I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Rebecca Nassar Dunne’” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
The stock market is definitely picking up pace right now, but I still think investors should be careful at this time. I'm actually a newbie in this space, so I'm open to hearing other investors' take on this.
I think the market is likely at its best now, but I still believe having a financial advisor is crucial to navigate the market and moderate your risk. Their expertise can really help you make informed decisions.
I agree. I've been working with a financial advisor since 2020, and I return up to 15k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital
Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.
My CFA, MELISSA ELISE ROBINSON l is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
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'm approaching retirement and having a financial advisor has been helpful. I started investing later than most, so relying on compound interest from Etf's or bonds alone wasn’t enough for me. Despite that, I’ve managed to do well and am on track to retire with around $2 million
@@EbrahamAljalil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs
@@ClemonSteve I looked for the name online and found her page.I will get in touch with her,Thanks for the help I emailed and made inquiries. Thanks for the help
@@EbrahamAljalilI’m 21. And his best video for investors that really helped me was the “three fund portfolio by age”. Keep it simple. As of right now I’m doing 33% evenly into VOO, SCHG, SCHD.
I have literally been on a three month bender of investing research, and your channel has helped me so much. Thank you, from one normal human to another, thank you.
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO. Personally I put down 1.2m$ on few ETFs, still diversifying. it was this time last year I made my first break through with a liquid 370k. Handed it to a trader here in TX, I get weekly pay out which I put back on long term ETF's. Tesla will be a huge buy for me when the market bottoms.
I met Jennifer Kristie for the first time last year at a women's conference here in Pennsylvania, and my life has changed for the better since then. God bless her!
Great picks! I just surpassed 500K. Biggest positions VOO, VTI, SCHD, VYM, and now looking to build up DRGO alongside my single stocks. I got ~$14900 divs last year in taxable divs. Q2 taxable divs this year was ~$8k
@@ChristianJacquet9 Not necessarily though there is a fair amount of overlap but that’s not necessarily a negative. Either approach is fine over the long term. Most important thing is to get started and build your income over time to continue investing more as time goes on.
@johnketh-n9v 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!
As a passive investor, is it wise to buy market tracking index funds and ETFs from companies like Blackrock, Vanguard and State Street, even when they're at all time highs? i want to invest around 600k for retirement
These funds offer diversification, low fees, and long-term growth potential. Given the significant amount you plan to invest, consulting with a financial advisor can provide personalized guidance tailored to your specific situation and retirement goals.
Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.
Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.
SCHD gives me modest growth and modest dividend return. A good investment for a couple in their mid 70’s. Between pensions, dividends and social security we don’t have to touch our principal, can live well and pass a substantial amount to our kids when the time comes.
This is exactly my portfolio. A 50/50 split. I’m 37 years old and have about $200k saved. I feel like this strategy will treat me well, without having to adjust my portfolio for a while.
@@dentonarmstrong7470 I wish I would have kept to that strategy!! I started it almost 12 years ago and then thought I could do better during the covid insanity… I should have just stayed the course!! Good for you!!
I enjoy having SCHD in my portfolio. What I like about the ETF is how the stocks are reviewed…the parameters the fund uses to select and keep each stock. Value ETFs have there place in one’s account based on age and recovery from risk. I’ve been selectively taking profits within my portfolio and waiting for a slide coming in the next couple of months.
Did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio to boost performance. Here for ideas...
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
My CFA Carol Vivian Constable , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I've been teaching myself how to invest this year, and your videos about the new three-fund portfolio have been really helpful. I was initially reticent to invest in SCHD because I thought growth ETFs would be a better prospect at my age with a long time-horizon, but my portfolio's performance this year has already proven your point about SCHD acting as the perfect diversifier and risk hedge against the tech-heavy QQQM and even the tech-tilted VOO. Thank you!
May I make a humble suggestion? At first I bought CALF, but I realized it was not doing very well. I did more research into a similar ETF suggested by professor G: XMMO. This one has done great and I suggest learning about it.
VTV is what I pair with SCHD for my value play. My overall portfolio consists of approx 1/3 of each class: SCHD/VTV - good complement with little overlap VTI VUG
Thanks for another high quality video! Basic summary: the Fed's 50 basis point cut, instead of 25 basis point cut, and lingering concerns about inflation and debt suggest slower growth, and more interest in value and/or dividend stocks, so with SCHD's ETF split garnering media attention, ETFs such as SCHD might be in an upswing in the next year or more. Seems reasonable.
