I currently have 75% SCHD and 25% SCHG Roth IRA. Brokerage account is SCHD, VGT, VUG, alongside some individual stocks! Just passed 500K from an initial 75K startup in 2022. I am 43 and I plan on working until 50 hope to be at ~$1M soon enough.
I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
Nice. I'm doing some research on VUG & SCHD now, seems like very solid choices. Congrats on nearing retirement. 7 years will fly.....unless of course you hate your job lol....
Love my job. Over 25 years as a mechanic for a Major Airline. Great company. Just wish I knew about the financial markets years ago. But still with a good CFA I am doing great. It's a nice hands-off way to approach it. Glen Howard Chester manages my funds, he is a hot topic even among financial elitist in NY, with an aum of over 500m usd. and he has a great team. I conservatively follow his recommendations and market entry and exit points, and tbh this system makes investing fairly simple for me
My fiancee has QQQM and XLK (similar performance in comparison to VGT) in her DGI portfolio and she has been really happy with the performance! I think VGT, SPYG or SCHG, VTI, XLK, and QQQM (or QQQ) are amazing for long term growth and performance!
Ok dude I’m going all in. I just invested $110k into SCHD. Wife and I planned to invest all of my income into SCHD $100K/per year and just live off of hers. We hope to retire in 10 years and live off the dividends. This will either be the dumbest decision ever or if you’re right we’re gonna be living well in Thailand. I’ll check back in 10 years.
I wish they taught investing at school level. There is so much advantage to doing this! My biggest regret is that I started so late. And still not good at it, I think at this point i need help
I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.
@@ClemonSteve It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging
@@EbrahamAljalil luck plays a part, especially in the short term. I noticed that when results remain consistent, it indicates something more than just luck. research was the challenge until It led to Julie Ann Lerch, a fund manager. her strategy made sense, it contributed to growing 950k into this and counting
@@ClemonSteve I looked for the name online and found her page.I will get in touch with her,Thanks for the help I emailed and made inquiries. Thanks for the help
Great question. I thought about the same. The reason probably why they don't teach it is because investing is like... Gambling. They don't want to be responsible for any actions that lead you to it. So investing is more of a personal preference and you have to seek it out on your own at your own free will. So anything that does happen, you can't blame anyone.
Just want to say, thanks again for making this video. I rebalanced my two IRA portfolios, sold all of my index 2050 target date fund (which i didnt like for over a year after learning more about investing after i started), and put it all into SCHD. Now, I have a total of 655 shares, at almost $50k. I'll aim to get to $100K (if not more) by next year on my SEP and Traditional IRAs. For reference, I will be 38 in August, and retirement age would be 65. That's 27 years of compounding and DRIP. I feel accomplished!
@@kingknowssbest I started this year so, with almost $50k invested so far about $2100 per year. That money will be reinvested every year until my retirement age.
I started my 100k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is up! and VUG is doing even better. This year, I've tried to add some more assets but unfortunately facing a decline.
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.
I have stocked my daughter's account with this pick. She’s 10 and we make small donations every two weeks. 2600$ a year. It’s all we can afford right now. We also take all our extra funds for the month and add it to our own account of SCHD.
We have a six figure income and live paycheck to paycheck.....because we invest 48% of our income per year. We invest first and then adjust our lifestyle to live on the remainder. Helps that we have been 100% debt free including the house since 2015. We have SCHD as part of our portfolio already and keep adding to it.
I turn 55 next month and it looks like we will be able to retire at the end of next year when still 56. We have SCHD in our "gap" fund to carry us from 56 to 59.5 when we can access our retirement accounts. I see people all the time buying the latest "whatever" but we are glad we are debt free, have been investing for 30 years and can retire early and enjoy ourselves rather than spending on "stuff". We have good reliable cars, not flashy cars, that are paid for, three properties that are paid for and we have nice things but we just prioritize investing over having the latest or greatest.
I'm retired now at 57 years old. My 4 largest holdings in order are JEPI, SCHD, JEPQ & DIVO. The March dividend for JEPx will be $8,300, which will all be invested into SCHD. I will continue to reinvest dividends until I need them.
@@mariex800 Personally I have sampled both channels and Professor G is on another level with the instruction, methods, and stock picks. Mommytradertube recommends a few risky brokerages/stocks that invites unnecessary risk if something happens globally (i.e., Webull is owned by Communist China, and operates out of New York and Texas). I like her enthusiasm as a mom, and wish her luck, but she's not a professor! 😉
@@svickz good stuff man! I have only done the minimum’s into a Roth IRA for the last four or five years, but this is the first year that I’m going to start investing into an individual brokerage as well, so my hope is to hit 100 K in the near future. Halfway there.
Thank you for your videos great information. I have the money to put in SCHD, but my question is should I put in my brokerage account because in my Roth I have VGT, VOO and VTI. Should I DCA or buy just one time. Your help is greatly appreciated.
5:13 here you show SCHD priced at $76.21. At this moment, it's $28.20 and I don't see where SCHD was ever priced that high in the last 5 years. Am I missing something?
I have already built 1532 shares of SCHD (110KUSD) and just got 1050 USD dividends which were automatically reinvested for compounding interest purpose. The snowball is just taking shape….
The only budget method that works for me is sooo outdated 😂. I withdraw a fixed amount at every paycheck and split into different envelopes for groceries, gas, entertainment. The rest is automatically transferred in a fixed expenses and sinking fund (rent, hydro, car maintenance, doggies, clothing, etc), and two investment accounts.
Today I sold some of my tsla shares and bought 100k into schd and another 100k into Voo. Will hold next 20 years and still have my core tsla shares for next 20 years as well. Feels good to diversify/
Not sure about your audience location, but for all the folks outside the US, it may be worth mentioning that dividend payouts are taxed 30% for US-based ETFs, but there are many Ireland-based US ETFs such as CSPX to track the SP500, which are only taxed at 15%. Maybe worth a video explaining differences between US resident and non-US residents? :)
Hi, I’m new with this.. whenever I see the market history of SCHD, I see that its highest value was $29.69, but in this video and your comment, you guys are mentioning 79.5 as its value. How is this possible?
Historical data suggests that over the long term, the stock market has produced an average annualized return of around 7-10%. Assuming an average annualized return of 8%, it would take approximately 21 years for a $100,000 investment in $SCHD to grow to $1 million through reinvestment of dividends and compounding.
If you have $100,000 on hand to invest that’s true. For the rest of us in reality it will take about 10 years of hard work to save the principal before that 21 year clock starts. At $880 a month invested for 30 years you’ll have your million. By then a million dollars will be worth $400,000 due to inflation. This video is nonsense.
