If I had to begin from scratch, I would buy SCHD, VIG, Realty Income, Microsoft and Lockheed Martin. I also like the Visa position that I began in July -- definitely doing well.
I've been investing for about 5 years and I'm finally taking the idea of being more economic savy when analyzing stocks more seriously, beyond looking at the dividend yield and history. Your point on why you wouldn't invest in SCHD makes a lot of sense and I would've never thought of it that way. Appreciate your insight🙏🏾
Great video Ryne. Finally have enough subs that I'm getting to do videos answering viewer questions too! One of my favorite types of content to both create and to watch. Really enjoyed this one my friend. Looking forward to your Investor's Almanac!
I like 40% voo, 20% schd, 20% dgro, and 20% individual stocks. I’m nearing 50 years old, so not quite ready for conservative mode, but also not all in for growth at all costs.
I would have liked to put more on SCHD from the beginning of my journey, instead I was more speculating or gambling on individual stocks. I know better nowadays and learned from my foolish mistakes and diversified my portfolio with more high quality dividend stocks and ETFs, while a small portion is still in individual stocks (which I now trim 10% above my average basis and add 10% below, this way I am taking profits along the way and building up the share count).
I’m just doing the basic 3 fund (foundation/dividend income/growth), but I put our employed kids in just the S&P 500 thinking it’s safe growth/low dividend, and I should leave some investing decisions for them as they age. Plus they are all age 16-19 so time is on their side. As a parent I just don’t want to mess anything up for them.
If I could do it all over again with my initial 20k investment. I would have done 40% IVV, 30% QQQ, 20% SCHD, 10% IJR. Once I developed that core of ETFS then I would begin adding individual companies with any new money coming into the account. Always a critic of my past investments but most important is to learn from your mistakes/missed opportunities!
If i could start from scratch? Well I'd have done it 20 years sooner haha. But that's not fair to myself since investing that long ago was annoying and had a ton of fees.
Im a little simple with my current strategy (and im open to changing it up in the future too). Im on Fidelity for my taxable and roth account (to keep it less complicated) For my roth, im invested into index funds. FXAIX, FXNAX, and FTIHX For my individual account I'm doing SCHD and VOO for my etfs and 5 to 6 stocks. Currently have only 5 but i might buy a 6th. My stocks are V, O, MO, WMT, and JNJ. I'm thinking about buying KO, WM, or PEP. I want to buy CVX or EPD but im hesitate about oil stocks when considering the conflict in the middle east right now
No I wouldn't go 100% SCHD but I'd probably go with 100% ETFs or index funds. Similar to what I have in my daughters custodial accounts. SCHD, VUG or SCHG and VWO something along those lines.
When I started I had few stocks, few ETFs, but after some times I have different aproach. I just want as simple way as possible. I have 1/3 in SP500, 1/3 Nadaq and 1/3 of my monthly investment in SCHD. If I see anything better (stock, etf) I just dumb money into that instead (like two weeks ago amzn for 150, msft under 390 🎉 etc.)
I switched from 100% stocks 2 years ago to 65% ETFs today. Im holding too any bags - NIO, MPW, BABA, WBA. Fortunately, in the process of changing to ETFs, I dumped LEG, PFE, CBRL, INTC, SPWR, CHPT just in time, before they became losers. I wish I never had gotten into individual stocks.
If I had to start over, I would DCA my way into investing, instead of jumping all in. Another thing, I would have been more patient. The last thing...don't be too quick to sell.
Hi Ryne great content like always! A question for you... With a portfolio increasing in size and dividend payout, if you keep re-investing this payout for that nice snowball effect, how would you decide to cash out some of your earnings: would you take it out by selling stock and shares, or just pre-emptively save some of the earned dividend without re-investing? I've been investing for 3years now with a decent annual and monthly dividend income, and it would be nice to "get something in return" in the form of quick-spend-cash.
If I started over, I would have SCHD and VYM and still have around 10 companies but focus more on dividend growth over higher dividend yield. Slowly I would build up to around 20-25 stocks and ETFs. I would not have a stock more than 5% of my overall portfolio. ETFs could be higher around 10%. This is for my dividend portfolio. I have Roths, HSAs, and 401k that have the VOOs and SP500 growth focus so not adding those as this is my strategy for my mostly dividend portfolio.
If I could start all over again I would like to change my strategy to just stick with it. I first dabbled in early 1987 and pulled my money out on a Friday in October after watching my position slide. Turned out the following Monday was Black Monday. Just sprinkling chump change into the market and riding it up and down would have made me stinking rich by now.