Since I live in Germany where SCHD is not available I invest in Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing as value etf. 🙂I like your channel! Thx!
@@edelknecht fair one but you can have more than 1 broker / platform I have vanguard account here in the UK And invest in VUAG ( S AND P 500 etf , But also have a AJ Bell account where I buy and sell US stocks like Tesla and Nvidia ,AMD etc and qqqm etf I also have a share dealing account where I have tui stock ( which is now on the German stock exchange )
I currently have 1281 shares of SCHD as part of my keep it simple portfolio. Always enjoy watching your videos and gaining more information and knowledge. Keep them coming!
There's def a place for SCHD but don't rush out of growth out of fear of an impending drop and get too lopsided. Mkt is more akin to 96 than 99 and 25 will be an excellent year. Stay diversified and DCA
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Great content Professor G! Have 700 shares of Schd now, it’s a little pricey right now, I’ll continue to Dca.. Also have 1100 shares of Vtv- value etf with different holdings.
3 fund portfolio CRUSHES without being crushed! Pretty happy having 8k shares SCHD pre split 😂. Thank you Professor G for sharing your knowledge as always!
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Powell says we are doing good yet he lowers rates by .50 that is a signal we are not doing so good. SCHD is a good way to go for now. Have extra cash on hand for big drops and your safe money.
I find it amazing how SCHD’s last 10 years have averaged ~11% which is on par with the S&P. Why even gamble with risky stocks or “high risk-high reward” ETFs when you have a sure thing that’s even paying better dividends than qqq. Schd is just a win win no matter the market.
well you have to pay taxes on those dividends along the way. any correct analysis of schd's performance would have to include the impact of those taxes.
@@darknova3591 I don't think that's right unless you're talking about a tax deferred account. I would definitely consult an accountant before assuming that.
Professor G on Friday I gave notice to a manager at my company I will be leaving in December. I will be 49 years old on October 23. I have a part time job at a neurodivergent special needs high school; I am also on the Autism Spectrum. I own SCHD but I need more income if only having a part time job. I also own JP Morgan covered call ETFs JEPI, JEPQ and the Round Hill 0 day expiration covered call ETFs on the S&P 500, the Nasdaq 100 and the Russell 2000.
Schd the foundation is my largest position at 4.4%. Vz at 6.1% dividend yield is doing well this week! Verizon - “We can hear you now”. I recently started adding Vz which is 2.2%. You posted a video you own Vz which pays your cell phone bill.
VZ is one of the few investments that I ended up selling. The dividend was nice, but it didn't quite make up for the drop in share price. I haven't tracked VZ lately. I hope @tonykimcre that it is working out better for you.
@@mplate1792 At first I dragged my feet for Vz. Start talking to my retired friend who lives for Vz for its dividends. He keeps buying Verizon shares. I observed and analyzed, at first hated -25% over past five years. But where else do you get a solid 19 year consecutive dividend growth? 5% or higher dividend payers: O at 5.1% Riskier: Mo at 8.1 Epd at 7 Much shorter consecutive divided growth: Main at 8% Arcc at 9.1
I am Buying SCHD, DGRO,VIG & VOO in equal $ portion every month till I reach $500,000. After I reach $500,000 I will stop buying dividend etf. Dividend I receive on $500,000 I will buy VOO(40%) & VTI (40%)& BND (10%) from there on. My plan is to buy dividend on early stages is because they are safe and steady Plus dividend percent payout will increase every year. For example: You Bought $100,000 (1851 shares) on SCHD 5 years ago at $54. Which paid $1.89 on dividend per share then (with dividend payout of $3498/yearly) AFTER 5 without putting single dollar after 5 years price is $84 with dividend payout at $3 with (3.5%) on 1851 share dividend is $5553. So basically $100,000 invested 5 years ago pays 5.5% dividend todays time and increased the value of principle. Early investing in dividend increases return on dividend percentage long run. Hope this helps.
I missed the memo until the day of, but wouldn't it make more sense to make a mass purchase AFTER the split occurs when the price is lower? That is what I did with the bulk of my roth ira balance I had been sitting on. Spent $1100 and got about 30 shares. No way I would have gotten that much at $80+
My biggest holding is SCHD but I also have a bunch in SCHD’s younger brother CGDV capital group dividend value fund which is like SCHD but is actively managed, lower dividend but it beats the S&P500, I love it
Jepi and schd, roughly 50/50 split between them. Jepi for the monthly dividend, schd for long term value/growth chances and I believe it will continue to perform fine over the long term (thinking next 10-20 years). The schd split made me excited. I did not expect it, but now I have 230 shares when I only hoped for 80 shares at the end of the year! Super happy right now. I may even consider having my jepi dividends go towards that for the time being while it is low to help build those shares while I can.
