- 521
- 768 807
Fundamentals of Finance
United States
เข้าร่วมเมื่อ 1 ธ.ค. 2021
Wall Street Insights for Main Street Investors.
NOT FINANCIAL ADVICE
NOT FINANCIAL ADVICE
SCHD Mistakes People Make (Top 4)
I cover the top 4 SCHD mistakes people make based on the hundreds of comments I've received. I cover oil, interest rates, income vs price appreciation, and more. And, this video has lifelong investment lessons whether you're invested in SCHD or not. Let's get into it!
If you want to learn more about investing from a CFA Charterholder currently in the industry, join our
FREE Discord: www.fundamentalsoffinance.com/discord
#fundamentalsoffinance #schd
Disclaimer: Not Financial Advice
The content provided on this channel, "Fundamentals of Finance," is for informational and educational purposes only. The information shared is not intended to be, and does not constitute, financial advice, investment advice, trading advice, or any other advice. You should not make any decision, financial, investment, trading, or otherwise, based on any of the information presented in this channel without undertaking independent due diligence and consultation with a professional broker or financial advisory.
The opinions expressed in this channel are those of the authors and do not necessarily reflect the views of any sponsors or affiliated parties. Any financial decision you make is at your own risk. "Fundamentals of Finance" will not be held liable for any losses or damages incurred as a result of your reliance on information provided on this channel.
Remember to always do your own research and consult with a qualified financial advisor before making any financial decisions.
If you want to learn more about investing from a CFA Charterholder currently in the industry, join our
FREE Discord: www.fundamentalsoffinance.com/discord
#fundamentalsoffinance #schd
Disclaimer: Not Financial Advice
The content provided on this channel, "Fundamentals of Finance," is for informational and educational purposes only. The information shared is not intended to be, and does not constitute, financial advice, investment advice, trading advice, or any other advice. You should not make any decision, financial, investment, trading, or otherwise, based on any of the information presented in this channel without undertaking independent due diligence and consultation with a professional broker or financial advisory.
The opinions expressed in this channel are those of the authors and do not necessarily reflect the views of any sponsors or affiliated parties. Any financial decision you make is at your own risk. "Fundamentals of Finance" will not be held liable for any losses or damages incurred as a result of your reliance on information provided on this channel.
Remember to always do your own research and consult with a qualified financial advisor before making any financial decisions.
มุมมอง: 8 755
วีดีโอ
SCHD Is Dropping Like a Rock: The REAL Reasons
มุมมอง 66K9 ชั่วโมงที่ผ่านมา
SCHD has been struggling, down 12 of the last 13 days. In this video, I’ll break down the three main reasons behind the drop and share some long-term perspective to help you stay on track. If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #fundamentalsoffinance #schd Disclaimer: Not Financia...
QDVO ETF: Reviewed by CFA Charterholder
มุมมอง 1.5K14 ชั่วโมงที่ผ่านมา
Is QDVO ETF a good income investment? As a CFA Charterholder, I dive deep into this new fund, which has been around for just 4 months. In this review, I grade QDVO on income level, income consistency (so far), long-term growth potential, downside protection, and tax efficiency. If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: w...
SMALLCAP INVESTING EXPLAINED & TOP FUNDS REVIEWED
มุมมอง 1.1K21 ชั่วโมงที่ผ่านมา
In this video, I break down everything you need to know about smallcap investing. Learn what smallcaps are, their role in a diversified portfolio, and why I believe smallcaps are especially attractive right now. I also highlight top smallcap funds across categories, including value, growth, passive core, international, micro-cap, and even leveraged ETFs. Funds discussed include: DFAT, TSCPX, DF...
SCHD vs FDVV vs CGDV: Reviewed by CFA Charterholder
มุมมอง 8Kหลายเดือนก่อน
Schwab US Dividend Equity ETF vs Fidelity High Dividend ETF vs Capital Group Dividend Value ETF...Any of these can be a part of an income portfolio and I cover their different approaches to value oriented dividend strategies. Let's get into it! If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/disco...
