Either approach is fine over the long term, most important thing is to get started and build your income over time to continue compounding as time goes on. I did put in 85 grand months back, well diverse, now it's value three hundred k and increasing.
I have both and love both (although I've neglected SCHD lately). I also like VIG, and VNQ even though the REIT situation is still ugly due to interest rates. I use both VOO and SCHD as the heart of my ETF portfolio. Both are great! Thanks for the info JP!
Nice picks all around and I agree with the REITs stuff being good due to Interest rates. Glad you also own VOO and SCHD and thanks for the support my friend!
I have my brokerage account where I have multiple dividend holdings and then my ROTH IRA is completely VOO,VIG, and SCHD! Curious to see where they’re both at in 10 years
Right there with you! What’s your weighting on the positions? For me VOO 30%, VIG 20%, SCHD 20%, and 30% individual stocks Trying to keep building up the ETFs until they’re 85-90% of the portfolio
@@JP_Dividendsyou are the one to be thanked. Such eye opening video. I mean your excel file. It is very useful tool to have handy for scenario analysis and I believe that it would make a nice video a complete guide to build it. Just my opinion..
Noob here. I'm literally at the start of all this. Why would I want these over QQQI as a brand new investor living off a Wage? My Plan is to get this pumping out $100 monthly and then move to SCHD or VOO since that Dividend would be about a share of each(Plus deposit Split). Is this Good or should I just go Straight to SCHD or VOO? Retirement seems unlikely but I want to get to at least be able to slow down if I need to in the future(I'm 20+ years away from retirement). Basically, I want to start out using QQQi as Fuel before I branch out to Quarterly dividend holdings or whatever. Does it make sense?
Tbh I dont see a reason to invest into SCHD unless its defensive or dividends. Ill rather dump into a high growth ETF. Then rollver into SCHD when close to the finish line. But thats just my take.
@@mikewill1740 and I get that! I just think a lot of people believe that tech will dominate forever in growth etf’s and I don’t think that’ll be the case. A lot of investors have started over the past 10 years and have never seen something like the dot com bubble or the lost decade. Whatever works best though is what matters as long as you understand the risk!
@@JP_Dividends Tech is what we live in today. Times change just like the market. Recall when Chevron and Cisco was pushing the SP500? 10-15 years later it will be something different. And I'll be investing in it.
@@mikewill1740 if tech rotates out as long as the growth etf tracks the next big thing then you’re good. This is coming from someone with over 25% of my portfolio in tech.
Thank you so much for the info! I just wanted to tell you that you do have an audience outside of the US such as me. Unfortunately I reside in a country where I’m subject to 30% withholding tax on dividends received from US domicile ETFs and stocks. Hope you do a video for your non US viewers that would help alot! Thanks 🙏
Thanks so much for the support! I can definitely do a video about that but will need to take some time to research. Which country are you in if you don’t mind me asking? I only ask cause I know every country has different laws/rules around US stocks and taxes. Thanks again for the support!
@@JP_Dividends I live In UAE (Dubai). We don’t have to research our regulations as we follow mostly the European regulations. So we looking on UCITS (Ireland domiciled ETF). This kind of the ETF are not subject to withholding tax from the source like the 30% from the US. Schd is still good after the 30% but looking if there any other options. :) thanks JP
As someone in their 40s just starting out in 3 fund portfolio ( have 401k from work). I'm looking at SCHD, VOO, XLK or SCHG.
Awesome picks! I like VOO and SCHD equally!
VOO, VIG, VGT
@@Duxbury-o8dthanks! Actually is it sensible to have both?
Either approach is fine over the long term, most important thing is to get started and build your income over time to continue compounding as time goes on. I did put in 85 grand months back, well diverse, now it's value three hundred k and increasing.
I feel pretty bad for not understanding how this works, I've a double major in economic but I struggle to get this right. kudos!
I buy at least 1 share of SCHD and VTI every week.
Great move!
Nice! SCHD, VTI and SCHG here.
50% SCHG for growth
20%DGRO for dividend growth
20% SCHD for Dividends
2.5% VEA 2.5% VWO for international exposure
And 5% REITS
Great picks! I like that breakdown you have and its still simple.
Like a similar approach with SCHG (or VUG) and SCHD. Start with a split weighted towards growth and increase SCHD as you get closer to retirement.
@@pal8h that’s the plan, every year I take 1% away from SCHG and add it to SCHD.
I have both and love both (although I've neglected SCHD lately). I also like VIG, and VNQ even though the REIT situation is still ugly due to interest rates. I use both VOO and SCHD as the heart of my ETF portfolio. Both are great! Thanks for the info JP!
Nice picks all around and I agree with the REITs stuff being good due to Interest rates. Glad you also own VOO and SCHD and thanks for the support my friend!