I don't believe for a minute that SCHD can maintain the overall return or the dividend growth rate that it has had for the past ten years. That said, it is still my largest holding because I believe companies that pay dividends will outperform companies that don't, and I believe the SCHD portfolio managers, following their methodology, can pick stocks better than I can.
So if one has $100k, just buy approximately 1417 shares of SCHD and watch it grow overtime 10, 20, 30-years? Is it best to buy through Schwab or Fidelity?
Thank you for the info! My husband earned 500-700K W2 a year, we should only buy SCHD in our Roth IRA account, right? We just sold our second house so now we got more money need to jump in to the market. Since we filled up 401K, back door Roth IRA every year, the only way i can think of is to put those money to some EFT like VOO, QQQM that wont give us more money soon, and we can sell them until we retired and need them cash out eventually. We are still in 30s, my husband don’t want to retire any soon, and we live a simple life, kids go to public charter school, i drive 6y Mazda SUV and my husband has Nissan Leaf.
Interesting video. At 2:40 though you start muddling total return with the current yield, which skews things. The current yield only exists at the very moment you purchase the shares. You would have to know the actual share count, and dividend amount, at any given time to come up with a yield. Even then you wouldn't be able to calculate it because as the dividends re-invested they bought shares at different prices and dividend amounts. Fun video though.
Well Professor G I am betting you are right I move an IRA from Emower to another broker and bought 2000 shares of SCHD. Now I know that SCHD will pay a .5962 dividend on the 29th of march I will add another 16 shares hoping I can build a retirement nest egg for my wife. I will also be adding $7500 a year in SCHD in a Roth IRA for her. I also save .89 percent of management fees by doing this. Thanks for your channel
Since watching this video, I now have $14k on SCHD on my Traditional and SEP IRAs. Might even rebalance my portfolio to get it closer to 100K. Thanks again, Prof G.
Sold all my VOO and bought all SCHD (at a gain). Maxing out my Roth w SCHD annually and my brokerage account. I didn't want to have to sell VOO later on down the line. I prefer to live off the dividend yield.
A little over 15% of my Roth goes into this ETF. The only issue I have is I can’t automatically buy an ETF through Fidelity so every month I have to go in and put in my purchase order.
All those projections you mentioned all assume the past 10 years growth rate, so it could severely underperform your projections.. thanks for the video
SCHD is not my largest position but in my top 5 largest positions currently for all of my accounts. Currently at 385 shares and slowly working towards my 400 total to hold at. If I had a more lucrative career I’d have larger positions but I work with the small time fire life peanuts that I earn.
This sounds like a great etf and I’m seriously starting to invest heavily to hopefully reach a good monthly dividend. Also, I’m feeling your new three fund portfolio. I watched that video several times because I can relate to the 10 year portfolio. Keep up the great content
I was just plugging away numbers into a dividend calculator with SCHD and really can say I liked what I saw, but VTI I think will remain my fund of choice for growth and where I see the future heading up up and away!
While I like dividend stocks, and SCHD, I find dividend investors have this dogmatic belief that SCHD is infallible. There is risk. The stock may tank. They may cut dividends. It may never recover. It's a good investment, but let's not treat it as a 100% safe and guaranteed place to park your money forever and bet your life on it.
Can't disagree, only if all the companies fell off the cliff all at once. If one company fell off the cliff per say, it will get replace and will affect you some quarter once the ETFs get rebalance again.... Sort of changing your flat tire and affect you in a short time.
I wouldn't do it. Stick with the 3 Fund. It's diversified much better. Add some SCHD if you want but don't make it your primary. Also, SCHD is tax inefficient so best to put it in a Roth IRA.
I suggest it in my new and much better 3 fund portfolio. Check out this vid: Using the NEW (better) 3 ETF Portfolio to get VERY RICH ruclips.net/video/2K9BbRVOioE/видео.html
@@NolanGouveia thanks professor. What's yr take on all these individuals & so called companies wanting to " teach " you how to make $$( tuition not included!) I've been getting a plethora of solicitations from One Percent & Fx Traders& AI bots( w 3 algorithms) ---it's driving me crazy & it feels like used car sales. Please advise( hypothetically of course) Thank you as always!
@@NolanGouveia -thanks----in my perfect world ---YOU ProfessorG ---would be my one on one advisor---not a fly by night company I don't really trust. I know you have that group----do you in fact job out to individuals? I image yr time is @ a premium. (?) virtuoso 959 g ect.....
Hello Professor I noticed that you also have a video on investing $100,000 in VOO. If someone only has 100,000 to invest in and can only make one selection SCHD or VOO which do you believe would be the best option in the long run?
Hey Dr. G, Im 20 years old currently, love your content and info! I understand the dollar cost averaging in the S&P is the most beneficial long term, but given the current climate and the FED about to tighten once again, would you recommend waiting until we bottom again to really start buying shares in VOO or SCHD? Focusing on long-term buys, but don't want to buy then lose 20% as I believe the stocks are going down this year.
The problem is that nobody knows what the bottom is... DCA has proven to be the best method over market timing. By the time you feel comfortable investing, the market will have rebounded and you will be paying more for the shares.
Wise questions…but given your age it won’t be an issue as you will experience many market swings throughout your investing journey. Remember, time in the market is always King.
Glad you are looking at investing now. Key point is nobody can predict a bottom or a top. The essence of DCA is to buy shares - usually a fixed amount of money spent - over time. Some days you might pay more, other days you might pay less. You could DCA into SCHD vs. buying it all at once.
Good job getting started early! Watch some of my recent videos on timing the market and planning to profit! I’m big on dollar cost averaging even now during volatility
So grateful for the thoughts on the screen. Sometimes it sticks better with both audio and visuals to show the concepts. Always great to see your videos to keep us on track. Could you do a video on how you look at: Compound Interest, Dividend Income, and Average Annual Return? Example; If I have 100 shares of SCHD 2023, I know the yield so that gets me the dividend. But if I'm reinvesting the dividends year after year, then the amount of shares increases, which increases the dividend too...how do you figure out what you'll actually have at the end of 15 or 20 years? And the Average annual return fluctuates, but is this something we have to calculate as well?
Yes, Say you get a 4% dividend and that dividend payout grows also by 5 percent a year (still means you get a 4% div, it means that the value of the stock goes up). So now you can do the math. 1000 x .04 div = 40 div. Total value 1040. But at the end of the year, the div increases by 5%. So next years div on this years money is $42. $42 divided by .04 gives us a new imputed value of the stock of $1050, plus the $40 dividend and at the end of year one have a portfolio worth $1090.00. Then, do the math over again. 1090 x .04 = 43.60. Next years div increases to 45.78 which imputes a value of 1144.50 plus the 43.60 div = portfolio at end of year two of $1188.
