How To Build $100,000 Dividend Portfolio With 2 ETFs And 5 Individual Picks
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- Опубликовано: 20 сен 2024
- How To Build $100,000 Dividend Portfolio With 2 ETFs And 5 Individual Picks
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#DividendGrowthInvesting
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I think the under appreciated aspect of SCHD's div cagr is that they don't need to choose companies that grow their dividends, they can choose companies with higher rates when they restructure annually. I've never heard anyone discus this feature of SCHD.
very good point!
Got SCHD, DGRO, VOO, VGT for etf’s and my individual stocks in my portfolio 😎
all great in their own way!
My strategy. Schd as my core. Schd does most of the hard work for me. I like that it excludes reits and bdc's. So I do 33% schd and 64% reits and bdc's.
Nnn, maa, ess, wpc, o, exr, amt, arcc, main.
That is a high dividend portfolio. Do you plan to live off your portfolio soon?
@DividendGrowthInvesting na. I got 21 years
But I like the idea of a dividend etf and 2 types of stocks that rules that make them pay dividends.
High dividend growth stocks are great sure, but any moment they can decide to slow the growth or cut the dividend or more.
@@VictorSanchezVS13Be careful with so many Reits when it comes to taxes, especially when you have over 20 years.
@@vitaliygoldin5423 all are in a roth
@@VictorSanchezVS13 that’s good
Merica.
Will smith the like button.
My goal is 25% SCHD, DGRO each. 8% VICI, O, JEPI, JEPQ each. 2-4% LTC, MAIN, GLAD, OBDC, ARCC, STAG, NLY, MO, BTI each.
lol appreciate it!!! Great strategy!
Simple path to wealth: 40%/40% SCHD/DGRO, 10%/10% FTEC/QQQM
sweet and simple!!
it depends on the age of the investor. For mid 20s to 30s, 50% SPY, 25% QQQM, 15% SCHD and 10% IWM
@@kurniawanms2 VOO and VB, instead of SPY and IWM
Agree with the picks my percentage would a little different I would probably do 25% each
@@kurniawanms2no disagreement with your point/approach, but would just add that it depends not only on age, but also on when you’d like to live off dividends, if that is indeed the goal, as well as growth rate needed to reach future required asset base. For example, a 20 year old with a desire to retire early, say 50, could benefit with a higher weight towards growth etfs. But if the current base is already strong, that may not be necessary. Lots of variables at play!
I listen to your videos when i walk the dog, you're making me walk longer and longer 😅
Lolol not all heroes wear capes 🤷🏼♂️
40% Voo, 30% Qqq, 10% Cost, 10% Gww, 10% Nvda for now. It is riskier but I’m looking to add 2 more individual stocks to spread out the risk and reduce the satelite positions to 5% each. holding for at least another 10 years and then rebalance into highier yield like Jepq, Jepi, Vici.
10% in NVDA and COST is a bit much, but great ETFs!
@@DividendGrowthInvesting i am working on bringing the individual positions to around 5%, I really like your approach of not holding more than that in any individual stocks. Safer in the long run.
I like the pokemon reference …. Too relatable .
lol yeah :)
I really appreciate you doing these videos and your channel.
Glad you like them!
Love to see the recent growth of your channel. So well deserved and way overdue. 🎉
Thank you so much!!!
I'm not a fan of using "fund overlap" for funds that regularly change their constitution. SCHD changes annually, so what happens if you leave out a company you believe in because SCHD holds it but removes it next March? Imagine this was why you didn't invest in AVGO a year ago.
true
36% SCHD, 36% DGRO with the rest satellite for Dividend portfolio
22% VOO, 22% QQQM, 20% VGT, 20% SCHD, 5% VBR, 5% VWO, 3% PLTR, 2% TSLA, 1% BABA for ROTH IRA 😃
look at you!!!!! Now that is a core and satellite portfolio!!!