SPMO ETF: Reviewed by CFA Charterholder
มุมมอง 2.6Kหลายเดือนก่อน
Invesco S&P500 Momentum ETF (SPMO) has dominated the S&P500 since its launch in 2015. I cover how it works, how it fits into a portfolio, and clear up some misinformation on this ETF. If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord SPMO Explained by CFA Charterholder #fundamentalsoffinance...
Investment Impacts of a Trump Red Wave (Economy, Housing, Inflation, Interest Rates, Dollar, Etc)
มุมมอง 812หลายเดือนก่อน
If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #fundamentalsoffinance #trumpeconomy Disclaimer: Not Financial Advice The content provided on this channel, "Fundamentals of Finance," is for informational and educational purposes only. The information shared is not intended to be, and does ...
SVOL ETF: Reviewed by CFA Charterholder // The BEST INCOME INVESTMENT I've Ever Seen
มุมมอง 12Kหลายเดือนก่อน
SVOL: Simplify Volatility Premium ETF. This is the Best Income Investment I've Ever Seen. I will answer these three questions. What is the VIX? How does SVOL work? What role can it play in a portfolio? Let's get into it! If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #fundamentalsoffinanc...
BALI ETF vs PAPI ETF: Reviewed by CFA Charterholder
มุมมอง 1.7Kหลายเดือนก่อน
BALI ETF vs PAPI ETF...I compare them on 5 key metrics: Income level, Income consistency, Long-Term Growth Potential, Downside Protection, and Tax Efficiency. Let's get into it! If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #fundamentalsoffinance #etf Disclaimer: Not Financial Advice The...
JEPQ vs GPIQ vs QQQI: Reviewed by CFA Charterholder
มุมมอง 4.7Kหลายเดือนก่อน
JEPQ vs GPIQ vs QQQI...I compare them on 5 key metrics: Income level, Income consistency, Long-Term Growth Potential, Downside Protection, and Tax Efficiency. Let's get into it! If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #fundamentalsoffinance #jepq #qqq #etf Disclaimer: Not Financial...
GPIX vs JEPI vs SPYI: Reviewed by CFA Charterholder
มุมมอง 8Kหลายเดือนก่อน
GPIX vs JEPI vs SPYI...I compare them on 5 key metrics: Income level, Income consistency, Long-Term Growth Potential, Downside Protection, and Tax Efficiency. Let's get into it! If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #fundamentalsoffinance #jepi #etf Disclaimer: Not Financial Advi...
VOO LOST to This Fund 97% of the Time
มุมมอง 2K2 หลายเดือนก่อน
If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord Think nothing can consistently beat VOO? Think again. #fundamentalsoffinance #voo #etf Disclaimer: Not Financial Advice The content provided on this channel, "Fundamentals of Finance," is for informational and educational purposes only. The i...
Top Defense ETFs Reviewed by CFA // ITA vs XAR vs PPA vs SHLD vs DFEN
มุมมอง 1.5K2 หลายเดือนก่อน
This is Ethan, CFA Charterholder and Investment Professional, and at the request of Matt and our Discord, today I'll be reviewing the top defense ETFs, ITA, XAR, PPA, SHLD, GCAD, and DFAN. But more importantly, I'll also be showing you how you can do this kind of research yourself to figure out the best way to capitalize on investment opportunities that you see using only free tools out there i...
China Investment Opportunity of the Decade
มุมมอง 1K2 หลายเดือนก่อน
China could be the biggest investment opportunity of the DECADE. Is now the right time? If so, what's a good way to invest? All of that and more in today's video. If you're new here, I'm Ethan, I'm a CFA charterholder, investment professional, and I just so happen to work with some of the most successful emerging markets investors in the world on a daily basis, including many that are based in ...
Fed Rate Cuts Explained // Buy Bonds Now?
มุมมอง 3952 หลายเดือนก่อน
If you want to learn more about investing from a CFA Charterholder currently in the industry, join our FREE Discord: www.fundamentalsoffinance.com/discord #interestrates Disclaimer: Not Financial Advice The content provided on this channel, "Fundamentals of Finance," is for informational and educational purposes only. The information shared is not intended to be, and does not constitute, financ...