VYM for me over SCHD. I prefer the top 10 holdings of VYM over SCHD and believe they will assist in VYM outperforming SCHD over the next 12 month, albeit at a lesser dividend rate but with the same expense ratio..
Interesting hypothesis. My own thinking is that, on a broad basis, value stock universe may outperform the growth stock universe, but many individual growth stocks such as AMZN and NFLX may outperform value stocks like PG and KO. We will know in a year's time. Thanks for the nice video.
Great for retirement, but I’m young so I’ll stick to VONG until I’m a multi-millionaire, then sell and put it into one of these high dividend ETFs to live off of plus 6% a year. That’s basically 9.5% total between that.
Let's see if it's true today is October 5, 2024 SCHD @ $84.65 SMH @ 247.82. I am all in on SMH. Let's see in a year or 2. Lol. I have over 1100 shares of SMH 🎉🎉🎉🎉🎉🎉🎉
Well explain thank you for bringing up this video Financial education is indeed required for more than 80% of the society in the country as very few are literate on the subject. Regardless of how bad in the economy I still make 90k from my investment of 12k Thanks to Keira Watson for her helpful guides
Interesting take. For myself as an European investor I try to follow MSCI ACWI IMI index, which should give you 99% of the investable market capitalisation worldwide.
I also forget to say on top of following your 3 etf strategy and percentages for my age , I also follow the 3 year rule of extra living expenses in my core cash account that you suggested to get you through trouble market times. Just need your advice if the 50-40-10 should shift to a different set of numbers before 2025
Hallelujah!!! I’m blessed and favored with $60,000 every week! Now I can afford anything and support the work of God and the church. For Your glory, LORD! HALLELUJAH!
You've got to take into consideration, the expense ratio on etf's, SCHD has a lower expense ratio than QQQ, expense ratio's can take away hard earned money.
For a 10 year horizon, I have a brokerage account that I'm going aggressive: 40% VGT, 40% SCHG, and 20% SCHD. Aiming to invest $300 monthly, goal is for the money to grow enough to pay off my future home. I'd do more, but with my new job I'm already doing 401K and will soon jump on an ESPP. But, I do have a ton of SCHD on my IRAs.
In your SCHD video on Monday, can you also discuss the tax implications of SCHD? Some people say it's tax-inefficient. Can you talk about how to account for that? Please and thank you!
I don't know jack, so don't listen to me, but AI and tech stocks are the future, in my opinion. AI will be essential for companies to maintain competitiveness. If the tech bubble bursts, I plan to have cash on-hand in my IRA and my solo 401k's to buy more VGT and possibly VUG. I do that to make lump sum buys when the market dips, such as the ~10% correction we had in August. The S&P dips about 10% once a year. I do like SCHD when I'll be closer to retirement age, so I would like to convert my high risk funds in my Roth 401k to SCHD at that time. In the meantime, the most conservative forecast for VGT over the next 12 months is -10% growth. The best forecast is +45% growth. I guess I'll find out.
My primary focus shifted in February to buying up SCHD and VYM across separate accounts. Still cautiously buying select long term growth stocks and holding the ones i have though.
I was thinking about this the other day. Currently 35/35/30 in VOO, QQQM and SCHD, respectively in my brokerage acct. Thinking of making SCHD a higher percentage. I'm 53.
@Jpsantos94 _"this is a terrible portfolio"_ Terrible is just your assumption. _"you get closer to retirement"_ _"Closer"_ it's like 15years ahead???? 53 not 63.
Thank you for your videos and information! May I get your thoughts on the Royce ETFs such as RVT and RMT? I found them recently and the returns since inception have been great. Seem to be safe from volatility and the yield is appealing. They also just raises their dividends. Thanks!
![KSI - Dirty [Official Visualiser]](http://i.ytimg.com/vi/VoDh1h1dPUE/mqdefault.jpg)
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Rebecca Nassar Dunne’” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
The stock market is definitely picking up pace right now, but I still think investors should be careful at this time. I'm actually a newbie in this space, so I'm open to hearing other investors' take on this.
I think the market is likely at its best now, but I still believe having a financial advisor is crucial to navigate the market and moderate your risk. Their expertise can really help you make informed decisions.
I agree. I've been working with a financial advisor since 2020, and I return up to 15k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital
Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.
