SCHD is basically an index fund of strong companies that pay out dividends. It only has an expense ratio of 0.06% and has performed well since it came about 10 or so years ago. I highly recommend people consider adding it to their portfolio. With enough time, you can use those dividends later in life to largely live off of without touching the principle.
I’m sorry if this comes across as offensive, I really don’t mean for it to be but, if you dont know how to add stocks into your portfolio, you need to learn a lot more basics before you even pick anything to invest in.
Dividends from the stock market encouraged me to begin investing. What matters, in my opinion, is that if you invest and make additional passive income in addition to dividends, you will be able to live off of dividends without selling. It implies that you can provide that benefit for your children, giving them a head start in life. I've invested more than “$600K” in dividend stocks through my asset manager and will continue to do so until the price falls even further.
I’ve felt like an outsider looking in since I first bought dividends kn 2018. I planned to do more research and increase my earnings but I got lazy and forgot. So now its time to stop being stubborn and. Ask for help. Can you tell me where to get answers?
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.
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
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?
I started my 250k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education! Will this provide solid cashflow?
I agree, it's important to balance your portfolio allocations. I recommend a managed portfolio, though their performance can vary. It's best to consult a fiduciary for guidance. That's what my spouse and I did, and we've grown our portfolio to $1.7 million.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with Monica Shawn Marti for years and highly recommend her. Look her up to see if she meets your criteria.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Melissa.
Bear in mind that 100K in todays money, is about 240K in 30 years time. So if you need to live off of 100K per year based on todays money, you would need about 240K income in 30 years time due to inflation.
SCHD is my biggest position, making up around 34% of my total portfolio, I have some lower yield high dividend growers thrown in there, Mastercard being one of my main holdings. Always love hearing your thoughts on things, you're such a unique investor.
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
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?
I just googled him and I'm really impressed with his credentials; I reached out to him since I need all the assistance I can get. I just scheduled a call.
It's remarkable to have faith in someone who can consistently deliver profits under a circumstances, and they never disappoint. I trust John Desmond Heppolette, implicitly, and since trading with him, it's been nothing but victories...
I firmly believe that investors should maximize their capital's potential by keeping it invested, particularly in 2024, when market diversification is expected to increase. My plan is to allocate $350,000 of my savings into the stock market next year, with the ambitious goal of generating substantial returns and potentially reaching millions in 2024.
Proper research, good analysis and luck is what you need to make profit in this constant market decline. It's all about finding the right moment to take advantage of and generate colossal profit, which is why you need to do your research
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
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 ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
The S&P 500 moved 8.9% higher in November, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance. Here for ideas...
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things so my question is do I still save in the United States dollar, or could this be a good time to buy stocks? So I’m left wondering what 2024 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here,
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Choosing an invest-ment advisr is currently the best way to navigate the stock market, especially for individuals who are getting close to retirement. I've been seeing a coach for a while, and since Q2, my port-folio has increased by 45%.
Who is the coach that provides guidance for you? I urgently require assistance; my stock portfOlio is stagnating, and I need invest-ment advice for retirement.
"Christine Ann Podgorny", is a highly qualified and experienced professional in the finan-cial market. She possesses extensive expertise in port-folio diversification and is widely recognized as an expert in her field. With her years of experience, she proves to be a valuable resource for anyone seeking guidance in navigating the finan-cial market.
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I'd really want to see scenarios with more conservative assumptions than 15% dividend growth on average. I don't expect that will last as we get more history in the market with SCHD.
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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?
Carol Pasol Lewis is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be a true professional in her area. I Googled her and found her website, which I visited and read to learn more about her credentials, academic background, and job. She owes me a fiduciary duty to act in my best interests. I made an appointment to use her services.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.
It's really hard to beat the market as a mere investor. It's just better if you invest with the help of a professional understands the market dynamics better.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I needed a good boost to stay afloat, hence I engaged the services of a true market strategist to help rejuvenate my $700k portfolio and boost performance and returns by 40% in a little over four years.