RDTE ETF is a GIMMICK. Don't Be Fooled.
มุมมอง 3K3 หลายเดือนก่อน
RDTE ETF is a GIMMICK. Don't Be Fooled.
THE ULTIMATE RETIREMENT INCOME GUIDE: Dividends, REITs, Covered Call ETFs, High-Yield Bonds, & More
มุมมอง 2.8K3 หลายเดือนก่อน
THE ULTIMATE RETIREMENT INCOME GUIDE: Dividends, REITs, Covered Call ETFs, High-Yield Bonds, & More
Why DIVO Beats JEPI, SPYI, XYLD & Others // CFA Charterholder Explains
มุมมอง 3.2K3 หลายเดือนก่อน
Why DIVO Beats JEPI, SPYI, XYLD & Others // CFA Charterholder Explains
XDTE and QDTE Explained by CFA Charterholder
มุมมอง 3.2K3 หลายเดือนก่อน
XDTE and QDTE Explained by CFA Charterholder
SPYI vs JEPI vs QYLD // CFA Charterholder Explains
มุมมอง 8943 หลายเดือนก่อน
SPYI vs JEPI vs QYLD // CFA Charterholder Explains
Why the Coming Tech Crash Will DEVESTATE VOO, VGT, JEPQ, and Other Popular ETFs
มุมมอง 1.3K4 หลายเดือนก่อน
Why the Coming Tech Crash Will DEVESTATE VOO, VGT, JEPQ, and Other Popular ETFs
WHEN TO SELL AN ETF: Explained by CFA Charterholder
มุมมอง 3554 หลายเดือนก่อน
WHEN TO SELL AN ETF: Explained by CFA Charterholder
HOW CONFIRMATION BIAS IS RUINING OUR COUNTRY AND YOUR INVESTMENTS
มุมมอง 1574 หลายเดือนก่อน
HOW CONFIRMATION BIAS IS RUINING OUR COUNTRY AND YOUR INVESTMENTS
JAPANESE YEN ETF YCL (HUGE OPPORTUNITY!)
มุมมอง 4124 หลายเดือนก่อน
JAPANESE YEN ETF YCL (HUGE OPPORTUNITY!)
CONSERVATISM BIAS EXPLAINED (My Biggest Investment Mistake!)
มุมมอง 2034 หลายเดือนก่อน
CONSERVATISM BIAS EXPLAINED (My Biggest Investment Mistake!)
EVERYTHING YOU THINK YOU KNOW ABOUT INVESTING IS WRONG
มุมมอง 2915 หลายเดือนก่อน
EVERYTHING YOU THINK YOU KNOW ABOUT INVESTING IS WRONG
ENDOWMENT EFFECT EXPLAINED (And How It Sabotages Your Investment Decisions)
มุมมอง 1945 หลายเดือนก่อน
ENDOWMENT EFFECT EXPLAINED (And How It Sabotages Your Investment Decisions)
Hello Ethan, could you please recommend me another dividend ETC which do you like and prefer? Thank you David
Hi , great video . I totally agree with you , though somehow there has been so much hype about de-dollarisation. Want to ask if you have update on your view of the BRICS and de-dollarisation at this point in time ( end of 2024) . Thank u
Thank you. And to answer your question, nothing has changed, so all of my views are still the same
Video on AVUV would be great!!!!!!! Thanks for the awesome content!!!!
I've taken advantage of the recent dip to buy another 100 shares of SCHD. This is a long term investment for me.
Buying Dip; Stochastics indicate (to me) a near term bottom; further declines cannot be ruled out however.
Sometimes schd is up ten percent in ten days. Show us the chart and how often that happened please.
So, in other words, this thing is garbage
Haha no, it's just value-oriented. Times like this happen to all investments
Thank you for sharing such an in-depth analysis , it is very useful to understand how to assess an etf . May I ask if you can do videos on pairing ETFs . Eg in your divo video you showed a chart where DIVO shows balanced attributes between Schd and JEPQ . So what if someone holds a portfolio of 50 % schd + 50 % JEPQ VS 100 % DIVO . Or 50% schd + 50 % QQQM VS 100 % divo . Thanks !