ThanX Jake... Enjoy your channel.... I have a basic philosophy but hold more ETF's and more individuals.... Keep percentages of 2%-3% for individuals.... Major ETF's are SCHD, DGRO (which smokes HDV), VOO as well as some tech ETF's like VGT, SMH, XLK & QQQM... All is good.. .Keep up the great work. Very thought provoking and educational. Appreciate your hard work.
Hey!!! Great to hear other people out there have a similar approach!! Glad to hear you like the channel!! Thanks for watching!!
Jake!! Hey, If you happen to come across any websites that can breakdown multiple ETFs so you can see how much of each company you own, PLEASE REMEMBER THIS COMMENT and let me know! I bet the author of this article took the time, nerded out, and did it himself. I’ve actually been looking for that exact kind of thing but can’t find any websites that do it. I also feel like I can’t find the right words to put in a google search to have the results reflect what I’m actually looking for. 😂 I’d use a paid service if I could find one. Plenty of overlap tools out there but nothing quite like this that I’ve found.
Hey!!!! I responded to your other comment. Yeah I will take a look at this and let you know. I'm curious if there is a site out there that does this. Thanks, Mike!!
I agree with your AAPL thoughts in this portfolio and the payout ratio aspect of REITs, but it's very possible he used the FFO payout ratio and just assumed that would be understood for a REIT.
ya probably. Thanks for watching!!
I agree that DGRO would be better than HDV so you'd get more technology exposure. That said, then the additional AAPL position would need to get adjusted.
Yeah DGRO gives you a lot more market exposure
HDV might be better for this upcoming presidency
@@Mr.Switchy ya possible
know anything about ETFs in canada that you think can do the same thing?
I don't. I'm not as familiar with Canada specific ETFs.
Swapping a REIT for a staple like PM or PG seems more rounded.
That would lower the dividend growth rate. He was trying to find the right balance of dividend growth and yield. You could exchange them all out with different stocks. The key is getting the desired weighted avwrages
Thoughts on core as SCHD + VGT? VGT to be sold and reallocated once in the income phase of my life (in 8-10 years) hopefully…
I like it but I would consider a few things.
1. Include DGRO with SCHD because they are really better together
2. I would include another growth ETF with VGT because VGT is very much a boom or bust and you could get very lucky or unlucky in the year you go to sell. I like VGT, VUG, SCHG, SPYG, and VTI for growth ETFs to then sell and rebalance in the future.
3. I would consider a similar approach like a "target date fund" where you rebalance a portion each year 1-3 years before you plan on fully retiring.
Food for thought :)
VGT is too top heavy in Apple and Microsoft. Look at QQQM or SCHG for growth ETF's.
@@DividendGrowthInvesting Interesting. Thanks for input. I should’ve given a preface that I have a TSP ROTH IRA in C fund (SP500). And my taxable portfolio is:
35/35 SCHD/VTG
4-4.8%: MCD, ABBV, PEP, O, MO, JEPQ, QQQI.
I know exactly what you mean by boom or bust with VTG, I really like HDV & DHS, but haven’t figured out how to factor them in just yet.
Ok so I like DGRO + SCHD that’s the core!
And my growth satellites are WM, ADP,UPS! And I’ll steal a page out of your book for yield and contribute to tobacco companies!
Can you recommend some more growth satellites for me please since yields are really easy to find with CEF’s and BDC’s thanks again for all your help Jake!
Hey!!! I really like growth ETF satellites like VGT, SPYG, VUG, and SCHG. This is a great way to spread out your risk and have more flexibility when looking to rebalance in the future.
@@DividendGrowthInvestingok so maybe I’ll drop the individual growth satellites and free up some space! Then replace them with the growth etfs.
And my satellites will be yield like main or arcc or bti?
I have 20 years soo there is plenty of time here I just feel that’s a whole lotta ETFS with SCHD dgro but hey maybe that’s okay for now !
The faster it grows, the happier I am.