2:30 Nope, you are not going to triple your $100k in 10 years without a ton of share price appreciation, or splits. Open a spreadsheet, put 100,000 in the upper left, Put a formula beside it ( * 0.0332 ). That is your monthly income (actually overstated by 12). Now put another column adding the first 2 together. Copy a ref to that cell on the next row. Continue all your formulas. It does not grow that much. You would need explosive growth of the stock price to pump your principle up so high, that starts exponentially growing the investment. This thing is a dog for the past year. It could get worse. Buy Muni Bond funds they pay more. Buy Covered Call funds. They pay more. Thanks..
@@BrisLS1 So you are going to tell me that when the dividend has gone up 50%...that the stock price is going to stay static???? When dividends increase, share price tends to move up also in tandem.
Did u mention stock appreciation? Or is that the same as dividend appreciation? Can u let us know if u start with 100,000 and add 1000 each month, how those numbers differ than not investing at all from initial 100,000?
Hey Prof. G, love all your content so far. This question isn’t for me but for my mom, she’s 69 and still working but will be retiring in a year or so. If you were in her position, would you start investing in SDHD now (let’s say 100k) so she can start getting the dividends when she needs them?
That’s a tough one to answer here. There’s a lot of complexities to iron out especially since she’s so close to retirement. Remember that $100k in schd will produce about $3,500 per year in dividends so it’s not a crazy amount to be able to live off of
So putting 100k in would generate $3+k a year? That would help when I retire. I hope to have 100k in my 457 plan unpon retirement and 200k in my iRA. That's not including my pension and Social Security.
@@lancebrown8823 I think your best bet at this point is to make sure you have little or no debt in retirement, and by that I really mean owning your home and your car.
I’m selling my rentals and getting out of real estate. I was thinking about investing $1.5M into VOO, QQQM, VGT, SCHD. 25% each. Is that a wise investment or how would you personally invest that much money? How about dollar cost averaging into it like maybe $50,000-$100,000 a month into it. Or just park the entire amount into at one time? Thank you.
Thanks for the great content Professor G and congratulations on your channel. Of all the research I've done SCHD seems to be the ETF that makes more sense to most people investing long term. I'm wondering if it's better to DCA over time into the ETF or to go all in if you already have a significant amount to invest and then continue to DCA. Seems to me that the price of this ETF is really stable and that it would be best to take advantage of the dividends and benefits right away instead if DCA. Would you agree?
Great question and the answer will be different for each individual investor depending on things like overall goal, age, risk tolerance, other investments, etc. I would say though that if you feel like you’d like to do as you outlined in the question, I’d 100% be on board for that personally and would do the same especially right now during this down market
The Schwab U.S. Dividend Equity ETF (SCHD) is still having a rough go of it in 2023. Its -2.3% year-to-date return and as last year was also negative. My current retirement objective is to get permanent cash from dividends, so this is not a good choice for me. Looks like this year someone in Schwab made a bad reconstitution of stocks that made the performance worst, so you end depending also on how in Schwab this is done and if they screw up they are make sure in the contract that are not accountable. Schwab will have to be serious about reconstitution of stocks and earn our trust.
I LOVED IT! YT referred this video. I put 100k in trading stocks & this made me my first million with the help of an F.M who trades for me. I recommend working with a pro.
A very good lady. I live in Dublin & a friend referred me to Erlinia Jedraa Barrett so I googled her & reached out. In few months of trading she tripled my 100k. She is really amazing.
Professor G *Raises Hand* I am confused and conflicted I am in my late 20"s I've been soaking in a lot of your videos. I truly appreciate all you put out and believe you're making a huge impact on your students and viewers thank you.. I digress. Now to get to the question what is your insight if you have the 100k, does one put it into schd set it and forget it.. or start the 3 fund you spoke on in another video? This also may make for an interesting video (3 Fund Portfolio Vs SCHD)
Really good question and I think you can’t go wrong either way but I’d lean more toward the 3 fund. Good idea for a video! Thanks for the kind compliments!
Thank you for the great videos and information. Please provide link to the investment calculator you have used. Did you use 13.82% as average growth over the 10 to 30 years time frame? Did you add back 3.335% dividend to 13.82%? Thank you.
I’m very interested, but I can’t find a time when its price was $76. I went back a few years, and it went from upper teens to mid 20s. What am I missing?
Thanks Professor for another great video. I have a 100k sitting in a 9 month CD for 5% in my retirement account(maturing in November 2023) Since it is a brokered cd I can get out without much penalty. If you were in my situation would you wait or break the CD and invest in SCHD?
feel the banks are ripping everyone off.. they give you 5% and they loan your money to someone for 15% even 20%... they getting rich out of you guys.. they are in business because of us..
Driving an old car,no payment,no credit card debt,will help for sure! Put all that into the schd instead of having monthly payments. Slowly but shortly it adds up.
He addresses that and explains his stance within the first 2 minutes. Did you watch the video? Or just come straight to the comment section to point out how he's wrong?
Can you make a video on how to create a good portfolio? Right now I'm in VOO and SCHD with VOO as my core holding, after this video maybe I'll pump up my percentage allocated to SCHD. I'm thinking of also investing in REITs and perhaps a small-cap ETF and bonds as well.
Check this one out and then look at my video on REITS! Using the NEW (better) 3 ETF Portfolio to get VERY RICH ruclips.net/video/2K9BbRVOioE/видео.html
It depends on your investing goals, risk tolerance, and timeline. I’m doing at least 90% schd. I have some voo and vig and won’t sell but I want to live off dividends without selling my core holding. Ideally, I’ll still have money left over to invest. Warren Buffett made almost all his money after the age most people plan to retire. If I want to live off dividends then I would need about twice as much voo as schd. The other ten percent I’ll put in individual stocks. Somewhere around 7% of stocks are responsible for the majority of the returns of the stock market. If you don’t know anything about stocks and don’t know how to read financial statements then I wouldn’t invest in individual stocks. I’m also saving to invest in real estate. Over the long run, I don’t think bonds do that well.
I’m that video I explained that I was comparing all vanguard funds but that I like other dividend etf and growth ETFs as well. You can interchange schd and VYM in my opinion
If compounding is so powerful, would it make better sense to just add money to either VTI or SCHD? If I have $100,000 but split it 50/50 wouldn't it just compound less rapidly? Thanks! Love your videos!
Very good question and this confused me when I started too! The thing that makes them “compound” is the interest they return each year. So if one fund returns 10% and another returns 11% and you half half your money in each, overall the full amount of your money will return 10.5% and so that’s the interest that will compound. So since vti and schd both return so high, they are good ones to choose!
Thank you for asking this question! I was starting to get bogged down in my head tryin to figure out this same thing. Thank you Prof. G so much for that excellent, easy-to-understand answer! Great!