$INFTY3 has exceeded all my expectations as an investor. The team's experience, passion, and commitment to transparency are unrivalled. Join the presale and be part of this extraordinary success story!
I've done my research on $INFTY3 , and it seems like a solid investment opportunity. Excited to be a part of it!
Jumped on the $INFTY3 presale train and haven't looked back. Join me!
$INFTY3, the first token that is controlled by itself instead of owners or anybody else, is the best token in the world.
Yes, we are now over the deadline for those currencies, but fortunately, there are still other options available, such as $INFTY3.
The application cases for $INFTY3 fascinate me. The future is promising!
What makes you think there is no way? Do you know about $INFTY3? The price of this will soar to skyrocket
No way for what? What are you referring to?
The potential for $INFTY3 to hit $10 is very promising. Fingers crossed for a good journey!
$INFTY3, the first token that is controlled by itself instead of owners or anybody else, is the smartest token in the universe.
Presale excitement for $INFTY3 is off the charts. Don't wait, join today!
$INFTY3 is gonna pop anytime soon
You contend there is no way, but why? Are you familiar with the $INFTY3? This is going to rise to new heights.
Why do you say there is no way? Do you know about $INFTY3? This is going to fly to new heights.
I watch your videos then do some digging myself. I'm already invested in AVUV (a small cap ETF which much more reasonable ER's) and compared it to TSCPX and found AVUV much more compelling. It hasn't been around as long per se but it's kept up enough that after ER's are paid, it more than holds it weight.
Your explanation of graph comparing the DIVO JEPI SCHD is ingenious . I have never heard someone explain it like this before . Thank u.
So just to make sure I do understand dividend investing correctly. With a dividend ETF like SCHD it pays $.99 per share owned correct? So if you own 100 shares at $28 you are getting paid $.99(price per share) x 100 (number of shares). Even if the share price drops 10% to $90 you are still getting paid the exact same thing right? $.99 x 100? Am I right on this?
Maybe. The dividend it pays comes from the dividends the underlying stocks in the ETF pay. Little 2 week price fluctuations like this won't matter. But ultimately dividends are paid out of company profits. If the stock prices keep going down, things probably aren't going well for the companies and they may have to cut their dividends. And, more importantly, if you have money in your account you can create an income stream but if you don't, you can't, so the only thing that really matters is total return.
Your assumption is correct - despite the fluctuations of the price of a stock or ETF, you’ll always get the dividend per share. With SCHD the dividends are fluctuating but, let’s say, Altria (MO) pays $1.02/quarter per share. If you buy MO for $40 or $55, it still pays $1.02/share every 3 months.
There's a lot of dumb people in the world.
Yes there are
In 5min u calculate with yield which is still 5% when price is falling ->>> that’s means u calculate cutting dividends , if not and dividend remains same or increases , yield would be higher and higher. S-
Yes, well first of all this is an oversimplified example to help people understand why you can't just ignore price appreciation in the long run. 2nd, yes, where do you think the dividends in SCHD come from? They're the dividends the underlying stocks pay. And where do you think those come from? They come from their earnings. So if the stock prices keep falling, that probably tells you the earnings are falling, and you know what that leads to? Dividend cuts.
Awesome content, much thanks, do you not believe Dividend Income Investing is a legitimate strategy as I have been using that strategy for a few years now and it allows one to harvest the dividends to finance ones investing adventure, without having to tap into ones active income.
Thank you! No it's a totally legitimate strategy, but in my opinion dividend stocks are attractive because they are often in different industries and provide diversification from growth stocks, and because they typically have less downside risk in most stock market downturns. However the actual dividend itself isn't important. Only total return matters. But when I'm retired I'll own mostly dividend-oriented strategies for the lower volatility return profile they provide. I will create a steady income stream with a systematic withdrawal plan though, not subject myself to the uncertainty of dividend income thst bounces around month to month.