Wait, what were we talking about?
Oh yeah, a high CAGR is nice.
lol :)
Hey Jake, long time!
I'm schd dgro as core, you said you would pick other options instead of Mastercard and apple but you never mentioned some options. I don't have seeking alpha and I would love to hear your thoughts on dividend growth options. Thanks in advance
For growth try WM, ADP
hey!! omg long time no see is right! When it comes to dividend growth stocks for satellite positions, like I like stocks that yield +2%. A few that I like are LOW, UNP and WM (though its below 2%). Companies that grow their dividend around 10% a year is a good place to look.
I have 47% in VTI, 47% in SCHD, and the other 6% are in some individual dividend stocks 😂😂
I don't see anyone talking about VTI, did I mess up by investing so much in it???
Also should I find something else to throw money in? 94% in only 2 things seems crazy
My Majority of investment is in VTI. Love it.
I really like VTI. VTI is great for total returns. You wouldn't plan on living off the dividend from VTI. You could look to sell VTI in the future and buy higher dividend stocks/ETFs. 94% is spread across some of the best companies in the world. Understand you own a small piece of America when you own VTI and SCHD.
By what are the averages weighted? Position size? Volatility(risk)?
In this case I am referring to weighted average relative to your portfolio allocation. For example, what % of your overall portfolio is in what stock/ETF and based on the weighted average of your overall portfolio, what is the yield and dividend growth rate.
@@DividendGrowthInvesting Excellent, that makes sense. I understand the math for that, but I bet a lot of people do not. Might be worth a video, but that seems like a hard video to do, and math tends to turn off viewers. 🥺
@@Sylvan_dB ya.. :/
Love two videos a week. How about 100 hi, btw
haha 100 a week would be insane! Thanks for watching!!
@DividendGrowthInvesting I know lol
@@Eli390 :D
How about writing your own interpretation of the topic as a paper for Seeking Alpha: "The Simple Path to Wealth With Dividend Investing" by Jake/DGI? I really like your content. Best regards from Germany.
Yeah I've thought about it and considering it. Appreciate you watching! VG aus Utah!
I'm curious about your thoughts on QQQM?
I like it. Great growth ETF to invest in for 5+ years and then sell out of to buy high dividend stocks or buy a house etc. Nothing that I would want to sell a % each year and life off of.
I’m not sure I see this portfolio as compelling. A 100% SCHD portfolio (so far) has had higher dividend yield, faster dividend growth, and greater capital appreciation. Why would you want a portfolio that does worse than SCHD?
SCHD only has 7% overlap with the total US stock market. DGRO gives you more exposure to the US stock market and more growth potential. You would want to consider combining something with SCHD which meets your specific goals.
Agreed. DGRO definitely adds more capital appreciation than HDV.
Schd - Vym - Dgro and Schy/ or Vymi
@@SavageMontana98 simple but yet so effective!
@DividendGrowthInvesting yessir love the channel brother
Let’s fucking go boys 2 videos a week!
Hahaha!! 🙌🙌🙌
AAPL is not a dividend yield or dividend growth stock. It's a good stock to own, just not for either dividend goal.
Yeah it is great for total returns though. I think AAPL will perform on average in line with the SP500 in terms of total returns.
They do really large share buybacks and are efficient enough with their capital to be able to return massive amounts of cash and continue to reinvest into themselves. It has every trait of a great dividend growth stock but has a high valuation
@@quoddie great point
Please STOP reading all the text on the screen...most of us can read; just emphasize the most important points!
fair feedback. I read it also for people who are just listening passively and maybe not looking at the screen.
@@DividendGrowthInvestingTrue. I sometimes shower and listen to your videos in the background. Others can always fast forward and move passed it.
Agreed, I am usually listening at the gym or in the car so I am not usually watching the screen
I’m listening on my phone whilst walking so don’t see the screen
I just did my dishes while listening so I appreciate you reading things as I'm not looking at my phone.