Olá Prof Gouveia :) I’m starting to do investment just this year, I’ve been watching your videos for a while and decided to start the investment in VOO, with initial investment of 5k and a monthly contribution of 1500$… but now as I’ve been watching your videos about SCHD I’m a bit in doubt if I should close my position in VOO and change the direction to SCHD… my goal is to get a maximum amount of returns and being able to retire as soon as possible
I currently have 75% SCHD and 25% SCHG Roth IRA. Brokerage account is SCHD, VGT, VUG, alongside some individual stocks! Just passed 500K from an initial 75K startup in 2022. I am 43 and I plan on working until 50 hope to be at ~$1M soon enough.
I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market. Well done on profits!
Nice. I'm doing some research on VUG & SCHD now, seems like very solid choices. Congrats on nearing retirement. 7 years will fly.....unless of course you hate your job lol....
@ChristianJacquet That's a lot of money in 2 years!
Love my job. Over 25 years as a mechanic for a Major Airline. Great company. Just wish I knew about the financial markets years ago. But still with a good CFA I am doing great. It's a nice hands-off way to approach it. Glen Howard Chester manages my funds, he is a hot topic even among financial elitist in NY, with an aum of over 500m usd. and he has a great team. I conservatively follow his recommendations and market entry and exit points, and tbh this system makes investing fairly simple for me
My fiancee has QQQM and XLK (similar performance in comparison to VGT) in her DGI portfolio and she has been really happy with the performance! I think VGT, SPYG or SCHG, VTI, XLK, and QQQM (or QQQ) are amazing for long term growth and performance!
Ok dude I’m going all in. I just invested $110k into SCHD. Wife and I planned to invest all of my income into SCHD $100K/per year and just live off of hers. We hope to retire in 10 years and live off the dividends. This will either be the dumbest decision ever or if you’re right we’re gonna be living well in Thailand. I’ll check back in 10 years.
Compound calculator says you’ll have 1.8 mill in 10 years.
@@Kevinw4040 math is so wrong
Way wrong bro 😑
You can't take this video verbatim. He has to play it up a bit to get clicks. In reality, expecting 13.38% every year may not be substainable.
@@kerrydaniels8460 It's absolutely hilarious he put in 13,38 xDDDDDDDDDDD
I wish they taught investing at school level. There is so much advantage to doing this!
My biggest regret is that I started so late. And still not good at it, I think at this point i need help
I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.
@@ClemonSteve It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging
@@EbrahamAljalil luck plays a part, especially in the short term. I noticed that when results remain consistent, it indicates something more than just luck. research was the challenge until It led to Julie Ann Lerch, a fund manager. her strategy made sense, it contributed to growing 950k into this and counting
@@ClemonSteve I looked for the name online and found her page.I will get in touch with her,Thanks for the help
I emailed and made inquiries. Thanks for the help
Great question. I thought about the same. The reason probably why they don't teach it is because investing is like... Gambling. They don't want to be responsible for any actions that lead you to it. So investing is more of a personal preference and you have to seek it out on your own at your own free will. So anything that does happen, you can't blame anyone.
Just want to say, thanks again for making this video. I rebalanced my two IRA portfolios, sold all of my index 2050 target date fund (which i didnt like for over a year after learning more about investing after i started), and put it all into SCHD. Now, I have a total of 655 shares, at almost $50k. I'll aim to get to $100K (if not more) by next year on my SEP and Traditional IRAs. For reference, I will be 38 in August, and retirement age would be 65. That's 27 years of compounding and DRIP. I feel accomplished!
That’s huge!! Congrats!
How much are you making in dividends per month currently with schd? I'm so confused on the calculations
@@kingknowssbest I started this year so, with almost $50k invested so far about $2100 per year. That money will be reinvested every year until my retirement age.
@@kingknowssbesthe’s doing the calculations from 10 years in the future. Not on the current 100k investment present day.
So you putting everything you have in schd?
I started my 100k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is up! and VUG is doing even better. This year, I've tried to add some more assets but unfortunately facing a decline.
diversification is key to good investing. I personally dabble in stocks, and my first rule is survival before flipping for chunky gains
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.
congrats! mind sharing details of your advisor please? my job doesn't permit me the time to analyze stocks myself
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
I have stocked my daughter's account with this pick. She’s 10 and we make small donations every two weeks. 2600$ a year. It’s all we can afford right now. We also take all our extra funds for the month and add it to our own account of SCHD.
Such a huge blessing! Nice job!
My daughter just turned 13 so I opened a Fidelity teen account with her. Having her put her $50 opening bonus into schd!
That’s huge!! Such solid parenting!
Ahhh i envy her lol wish i opened up mine at that age
We have a six figure income and live paycheck to paycheck.....because we invest 48% of our income per year. We invest first and then adjust our lifestyle to live on the remainder. Helps that we have been 100% debt free including the house since 2015. We have SCHD as part of our portfolio already and keep adding to it.
Yup I can relate to this! I’m very similar. It’ll pay off later and those who aren’t investing as much may have some big issues
I turn 55 next month and it looks like we will be able to retire at the end of next year when still 56. We have SCHD in our "gap" fund to carry us from 56 to 59.5 when we can access our retirement accounts. I see people all the time buying the latest "whatever" but we are glad we are debt free, have been investing for 30 years and can retire early and enjoy ourselves rather than spending on "stuff". We have good reliable cars, not flashy cars, that are paid for, three properties that are paid for and we have nice things but we just prioritize investing over having the latest or greatest.
@@davidcunningham257Rule of 55 is your friend
Nice!!!
I'm retired now at 57 years old. My 4 largest holdings in order are JEPI, SCHD, JEPQ & DIVO. The March dividend for JEPx will be $8,300, which will all be invested into SCHD. I will continue to reinvest dividends until I need them.
That’s amazing! I like that system
How long have you been invest in jepi & jepq, they are high yield dividend, aren’t trap dividend etf? I like monthly dividend, but I am worry.
to get $8300 a month , you invested over a Million dollars?
Yes. We were mostly in growth stocks before switching part of our portfolio to income ETF’s.
SCHD is a beast and we have over 200 shares! Slowly building bro!! Always enjoy your content 🙏💯
That’s what I like to hear!!
Mommytradertube and Professor G - Luv both channels for teaching investment. Very nice!
Thank you.
@@mariex800 Personally I have sampled both channels and Professor G is on another level with the instruction, methods, and stock picks. Mommytradertube recommends a few risky brokerages/stocks that invites unnecessary risk if something happens globally (i.e., Webull is owned by Communist China, and operates out of New York and Texas). I like her enthusiasm as a mom, and wish her luck, but she's not a professor! 😉
@@NolanGouveia how much do you invest monthly
As of today your 200 will be 400
100K is hard to get, but once you get there, it gets easier! It took me a while to get to 100K, but now it seems to be growing quicker!