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
Love the ETF calculator.. signing up now so i can see the 150k Is currently have in SCHD while i feed it 2k a month & once the market correction hits i will be dropping another 149k in SCHD - all reinvested of course so in 8-10 years it should be doing well. Great post thx - Thumbs up and subscribed
Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?
Having an lnvestment advser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know
This is really impressive, hope you don't mind if I ask you to recommend this particular professional you use their service? I had quite a lot of difficulty sorting myself out in this downtime.
I’m taking the invest 50k into SCHD advice and investing a lot more into it along with VOO and VGT. Hoping If I can retire at 50-55 instead of 60 then it’ll be worth it.
My taxable is literally SCHD, VGT, and TSLY which I’m only using to boost the contributions. I have VOO in my Roth but I’m right here with you watching my portfolio start to crap cash.
@@CardsHound part of me really wants to but TSLY and do the same, use the payments to put more into other funds. But I’m honestly concerned about the longevity of it so I’m just investing all my money into the funds.
@@lostboi3974 I used to pick individuals and I’ve had mostly positive experiences but I think stable growth is a lot better for my mental health haha. No matter how much you tell your self you can handle seeing your money swing, it definitely has an effect on you. And yeah 100k in each is a nice round number and seems to be the sweet spot.
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
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 ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I promptly did some research on Melissa’s past. She can control herself well. Her credentials are solid, and it seems like she was the subject of a careful examination. Foreign investors from countries other than the United States can also use her services
I don't quite understand how to interpret the image on 3:54. There are two lines and column bars, the bar is the income (dividend per year?) and why are the green and grey lines show in that way? What happens when the bar grew higher than the green line?
Great video! However it is a little misleading if you maintain a larger dividend growth than stock price appreciation. It’s fine in the short term but in the long term it is not possible to maintain this type of skewed growth rate. Something to keep in mind for long term investors.
Further, today you would need about 2.5 million to pull 100K annually from SCHD at 4.1%. i really think they are more like 3.7%. however you could skim from the capital growth and probably get the 4.1. I may have missed something. If so, please point it out.
Someone said the optimum time for a financial breakthrough is now, especially with inflation at a four-decade high. I have about $250k in my portfolio that is stagnating and needs to increase. What is the greatest strategy to capitalise on this downturn?
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
As a soon retiree, keeping my 401k on course after a rocky 2022 is top priority. I have been reading of lnvestors making up to 250k ROI in this current crashing market, any recommendations to scale up my ROI before retirement will be highly appreciated.
The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.
Having an lnvestment advser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know
Great video, appreciate the info, i am truly impressed as i do invest heavily in SCHD. I am interested in the other high dividend stocks that you discussed at the end of the video.
A single income or relying on government support should not be every employee's dream or mindset, but having an investment plan by purchasing good stocks as income support and retirement is the best option one could take in life. economy of the country (America), which is unfortunately about to crash. According to the statistics of so many intermediaries and observations, the government does not pay attention to its economy and its citizens, but is investing in wars (Ukraine and Israel).
That's true, take a look at China and most countries in Europe that are not involved in war and have good growth in their economy, giving their citizens a better life and support in their country.
LOVE your video's!!! Do you have a video, or can you do one, when someone is in their 60's, never invested in market, but got a nested, and wants to invest in market and live off dividends. Keep up the great work!!
Imo investing the 50 grand in high growth tech stocks would be a much better move since you have 30 years. I actually sold all of my SCHD because the returns weren’t high enough for my high dividend portfolio. Passive growth is good for people like myself who are retiring and want monthly and quarterly income for bills. Diversification is key….high interest money markets, crypto, high growth tech stocks and high interest passive equities is how I’ve been investing and have done very well with this strategy. But it’s key to have a large nest egg. I can see how the wealthy keep growing their portfolio even in bad times. I do the opposite of what most financial advisers tell me to do, lol
At what age do you recommend someone just sell off everything and just live off that? For example someone who is pretty old and doesn't want to leave behind a large some of money in stocks when they die? I mean if your pushing 70 or more do you really need a million dollars stashed away in the stock market just for the sake of the dividend or can you just live off the million bucks.