My CFA, MELISSA ELISE ROBINSON l is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
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'm approaching retirement and having a financial advisor has been helpful. I started investing later than most, so relying on compound interest from Etf's or bonds alone wasn’t enough for me. Despite that, I’ve managed to do well and am on track to retire with around $2 million
@@ClemonSteve I'm currently evaluating my portfolio and could use some guidance. How can I get in touch with your advisor?
@@EbrahamAljalil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs
@@ClemonSteve I looked for the name online and found her page.I will get in touch with her,Thanks for the help
I emailed and made inquiries. Thanks for the help
@@EbrahamAljalilI’m 21. And his best video for investors that really helped me was the “three fund portfolio by age”. Keep it simple. As of right now I’m doing 33% evenly into VOO, SCHG, SCHD.
I have literally been on a three month bender of investing research, and your channel has helped me so much. Thank you, from one normal human to another, thank you.
Amazing! This makes me very happy
Try Joseph Carlson.
Pro G is awesome. Always honest about his knowledge.
I am impressed with your update on these stocks, now my question is which is best to buy at this time. I have some liquid assets to diversify.
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO. Personally I put down 1.2m$ on few ETFs, still diversifying. it was this time last year I made my first break through with a liquid 370k. Handed it to a trader here in TX, I get weekly pay out which I put back on long term ETF's. Tesla will be a huge buy for me when the market bottoms.
Thank you, I already added VOO and QQQM, can you share this Pro with me.
Yeah, Jennifer Kristie Taylor use her name to look her up.
I looked her up online and saw her profile and credentials, she’s really experienced! Thanks for sharing with us. I’ve already sent her an email.
I met Jennifer Kristie for the first time last year at a women's conference here in Pennsylvania, and my life has changed for the better since then. God bless her!
“We are all about helping each other out in this channel” 👍🏻
Well said 👏🏻 Thanks Prof!
That’s the goal!
I read this comment as he was saying it 😂😂
I totally agree. Thanks Professor for your support and sharing your knowledge!
Thanks to you Professor G, I have been investing in SCHD for the last couple of years and look forward to the upcoming split! Thanks for sharing!
Great! I have 33% of my portfolio in SCHD bought in at 69.00 😊
Heck ya!
Nice
I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I’m looking at SCHD, VOO, XLK or SCHG
Great picks! I just surpassed 500K. Biggest positions VOO, VTI, SCHD, VYM, and now looking to build up DRGO alongside my single stocks. I got ~$14900 divs last year in taxable divs. Q2 taxable divs this year was ~$8k
@@johnketh-n9v thank you! Actually would it be silly to have both SCHD and VOO?
@@ChristianJacquet9 Not necessarily though there is a fair amount of overlap but that’s not necessarily a negative. Either approach is fine over the long term. Most important thing is to get started and build your income over time to continue investing more as time goes on.
@johnketh-n9v 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!
Almost at 2,500 shares of SCHD. For the first time I’m about to use some of my dividend income for a trip to Hawaii.
As a passive investor, is it wise to buy market tracking index funds and ETFs from companies like Blackrock, Vanguard and State Street, even when they're at all time highs? i want to invest around 600k for retirement
These funds offer diversification, low fees, and long-term growth potential. Given the significant amount you plan to invest, consulting with a financial advisor can provide personalized guidance tailored to your specific situation and retirement goals.
Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.
pls how can I reach this expert, I need some investment guidance
Monica Shawn Marti is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.
I have about 400 shares of SCHD at the moment and will continue to DCA! Bring it on! 😊
1200 shares soon!! I like it!
@@NolanGouveia nice!!! 😊
4600 shares
@@qorghsksan92 Nice! 😊
Can you DCA on Schwab platform?
SCHD gives me modest growth and modest dividend return. A good investment for a couple in their mid 70’s. Between pensions, dividends and social security we don’t have to touch our principal, can live well and pass a substantial amount to our kids when the time comes.
Great video Professor G. I have been investing in SCHD for 7 months now. Also hold SCHG, SPLG, FTEC.
Great choices!
DCA into SCHG and SCHD and you’ll beat 99% of people on RUclips telling you what is going to beat what. ❤❤❤❤❤
I'd agree
This is exactly my portfolio. A 50/50 split. I’m 37 years old and have about $200k saved. I feel like this strategy will treat me well, without having to adjust my portfolio for a while.
@@dentonarmstrong7470 I wish I would have kept to that strategy!! I started it almost 12 years ago and then thought I could do better during the covid insanity… I should have just stayed the course!!