So true!
First 100k is a b**** as Munger famously said. How long did it take ya?
@@phil_8367 Little over 3.5 years, with lots of sacrifices…
@@svickz good stuff man! I have only done the minimum’s into a Roth IRA for the last four or five years, but this is the first year that I’m going to start investing into an individual brokerage as well, so my hope is to hit 100 K in the near future. Halfway there.
@@phil_8367 Keep at it, it’s a doable grind… I’m currently on an up hill hike to $1M. Gotta set goals!
I bought $125K worth of SCHD in my Roth 401k back in mid October so I’m hoping for great growth and returns down the road!
Heck ya!!
How’s your account doing now
Please update us :)
Yep we’re here just waiting for the update. 🤷♂️
Thank you for your videos great information. I have the money to put in SCHD, but my question is should I put in my brokerage account because in my Roth I have VGT, VOO and VTI. Should I DCA or buy just one time. Your help is greatly appreciated.
Thanks! I’ve got 77k in QYLD and JEPI and earn $650 a month of dividends. Good stuff!
What made you go with those particular funds compared to schd
Probably and RUclips video 😅
Omg those 2 funds are scary I could not see myself doing that
@@joy2come119those are more income oriented ETFs…maybe he needs the cash now would be my guess.
5:13 here you show SCHD priced at $76.21. At this moment, it's $28.20 and I don't see where SCHD was ever priced that high in the last 5 years. Am I missing something?
The price split about 3 months ago
Thanks!
I appreciate you!
I have already built 1532 shares of SCHD (110KUSD) and just got 1050 USD dividends which were automatically reinvested for compounding interest purpose. The snowball is just taking shape….
That’s amazing! Great work
@@gilbertomata5253 hi brother! How is the tax with the dividend you got? How many percent?
@@anhnguyen4443 hi bro... unfortunately as international customer I am paying 30% tax on dividends received... nothing is perfect!
Added SCHD and already getting $5.61 dividend👍
Love to hear it!!
Love this. I’ve decided I’m going to have my taxable 100% VOO and my Roth 100% SCHD
I like that a lot!
yoooooo!
That's how I'm doing it currently. Excellent.
The only budget method that works for me is sooo outdated 😂. I withdraw a fixed amount at every paycheck and split into different envelopes for groceries, gas, entertainment. The rest is automatically transferred in a fixed expenses and sinking fund (rent, hydro, car maintenance, doggies, clothing, etc), and two investment accounts.
Nice! The old school Dave Ramsey envelope system! I was raised on that so I have much respect for that system!
If it ain’t broke don’t fix it. I like the idea but having the cash available would be too tempting. Lol
Gotta do what ya gotta do
I do the same thing with putting cash into different envelopes for different expenses.
@@Steven_H_Blackmore old school Dave Ramsey method! I used to do that too!
SCHD and SCHG are my absolute favorites!
Love em!
@@NolanGouveia i have watched this video at least 3 times
@@KingP9977 😳 that’s awesome! Did you learn something new each time?
@@NolanGouveia yes.
Helped me to process things and plan for next year.
@@KingP9977 amazing!!
Today I sold some of my tsla shares and bought 100k into schd and another 100k into Voo. Will hold next 20 years and still have my core tsla shares for next 20 years as well. Feels good to diversify/
Not sure about your audience location, but for all the folks outside the US, it may be worth mentioning that dividend payouts are taxed 30% for US-based ETFs, but there are many Ireland-based US ETFs such as CSPX to track the SP500, which are only taxed at 15%. Maybe worth a video explaining differences between US resident and non-US residents? :)
Very good points and true yes!
You rock! Purchased thank you! 🙏
Smashed the like for the algorithm and telling me about schd. Thanks!
👍👍📈 thank you!!
Picked up a little over 1850 SCHD at 79.5. It’s never leaving.
Hi, I’m new with this.. whenever I see the market history of SCHD, I see that its highest value was $29.69, but in this video and your comment, you guys are mentioning 79.5 as its value. How is this possible?
@ It had a 1 to 3 split this year.
@@mikeyis009 gotcha, thank you for taking your time to answer.
Historical data suggests that over the long term, the stock market has produced an average annualized return of around 7-10%. Assuming an average annualized return of 8%, it would take approximately 21 years for a $100,000 investment in $SCHD to grow to $1 million through reinvestment of dividends and compounding.
Twenty one years will pass, though. Better get started.
Not to mention, if you contribute additional certain amount monthly, you will get there even faster
Rental property is better because of ability to borrow good debt from banks in very large amounts, once proven you can make positive cashflow
If you have $100,000 on hand to invest that’s true. For the rest of us in reality it will take about 10 years of hard work to save the principal before that 21 year clock starts. At $880 a month invested for 30 years you’ll have your million. By then a million dollars will be worth $400,000 due to inflation. This video is nonsense.
I’m going for SCHD this year last year I was heavy on JEPI time to switch gears
I like it! Both make sense in a long term dividend portfolio
Perfect! Now if only 90% of the world had $100k to just toss in the market…not to mention it’s about to take a plunge along with everything else
Almost hitting 200 shares I invest 500 weekly into SCHD and other assets. but SCHD is the one I invest the most.
I don't believe for a minute that SCHD can maintain the overall return or the dividend growth rate that it has had for the past ten years. That said, it is still my largest holding because I believe companies that pay dividends will outperform companies that don't, and I believe the SCHD portfolio managers, following their methodology, can pick stocks better than I can.
💰🙌📈
There has never been a bull run like we had between 2010 and 2021. It is very unlikely that we will see another in my lifetime.
You do realize that dividends does not make you any richer and lowers the value of a stock
@@davidbrooks8809 I also recognize that historically, stocks that pay dividends provide greater total returns than stocks that don't.
So if one has $100k, just buy approximately 1417 shares of SCHD and watch it grow overtime 10, 20, 30-years? Is it best to buy through Schwab or Fidelity?
You’re the best professor
If I found you earlier I’ll be far in my retirement goal. Keep doing the great job
I appreciate that! Keep up the good work!
Thank you for the info! My husband earned 500-700K W2 a year, we should only buy SCHD in our Roth IRA account, right? We just sold our second house so now we got more money need to jump in to the market. Since we filled up 401K, back door Roth IRA every year, the only way i can think of is to put those money to some EFT like VOO, QQQM that wont give us more money soon, and we can sell them until we retired and need them cash out eventually. We are still in 30s, my husband don’t want to retire any soon, and we live a simple life, kids go to public charter school, i drive 6y Mazda SUV and my husband has Nissan Leaf.