Knowing your overall Portfolio statistics at around 3% yield and 8% dividend cagr I think the stocks of HSY and PEP could be interesting for you. Would be curious for your opinion
Hey Ryne, I completely agree with the idea of reducing the number of stocks in a portfolio. Personally, I find it challenging to cut down from my current 20 stocks to just 10. But here’s a beginner question: If I only have 3 stocks in my portfolio, does that mean in a few years all three will likely be 50% higher(hopefully) than my average purchase price. So, would I just keep buying and end up increasing my average price?
I'm not sure if all three will be 50% higher. It depends on how the businesses perform. And if you continue to DCA into just those three, yes you'll end up increasing your average price
What are your approaches to your Roth IRA vs your taxable brokerage account? I started out my investing journey last year investing first in a taxable account and am just now starting out with investing in a Roth. For my taxable account I made a few mistakes right out of the gate that I almost instantly regretted but with the Roth I am focusing in on a simple three ETF portfolio consisting of (VOO, FTEC, DGRO). I am still in the process of correcting the mistakes I made in my taxable account.
I would take the satellite approach Foundation would be 60% VTI or VOO Dividend growth 15% DGRO Dividend value 15% SCHD Individual REITS 5% International 5% VXUS
With charles schwab you can buy slices of a stock. I bought $9 of AVGO a yr ago. It shot up 120%, it split and they paid me $22. JNJ split off to KVUE and they gave me $. COST pays a special dividend. Mars bought Kellog and they are paying cash. I got a free share of Warner Brother because I owned another share. With that being said, I think you are losing out by not having a small piece in some of these big companies. I have about 30 SCHD, great ETF. But if you only have ETF's you are losing out on buy backs, special dividends, stock split. SCHD, VOO, VYM, and all ETF's have their portfolios publicly accessible. The more shares I have, I get paid more often. I don't want to miss out on the free money .
If you have only SCHD you don't really get to maximize your dividend returns and the growth returns. SCHD has a 3.65% div return while CVS, DUK, MAIN, and VICI have returns greater than 4% while having a great price appreciation. You can also have 10%-15% of your portfolio have QQQI, JEPI, and or JEPQ to enjoy super high dividend income. SCHD is as mentioned good foundation.
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the advice i got when i started was, wipe your ass , then look who makes your toilet paper. and buy that one I did.
Haha that’s pretty good advice 😂👏
Weird flex, but ok
Love it
If I had to begin from scratch, I would buy SCHD, VIG, Realty Income, Microsoft and Lockheed Martin. I also like the Visa position that I began in July -- definitely doing well.
Nice, that’d be a really good looking portfolio
I've been investing for about 5 years and I'm finally taking the idea of being more economic savy when analyzing stocks more seriously, beyond looking at the dividend yield and history.
Your point on why you wouldn't invest in SCHD makes a lot of sense and I would've never thought of it that way. Appreciate your insight🙏🏾
Thank you man! And yea there's so much to look at beyond just the dividend stats
Great video Ryne. Finally have enough subs that I'm getting to do videos answering viewer questions too! One of my favorite types of content to both create and to watch. Really enjoyed this one my friend. Looking forward to your Investor's Almanac!
Man that's very cool, congratulations on the channel growth! Keep it up 👏
I like 40% voo, 20% schd, 20% dgro, and 20% individual stocks.
I’m nearing 50 years old, so not quite ready for conservative mode, but also not all in for growth at all costs.
That’s a solid balance
I would have liked to put more on SCHD from the beginning of my journey, instead I was more speculating or gambling on individual stocks. I know better nowadays and learned from my foolish mistakes and diversified my portfolio with more high quality dividend stocks and ETFs, while a small portion is still in individual stocks (which I now trim 10% above my average basis and add 10% below, this way I am taking profits along the way and building up the share count).
Sounds like you’ve got a good system in place
I’m just doing the basic 3 fund (foundation/dividend income/growth), but I put our employed kids in just the S&P 500 thinking it’s safe growth/low dividend, and I should leave some investing decisions for them as they age. Plus they are all age 16-19 so time is on their side. As a parent I just don’t want to mess anything up for them.
If I could do it all over again with my initial 20k investment. I would have done 40% IVV, 30% QQQ, 20% SCHD, 10% IJR. Once I developed that core of ETFS then I would begin adding individual companies with any new money coming into the account. Always a critic of my past investments but most important is to learn from your mistakes/missed opportunities!
Very true...this is all just one big learning experience
If i could start from scratch? Well I'd have done it 20 years sooner haha. But that's not fair to myself since investing that long ago was annoying and had a ton of fees.
Haha I get you there...I wish I would've started investing right when I got my first job at 16. It would've made a big difference.
This! My reconciliation is setting up our teens with Roths as each one gets a job.