Good for you!!
I’m about to max out my Roth IRA contribution this year in SCHD only 🎉🎉🎉🎉
Just SCHD I like the dividend growth and the stability of the companies they invest in. I am up 10% on SCHD
A 20-25% allocation of DGRO coupled with SCHD looks good.
I enjoy having SCHD in my portfolio.
What I like about the ETF is how the stocks are reviewed…the parameters the fund uses to select and keep each stock.
Value ETFs have there place in one’s account based on age and recovery from risk.
I’ve been selectively taking profits within my portfolio and waiting for a slide coming in the next couple of months.
Did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio to boost performance. Here for ideas...
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
I could really use the expertise of this advsors
My CFA Carol Vivian Constable , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Just ran an online search on her name and came across her website; pretty well educated. thank you for sharing.
I’m in FDVV happy so far.
That’s a very good one yes!
@@NolanGouveiayou think schd and FDVV together or is one enough?
@@rigo.garcia I like schd best but both together can be great also!
Heck yeah! I've been bragging about the SCHD, QQQM, SCHG, VOO portfolio for years! 🇺🇸 🇺🇸
I'm in the exact same ones.
Let’s go!!
those are all of my ira holdings
Schg and voo overlap too much. Pick one of them.
Hmmm...I have SPY, QQQ, and SCHD.
Great content!! I have been buying SCHD and SCHG every week. I also believe SCHD will 📈 in the coming months.
I've been teaching myself how to invest this year, and your videos about the new three-fund portfolio have been really helpful. I was initially reticent to invest in SCHD because I thought growth ETFs would be a better prospect at my age with a long time-horizon, but my portfolio's performance this year has already proven your point about SCHD acting as the perfect diversifier and risk hedge against the tech-heavy QQQM and even the tech-tilted VOO. Thank you!
so is your whole portfolio schd bc im DCA in VOO and QQQ and i’m thinking just throwing everything in SCHD
SCHD all in and adding small cap CALF. Thanks for the morning video!
Yes awesome!
May I make a humble suggestion? At first I bought CALF, but I realized it was not doing very well. I did more research into a similar ETF suggested by professor G: XMMO. This one has done great and I suggest learning about it.
VTV is what I pair with SCHD for my value play. My overall portfolio consists of approx 1/3 of each class:
SCHD/VTV - good complement with little overlap
VTI
VUG
Thanks for another high quality video! Basic summary: the Fed's 50 basis point cut, instead of 25 basis point cut, and lingering concerns about inflation and debt suggest slower growth, and more interest in value and/or dividend stocks, so with SCHD's ETF split garnering media attention, ETFs such as SCHD might be in an upswing in the next year or more.
Seems reasonable.
The Fed has been conned by cnbc into subsidizing high prices and have been doing it since Ben Bernanke was federal reserve chairman.
I own:
SCHD 20%
DVY 4%
DGRO 4%
ADDING WEEKLY TO VOO ( SP500 INDEX ETF )
PLUS AN ARRAY OF FIXED-INCOME FUNDS/ETFs
I have 10 shares of SCHD.....I'll be rich soon....lol
Raking in those $30 of dividends yearly! 😂
Nice 💰 💰💰💰💰😊
Congratulations! Now with the split you have 3x's as many!!!
Just keep plugging
@@jeanmariepotter2239its not about getting rich soon. Its all about compounding
Since I live in Germany where SCHD is not available I invest in Vanguard FTSE All-World High Dividend Yield UCITS ETF Distributing as value etf. 🙂I like your channel! Thx!
Can you not open a AJ BELL OR TRADING 212 ACCOUNT in Germany and buy SCHD though them ?
@@boyasaka maybe but I trust and like my German broker Scalable Capital. It has to abide German tax laws which makes life easier for me.
@@edelknecht fair one but you can have more than 1 broker / platform
I have vanguard account here in the UK
And invest in VUAG ( S AND P 500 etf ,
But also have a AJ Bell account where I buy and sell US stocks like Tesla and Nvidia ,AMD etc and qqqm etf
I also have a share dealing account where I have tui stock ( which is now on the German stock exchange )
With Interactive Brokers it should be possible
Nope, interactive does not know anything about German tax.
I currently have 1281 shares of SCHD as part of my keep it simple portfolio. Always enjoy watching your videos and gaining more information and knowledge. Keep them coming!
I love it!
I got in on VYM late July this year after watching your 3 fund portfolio video and it's close to 6% return now!