The price appreciation is at 3% on that website. I assume that means the average yearly price increase on the value of the ETF. On the previous 10 yrs, SCHD was about 11%/yr average. When I change the price appreciation to 11%, the annual dividend income drops significantly. This doesn't seem right, so I feel like I'm doing something wrong. Anyone able to help me out here?
Thanks for the video, I just have a small observation!, you never talk about inflation and taxation, I am assuming that if we consider those two factors que numbers may change a bit.
The dividend growth rate is not right. If you google it it is 2.8% annual growth rate. Most of these videos dont have that right and it makes a huge difference in the long run.
So that web site is cool but it’s not accurate at all on mutual funds. Claiming no dividends have been paid out when dividends were just paid 4 weeks ago and 6 months ago
In 30 years $100000 will not be enough income to retire on due to inflation. If we assume 3% annual inflation you would need closer to $250,000 not $100k
someone with retirement being far into the horizion still would be better suited to not worry about SCHD or other divided etfs. better to focus on high growth like voo, vgt, vug.
I've been leaning towards a diversified strategy with SCHD as a core holding. The high dividend yield seems promising for long-term income, but I wonder if there's a specific threshold to aim for.
Absolutely. I diversify beyond SCHD with growth-oriented investments and bonds to spread risk. It's about finding the right mix that aligns with your risk tolerance and retirement goals.
I'm not kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement. I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it Investing is a long-term game, so focus on the long run.
I can’t focus on the long run when I should be retiring in 3years, you see I’ve got good companies in my portfolio and a good amount invested, but my profit has been stalling, does it mean this recession/unstable market doesn’t provide any calculated risk opportunities to make profit?
There are a lot of strategies to make tongue wetting profit especially in a down market, but such sophisticated trades can only be carried out by proper market experts
Definitely! All of this happened in less than a year after *STEPHANIE KOPP MEEKS* told me what to do. I started with less than $100,000, and now I'm about 18,000 short of having a quarter million dollars!
What if Scwab goes bankrupt in say 15 year… in that case they don’t have anyone to manage SCHD… so they may liquidate all SCHD and return the money to SCHD owners… if Schwab liquidate all SCHD once that will crash all the stocks price inside SCHD… so basically folks will get pennies for dollars… scary to think… that’s why I m avoiding having all ETF only portfolio
If Schwab goes BK...SCHD-These funds are set up as trusts or in a similar manner. If the investment adviser goes bankrupt, they have no access to the assets in the fund, which are held by an unaffiliated custodian. If the sponsor liquidates the fund, you'd get cash for your shares. But this only happens with small, unsuccessful funds, which doesn't describe SCHD........Short version they sell everything and you get cashed out. Long version from investopedia Shareholders typically receive notification of the liquidation between a week and a month before it occurs, depending on the circumstances. The board of directors, or trustees of the ETF, will approve that each share is individually redeemable upon liquidation since they are not redeemable while the ETF is still operating; they are redeemable in creation units. Investors who want "out" of the fund upon notice of the liquidation sell their shares; the market maker will buy the shares and the shares will be redeemed. The remaining shareholders would receive their money, most likely in the form of a check, for whatever amount was held in the ETF. The amount of the liquidation distribution is based on the net asset value (NAV) of the ETF. The liquidation, however, can create a tax event, if the funds are held in a taxable account. This may force an investor to pay capital gains taxes on any profits received that would have otherwise been avoided.
October is historically rocky in the markets. ‘24 might be a tough for putting new money in. Lots of instability with the pending union strike that will affect a broad range of sectors. Then there’s wars and rumors of wars. Of course there’s the election that will determine a lot! So I’m sitting tight until things settle down. Warren Buffett knows a little about markets over a long time. He appears to be doing the same.
Pass on SCHD. Don't know why you're pushing this over-priced low paying dividend stock. It costs too much just for a measly 3.62% dividend. Even AT&T and Verizon pay much more, and both stocks are far less expense. Then there's the YieldMax family of ETFs that put all these dividend stocks to shame.
