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re: Who has SCHD stock? Great Dividend ETF to retire
Posted on 7/13/26 at 1:04 pm to Bamajedi
Posted on 7/13/26 at 1:04 pm to Bamajedi
quote:
VOO will smoke it every time. Dividend stock ETFs have been a constant disappointment in my portfolio every time. I don't see any benefit especially when you're in a high tax bracket.
Ever heard of the lost decade? Wasn’t that long ago the S&P stayed flat for 10 years.
Concentration risk is real.
0
Posted on 7/14/26 at 12:40 pm to PSS101
It’s a good sized chunk of the value portion of my portfolio. I use it as somewhat of a bond substitute. Pays decent dividends. Solid companies, so risk is minimized (high floor). Price was flat for a while but has gone up a a good bit in the last year and a half or so. And plenty of upside especially with a lot of the big investors rotating out of tech and into value stocks.
I think paying dividends keeps companies disciplined. Coke, Pepsi, and chevron, for example, don’t usually have much of a need for moonshot R&D expenditures that cost a lot of money.
I think paying dividends keeps companies disciplined. Coke, Pepsi, and chevron, for example, don’t usually have much of a need for moonshot R&D expenditures that cost a lot of money.
Posted on 7/15/26 at 5:26 am to PSS101
I have both SCHD and SCHY.
Most of in in retirement accounts.
Low cost ETFS make sense for me.
I used to pick individual stocks. Made money mostly, but had some go to zero.
I still have several individual stocks, but new money has mostly been put into ETFs.
Most of in in retirement accounts.
Low cost ETFS make sense for me.
I used to pick individual stocks. Made money mostly, but had some go to zero.
I still have several individual stocks, but new money has mostly been put into ETFs.
Posted on 7/19/26 at 12:19 pm to PSS101
For the income portion of my taxable portfolio, I DCA weekly into SPYI, QQQI and CGDV. As of June 30, SPYI and QQQI had distribution rates of about 12% and 14%, with one-year total returns of approximately 19% and 26%. SCHD yielded about 3.3% and returned roughly 24% over the same year.
CGDV yields only about 1.2%, but it adds a traditional, actively managed dividend-growth component with greater uncapped appreciation potential because it does not sell calls. The combination gives me high monthly cash flow from SPYI and QQQI, plus more conventional long-term growth from CGDV.
SCHD is an excellent low-cost fund, but for me, this three-fund mix better matches my goal of generating meaningful current income without making the entire allocation dependent on an options strategy.
For context the distribution:
Income/dividend funds: 25.2%
Core/growth funds: 8.3%
Digital assets/crypto: 10.7%
Individual stock: 36.5%
Gold: 3.9%
Cash: 4.5%
Other positions: 10.9%
CGDV yields only about 1.2%, but it adds a traditional, actively managed dividend-growth component with greater uncapped appreciation potential because it does not sell calls. The combination gives me high monthly cash flow from SPYI and QQQI, plus more conventional long-term growth from CGDV.
SCHD is an excellent low-cost fund, but for me, this three-fund mix better matches my goal of generating meaningful current income without making the entire allocation dependent on an options strategy.
For context the distribution:
Income/dividend funds: 25.2%
Core/growth funds: 8.3%
Digital assets/crypto: 10.7%
Individual stock: 36.5%
Gold: 3.9%
Cash: 4.5%
Other positions: 10.9%
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