I don’t have any SCHD. I just have VTI and a few single stocks. I think I’m gonna load up on SCHD…
There's def a place for SCHD but don't rush out of growth out of fear of an impending drop and get too lopsided. Mkt is more akin to 96 than 99 and 25 will be an excellent year. Stay diversified and DCA
I'm definitely in for keeping growth!
Finally, someone talking sense about value stocks! I've been loading up on SCHD and it's paying off.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
Great content Professor G!
Have 700 shares of Schd now, it’s a little pricey right now, I’ll continue to Dca..
Also have 1100 shares of Vtv- value etf with different holdings.
Amazing! Pretty soon next week you’ll have 2100 shares in schd!
3 fund portfolio CRUSHES without being crushed! Pretty happy having 8k shares SCHD pre split 😂. Thank you Professor G for sharing your knowledge as always!
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
It’s not just about rates dropping.
Companies valuations within SCHD also must meet expectations during earnings
The FED did reduce interest rate by half percent but they are still engaged in quantitative tightening by reducing their balance sheet
Powell says we are doing good yet he lowers rates by .50 that is a signal we are not doing so good. SCHD is a good way to go for now. Have extra cash on hand for big drops and your safe money.
I find it amazing how SCHD’s last 10 years have averaged ~11% which is on par with the S&P. Why even gamble with risky stocks or “high risk-high reward” ETFs when you have a sure thing that’s even paying better dividends than qqq. Schd is just a win win no matter the market.
If the market goes down, will the returns stay the same? Or will they go up if you purchase SCHD shares at a lower rate?
well you have to pay taxes on those dividends along the way. any correct analysis of schd's performance would have to include the impact of those taxes.
@@stancartmankennyif you have them automatically reinvest you don’t pay taxes until you liquidate
@@darknova3591 I don't think that's right unless you're talking about a tax deferred account. I would definitely consult an accountant before assuming that.
@@darknova3591 Not true
Professor G on Friday I gave notice to a manager at my company I will be leaving in December. I will be 49 years old on October 23. I have a part time job at a neurodivergent special needs high school; I am also on the Autism Spectrum. I own SCHD but I need more income if only having a part time job. I also own JP Morgan covered call ETFs JEPI, JEPQ and the Round Hill 0 day expiration covered call ETFs on the S&P 500, the Nasdaq 100 and the Russell 2000.
I’m definitely pulling from my cds to go heavier into the market, especially schd, these days..
Schd the foundation is my largest position at 4.4%.
Vz at 6.1% dividend yield is doing well this week! Verizon - “We can hear you now”.
I recently started adding Vz which is 2.2%.
You posted a video you own Vz which pays your cell phone bill.
VZ is one of the few investments that I ended up selling. The dividend was nice, but it didn't quite make up for the drop in share price. I haven't tracked VZ lately. I hope @tonykimcre that it is working out better for you.
@@mplate1792yea I sold vz too
@@mplate1792 At first I dragged my feet for Vz. Start talking to my retired friend who lives for Vz for its dividends.
He keeps buying Verizon shares.
I observed and analyzed, at first hated -25% over past five years.
But where else do you get a solid 19 year consecutive dividend growth?
5% or higher dividend payers:
O at 5.1%
Riskier:
Mo at 8.1
Epd at 7
Much shorter consecutive divided growth:
Main at 8%
Arcc at 9.1
@@mplate1792 I recently started adding Vz. My retired friend told me he loves Verizon and that he keeps buying for dividend yield.
I am Buying SCHD, DGRO,VIG & VOO in equal $ portion every month till I reach $500,000. After I reach $500,000 I will stop buying dividend etf. Dividend I receive on $500,000 I will buy VOO(40%) & VTI (40%)& BND (10%) from there on.
My plan is to buy dividend on early stages is because they are safe and steady Plus dividend percent payout will increase every year.
For example:
You Bought $100,000 (1851 shares) on SCHD 5 years ago at $54. Which paid $1.89 on dividend per share then (with dividend payout of $3498/yearly)
AFTER 5 without putting single dollar after 5 years price is $84 with dividend payout at $3 with (3.5%) on 1851 share dividend is $5553.
So basically $100,000 invested 5 years ago pays 5.5% dividend todays time and increased the value of principle. Early investing in dividend increases return on dividend percentage long run.
Hope this helps.
VOO, SCHD, AVUV and VTV for the US
Great video buddy. You are definitely on the right track I'm doing the same thing with my fidelity account they also hold my 401k
Loaded up on SCHD before tomorrow's 3to1 Split
I missed the memo until the day of, but wouldn't it make more sense to make a mass purchase AFTER the split occurs when the price is lower?
