SCHD is a solid choice for dividend investors, especially in uncertain markets. With its consistent dividend growth and solid track record, it feels like a reliable long-term hold. I’m focusing on ETFs like SCHD to balance growth with stability, especially as we navigate the impacts of rising interest rates.
I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2024.
My CFA, ‘’Aileen Gertrude Tippy’’ is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
Dividends from SCHD are typically taxed at the qualified dividend rate, which may be lower than ordinary income tax rates for many investors. Nvidia’s stock, up more than 90% this year, rose 2.5% in New York on Monday, sending the Nasdaq 100 index to another record high. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
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
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like Carol Vivian Constable I've worked with her for some years and highly recommend her. Check if she meets your criteria.
I initially did the big ticket buy, 150k into SCHD, 75k TSLA, 25k VYM, 25K VUG, AMZN 25K. Now I'm dca buying roughly 2k every week of whatever is on sale, and looking to add more tech positions to my portfolio. I'm looking to hold long term 15 - 20 years, so hopefully my lump sum buy in doesn't bite me in the ass long term.
In the past month, my "unexciting" index funds provided me with over $6,000 in dividends, giving me the option to spend without selling shares. Currently, I've opted to reinvest the dividends to acquire additional index funds for future growth.
I agree; I have approximately $1m in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
If you’re working , put the max into a Roth IRA and front load SCHD for two years, contributing $7,000 each year Years 3-30 do a mix of 33% each into SCHD, SCHD, and SPLG (or VOO)… Why front load ? Because the SCHD dividend snowball takes about 20+ years to take off. You’ve got plenty of time … no taxes on withdraw on Roth IRA If you’re working and make
As a passive investor, is it wise to buy market tracking index funds and ETFs from companies like Blackrock, Vanguard and State Street, even when they're at all time highs? I want to invest around 250K given the current market rally. Thoughts?
Index Funds & ETFs: 40-50%, Emerging Markets (e.g., VWO): 10-15%, Dividend Stocks: 10-20%, Growth Stocks/Small-Caps: 10-20%, REITs: 5-10%. Remember to engage guidance so as to aid proper allocations.
These funds offer diversification, low fees, and long-term growth potential. Given the significant amount you plan to invest, consulting with a financial advisor can provide personalized guidance tailored to your specific situation and retirement goals.
Great advice here. Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I currently have 75% SCHD and 25% ROTH IRA. Brokerage account is 40% VOO, 35% SCHD, 25% XLK. Combine balance ~$3.3m Less than 3 years until retirement.... I have about 400k in cash. My portfolio has yielded far more than I expected for my retirement. Kudos to my advisor.
based off the math in the spreadsheet, it's actually per year. 99cent now with 11% growth in 1 year is $1.10. The per month column is how much his 2315 shares would add to his monthly dividend total
@whatsup24_7 that would be very true, but I am buying into other stocks to. I got lucky with VOO. I got it back in 2020 a little below $200. That one in my hold for ever stock. I liked SCHD back then, but did not buy into it, then when it split that's when I added it. But anyway.
@@whatsup24_7 How much do you invest every month? Whatever it is, I am sure someone out there is laughing at you... The point is, don't discourage new investors. $50 is suitable for now; increase it as your salary increases!
I'm new to investing, and l've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have.
The first step to successful investment is figuring your goals and risk tolerance either on your own or with the help of a financial professional but it's very advisable you make use of professional
As a beginner, educate yourself: Learn the basics of investing and the stock market. There are many resources available online , including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, it’s important to do your own research.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
Right, I've been in constant touch with a financial-analyst since covid . You know these days it's really easy to buy into trending stocks, but the task is determining when to buy or sell . My advisor decides entry and exit commands on my portfolio, I've accrued over $1m from an initially stagnant reserve of $450K.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Finding financial advisors like Vivian Jean Wilhelm 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.
5825 shares after adding 68 this morning; my goal is 10,000. I expect a CAGR of 5% to 10% going forward. Assuming 7.2%, the annual payout will be $2 in 2034.
If I was 25 I'd be buying SCHD in a Roth IRA account. By age 65 I'd be sitting pretty. But as I am not I am buying shares simply to balance out my tech-heavy portfolio.