Wow that’s a huge w2! You can have schd in any account but you will avoid taxes if it’s in a Roth yes
I’m working my way to 100k in schd
I love SCHD!
🙌🙌🙌📈
I’m at 550 shares right now in SCHD. I wanna keep buying.
I love it!
Interesting video. At 2:40 though you start muddling total return with the current yield, which skews things. The current yield only exists at the very moment you purchase the shares. You would have to know the actual share count, and dividend amount, at any given time to come up with a yield. Even then you wouldn't be able to calculate it because as the dividends re-invested they bought shares at different prices and dividend amounts. Fun video though.
Well Professor G I am betting you are right I move an IRA from Emower to another broker and bought 2000 shares of SCHD. Now I know that SCHD will pay a .5962 dividend on the 29th of march I will add another 16 shares hoping I can build a retirement nest egg for my wife. I will also be adding $7500 a year in SCHD in a Roth IRA for her. I also save .89 percent of management fees by doing this.
Thanks for your channel
Love it!! Congrats!
Watching again for motivation.
🙌📈💰
Since watching this video, I now have $14k on SCHD on my Traditional and SEP IRAs. Might even rebalance my portfolio to get it closer to 100K. Thanks again, Prof G.
Well done!
Great video, SCHD is one of my top 5 favorites. I'm currently on my goal to a consistent $300 per month in dividend payments right now.
Awesome! Solid cash flow!
and to get this $300, what is your total portfolio?
What are your other four
3:1 split changes everything 💰
Sold all my VOO and bought all SCHD (at a gain). Maxing out my Roth w SCHD annually and my brokerage account. I didn't want to have to sell VOO later on down the line. I prefer to live off the dividend yield.
I definitely understand that!
@Investing Simplified - Professor G Professor G, we're in the building now!!! hahaha, it feels great!!
Question VOO doesn’t pay more dividends than SCHG? Help me to understand please??
I really love these videos. It's packed with so much knowledge but it'd be really nice If you shared the tools you use also.
A little over 15% of my Roth goes into this ETF. The only issue I have is I can’t automatically buy an ETF through Fidelity so every month I have to go in and put in my purchase order.
Ya I have the same thing with Charles schwab but I like pressing that buy button haha!
Do you just buy a set day you already have planned regardless of price? I always feel like I try to time it to much compared to my index funds.
@@lantzfamilyadventures5845 I just buy the day I get paid always
It has a nice spot in my portfolio. SCHD is elite
🙌🙌📈📈
All those projections you mentioned all assume the past 10 years growth rate, so it could severely underperform your projections.. thanks for the video
It could also overperform! Let’s see how it goes!
Shame on ANY BROKER that does not push SCHD I suspect they make 0 on doing this. So glad I am watching Professor G. How can we reach you personally?
You can email me for consultations at professorg.invest@gmail.com
SCHD is not my largest position but in my top 5 largest positions currently for all of my accounts. Currently at 385 shares and slowly working towards my 400 total to hold at. If I had a more lucrative career I’d have larger positions but I work with the small time fire life peanuts that I earn.
That’s a great amount! Nice work so far!
I'm buying SCHD in both my Robinhood acct, and in my rollover ira
Awesome!
This sounds like a great etf and I’m seriously starting to invest heavily to hopefully reach a good monthly dividend. Also, I’m feeling your new three fund portfolio. I watched that video several times because I can relate to the 10 year portfolio. Keep up the great content
Awesome Ken! I appreciate the feedback very much! Great work
SCHD is one of my core holdings. I plan on having about 25% of my portfolio in this ETF by the time I'm 60. Probably about 40% by the time I'm 65.
I was just plugging away numbers into a dividend calculator with SCHD and really can say I liked what I saw, but VTI I think will remain my fund of choice for growth and where I see the future heading up up and away!
Nice man ya you can’t go wrong with the total US stock market for sure
The important thing to understand is that investing something is still better than nothing
@@albertoromo5123 📈🙌
Maybe I missed it but at 2:42, what online tool are you using for the estimates? Thanks again!
Close to 130 shares 🎉
💰🙌📈wooooo!
How About splitting SCHD / DGRO 50/50???
All very good advice. Don`t forget everyone should have an emergency savings account.
Totally agree!
SCHD the 🐐
Can you make a video starting with a lower amount like $5000. Then show a difference over time? Thanks in advance!
Yes I can definitely do that!
@@NolanGouveia Please do.
Where is the calculator you use based on dividend appreciation. ? Love you channel
That is a compound interest calculator and it’s free on Google!
While I like dividend stocks, and SCHD, I find dividend investors have this dogmatic belief that SCHD is infallible. There is risk. The stock may tank. They may cut dividends. It may never recover.
It's a good investment, but let's not treat it as a 100% safe and guaranteed place to park your money forever and bet your life on it.
I agree and good point
Can't disagree, only if all the companies fell off the cliff all at once.
If one company fell off the cliff per say, it will get replace and will affect you some quarter once the ETFs get rebalance again.... Sort of changing your flat tire and affect you in a short time.
I saw a spliced in clip of the Botez sisters.
Do you recommend this over the three 3 fund portfolio or a supplement to it?
I wouldn't do it. Stick with the 3 Fund. It's diversified much better. Add some SCHD if you want but don't make it your primary. Also, SCHD is tax inefficient so best to put it in a Roth IRA.
I suggest it in my new and much better 3 fund portfolio. Check out this vid: Using the NEW (better) 3 ETF Portfolio to get VERY RICH
ruclips.net/video/2K9BbRVOioE/видео.html
@NolanGouveia I just discovered your channel. Is the Index version of this SCHD FUND just as good? Or does it have to be the ETF? Thank you 😊
I just bought 213 shares yesterday!
May buy same on Friday.........
That’s a big buy! Nice!
@@NolanGouveia thanks professor.
What's yr take on all these individuals & so called companies wanting to " teach " you how to make $$( tuition not included!)
I've been getting a plethora of solicitations from One Percent & Fx Traders& AI bots( w 3 algorithms) ---it's driving me crazy & it feels like used car sales.
Please advise( hypothetically of course)
Thank you as always!
@@tedallison6112 hypothetically (🤣) it’s a scam, do you own research and take charge of your finances!
@@NolanGouveia -thanks----in my perfect world ---YOU ProfessorG ---would be my one on one advisor---not a fly by night company I don't really trust.
I know you have that group----do you in fact job out to individuals? I image yr time is @ a premium. (?) virtuoso
959 g ect.....
Hello Professor I noticed that you also have a video on investing $100,000 in VOO. If someone only has 100,000 to invest in and can only make one selection SCHD or VOO which do you believe would be the best option in the long run?
Hi Jenny! My vote would be $50,000 in each!
Is there a UK equivalent for the SCHD?