That is what I did with the bulk of my roth ira balance I had been sitting on. Spent $1100 and got about 30 shares. No way I would have gotten that much at $80+
This was great.. Excellent insight.
I'm in VIG, VYM and VNQ as well as SCHD
Solid ones for sure! Lots of cash flow
Great intel Nolan…. One of my favorites is: ITA (Military & Aerospace) IPPON 🥋💥
My husband decided to rollover growth 401K to IRA and put 90% in SCHD in June 2024 which resulted in $7000 first dividend distributions.
That’s great! 👏
This was some really good info thank you! I've been thinking some of these same things so thankuyou for the research to support it!
Happy you found value in it!
My biggest holding is SCHD but I also have a bunch in SCHD’s younger brother CGDV capital group dividend value fund which is like SCHD but is actively managed, lower dividend but it beats the S&P500, I love it
I also hold some CGDV
Jepi and schd, roughly 50/50 split between them.
Jepi for the monthly dividend, schd for long term value/growth chances and I believe it will continue to perform fine over the long term (thinking next 10-20 years).
The schd split made me excited. I did not expect it, but now I have 230 shares when I only hoped for 80 shares at the end of the year! Super happy right now. I may even consider having my jepi dividends go towards that for the time being while it is low to help build those shares while I can.
VYM for me over SCHD. I prefer the top 10 holdings of VYM over SCHD and believe they will assist in VYM outperforming SCHD over the next 12 month, albeit at a lesser dividend rate but with the same expense ratio..
I just threw another thousand in SCHD
I like DIA as a value play, has a good long track record, pays a monthly dividend & crashes less harder than SPY & QQQ.
bought up a total of 550 shares of SCHD in 2022 when it got down in the $66 and $68 share price ...looking fwd to the coming stock split now!
Nice work!
Great recap! Thanks!!! SCHD purchased
Buying up SCHV the last several months now (Schwabs Value ETF)
Good fund!
Sell covered calls, buy more Schd with your premium, and increase your returns
Interesting hypothesis. My own thinking is that, on a broad basis, value stock universe may outperform the growth stock universe, but many individual growth stocks such as AMZN and NFLX may outperform value stocks like PG and KO. We will know in a year's time. Thanks for the nice video.
SCHD is a preferred dividend stock
Yup!
Great for retirement, but I’m young so I’ll stick to VONG until I’m a multi-millionaire, then sell and put it into one of these high dividend ETFs to live off of plus 6% a year. That’s basically 9.5% total between that.
Good stuff Prof G! SCHD all the way :) but I’m sprinkling some QQQM too ha
I have 1800 shares of SCHD and I will continue buying 20 more shares per month…!!
Let's see if it's true today is October 5, 2024
SCHD @ $84.65
SMH @ 247.82. I am all in on SMH. Let's see in a year or 2. Lol. I have over 1100 shares of SMH 🎉🎉🎉🎉🎉🎉🎉
Currently at 1867.00 shares. The snowball is really growing now. The 3 - 1 split will help as well.
How will it help?
@IfI-o9g it opens up the ETF to a wider pool of investors.
As Warren Buffett once said . . . volatility is NOT risk. So long as your temperament is appropriate.
I prefer DGRO
@Professor G - thanks for your incredible insights. I would love to have look at my portfolio :)
Send me an email!
@@NolanGouveia just sent !
SCHD led me to look at and purchase CVX, UPS, and USB. I also picked up HESM.
keep pumping out those financial informational videos Professor G!!!!
Well explain thank you for bringing up this video Financial education is indeed required for more than 80% of the society in the country as very few are literate on the subject. Regardless of how bad in the economy I still make 90k from my investment of 12k Thanks to Keira Watson for her helpful guides
You're absolutely right, Financial education should be enforced in every level of education
I always wanted to trade for a long time but the volatility price has been confusing
So nice to see Keira Watson talked about here, her good works are speaking already, and like wide fire she's spreading
Is there anywhere I can get across this woman for a startup?