With the anticipation of high volatility in the market this year. JEPQ will pay a better dividend than SCHD. I bought Another 100 shares of JEPQ when it dipped down to $55. If you invested the same amount in SCHD the annual dividend would be around $200 and JEPQ would pay out around $600 annually. I would not buy anymore SCHD unless it dipped below $25.
about 8600 shares. I kept all of my income shares but sold much of my "growth" ETF position to hold cash for a few months. My rationale for this is that CAPE yields are insane now. I'm betting on a correction in 2025, we shall see.
SCHD only paid 3 dividends in 2023, for about $2 total. That was down 20% from 2022. And the total dividend in 2024 was a bit less than 2022, also. So, one can play with spreadsheet models and pretend that one is going to get rich... but another equally compelling model is to project the last three years as the most relevant, and conclude that the dividend growth is minimal. I own over 17000 shares of SCHD and my reason for owning it is that the algorithm picks high-quality companies having a track record that gives me confidence in their long-term viability. My recommendation is to focus on the stock-picking process rather than fantasizing about the outcome. YMMV
SCHD paid out four dividends in 2023 you better check your records. The growth for the last 3 years was almost 30%, which is quite significant. Best thing about SCHD is the dividend growth rate. Good luck to your dividends!
I invested into SCHD a couple of weeks ago and down 5,000. Problem with SCHD is the low div, it should be 10 percent and pay monthly. The div is so low. I think the new ETF BIGY will be a better ETF and it has a guaranteed 12 percent div and owns the actually stock.
I have 240 shares SCHD and received around $60 in dividends last qtr.....problem being, I lost around $500 in NAV. I went from +200 to -$300 in a matter 4-5 weeks time.
Keep adding esp now when the price is lower When others are fearful , you are greedy and vice versa Buy more when the price is low. Buy less when it’s higher. Always be buying
@1Mean9x19 sure. This is a has - been fund that severely underperforms lately. Probably due to their automatic, no hands on stock picking. Their algorithms must be outdated. You won't get the highs in bull runs and it kinda protects you in downturns, but not really. TH-camrs are pushing this fund endlessly, I suppose because schwab pays them one way or another.
@@ophirmayer1 Their top holdings.... Verizon, Chevron, Pfizer, Abbvie, Pepsi, Coke, Home Depot etc, Are all quality, long term companies that have all recently taken a shit. I expect that most ,if not all of them will rebound , which will bring SCHD's share value back up too.
SCHD is a solid choice for dividend investors, especially in uncertain markets. With its consistent dividend growth and solid track record, it feels like a reliable long-term hold. I’m focusing on ETFs like SCHD to balance growth with stability, especially as we navigate the impacts of rising interest rates.
I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2025.
There are many financial coaches who excel in their profession, but for the time being, I employ Annette Marie Holt because I adore her methods. You can make research and find out more
SCHD is a solid choice for dividend investors, especially in uncertain markets. With its consistent dividend growth and solid track record, it feels like a reliable long-term hold. I’m focusing on ETFs like SCHD to balance growth with stability, especially as we navigate the impacts of rising interest rates.
I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2024.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
My CFA, ‘’Aileen Gertrude Tippy’’ is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
Dividends from SCHD are typically taxed at the qualified dividend rate, which may be lower than ordinary income tax rates for many investors. Nvidia’s stock, up more than 90% this year, rose 2.5% in New York on Monday, sending the Nasdaq 100 index to another record high. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
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
impressive gains! how can I get your advisor please, if you don’t mind me asking? I could really use a help as of now
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like Carol Vivian Constable I've worked with her for some years and highly recommend her. Check if she meets your criteria.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
I initially did the big ticket buy, 150k into SCHD, 75k TSLA, 25k VYM, 25K VUG, AMZN 25K. Now I'm dca buying roughly 2k every week of whatever is on sale, and looking to add more tech positions to my portfolio. I'm looking to hold long term 15 - 20 years, so hopefully my lump sum buy in doesn't bite me in the ass long term.
In the past month, my "unexciting" index funds provided me with over $6,000 in dividends, giving me the option to spend without selling shares. Currently, I've opted to reinvest the dividends to acquire additional index funds for future growth.
I agree; I have approximately $1m in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
I find your situation fascinating. Would you be willing to suggest a trusted advisor you've worked with?
