JEPI vs SCHD - High Yield or Dividend Growth ETF
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- Опубликовано: 19 сен 2024
- Let me know your favorite in the comments!
If you had the chance to invest between a high-yield ETF or a Dividend Growth ETF, which one would you pick? I've been asked to compare JEPI and SCHD many times, and today is the day! Here's their strategy, a quick overview, sector, stock diversification, performance, and a summary of the pros and cons for each. At the end of this video, I'll tell you the good reasons why I don't have them in my portfolio.
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SCHD 60% and JEPI 40%. Good growth over time and very nice income for retirees. I don't need to shoot for the moon. I just want a happy retirement and this portfolio gives it to me.
Great video as always but wanted to point out that SCHD has reconstituted in March 2023 and IBM has been removed from its holdings, amongst other changes it has made. The top 10 is no longer what is shown in this video
Fair point! That's the beauty of the financial world! it keeps evolving and it does it quickly :-) One more thing to consider when you invest in an ETF, the top 10 holdings will change overtime.
Why the removal of ibm and other top holdings ?
Great analysis. DIVO is another ETF that is often compared in the mix. I also use these ETF for my USD investments in my RRSP as I don't have the time and expertise to analyze the US market as you do. This allows me to focus on my Canadian dividend growers. Thank you again for the great video!
That's a good way to get exposure to the US market without taking on too much risk :-)
Merci d'avoir fait la comparaison. Sur le marché Canadien, j'investi dans les actions individuelles mais du coté U.S. je suis mixte FNB et action.
I own both of these in my ROTH as a complement to my growth investments. I like the idea of having some tax free income during retirement.
I suppose it comes down to a certain level of payout now, vs a smaller payout & a potential gain later, and maybe a blend of both is the way to go. I don't see why a 30 yr old would buy JEPI, as he is in the accumulation stage, but I do see why a 70 yr old would. Personally I prefer DIVO over JEPI anyway
At 70, I will prefer to sell some shares and create my own distribution instead of investing in a "done for you" product that will sacrifice a lot of total return to generate that yield.
@@DividendGuy Unless you have to sell shares when the market is down 25% then it stings. Might make for an interesting video, comparing monthly JEPI dividends paid out over a fixed period to selling off the comparable number of shares to achieve that dividend amount each month. Im sure you already have it worked out in your mind 😂
@@DividendGuyWhy cut into your principal when you can just live off of the dividends provided you have enough invested…SCHD & JEPI as a combo provides dividend growth, high yield & capital appreciation. No need to sell off. At 70, investing should be made simple so you can spend more time enjoying life instead of constant management.
@@kevingipson5356 Receiving distributions from JEPI is the same as cutting into the principal. The adjusted close price of JEPI on ex-dividend is always close price - distribution. It's no different from selling shares.
@@HamiltonRb If the market is down 25%, and JEPI issues a distribution, that distribution hurts the principal (NAV) of the fund. This affects JEPI's ability to sustain the same/similar distribution going forward. Issuing a distribution when the market is down 25% is no different from selling shares at the bottom.
I like that SCHD tracks the DOW, giving it a momentum aspect and I don't have to follow it too close.
It's definitely a good way to get instant diversification.
@@DividendGuy MIke, I'd like to see you create an etf ! I'd definitely buy some.
I'm investing in both🤷♂️
With economy is as shit as it is now and probably to another 2 years, JEPI not bad now, unless you want to see your SCHD do nothing for the next 2 years during this recession.
I don't know about you, but my portfolio is up double-digit in 2023. I guess it's not that of a shit market after all :-)
Review the stocks in Birkshire?
I own both but I own a lot more SCHD, I have lost a lot of capital with JEPI so far even though I drip the dividends.
Depends on your goals and needs. Immediate income, JEPI. Long time horizon, SCHD.
But why would you not be able to take the same income from SCHD? You simply have to sell a few shares. It comes down to the same thing. Technically, JEPI is not generating its yield 100% from dividend either.
@@DividendGuy because selling SCHD shares you are in effect spending your savings and forgoing any future gains instead at harvesting a growing asset’s div.
Which brokerage do you have your LIRA account? NBDB has no trading fees, but charges $50 for each withdrawal.
All my brokerage accounts are with National Bank Direct Brokerage but at 41, I don't have to worry about the withdrawals just yet :-)
What do you think about buying DGRO over SCHD ?
They look pretty similar for 5 years and 10 year returns. I could say I prefer DGRO top 10 (notably AAPL, HD, Microsoft JNJ, Abbvie, PG...). But I still prefer to pick my own stocks :-)
@@DividendGuy Thank you 😊
Have JEPI, JEPQ, BST, SVOL and just added TSLY with a 51 percent div each month, follows Tesla stock. SCHD is to low of div for me and i hate quarterly div.
Can you compare it to the dogs of the dow?
Schd yield on cost ran over 10% in 10 years.
Jepi & jepq is too new to really put a gauge on 5 and 10 year total returns.
You are right, I wish we had more data. But I'm confident the conclusion will be the same in 10 years
Jedi vs Sith
this is the way
Hey, How does HDV compare to SCHD ?
SCHD is a clear winner from a total return perspective for both 5 year and 10 year periods.
SCHD reshuffled their stock list.
Unfortunately, I recorded the video last month. But it's not the last time SCHD will reshuffle its portfolio going forward ;-)
:30 SCHD
neither
Can’t trust this video when you say the ETF wrong in the video.
Really? I had no problem understanding it.
Yeah you're right, the fact I can speak and write in two languages (French is my mother tongue) is a sign you can't trust what I say when I sometimes have a hard time pronouncing a word. Totally makes sense.
Tomato, tomato...well, look at that, they are spelled the same. Ha!