She's mostly Telegams, using the username below
Interesting take. For myself as an European investor I try to follow MSCI ACWI IMI index, which should give you 99% of the investable market capitalisation worldwide.
ill take 207%
JEPQ seems to be performing very well
XDTE pays weekly dividends ,
SCHD pays quarterly
I have both QQQ and SCHD. Seems like a win/win to me😅
qqq who can afford it at over 400 a share. You can clearly
@@Gabber44906 buy qqqm same thing but lower on price
I also forget to say on top of following your 3 etf strategy and percentages for my age , I also follow the 3 year rule of extra living expenses in my core cash account that you suggested to get you through trouble market times. Just need your advice if the 50-40-10 should shift to a different set of numbers before 2025
I remember last October when you said it would be smart to buy in at $70ish per share.
Im so grateful i did!!
Portfolio
50% DGRO 50% SCHD. Done.
Professor G, can you make a video about single-stock ETFs?
Hallelujah!!! I’m blessed and favored with $60,000 every week! Now I can afford anything and support the work of God and the church. For Your glory, LORD! HALLELUJAH!
This is what Melissa Jonas Richard does, she has changed my life.
After raising up to 60k trading with her, I bought a new house and car here in the US and also paid for my son’s (Oscar) surgery. Glory to God.shalom.
I know Melissa Jonas Richard, and I have also had success...
Absolutely! I have heard stories of people who started with little or no knowledge but managed to emerge victorious thanks to Melissa Jonas Richard.
Wow, that’s inspiring. How can I contact Melissa Jonas Richard?
Prof. G., can you do a video on how to invest in other countries, especially China.
You've got to take into consideration, the expense ratio on etf's, SCHD has a lower expense ratio than QQQ, expense ratio's can take away hard earned money.
For a 10 year horizon, I have a brokerage account that I'm going aggressive: 40% VGT, 40% SCHG, and 20% SCHD. Aiming to invest $300 monthly, goal is for the money to grow enough to pay off my future home. I'd do more, but with my new job I'm already doing 401K and will soon jump on an ESPP. But, I do have a ton of SCHD on my IRAs.
This dude loves saying CRAZY!
In your SCHD video on Monday, can you also discuss the tax implications of SCHD? Some people say it's tax-inefficient. Can you talk about how to account for that? Please and thank you!
My Roth IRA has ~ 745 SCHD, VTI, XLK, VYM, VXUS, and DGRO. Traditional Roth has 433 SCHD AND My taxable brokerage account has ~ 172 SCHD. 🎉💰💰
Iusv. It's at 52 week high or close to it. BRK-B, JPM JNJ, CVX PG, UNH, BAC, HD, PG, ABBV, KO, MRK
Great Learning from our ❤ Great professor G so far on Index fund/ ETF investment . 🙏🙏
I don't know jack, so don't listen to me, but AI and tech stocks are the future, in my opinion. AI will be essential for companies to maintain competitiveness. If the tech bubble bursts, I plan to have cash on-hand in my IRA and my solo 401k's to buy more VGT and possibly VUG. I do that to make lump sum buys when the market dips, such as the ~10% correction we had in August. The S&P dips about 10% once a year.
I do like SCHD when I'll be closer to retirement age, so I would like to convert my high risk funds in my Roth 401k to SCHD at that time. In the meantime, the most conservative forecast for VGT over the next 12 months is -10% growth. The best forecast is +45% growth. I guess I'll find out.
My primary focus shifted in February to buying up SCHD and VYM across separate accounts. Still cautiously buying select long term growth stocks and holding the ones i have though.
I was thinking about this the other day. Currently 35/35/30 in VOO, QQQM and SCHD, respectively in my brokerage acct. Thinking of making SCHD a higher percentage. I'm 53.
@Jpsantos94 so you’re a VT/BND guy? And that’s all anyone needs?
@@Bur6212you’re supposed to add more bonds as you age. Do 100 (minus) your age and that’s the percentage of bonds you might need.
@Jpsantos94
_"this is a terrible portfolio"_
Terrible is just your assumption.
_"you get closer to retirement"_
_"Closer"_ it's like 15years ahead???? 53 not 63.
You're on a right track so carry on! I'm currently VOO - 43%, QQQM - 22%, SCHD - 23%, SHLD - 12%.
We have the same etfs except i hold VT too! Keep on, we’re on the right track
40% SCHD, 40% SCHG, 20% VOO.
Thank you for your videos and information! May I get your thoughts on the Royce ETFs such as RVT and RMT? I found them recently and the returns since inception have been great. Seem to be safe from volatility and the yield is appealing. They also just raises their dividends. Thanks!
I'm following your 3 fund portfolio strategy and love this. Investing 10 dollar every day to Schd , Qqqm Splg. Should I stop investing Qqqm for now?
I’m still investing in all 3 as well
Thank you for your valuable content