Hey Dr. G, Im 20 years old currently, love your content and info! I understand the dollar cost averaging in the S&P is the most beneficial long term, but given the current climate and the FED about to tighten once again, would you recommend waiting until we bottom again to really start buying shares in VOO or SCHD? Focusing on long-term buys, but don't want to buy then lose 20% as I believe the stocks are going down this year.
The problem is that nobody knows what the bottom is... DCA has proven to be the best method over market timing. By the time you feel comfortable investing, the market will have rebounded and you will be paying more for the shares.
Wise questions…but given your age it won’t be an issue as you will experience many market swings throughout your investing journey. Remember, time in the market is always King.
Glad you are looking at investing now. Key point is nobody can predict a bottom or a top. The essence of DCA is to buy shares - usually a fixed amount of money spent - over time. Some days you might pay more, other days you might pay less. You could DCA into SCHD vs. buying it all at once.
wish i started investing when i was younger, it just wasn't as easy as now.
Good job getting started early! Watch some of my recent videos on timing the market and planning to profit! I’m big on dollar cost averaging even now during volatility
I searched for the SCHD, it's price is under $30.. Never been around $76...
I'm so confused! Which SCHD etf are you talking about plz?
3-for-1 stock split on October 10, 2024
@@ericb777 ahhh... Ok 👌🏻.. Thank you.
And was it good?
So grateful for the thoughts on the screen. Sometimes it sticks better with both audio and visuals to show the concepts. Always great to see your videos to keep us on track.
Could you do a video on how you look at: Compound Interest, Dividend Income, and Average Annual Return?
Example; If I have 100 shares of SCHD 2023, I know the yield so that gets me the dividend. But if I'm reinvesting the dividends year after year, then the amount of shares increases, which increases the dividend too...how do you figure out what you'll actually have at the end of 15 or 20 years? And the Average annual return fluctuates, but is this something we have to calculate as well?
Great feedback thank you!
Yes, Say you get a 4% dividend and that dividend payout grows also by 5 percent a year (still means you get a 4% div, it means that the value of the stock goes up). So now you can do the math. 1000 x .04 div = 40 div. Total value 1040. But at the end of the year, the div increases by 5%. So next years div on this years money is $42. $42 divided by .04 gives us a new imputed value of the stock of $1050, plus the $40 dividend and at the end of year one have a portfolio worth $1090.00. Then, do the math over again. 1090 x .04 = 43.60. Next years div increases to 45.78 which imputes a value of 1144.50 plus the 43.60 div = portfolio at end of year two of $1188.
2:30 Nope, you are not going to triple your $100k in 10 years without a ton of share price appreciation, or splits. Open a spreadsheet, put 100,000 in the upper left, Put a formula beside it ( * 0.0332 ). That is your monthly income (actually overstated by 12). Now put another column adding the first 2 together. Copy a ref to that cell on the next row. Continue all your formulas. It does not grow that much. You would need explosive growth of the stock price to pump your principle up so high, that starts exponentially growing the investment. This thing is a dog for the past year. It could get worse. Buy Muni Bond funds they pay more. Buy Covered Call funds. They pay more. Thanks..
@@BrisLS1 So you are going to tell me that when the dividend has gone up 50%...that the stock price is going to stay static???? When dividends increase, share price tends to move up also in tandem.
Find a dividend calculator online. Just don’t do like this RUclipsr and count your money from SCHD before you earn it.
Did u mention stock appreciation? Or is that the same as dividend appreciation? Can u let us know if u start with 100,000 and add 1000 each month, how those numbers differ than not investing at all from initial 100,000?
Hey Prof. G, love all your content so far. This question isn’t for me but for my mom, she’s 69 and still working but will be retiring in a year or so. If you were in her position, would you start investing in SDHD now (let’s say 100k) so she can start getting the dividends when she needs them?
That’s a tough one to answer here. There’s a lot of complexities to iron out especially since she’s so close to retirement. Remember that $100k in schd will produce about $3,500 per year in dividends so it’s not a crazy amount to be able to live off of
So putting 100k in would generate $3+k a year? That would help when I retire. I hope to have 100k in my 457 plan unpon retirement and 200k in my iRA. That's not including my pension and Social Security.
@@lancebrown8823 I think your best bet at this point is to make sure you have little or no debt in retirement, and by that I really mean owning your home and your car.
@shazam2323 since when is it a competition. Oh wait... it's not.
I’m selling my rentals and getting out of real estate. I was thinking about investing $1.5M into VOO, QQQM, VGT, SCHD. 25% each. Is that a wise investment or how would you personally invest that much money? How about dollar cost averaging into it like maybe $50,000-$100,000 a month into it. Or just park the entire amount into at one time? Thank you.
Would love SCHD to be available here in the UK. Hoping they come out with a UCITS version soon.
Ya I agree!
SCHY
@@JK-zt4ym exact same issue, no ucits version.
Thanks for the great content Professor G and congratulations on your channel. Of all the research I've done SCHD seems to be the ETF that makes more sense to most people investing long term. I'm wondering if it's better to DCA over time into the ETF or to go all in if you already have a significant amount to invest and then continue to DCA. Seems to me that the price of this ETF is really stable and that it would be best to take advantage of the dividends and benefits right away instead if DCA. Would you agree?
Good question
Great question and the answer will be different for each individual investor depending on things like overall goal, age, risk tolerance, other investments, etc. I would say though that if you feel like you’d like to do as you outlined in the question, I’d 100% be on board for that personally and would do the same especially right now during this down market
@@NolanGouveia Thank you for answering the question and great video!
@@NolanGouveia Thanks for your answer. And once again, thanks for teaching all of us and sharing your knowledge. Love the channel.
@@felipemendozaholguin4232 here to help!
The Schwab U.S. Dividend Equity ETF (SCHD) is still having a rough go of it in 2023. Its -2.3% year-to-date return and as last year was also negative. My current retirement objective is to get permanent cash from dividends, so this is not a good choice for me. Looks like this year someone in Schwab made a bad reconstitution of stocks that made the performance worst, so you end depending also on how in Schwab this is done and if they screw up they are make sure in the contract that are not accountable. Schwab will have to be serious about reconstitution of stocks and earn our trust.
I LOVED IT! YT referred this video. I put 100k in trading stocks & this made me my first million with the help of an F.M who trades for me. I recommend working with a pro.
Amazing! Thanks for sharing!
I did too. who trades for you & how do I reach him or her to help me?
@@rhebas7873 👍🏻👍🏻 Erlinia Jedraa Barrett, she is well known, research her.
A very good lady. I live in Dublin & a friend referred me to Erlinia Jedraa Barrett so I googled her & reached out. In few months of trading she tripled my 100k. She is really amazing.
