHD once I have my ROTH IRA and I wish I hadn’t sold my original 32 shares of SCHD😢😅 since I got caught up with the NVIDIA hype months ago. Anyways keep up the great work Marco!!
The Nvidia hype paid off tho 👀 thank you!
Jepq pays higher dividends than Schd. How you feel about Jepq?
I like JEPQ a lot in the covered call etf category. 4 of my favorite in that category is divo, SPYI, JepI and JEPQ. JEPQ does pay a higher dividend than schd because it generates it from selling call options on the underlying stocks it owns and it has higher volatility. This combines for a high dividend of nearly 10%. (Given the fund is so new in 2 years of inception or so) its hard to project the future growth and returns of the fund since we only have 2-3 years ish of data so I cannot really pinpoint future dividend growth, if the high yield will remain, or if the returns will keep up. With that in mind, a lot of people have a small portion of JEPQ in their portfolio I’ve seen given this or they have more JEPQ if they want dividend income now. In the long long run I think schd will pose greater overall returns from Capital gains a growing dividend given it does not need to sell call options on the stocks it owns. Schd will also be taxed less in a brokerage account than JEPQ given the lack of option income.
Thanks Marcos , it would be a good idea to sell QQQM or a part, let's say 50%, and transfer it to a value ETF like the SCHD. In the QQQM ETF I have a profit of approximately 11%, and have a fund so that when the QQQM drops again put a large amount of money on it? big hug
The best thing you can do in my opinion is just to buy and hold for the long run and not time the highs or lows of a funds performance. For example with me I’m still going to buy all my ETFs no matter what in the next decades, some more than others of course. I don’t plan on selling out unless their is significant underperformance or dividend cuts, etc. big hug as well! QQQM is 100% in a potential volatile time with the us election nearing and the effects of the next potential rate cuts on the economy, so I slightly increase my schd position and have cash on the side to scoop up significant dips like we saw last month
Is it okay to add this to my ROTH IRA portfolio and hold for long term ?
if it fits your goals (preferably for dividend investing, prefer to have dividend income). Usually a dividend value fund like this is unlikely to outperform the S&P 500 over a long period in my opinion but the dividend is almost 3x more with schd over something like VOO.
The issue is getting 100k into an account where I don’t have to pay taxes on the dividends now especially since I’ll be reinvesting. I can only get in about 69k with a mega back door 401kRoth plus 7k in a personal back door Roth🤔
It’s very hard to build up a Roth account instantly versus a taxable account but it’s well worth it in the long run to save tons on taxes 👀
simple path to wealth: SCHD/SCHG 50/50
agreed
@@Marcos_Milla ... with overlap by weight ONLY 1%
I’m a FDVV guy. I like SCHD tho.
@@rigo.garcia🫡
Trading is a global 🌎 poker & chess game that is executed thru a long/short auction system (order flow thru bid/ask). Dynamic profession 💎.
@@andrewereynolds5840 👀
hi!! thank you for this video :) it's very informative! do you think SCHD is better in a Roth IRA account or better in a brokerage account? (in terms of tax, etc)
there's a 7k limit in a Roth.. so is it better to invest more in growth etfs in Roth since we don't get taxed on the growth? or is it better to focus on dividends in Roth IRA?
Schd will be 100% better in a Roth account from a tax perspective. Anything is better in a Roth account since its tax advantaged
Honestly you could do either or. Whatever strategy you do and could stick to is the best strategy in my opinion. Growth or dividends, everyone should always max out their Roth IRA first. I personally would say to focus on more growth if you are younger or have a long time horizon and high risk tolerance
For dividend taxes, are you sent a 1099 at the end of the year? I’m very low risk and this video has me tempted to go all in on SCHD and nothing else..
Yes. Every brokerage will always supply you a 1099 tax form regardless i
@@Marcos_Milla thank you again… love your videos and your feedback…
@@Bur6212 of course!
Deny or supply a 1099? You’ll get a 1099, right?
@@kayc591 ahh typo. Supply
Thanks Milan Lujic!
👀
100,000 in schd will get you $3,400 a year (to start) not $60k. 100k + 30 years maybe 60k/year.
You can get more from a high yield savings...and invest a percent in crypto & trade stocks and retire way sooner.
@@kellygregg3688no
Would you recommend SCHD if you were too old to benefit from the compounding like someone in their mid sixties or would some other etf be more suitable?
@@BruceChavers hmm. Generally if you are in retirement you want some sort of exposure to lower volatility funds like treasury bonds or even more liquid funds like in a money market fund or high yield savings account. I don’t think 100% in schd in your 60s is a smart choice given stocks are more volatile than the other asset classes I said above. But can it be incorporated into a diverse strategy, I would say yes
@@Marcos_Milla Thanks for your insights!
@@BruceChavers of course!