Im a little simple with my current strategy (and im open to changing it up in the future too). Im on Fidelity for my taxable and roth account (to keep it less complicated)
For my roth, im invested into index funds. FXAIX, FXNAX, and FTIHX
For my individual account I'm doing SCHD and VOO for my etfs and 5 to 6 stocks. Currently have only 5 but i might buy a 6th. My stocks are V, O, MO, WMT, and JNJ. I'm thinking about buying KO, WM, or PEP. I want to buy CVX or EPD but im hesitate about oil stocks when considering the conflict in the middle east right now
No I wouldn't go 100% SCHD but I'd probably go with 100% ETFs or index funds. Similar to what I have in my daughters custodial accounts. SCHD, VUG or SCHG and VWO something along those lines.
When I started I had few stocks, few ETFs, but after some times I have different aproach. I just want as simple way as possible. I have 1/3 in SP500, 1/3 Nadaq and 1/3 of my monthly investment in SCHD. If I see anything better (stock, etf) I just dumb money into that instead (like two weeks ago amzn for 150, msft under 390 🎉 etc.)
I switched from 100% stocks 2 years ago to 65% ETFs today. Im holding too any bags - NIO, MPW, BABA, WBA. Fortunately, in the process of changing to ETFs, I dumped LEG, PFE, CBRL, INTC, SPWR, CHPT just in time, before they became losers. I wish I never had gotten into individual stocks.
Sounds like you're headed in a better direction!
If I had to start over, I would DCA my way into investing, instead of jumping all in. Another thing, I would have been more patient. The last thing...don't be too quick to sell.
Those are all great lessons - thank you for sharing!
Hi Ryne great content like always! A question for you... With a portfolio increasing in size and dividend payout, if you keep re-investing this payout for that nice snowball effect, how would you decide to cash out some of your earnings: would you take it out by selling stock and shares, or just pre-emptively save some of the earned dividend without re-investing? I've been investing for 3years now with a decent annual and monthly dividend income, and it would be nice to "get something in return" in the form of quick-spend-cash.
I personally wouldn’t sell any stock if I could help it. That’s kind of goes against the whole essence of dividend investing.
If I started over, I would have SCHD and VYM and still have around 10 companies but focus more on dividend growth over higher dividend yield. Slowly I would build up to around 20-25 stocks and ETFs. I would not have a stock more than 5% of my overall portfolio. ETFs could be higher around 10%. This is for my dividend portfolio. I have Roths, HSAs, and 401k that have the VOOs and SP500 growth focus so not adding those as this is my strategy for my mostly dividend portfolio.
Thanks for sharing all of that!
Perfect timing! 🔥
Thanks for tuning in man!
Why go 100% on either way when you can do both, thats why my portfolio is 50% in ETFs and 50% in individual stocks
Some people prefer to just not think about it, which is why they’d go 100% into ETFs. Nothing wrong with that
@@rynewilliams that's true, some people really want it to be hands off so ETFs are great for that
@@MalaysianDividendInvestor-g7h I'm invested into ETFs for that same reason, it makes my life easier haha
I’m a 50-50 guy too. Maybe closer to 60-40 bc if I can’t find a good stock deal at certain times I’ll double down that week on ETFs.
@@TheDGICrab I don't mind going 60 40 too, maybe when the market is too expensive I'll go 60 on ETFs
New video! 🎉
Thanks Ryne! Solid video as usual! Keep on growing!!!
@@JanisRay-k8i thank you my friend! You do the same 📈
40% schd, 40% schg. Remaining 20% spread out in legitimate companies I believe in. Some Tesla, some oil, some energy. And Ovs some Costco lol
Nice, that’s a solid breakdown
If I could start all over again I would like to change my strategy to just stick with it. I first dabbled in early 1987 and pulled my money out on a Friday in October after watching my position slide. Turned out the following Monday was Black Monday. Just sprinkling chump change into the market and riding it up and down would have made me stinking rich by now.
I get you. As the saying goes, time in the market > timing the market
Another great video , at the moment I’m only invested in nvda , o , sbux & two etfs S&P 500 , ftse all world
Thanks for sharing that!
If I started over will go with VOO,VUG.SCHD and 3 individual stocks (O,ABBV & V)
Not a bad move!
30 schg 40 splg 30 schd
That'd be a solid spread
To late. Bought 100 shares at $80.11
Along with $VOO and $QQQM.
Yikes
@@paragonknight3307 it’s all good currently up. Still have extra cash in the account in case of another drop.
Knowing your overall Portfolio statistics at around 3% yield and 8% dividend cagr I think the stocks of HSY and PEP could be interesting for you. Would be curious for your opinion
Solid companies!