Well!!! Since my last question got such a good response on how wrong it was, i have another one : since schd is pissing me off so much (being a flawed emotional investor that I am) I'm thine about replacing my position in it with the Blackrock BDJ closed end fund. Seems to have a similar defensive holding portfolio plus some income via options trading and it yields double, almost 8%.
Your example at 5:00 seems to display a lack of understanding of yields and dividends.
It's an oversimplified example to help people understand why you can't just completely ignore price appreciation in the long run. I said that in the video...
May I ask of anyone know - is there a price difference if I buy FDVV at fidelity or at Schwab ? And similarly , is there price difference if I buy schd at Schwab or at fidelity ? Thank you !!
No price difference for ETFs on different platforms except sometimes if they charge a separate transaction fee. Vanguard does that for some non-vanguard funds but I'm not aware of that at fidelity and I know schwab doesn't
Thank you for your reply !
Hi can I also ask for your insight , on why JEPI has been dropping bad but JEPQ has been going up ? Thank u 😊
Tech stocks have been doing really well lately. Jepi owns more of the same kinds of stocks that schd owns.
Trump Maga 2025 unstoppable
SCHD- price appreciation led to a stock split 3 to 1 which means the price appreciation was internalized and shareholders receive two additional dividend payouts
Actually a stock split wouldn't impact the dividend. You'd have 3x the shares at 1/3 the value and your dividend would also be 1/3 the value per share (so exactly the same value since you have 3x as many shares)
@ but the dividend didn’t go to a third it increased as well. That is in the case of SCHD.
If you own 1k of SCHD, where its in 37 shares (at 27$) or 12 shares at pre-split price.... The dividend is still 3.3 percent of $1000 total investment
I do not care about the price because I purchase schd 5 dollars per day.
Competition from bonds.
How would a pure drawdown strategy worked out for someone living off investments from ~2000 to 2014? Terribly, is the answer. Now if they had a portfolio of dividend etf for bare essentials combined with a growth etf or total market etf they'd have done great. They'd have paid their bills and excess cashflow could be reinvested in broad total market or growth, in effect particiapting in one of the best buying opportunities of our lifetime. Thats what works for me at least. I will have about ~750k in dividend etf while still working and all excess cash from dividends and w2 will go into vti, vug or similar like schg. anytime market is at all time highs and need to pay yourself a big dividend, sell the growth shares. when the cycle goes into recession or a bubble bursts, dividend etf overall will still pay if i lose my job.
Number 1 problem people have with schd.....buying it to start with. Schd is the most over hyped and under delivering etf on the market. Far better options available
You high?
I agree CGDV is a better option. We mentioned that in our first SCHD video ~9mo ago 😁
@@FundamentalsofFinance Don't be a short term investor. Look at the total return over the long term
Thanks for the video
You're welcome! Thanks for the comment!
Isn't a strong currency one that goes up over time?
Well, that would be a strengthening currency. But it could be strengthening from a very weak position and still not be strong yet.
SCHD was on sale today. So I bought some.
On sale compared to last month. Might be on sale next month compared to this month
@ then I will buy a little more.
@philschiavone101 good luck
You still don't understand the stock vs bond investing decisions investors make. So to put it another way, if bonds yielded 30% don't you think a lot of investors would move from dividend stocks to bonds? And the reverse is true when bond yields go really low.
There are bonds that yield 30%. I don't see a lot of investors buying Turkey's debt in place of stocks. I'm not saying no one would every make that choice to switch to treasuries, I'm saying they shouldn't. This video is about mistakes people make with SCHD. If you owned treasuries and then moved to SCHD because Treasury rates went down to 2%, that would be a very dangerous decision because you'd be taking on a significant amount more risk. Treasury bonds and SCHD are absolutely not alternatives for each other. But you're right, I'm just a CFA charterholder and career investment professional, I probably don't understand.
@FundamentalsofFinance Your theory is correct but it doesn't give with reality. The point is what investors actually do not what they should do. Investors will move to SCHD if interest rates drop drastically which will boost the price of SCHD. Simple demand theory. But yes every CFA is taught to stick to the golden 60/40 or whatever percentage split you want to choose rather than do the research to maximize returns. Safety first
I'm +15% on JEPQ. What to transfer into?