Her name is ‘’LAUREN CHRISTINE CAMPBELL’’ can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
I am 25 with 64 shares currently and buying one every week. Also planning on doing the DRIP/Snowball strategy🤙🤙🤙
That’s awesome man! I do $15 a day in schd & voo. All the best to you!
If you’re working , put the max into a Roth IRA and front load SCHD for two years, contributing $7,000 each year
Years 3-30 do a mix of 33% each into SCHD, SCHD, and SPLG (or VOO)…
Why front load ? Because the SCHD dividend snowball takes about 20+ years to take off. You’ve got plenty of time … no taxes on withdraw on Roth IRA
If you’re working and make
As a passive investor, is it wise to buy market tracking index funds and ETFs from companies like Blackrock, Vanguard and State Street, even when they're at all time highs? I want to invest around 250K given the current market rally. Thoughts?
Index Funds & ETFs: 40-50%, Emerging Markets (e.g., VWO): 10-15%, Dividend Stocks: 10-20%, Growth Stocks/Small-Caps: 10-20%, REITs: 5-10%. Remember to engage guidance so as to aid proper allocations.
These funds offer diversification, low fees, and long-term growth potential. Given the significant amount you plan to invest, consulting with a financial advisor can provide personalized guidance tailored to your specific situation and retirement goals.
Great advice here. Keep it simple, buy things you understand, take some risk but don't try to shoot the lights out. I currently have 75% SCHD and 25% ROTH IRA. Brokerage account is 40% VOO, 35% SCHD, 25% XLK. Combine balance ~$3.3m Less than 3 years until retirement.... I have about 400k in cash. My portfolio has yielded far more than I expected for my retirement. Kudos to my advisor.
Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
Her name is ZAREEN GRACE CHURCH. I can't divulge much. Most likely, the internet should have her basic info, you can research if you like
12% increase in dividends per month? are you sure that isn't meant to be per year
based off the math in the spreadsheet, it's actually per year. 99cent now with 11% growth in 1 year is $1.10. The per month column is how much his 2315 shares would add to his monthly dividend total
14,000+ shares across several accounts. Will likely be adding more while they’re on sale.
Just curious why multiple accounts? I understand if 1 is a Roth IRA but why so many accounts?
@ in my case, both my wife and i have Ira and Roth accounts. So there’s 4 plus we have a taxable brokerage account too.
I currently own 127 shares and I am buying 50 dollars worth every month. I love this ETF,
50 dollars per month? You should be able to retire when you're 146 years old
@whatsup24_7 that would be very true, but I am buying into other stocks to. I got lucky with VOO. I got it back in 2020 a little below $200. That one in my hold for ever stock. I liked SCHD back then, but did not buy into it, then when it split that's when I added it. But anyway.
@@whatsup24_7 How much do you invest every month? Whatever it is, I am sure someone out there is laughing at you...
The point is, don't discourage new investors. $50 is suitable for now; increase it as your salary increases!
Thanks...I have 350 shares w/drip
I'm new to investing, and l've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have.
As a beginner, it's essential for you to have a pro or a very good trader to keep you accountable.
If you can, then get a professional to trade for you I think that way your assets are more secure.
Someone like expert Scarlett Hansley
The first step to successful investment is figuring your goals and risk tolerance either on your own or with the help of a financial professional but it's very advisable you make use of professional
This is correct, Scarlett's strategy has normalized winning trades for me also and it's a huge milestone for me looking back to how it all started.
15,000 shares across 3 accounts
As a beginner, educate yourself: Learn the basics of investing and the stock market. There are many resources available online , including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, it’s important to do your own research.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
Right, I've been in constant touch with a financial-analyst since covid . You know these days it's really easy to buy into trending stocks, but the task is determining when to buy or sell . My advisor decides entry and exit commands on my portfolio, I've accrued over $1m from an initially stagnant reserve of $450K.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Finding financial advisors like Vivian Jean Wilhelm 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.
SCHG SCHD JEPQ thats all you need .
19 I recently hit 251.5 my goal is to build up 100 schg and 10 voo now
26k shares and growing all the time
5825 shares after adding 68 this morning; my goal is 10,000. I expect a CAGR of 5% to 10% going forward. Assuming 7.2%, the annual payout will be $2 in 2034.