Great video. It needs to be updated after not a great 2023 for SCHD.
Professor G *Raises Hand* I am confused and conflicted I am in my late 20"s I've been soaking in a lot of your videos. I truly appreciate all you put out and believe you're making a huge impact on your students and viewers thank you.. I digress. Now to get to the question what is your insight if you have the 100k, does one put it into schd set it and forget it.. or start the 3 fund you spoke on in another video? This also may make for an interesting video (3 Fund Portfolio Vs SCHD)
Really good question and I think you can’t go wrong either way but I’d lean more toward the 3 fund. Good idea for a video! Thanks for the kind compliments!
What's the calculator you're using? Great video - you earned a new subscriber!
Awesome welcome to the channel! It’s just a free compound interest calculator on Google!
Thank you for the great videos and information. Please provide link to the investment calculator you have used. Did you use 13.82% as average growth over the 10 to 30 years time frame? Did you add back 3.335% dividend to 13.82%? Thank you.
www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator
I’m very interested, but I can’t find a time when its price was $76. I went back a few years, and it went from upper teens to mid 20s. What am I missing?
Thanks Professor for another great video. I have a 100k sitting in a 9 month CD for 5% in my retirement account(maturing in November 2023) Since it is a brokered cd I can get out without much penalty. If you were in my situation would you wait or break the CD and invest in SCHD?
Id just wait. Schd will be there after you make your 5% and that 5% is guaranteed
@@NolanGouveia thank you so much 😊
feel the banks are ripping everyone off.. they give you 5% and they loan your money to someone for 15% even 20%... they getting rich out of you guys.. they are in business because of us..
Love and heavy in SCHD , and also some in JEPI and JEPQ
Nice dividend funds for some solid cash flow for sure!
100,000$ is a lot of money for 99% of population
Driving an old car,no payment,no credit card debt,will help for sure! Put all that into the schd instead of having monthly payments. Slowly but shortly it adds up.
Yes it is but it can be done. Ask me.
True, but it can be done.
It’s all about how you live, your financial stresses car, house, kids etc. save as much as you can
He addresses that and explains his stance within the first 2 minutes. Did you watch the video? Or just come straight to the comment section to point out how he's wrong?
Alright ill subscribe. Good work.
👊I appreciate you!
Can you make a video on how to create a good portfolio? Right now I'm in VOO and SCHD with VOO as my core holding, after this video maybe I'll pump up my percentage allocated to SCHD. I'm thinking of also investing in REITs and perhaps a small-cap ETF and bonds as well.
Check this one out and then look at my video on REITS! Using the NEW (better) 3 ETF Portfolio to get VERY RICH
ruclips.net/video/2K9BbRVOioE/видео.html
It depends on your investing goals, risk tolerance, and timeline. I’m doing at least 90% schd. I have some voo and vig and won’t sell but I want to live off dividends without selling my core holding. Ideally, I’ll still have money left over to invest. Warren Buffett made almost all his money after the age most people plan to retire. If I want to live off dividends then I would need about twice as much voo as schd. The other ten percent I’ll put in individual stocks. Somewhere around 7% of stocks are responsible for the majority of the returns of the stock market. If you don’t know anything about stocks and don’t know how to read financial statements then I wouldn’t invest in individual stocks. I’m also saving to invest in real estate. Over the long run, I don’t think bonds do that well.
I love the fund and the reinvest dividend concept, but aren't the dividends taxed as capital gains?
Yes qualified dividends
I keep on asking myself. Why invest in anything else.
Right?!
I have it set up on Robinhood to buy one share of this stock a day. Every single day.
You made a recent video that VYM + VUG would have outgrown VOO (retroactively). Would VYM + VUG also have outgrown SCHD?
I’m that video I explained that I was comparing all vanguard funds but that I like other dividend etf and growth ETFs as well. You can interchange schd and VYM in my opinion
Please share your opinion on VGT...
Thanks
If compounding is so powerful, would it make better sense to just add money to either VTI or SCHD? If I have $100,000 but split it 50/50 wouldn't it just compound less rapidly? Thanks! Love your videos!
Very good question and this confused me when I started too! The thing that makes them “compound” is the interest they return each year. So if one fund returns 10% and another returns 11% and you half half your money in each, overall the full amount of your money will return 10.5% and so that’s the interest that will compound. So since vti and schd both return so high, they are good ones to choose!
Thank you for asking this question! I was starting to get bogged down in my head tryin to figure out this same thing.
Thank you Prof. G so much for that excellent, easy-to-understand answer! Great!
@@NolanGouveia you mention return each year. Your video shows it compounds monthly. So is this schd monthly or yearly?
@@kito1san in the video it shows “compound annually” so this is based off of yearly compound interest
SCHD currently pays the dividend quarterly. This would help dollar cost average the dividend reinvestment through the year.
So happy to see your channel grow so quickly! Keep it up my friend! Need to grow mine more lol congratulations!
I appreciate that! Thankyou! Keep it up!
Olá Prof Gouveia :) I’m starting to
do investment just this year, I’ve been watching your videos for a while and decided to start the investment in VOO, with initial investment of 5k and a monthly contribution of 1500$… but now as I’ve been watching your videos about SCHD I’m a bit in doubt if I should close my position in VOO and change the direction to SCHD… my goal is to get a maximum amount of returns and being able to retire as soon as possible
Hi there! I love both funds! Maybe a 50/50 split?
SCHD and VOO are similar funds.. if you want rebalance your VOO, 50% in SCHD and 50% in VTI is the ideal choice.
@@narayanana6159cmon vti and voo is the same 😅😅😅
How would you compare SCHD to FDVV?
But the pertinent question can this ETF continue to give 13% total returns in the future ?
That is the question! Unlikely but I do like it’s chances to keep crushing
You really used a 13.8% interest rate as the expected total over the next 30 years? That's incredibly optimistic.
Just used the data we have for the past 10 years. I agree it is optimistic but we will see!
@@NolanGouveia Let's all hope we see those returns. History tells us, on average, an 8% return net of inflation over a 30 year horizon would be great.
SCHD isn't doing so hot this year..
Good year to buy!
Name another etf or stock thats basically flat this year
@@jorgemarmolejolu6222 SCHD is down this year..
.6% wow! In case ou havent noticed the whole market is down, so if you stay practically flat youre outperforming.
@@jorgemarmolejolu6222 You might want to look again as the S&P is up 4% YTD... SCHD is lagging big time this year.
ive been averaging at least 20% returns so dont think id sell half my portfolio just to go ham on schd
What about if I start with 1000 dollars and I put monthly 600..?
That’s amazing! Every bit counts
Which investment calculator are you using? I’d like to use it as well. Thanks for your page been a huge help!
It’s just a free compound interest calculator on Google!