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
SCHD is basically an index fund of strong companies that pay out dividends. It only has an expense ratio of 0.06% and has performed well since it came about 10 or so years ago. I highly recommend people consider adding it to their portfolio. With enough time, you can use those dividends later in life to largely live off of without touching the principle.
I’m sorry if this comes across as offensive, I really don’t mean for it to be but, if you dont know how to add stocks into your portfolio, you need to learn a lot more basics before you even pick anything to invest in.
Dividends from the stock market encouraged me to begin investing. What matters, in my opinion, is that if you invest and make additional passive income in addition to dividends, you will be able to live off of dividends without selling. It implies that you can provide that benefit for your children, giving them a head start in life. I've invested more than “$600K” in dividend stocks through my asset manager and will continue to do so until the price falls even further.
I’ve felt like an outsider looking in since I first bought dividends kn 2018. I planned to do more research and increase my earnings but I got lazy and forgot. So now its time to stop being stubborn and. Ask for help. Can you tell me where to get answers?
Her name is Sonya Lee Mitchell. I can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I have googled her and she has impressive credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
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.
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
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?
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip.
amazing that TH-cam has not deleted all these bullshit bot replies trying to scam people. they all say the same crap
I started my 250k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education! Will this provide solid cashflow?
keep acquiring! I'd suggest you consider financial advisory at this point in time, remember you are in for the long haul.
I agree, it's important to balance your portfolio allocations. I recommend a managed portfolio, though their performance can vary. It's best to consult a fiduciary for guidance. That's what my spouse and I did, and we've grown our portfolio to $1.7 million.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with Monica Shawn Marti for years and highly recommend her. Look her up to see if she meets your criteria.
Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Melissa.
@@nicolasbenson009Melissa Terri is a scammer, nice try
How many SCHD videos do you need to retire?😋
Do you DRIP your SCHD video income back into buying more SCHD? 😂
Just one more
BAHAHAHAHA
At least a billion videos, just to be conservative 🤑
Hahaha I know, right?
Bear in mind that 100K in todays money, is about 240K in 30 years time. So if you need to live off of 100K per year based on todays money, you would need about 240K income in 30 years time due to inflation.
100% agree with your mindset. Every 30 years avg inflation cuts the purchasing power of a dollar in half.
The theory is you shouldn’t have big expenses so you should be good. Obviously it depends
also why its good to still include some growth into your portfolio.
ya even 500k per year also not enough if you go spending spree
just get that 100k and reinvest it for one more year and you will beat the inflation
SCHD is my biggest position, making up around 34% of my total portfolio, I have some lower yield high dividend growers thrown in there, Mastercard being one of my main holdings. Always love hearing your thoughts on things, you're such a unique investor.
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
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?
I just googled him and I'm really impressed with his credentials; I reached out to him since I need all the assistance I can get. I just scheduled a call.
This is a good recommendation. My first experience with him gave me the assurance that has made me to invest without fear of loosing
It's remarkable to have faith in someone who can consistently deliver profits under a circumstances, and they never disappoint. I trust John Desmond Heppolette, implicitly, and since trading with him, it's been nothing but victories...
I firmly believe that investors should maximize their capital's potential by keeping it invested, particularly in 2024, when market diversification is expected to increase. My plan is to allocate $350,000 of my savings into the stock market next year, with the ambitious goal of generating substantial returns and potentially reaching millions in 2024.
Proper research, good analysis and luck is what you need to make profit in this constant market decline. It's all about finding the right moment to take advantage of and generate colossal profit, which is why you need to do your research
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
I try to consider a mix of bonds and fixed-income securities to provide stability to my portfolio but i need solid advise.
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 ‘’Vivian Jean Wilhelm” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
The S&P 500 moved 8.9% higher in November, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance. Here for ideas...
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things so my question is do I still save in the United States dollar, or could this be a good time to buy stocks? So I’m left wondering what 2024 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here,
This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.
Choosing an invest-ment advisr is currently the best way to navigate the stock market, especially for individuals who are getting close to retirement. I've been seeing a coach for a while, and since Q2, my port-folio has increased by 45%.