If I was 25 I'd be buying SCHD in a Roth IRA account. By age 65 I'd be sitting pretty. But as I am not I am buying shares simply to balance out my tech-heavy portfolio.
Me too, I use it to balance my tech stocks and Yieldmax funds that i use to live on.
With the anticipation of high volatility in the market this year. JEPQ will pay a better dividend than SCHD. I bought Another 100 shares of JEPQ when it dipped down to $55. If you invested the same amount in SCHD the annual dividend would be around $200 and JEPQ would pay out around $600 annually. I would not buy anymore SCHD unless it dipped below $25.
I have 1000 shares. Id like to get to 5,000.
about 8600 shares. I kept all of my income shares but sold much of my "growth" ETF position to hold cash for a few months. My rationale for this is that CAPE yields are insane now. I'm betting on a correction in 2025, we shall see.
‘11% annual dividend growth’ - that’s incredible! But do you think SHD can maintain this pace, or are we in for a slowdown? 🤔📊
SCHD only paid 3 dividends in 2023, for about $2 total. That was down 20% from 2022. And the total dividend in 2024 was a bit less than 2022, also. So, one can play with spreadsheet models and pretend that one is going to get rich... but another equally compelling model is to project the last three years as the most relevant, and conclude that the dividend growth is minimal. I own over 17000 shares of SCHD and my reason for owning it is that the algorithm picks high-quality companies having a track record that gives me confidence in their long-term viability. My recommendation is to focus on the stock-picking process rather than fantasizing about the outcome. YMMV
SCHD paid out four dividends in 2023 you better check your records. The growth for the last 3 years was almost 30%, which is quite significant. Best thing about SCHD is the dividend growth rate. Good luck to your dividends!
@@edwardmartin7753 You're right, I was using bad data from Yahoo, confounded by the split. thanks for correcting the record
I invested into SCHD a couple of weeks ago and down 5,000. Problem with SCHD is the low div, it should be 10 percent and pay monthly. The div is so low. I think the new ETF BIGY will be a better ETF and it has a guaranteed 12 percent div and owns the actually stock.
500 shares
~550 shares
$2,300 now turning into $6,500 by 2034’ - it’s like watching compounding magic happen! What’s your long-term dividend goal? 🌟📊
I'm 27 I own 213 shares
If XRP makes me millions, I'll likely drop a million into this for those nice payouts.
The tortoise always wins.
I have 240 shares SCHD and received around $60 in dividends last qtr.....problem being, I lost around $500 in NAV. I went from +200 to -$300 in a matter 4-5 weeks time.
This one is for the long haul. Don’t let the last few weeks scare you. Just stay along for the ride. You’ll be glad you did.
Keep adding esp now when the price is lower
When others are fearful , you are greedy and vice versa
Buy more when the price is low. Buy less when it’s higher. Always be buying
2030 and growing.
Stop shilling ur stock picks on 7 different accounts lamo benji
There are several ETFs that pay higher dividends.
True
How you talk this fast?
Nice grammar
I own some. Terrible investment.
Care to elaborate?
@1Mean9x19 sure. This is a has - been fund that severely underperforms lately. Probably due to their automatic, no hands on stock picking. Their algorithms must be outdated. You won't get the highs in bull runs and it kinda protects you in downturns, but not really. TH-camrs are pushing this fund endlessly, I suppose because schwab pays them one way or another.
You may have noticed that the whole market has been down, not just schd
@t_demler24 schd declined way before, look at the charts
@@ophirmayer1 Their top holdings.... Verizon, Chevron, Pfizer, Abbvie, Pepsi, Coke, Home Depot etc, Are all quality, long term companies that have all recently taken a shit. I expect that most ,if not all of them will rebound , which will bring SCHD's share value back up too.
Would you please do this same video for JEPQ?
He will. Probably 100 more times
SCHD is a solid choice for dividend investors, especially in uncertain markets. With its consistent dividend growth and solid track record, it feels like a reliable long-term hold. I’m focusing on ETFs like SCHD to balance growth with stability, especially as we navigate the impacts of rising interest rates.
I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2025.
Do you mind if I ask how you found this coach and used their service? I'm having trouble figuring out when to buy or sell.
There are many financial coaches who excel in their profession, but for the time being, I employ Annette Marie Holt because I adore her methods. You can make research and find out more
I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.