0:49 damn that SBUX and T price back then was criminal 😂
😂
Hey Ryne, I completely agree with the idea of reducing the number of stocks in a portfolio. Personally, I find it challenging to cut down from my current 20 stocks to just 10. But here’s a beginner question: If I only have 3 stocks in my portfolio, does that mean in a few years all three will likely be 50% higher(hopefully) than my average purchase price. So, would I just keep buying and end up increasing my average price?
I'm not sure if all three will be 50% higher. It depends on how the businesses perform. And if you continue to DCA into just those three, yes you'll end up increasing your average price
What are your approaches to your Roth IRA vs your taxable brokerage account? I started out my investing journey last year investing first in a taxable account and am just now starting out with investing in a Roth. For my taxable account I made a few mistakes right out of the gate that I almost instantly regretted but with the Roth I am focusing in on a simple three ETF portfolio consisting of (VOO, FTEC, DGRO). I am still in the process of correcting the mistakes I made in my taxable account.
I personally invest into both my taxable and Roth every week. My Roth is just SCHD + VOO while my taxable is all individual companies
I have found that I just prefer ETFs. I have 4 ETFs that do what I need and so far I'm loving the results.🎉
Nice, I’m glad you’ve found something that works for you. That’s great!
In a 10 stock portfolio, is there an ideal percentage for holding two ETF’s?
Nope, there is no ideal percentage
It depends on a myriad of factors I think. How heavy into ETFs do you want to be?
Grabbed 300 shares of $OXY today.
Hell yeah bro!, I've had a limit order in for a while now at $50 flat, not sure if it will ever dip that low
What about ups stock
I'm unsure about it right now. The payout ratio has me concerned
Another good shirt.
Thank you! Black Flag is probably one of my favorite punk bands
You'll be surprised what I bought this week. Looking forward to happy hour tomorrow.
I'll be excited to hear about it!
Hey Ryan for some reason I'm not getting notifications for your channel for the live shows do you know why.
@@mcvein355 interesting! I’m not doing a live today, so you wouldn’t have received one today anyway.
I would take the satellite approach
Foundation would be 60% VTI or VOO
Dividend growth 15% DGRO
Dividend value 15% SCHD
Individual REITS 5%
International 5% VXUS
Sounds like a solid spread
My ROTH IRA portfolio looks like this:
Foundational ETF
37% VOO
Growth ETF
28% SCHG
17% VGT
Dividend ETF
18% SCHD
Whats your thought
Looks solid
I would set up my portfolio 45% In schd n 55% in individual
That’d be a solid split
SCHG, IVV, DGRO, pltr, nu, nvda
Ngl if I had to restart I’d just do 3 ETF’s or maybe even 2 being VOO and SCHD or SCHD and SCHG
That wouldn't be a bad way to go
Ryne, what is your opinion on Voo vs splg?
I think they’re probably more/less the same. SPLG has a slightly lower expense ratio though
@@rynewilliams Thank you
With charles schwab you can buy slices of a stock. I bought $9 of AVGO a yr ago. It shot up 120%, it split and they paid me $22. JNJ split off to KVUE and they gave me $. COST pays a special dividend. Mars bought Kellog and they are paying cash. I got a free share of Warner Brother because I owned another share. With that being said, I think you are losing out by not having a small piece in some of these big companies. I have about 30 SCHD, great ETF. But if you only have ETF's you are losing out on buy backs, special dividends, stock split. SCHD, VOO, VYM, and all ETF's have their portfolios publicly accessible. The more shares I have, I get paid more often. I don't want to miss out on the free money .
Lets leave all in to SCHD to Stan 😊
Haha there you go 😂
If you have only SCHD you don't really get to maximize your dividend returns and the growth returns. SCHD has a 3.65% div return while CVS, DUK, MAIN, and VICI have returns greater than 4% while having a great price appreciation. You can also have 10%-15% of your portfolio have QQQI, JEPI, and or JEPQ to enjoy super high dividend income. SCHD is as mentioned good foundation.
Some of them are higher risk or not capital gain.
You can't be serious talking about CVS
Definitely had too many individuals stocks, trying to still reduce it to this day. Finally sold at a loss in AMC this week.
That’s okay man…sounds like you’re taking steps in the right direction 👏
Yessirrr
Sold Starbucks, Nike, and Tesla. Only focused on SCHD, VTI, Apple, Amazon, Nvidia, IUSB, TFLO, IEFA, VWO, and SOUN
It's funny but it's true and also sad that most of us got confused by the stock price in the beginning
Yea it’s an easy thing to be confused about. Hopefully my answer to that question made sense
Dividend portfolio:
SCHD
VYM
SPYD
DIVO
ARCC
HESM
….. and some growth SPLG.
Solid picks!