Who is the coach that provides guidance for you? I urgently require assistance; my stock portfOlio is stagnating, and I need invest-ment advice for retirement.
"Christine Ann Podgorny", is a highly qualified and experienced professional in the finan-cial market. She possesses extensive expertise in port-folio diversification and is widely recognized as an expert in her field. With her years of experience, she proves to be a valuable resource for anyone seeking guidance in navigating the finan-cial market.
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I'd really want to see scenarios with more conservative assumptions than 15% dividend growth on average. I don't expect that will last as we get more history in the market with SCHD.
I thought it was 15% per year at first, but if you look closely it says 15% over 5 yrs, which is 3% per year. I think that's pretty conservative.
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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?
Carol Pasol Lewis is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be a true professional in her area. I Googled her and found her website, which I visited and read to learn more about her credentials, academic background, and job. She owes me a fiduciary duty to act in my best interests. I made an appointment to use her services.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.
It's really hard to beat the market as a mere investor. It's just better if you invest with the help of a professional understands the market dynamics better.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I needed a good boost to stay afloat, hence I engaged the services of a true market strategist to help rejuvenate my $700k portfolio and boost performance and returns by 40% in a little over four years.
@@yeslahykcim Please can you leave the info of your lnvestment advsor here? I’m in dire need for one
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
Thank you for the website TIP, you just saved me a crap ton of time updating excel sheets.
Love the ETF calculator.. signing up now so i can see the 150k Is currently have in SCHD while i feed it 2k a month & once the market correction hits i will be dropping another 149k in SCHD - all reinvested of course so in 8-10 years it should be doing well. Great post thx - Thumbs up and subscribed
Most Americans find it hard to retire comfortably amid economy downtrend. Some have close to nothing going into retirement, my question is, will you pay off mortgage as a near-retiree, or spread money for cashflow, to afford lifestyle after retirement?
as most investing-related questions, the answer is, it depends.. my best suggestion is to consider advisory management
Having an lnvestment advser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know
This is really impressive, hope you don't mind if I ask you to recommend this particular professional you use their service? I had quite a lot of difficulty sorting myself out in this downtime.
Her name is “Vivian Carol Gioia” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thanks, I just googled her and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
I’m taking the invest 50k into SCHD advice and investing a lot more into it along with VOO and VGT. Hoping If I can retire at 50-55 instead of 60 then it’ll be worth it.
Ahhh, somebody that knows the formula 👍 I'm putting $100k Into each one of those. Retirement in 20 years 🌴 😎
My taxable is literally SCHD, VGT, and TSLY which I’m only using to boost the contributions. I have VOO in my Roth but I’m right here with you watching my portfolio start to crap cash.
@@CardsHound part of me really wants to but TSLY and do the same, use the payments to put more into other funds. But I’m honestly concerned about the longevity of it so I’m just investing all my money into the funds.
@@lostboi3974 I used to pick individuals and I’ve had mostly positive experiences but I think stable growth is a lot better for my mental health haha. No matter how much you tell your self you can handle seeing your money swing, it definitely has an effect on you.
And yeah 100k in each is a nice round number and seems to be the sweet spot.
th-cam.com/video/G0gsdc0VnZc/w-d-xo.htmlsi=M9EnaCS0-Zdfiy_b
I’m sitting at about 550 shares of SCHD right now.
youll have three times that amount on october 10th
@@glendalewestpharmacy just checked my account, sitting at 1092 total shares as of today.
if you have money to start with life is so much easier , but when you start from 0 like me its hard ...
Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 17k in last month 2024
Honestly speaking.... I will continue to trade / and stick to Sonia/ daily analysis and guides as long as it works well for me.
I wish I had thirty years to wait.
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?
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 ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
I promptly did some research on Melissa’s past. She can control herself well. Her credentials are solid, and it seems like she was the subject of a careful examination. Foreign investors from countries other than the United States can also use her services
I’m fuuked! I’m 37 and wish I knew this when I was 18. I’d be retired right now
Bro grind it out
No you’re not get started you’ll be amazed how quickly it grows.