I'm in the same situation with 695 shares of schd in a IRA. However I have about $500k in treasuries, broker CDs, and Schwab Snsxx. Any suggestions where to allocate that chunk of money to generate passive dividend income. At 65 I want to start withdrawing dividends to live off without affecting my principal. BTW I'm 62 so my compounding won't be like a 20 year old even it I buy 5000 shares of SCHD.
@Marcos_Milla So when you get into your late 50's start getting rid of SCHD so that by the time you're in your 60's you don't have any SCHD? I thought that you want to hold SCHD to live off the dividends.
SCHD and SCHG, if only choose one, which one do you recommended and why?
For me it’s schg. I have a long time horizon and it fits perfectly with my growth strategy.
@@Marcos_Milla Thank you!
@@brandonxu1262 Not Marcos, but it depends on your age. How old are you? Why not both? I'm 51 and have both. They're great.
563.4016 shares 🥳
@@lostboi3974 💪🏼💪🏼
SCHD pays qualified dividends. That is the same as long term capitol gains.
You will pay $0 on those dividends all the way up to the first $40,400.
You will pay 15% on anything more than $40,400 all the way up to $445,850.
And you will pay 20% on anything higher than $445,850 🎉
💪🏼
Can you explain it to me like I’m 5
I Mean you need to do this in a ROTH...and you can only do 7k a year investments so like it would take a minimum of 14 years of your own MONEY to reach 100k of course not include stock price rising etc so it would be quicker but still not immediate. I'm doing the same though 1 SCHD stock a week for now. I have 18 and will have 22 by end of the month not including reinvestment of dividends.
💪🏼💪🏼Roth is always a great idea especially with dividend ETFs.
First of all who has $100,000 sitting around... I wouldn't call it a "crush" at the least. You'd be working 20 years + till then. A high yield savings would get you more ytd...invest in crypto & trades is a wiser choice that can reach retirement way, way earlier.
Yeah tell that to the hawk tuah crypto people
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Greenfelder Summit
Marcos... Im 48 and have an pretty decent portfolio. I want to drop 30K into SCHD and just continue to add $1000 every month. Do you think its worth it for a guy my age? If i want to retire in 15 years. Will the compounding take effect? I wont get that 20+ years for it to kick in. Thanks!
I’m 44 & doing the same. I supplement SCHD with VOO, JEPQ, AAPL & MO
DIVB might be an alternative for SCHD
Honestly I think DIVB is as close of an alternative to schd. I’ll do more research on it and then perhaps drop a video about it
Too bullish predictions! 👍🏽😬
@@anthonyh2884 👀
Why would you compare today’s cost of living to what your outcome could be in 30 years?
the dividend growth of schd is outpacing inflation per the video
Yes however 60k with 30 years of a 3 percent inflation rate will be equivalent to about 145k.
I’m just saying that final number is where we should be focusing on replacing rather than the 60k.
I love your videos keep them coming!
Bro cant lie SCHD is my worst performing stock. Loaded up on 250 shares in 2022 and its basically been flat. I think its a great stock, but imo not for our age, I just have the dividends reinvesting, but I haven't added to the position in almost a year.
If Ai bubble pops, we will see a rotation to schd and value stocks. Hence why schd has been running up the past 3 months and outperforming the broader market
Yes it’s been flat but the dividend has been increasing. Plus it’s good time to accumulate shares
@@Marcos_Milla I agree, there will be a rotation, but not because of tech slowing down, because of rates cutting people will need somewhere to park there cash if they are no longer making 5% in money markets. regardless its decent to have in the port, but Charles Schwab as a investment firm has been a dumpster fire these past few months.
@@prophyt605 ehh maybe if you are an old head.
@@Rahmieif your younger it’s good to accumulate early so it can grow faster & compounding
Lol. U made me lol plenty of dividend e.t.f.s with a higher yield. Do a comparison of the top ones and see how they compare.😂😂😂😂
@@rolandosouffrain7957 😗
Didn’t you shit on Schd 1 or 2 months ago? SMH 🤦🏻♂️
i am not victoriya media
Lol he said his account is well ovsr 100k showed a graphic that his account 100,015 dollars really really you actually filmed editing and posted that
@@RobertAshmead-bg2lw 100,0015 at the time was only my brokerage and Roth IRA on Vanguard. At the time there should have been around 11k in a 401k so around 114k invested. Currently my portfolio is sitting at around 129k
Bro you poor
@@Detonator007 makes the two of us😚
😂🎉
Most 23 year olds can’t even get a job, this guy has 100k invested 😂 good job
oh😭 ahaha thank you!
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Your allocation looks solid. Consider dollar-cost averaging & dividend reinvestment. I suggest you consult with a financial advisor for guidance.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q1 2025.
@@PatrickLloyd- Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
Sophie Lynn Carrabus is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.