It's total return that matters, not just price appreciation. If the price of two stocks rise by the exact same percentage each year but one of the two also pays a dividend wouldn't you prefer one over the other?
I would only every consider total return so if one had a higher return, yes i would prefer that. I would think anyone would
If you are in a regular (not tax advantaged) account, dividends are INFERIOR. They are taxed as income. Other appreciation is taxed as a capital gain, which I substantially favorable tax treatment over dividends
@@QuakerPop No, qualified dividends are taxed as LTCG.
@@FundamentalsofFinance okay, thought you said price appreciation was the determining factor in the video
We can see you have a mindset of prioritising total return. This is not the same as the income investor mindset. I feel you did not fully understand the comment from the income investor. In your model you assume the yield is fixed relative to the capital value. My guess is the comment meant the income is fixed or increasing so that if the price falls the yield will increase. It is a matter of mindset neither is right or wrong. Focussing on rising cashflow can in the long term produce capital growth as the assets providing that cash become more valuable over time. Rising total returns can deliver more cash over time particularly if the yield is fairly constant.
Right but that's a misunderstanding of how income and yield work. Yield is the last year of div payments divided by the current stock price. If the stock price goes down, the yield goes up in that moment. Your income didn't change but the yield %will appear higher. But going forward, if the company isn't doing well, eventually it will have to cut its dividend. So, price appreciation is not something you can ignore. On the other hand, what I'm trying to explain to people is that total return is the only thing that matters. If you have money in your account you can create an income stream. If you don't, you can't. I can't tell you how many people i hear say they hate this ETF or that one because it cut its dividend one month... just an unnecessarily stressful way to live imo.
I agree dividends are based on company performance/earnings vs stock price, which is your argument, but they are related. He may be making the assumption that a negative forecast on earnings is the reason for the lower the stock price - assuming the forecast comes true, this would align the two views. Of course markets are never fully efficient, and companies could also force themselves to pay a dividend that they cannot afford in short-term, so that's why there's always volatility.
@@FundamentalsofFinance We all know how income and yields work but do not all invest the same way or have the same mindset.
SCHD is a long play and a good base for some portfolios
Agree
@5:00 That argument that you make has nothing to do with the comment. The comment, even the part you highlighted, clearly states, "The income stream is more important than the price appreciation...." Your argument starts of with an income that is based on yield and then you have the price drop. Well, that immediately would cause the person who posted the comment to take notice. They said the INCOME was more important, not yield, Yield is your appearing to strawman. Also, more important doesn't mean 'the only important thing'. Two things can be important and desired but one can have priority over the other and that doesn't mean that you completely ignore what the other is doing because one is ranked more important than the second thing.
Seems I picked up on the same point.
Well I'm responding to many comments along those same lines, not just that one, and there is a key misconception that only the income matters. If it goes down, whatever. Incorrect. Your future income is based on the share price/NAV. That's what I'm explaining here. And, mathematically, the income stream has literally 0 relevance to your outcome (except sometimes for tax reasons). Unpopular opinion on TH-cam but the CFA institute agrees. I tried to explain why... that you can create your own income stream if there's money in your account and your income stream will inevitably fall if the value of your investment goes down over time but maybe i didn't do a good job since it doesn't seem like that was clear.
Your yield/income example is wrong on too many levels to explain, the math is just wrong
You are correct he missed it
Yes, of course, that's what a simple example means... It was simplified to make it easy to understand. Also things don't go up or down exactly 10% each year and these are fake hypothetical investments.
Could you create a video comparing JAAA, JBBB, ECC, and CLOZ ETFs, highlighting their differences and associated risks?
xxx
Problem is, nobody can predict anything. You can buy low, and it goes lower. You can sell high, and it goes higher. I dont invest in SCHD. But set and forget is the best way to go. Dont focus on short term movements
Yep 100% agree. That's why I said it's better not to react at all but if you must, trying to buy low is better than chasing what's hot
Value is better than momentum in other words? Hard to find an etf with value rn!
@@jayk9068 SCHD is a large cap value fund