I don't quite understand how to interpret the image on 3:54. There are two lines and column bars, the bar is the income (dividend per year?) and why are the green and grey lines show in that way? What happens when the bar grew higher than the green line?
Great video! However it is a little misleading if you maintain a larger dividend growth than stock price appreciation. It’s fine in the short term but in the long term it is not possible to maintain this type of skewed growth rate. Something to keep in mind for long term investors.
Have a great weekend everyone!
Further, today you would need about 2.5 million to pull 100K annually from SCHD at 4.1%. i really think they are more like 3.7%. however you could skim from the capital growth and probably get the 4.1. I may have missed something. If so, please point it out.
I was thinking the same thing. You could have 100K in SCHD but not generating 100K of dividends per year
You're not missing anything. This video is stupid.
nice video. id love more videos about dividend growth
Great video and validates where im taking my portfolio lately. 50% in the Eu version of VYM (no SCHD) over here and the reat in high yeilding stocks
Entire market is rocking and the SPY continues to outperform SCHD. SPY all the way!
Someone said the optimum time for a financial breakthrough is now, especially with inflation at a four-decade high. I have about $250k in my portfolio that is stagnating and needs to increase. What is the greatest strategy to capitalise on this downturn?
I am sincerely committed to securing a stable financial future and am excited to participate.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
As a soon retiree, keeping my 401k on course after a rocky 2022 is top priority. I have been reading of lnvestors making up to 250k ROI in this current crashing market, any recommendations to scale up my ROI before retirement will be highly appreciated.
The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner.
Having an lnvestment advser is the best way to go about the market right now, especially for near retirees, I've been in touch with a coach for awhile now mostly cause I lack the depth knowledge and mental fortitude to deal with these recurring market conditions, I nettd over $220K so far, that made it clear there's more to the market that we avg joes don't know
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
Her name is “Vivian Carol Gioia” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thanks, I just googled her and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
Great video!
Love your videos never stop
I personally use beat market for a Dividend calculator, no account needed
Great video, appreciate the info, i am truly impressed as i do invest heavily in SCHD. I am interested in the other high dividend stocks that you discussed at the end of the video.
At 9:10 yo7 show an ending balance of 990k yielding 104k per year. Schd won’t be yielding 10%. Your math is wrong.
A single income or relying on government support should not be every employee's dream or mindset, but having an investment plan by purchasing good stocks as income support and retirement is the best option one could take in life. economy of the country (America), which is unfortunately about to crash. According to the statistics of so many intermediaries and observations, the government does not pay attention to its economy and its citizens, but is investing in wars (Ukraine and Israel).
That's true, take a look at China and most countries in Europe that are not involved in war and have good growth in their economy, giving their citizens a better life and support in their country.
SCHD is my biggest holding; however, I do not expect a 15% dividend CAGR. Perhaps half of that.
that's a lot more realistic. 15% per year means schd would be giving out 50% dividend yield in a few years 😂
@@Jordy32Look closer. I thought it was 15% per year, but it's 15% over 5yrs, which is 3% per year.
@@RubyRhu we're talking about the dividend growth, not stock price growth
How much schd would i need NOW to live off dividends?
Thank you for this video!
LOVE your video's!!! Do you have a video, or can you do one, when someone is in their 60's, never invested in market, but got a nested, and wants to invest in market and live off dividends. Keep up the great work!!
I am sad that this ETF is not here in Europe (Italy)... :-(
Imo investing the 50 grand in high growth tech stocks would be a much better move since you have 30 years. I actually sold all of my SCHD because the returns weren’t high enough for my high dividend portfolio.
Passive growth is good for people like myself who are retiring and want monthly and quarterly income for bills. Diversification is key….high interest money markets, crypto, high growth tech stocks and high interest passive equities is how I’ve been investing and have done very well with this strategy.
But it’s key to have a large nest egg. I can see how the wealthy keep growing their portfolio even in bad times. I do the opposite of what most financial advisers tell me to do, lol
At what age do you recommend someone just sell off everything and just live off that? For example someone who is pretty old and doesn't want to leave behind a large some of money in stocks when they die? I mean if your pushing 70 or more do you really need a million dollars stashed away in the stock market just for the sake of the dividend or can you just live off the million bucks.
this is good info!