I will do this when i retire. Right now i am a growth guy. QQQ, VGT or SMH for now.
Good call! Great ETF’s
40%SCHD 40%DGRO 15%DGRW 5%NTDOY (Because I wanted a fun stock at least)
Nice great picks all around!
SPLG, SCHG, SCHD
Nice😎🫡
I have my brokerage account where I have multiple dividend holdings and then my ROTH IRA is completely VOO,VIG, and SCHD! Curious to see where they’re both at in 10 years
Solid picks! Gonna be cool to see where they go over the next decade especially if you stay investing consistently.
Right there with you! What’s your weighting on the positions?
For me VOO 30%, VIG 20%, SCHD 20%, and 30% individual stocks
Trying to keep building up the ETFs until they’re 85-90% of the portfolio
Neat!!! A tutorial showing howto build the calculator would be very interesting too...
Thanks! And if you’re referencing the ETF overlap calculator here is the link!
www.etfrc.com/funds/overlap.php
@@JP_Dividendsyou are the one to be thanked. Such eye opening video. I mean your excel file. It is very useful tool to have handy for scenario analysis and I believe that it would make a nice video a complete guide to build it. Just my opinion..
@@vangelisrodis2977 oh yeah I can definitely do that no problem. I can probably just sent it to you. Thanks!
Noob here. I'm literally at the start of all this. Why would I want these over QQQI as a brand new investor living off a Wage? My Plan is to get this pumping out $100 monthly and then move to SCHD or VOO since that Dividend would be about a share of each(Plus deposit Split). Is this Good or should I just go Straight to SCHD or VOO? Retirement seems unlikely but I want to get to at least be able to slow down if I need to in the future(I'm 20+ years away from retirement). Basically, I want to start out using QQQi as Fuel before I branch out to Quarterly dividend holdings or whatever. Does it make sense?
I have schd/dgro/voo(smaller amount)..
Great picks! I’ve considered adding DGRO and still am.
What do you think of SCHD, VTI, and VXUS. Is it give or take the same thing?
Yep pretty much! VTI/VOO have had very similar returns and VXUS is the international ETF right? All 3 should be great for diversification!
This is very smart!
Agreed!👍
SCHD and XLK 4 me
Nice!🫡
Would the same numbers work for SCHD and SPLG?
Yes, any SP500 ETF/fund.
@@BlackODSTArmor Yep 100% any low cost S&P500 ETF is perfect👍
I’m about 50% SCHB, 25% SCHD , 25% SCHG
Swppx instead of schb??
@@masoncncthought about going with SWPPX, but decided to stay with the ETFS.
Great picks!
Tbh I dont see a reason to invest into SCHD unless its defensive or dividends. Ill rather dump into a high growth ETF. Then rollver into SCHD when close to the finish line. But thats just my take.
@@mikewill1740 and I get that! I just think a lot of people believe that tech will dominate forever in growth etf’s and I don’t think that’ll be the case. A lot of investors have started over the past 10 years and have never seen something like the dot com bubble or the lost decade. Whatever works best though is what matters as long as you understand the risk!
@@JP_Dividends Tech is what we live in today. Times change just like the market. Recall when Chevron and Cisco was pushing the SP500? 10-15 years later it will be something different. And I'll be investing in it.
@@mikewill1740 if tech rotates out as long as the growth etf tracks the next big thing then you’re good. This is coming from someone with over 25% of my portfolio in tech.
40% voo
20% SCHG
20% XLK
10% SCHD
10% DGRO
Ps, all in a Roth; when growth phase slows, dividends will go up using growth sales
Great breakdown! Pretty solid ETF’s all around.
@@JP_Dividends thanks, great video!
great video !
Thanks!
Thank you so much for the info!
I just wanted to tell you that you do have an audience outside of the US such as me.
Unfortunately I reside in a country where I’m subject to 30% withholding tax on dividends received from US domicile ETFs and stocks.
Hope you do a video for your non US viewers that would help alot!
Thanks 🙏
Thanks so much for the support! I can definitely do a video about that but will need to take some time to research. Which country are you in if you don’t mind me asking? I only ask cause I know every country has different laws/rules around US stocks and taxes. Thanks again for the support!
@@JP_Dividends I live In UAE (Dubai).
We don’t have to research our regulations as we follow mostly the European regulations.
So we looking on UCITS (Ireland domiciled ETF). This kind of the ETF are not subject to withholding tax from the source like the 30% from the US.
Schd is still good after the 30% but looking if there any other options. :)
thanks JP
And my English isn’t the best thing as it’s my third language. Sorry 🙏
Subscribeb!
Thank you!
Great video 👌
Thanks!
Does voo and qqqm have any overlap
Yes there is an overlap. Not terrible, but over 10%