The price appreciation is at 3% on that website. I assume that means the average yearly price increase on the value of the ETF. On the previous 10 yrs, SCHD was about 11%/yr average. When I change the price appreciation to 11%, the annual dividend income drops significantly. This doesn't seem right, so I feel like I'm doing something wrong. Anyone able to help me out here?
My question is when they pay you the dividen do they just put it in your investment.?If im in Hood how do they do it
Thanks for the video, I just have a small observation!, you never talk about inflation and taxation, I am assuming that if we consider those two factors que numbers may change a bit.
The dividend growth rate is not right. If you google it it is 2.8% annual growth rate. Most of these videos dont have that right and it makes a huge difference in the long run.
Who set the Div growth% Nd yield% on the website to show the estimated future annual dix payouts? Seems elevated, or maybe exaggerated.
Excellent video
There is NO WAY you could expect a 15% CAGR on a dividend for 30 years, especially a ETF
yeah, i figure a 6 percent return on my div account including the ups and downs as the years go by. 15 ... thats risky.
I expect half of that. Going forward. 4% in bad years such as 2023, perhaps 10% in good years.
Dividend Bull. Thank you for the video.
Can you please add a link to the website you used?
Does track your dividend projected value portion working under the assumption that the investor re-invests dividends? Thanks
Its got such a fan base but it's and underperformer and stagnant
Does this chart include DRIP?
So that web site is cool but it’s not accurate at all on mutual funds. Claiming no dividends have been paid out when dividends were just paid 4 weeks ago and 6 months ago
Alternative for SCHD, UCITS compliant?
Vtsax for me in the Roth what’s your opinion on VIG from vanguard considering adding it to the portfolio
id add JEPI at 25 percent, great video it relly makes you think
In 30 years $100000 will not be enough income to retire on due to inflation. If we assume 3% annual inflation you would need closer to $250,000 not $100k
can you do a video with 100k and different options never adding to it and $500 a month?
someone with retirement being far into the horizion still would be better suited to not worry about SCHD or other divided etfs. better to focus on high growth like voo, vgt, vug.
I can appreciate this.
Have you looked at wisdomtree's dividend ETF's?
I've been leaning towards a diversified strategy with SCHD as a core holding. The high dividend yield seems promising for long-term income, but I wonder if there's a specific threshold to aim for.
Absolutely. I diversify beyond SCHD with growth-oriented investments and bonds to spread risk. It's about finding the right mix that aligns with your risk tolerance and retirement goals.
Interesting choice. Well, it really boils down to having assuring SCHD strategy and retirement planning!
I'm very confused. You show the price of SCHD as $72 a share. The all time high is under $30. What am I missing?
1:3 split in October ‘24
Ah gotcha. I should have assumed. I thought I was taking crazy pills looking at the data
Bruh, currently hold 5k shares of SCHD! Lump sum! I mixed vgt for growth 500 shares !
Tsla and nvda doesnt pay dividends
have you covered fepi?
Vanguard recommends saving only 12-15% of your income?? Even while saving 65% of mine I think its taking too long 🥴
Any dividend stocks focusing on the growing elder care market
OHI
you need 300k min to retire on dividens from schd
way less then the million most people think they need.
Im 56 trying to retire at 70 life expectancy as old as 107 in our family… i dont have much yet
So what about 150000 for 15 years
Compounding is really magical
Basically a cool 2.5 mil lump sum
😳
I'm not kidding when I say that the market crash and high inflation have me really stressed out and
worried about retirement. I've been in the red for a while now and although people say these crisis has it
perks, I'm losing my mind but I get it Investing is a long-term game, so focus on the long run.
I can’t focus on the long run when I should be retiring in 3years, you see I’ve got good companies in
my portfolio and a good amount invested, but my profit has been stalling, does it mean this recession/unstable market doesn’t provide any calculated risk opportunities to make profit?
There are a lot of strategies to make tongue wetting profit especially in a down market, but such
sophisticated trades can only be carried out by proper market experts
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser
that guides you?
Definitely! All of this happened in less than a year after *STEPHANIE KOPP MEEKS* told me what to do. I
started with less than $100,000, and now I'm about 18,000 short of having a quarter million dollars!
She appears to be well-educated and well-read. I just ran a Google search for her name and came across her website, thank you for sharing.
What if Scwab goes bankrupt in say 15 year… in that case they don’t have anyone to manage SCHD… so they may liquidate all SCHD and return the money to SCHD owners… if Schwab liquidate all SCHD once that will crash all the stocks price inside SCHD… so basically folks will get pennies for dollars… scary to think… that’s why I m avoiding having all ETF only portfolio
What are the chances that they'd go bankrupt though?
@@Memoreism even 1% chance is scary if all my money is with them
well youre probably scared of your shadow
@@Fred-yd9mdahh cmon that’s like saying you’re scared to walk outside because you have a 1% chance of catching a stray bull3t to the head
If Schwab goes BK...SCHD-These funds are set up as trusts or in a similar manner. If the investment adviser goes bankrupt, they have no access to the assets in the fund, which are held by an unaffiliated custodian. If the sponsor liquidates the fund, you'd get cash for your shares. But this only happens with small, unsuccessful funds, which doesn't describe SCHD........Short version they sell everything and you get cashed out.
Long version from investopedia
Shareholders typically receive notification of the liquidation between a week and a month before it occurs, depending on the circumstances. The board of directors, or trustees of the ETF, will approve that each share is individually redeemable upon liquidation since they are not redeemable while the ETF is still operating; they are redeemable in creation units.
Investors who want "out" of the fund upon notice of the liquidation sell their shares; the market maker will buy the shares and the shares will be redeemed. The remaining shareholders would receive their money, most likely in the form of a check, for whatever amount was held in the ETF. The amount of the liquidation distribution is based on the net asset value (NAV) of the ETF.
The liquidation, however, can create a tax event, if the funds are held in a taxable account. This may force an investor to pay capital gains taxes on any profits received that would have otherwise been avoided.
October is historically rocky in the markets. ‘24 might be a tough for putting new money in. Lots of instability with the pending union strike that will affect a broad range of sectors. Then there’s wars and rumors of wars. Of course there’s the election that will determine a lot! So I’m sitting tight until things settle down. Warren Buffett knows a little about markets over a long time. He appears to be doing the same.
What if I inherited $100,000 and invested it in SCHD, and then contributed $500 month?
You can use the website yourself
@@Redtornado6 Wasn't what I was asking, clown.
I will invest in Altria.
Cony is like $12 share and pays monthly $1 per share. You cpuld get over 4,000 shares. That would be $4k per month. 🤷
A black swan event is coming.
I don't think the average viewer can save enough to make divys worth it. Very small ROI compared to captial gains
Anyone who thinks they can quit their job and retire to live off of a single etf don’t know about 2008 when stocks dropped 50%.
The real value of those amounts 30 years later will be much much lower even with a 2,5% inflation
This isn’t a dividend growth etf
Yes 100k in 20 years will be a must I think. 🤔
So in other words when you are to old to enjoy life and 100k a yr is like 15 k a yr currently
FDVV is a good option. 1.76 shares equals one share of SCHD
Ending portfolio value of 1M would be ~40k of dividends per year not 110k.
WHT if I die before 30 year
Well I'm out I guess since I'm 49 with only 450 shares so far
The only ETF's I'm in for now is QYLD and RYLD. I don't go above $25 a share for anything.
I have QYLD as well, because it gives monthly dividend and is 11.95% yield.
The tool was unusable due to incessant ads blocking the site
You would need over a million dollars just to live off dividends. But if you live too long it won't be enough money.
Pass on SCHD. Don't know why you're pushing this over-priced low paying dividend stock. It costs too much just for a measly 3.62% dividend. Even AT&T and Verizon pay much more, and both stocks are far less expense. Then there's the YieldMax family of ETFs that put all these dividend stocks to shame.
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.