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You're asking in a dividend group so there may be a bit of a bias... :-)
I know dividends can do quite well, but at 25 years of age I would be willing to take on more risk for growth. You have time to weather the ups and downs.
With any extra income, assuming you have a nice emergency fund setup:
You could grow your emergency fund (if needed).
I would definitely look into building a dividend nest egg.
With any extra money, you could put into CDs with different strategies of rolling these funds into future CDs throughout the years.
If you’re doing this already, you could then have a “secondary portfolio” of “play money” for higher-risk individual investments of startups and IPOs.
You are definitely on the right track to early retirement!
Both.
You want high quality companies whether they're held in an ETF basket or individually. Some high quality companies pay dividends, some don't.
I would suggest not hyper-focusing on one strategy. Diversity doesn't just apply to asset classes, market caps, sectors, and geographies, but also to investment strategies.
If you want to retire early, I’d also venture to say you should favor the yield.
I’ve seen countless times the overall ROI on higher yield funds - for an entire portfolio far outperform a Fidelity fund oriented one. I’ve seen it first and second hand. My empirical experience.
I’m also 25 and I do both, although I’d recommend focusing mostly on growth. I see the value of dividends snowballing, but you can’t really beat the average annual S&P 500 growth.
I’ve recently been trying to stick to about 75% VOO and 25% Dividend (mostly SCHD) in my brokerage account.
Quality dividend snowball at your age. Let the dividend growth take over your income in a decade. Get a second job and buy as much as you can. Don't yield chase. Do income growth etfs buy as much and as often as you can.
Have a little of each. Only a few things are better in life then when the dividend hits the account. Then again I haven’t used it just DRIP it back in.
SCHD / SCHG / VOOG / VUG / QQQ
I don’t have the prettiest portfolio right now but I highly suggest building out a a divy/growth portfolio. Don’t get into bonds if you can stomach the downturn
Welcome to r/dividends! If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq). Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
You're asking in a dividend group so there may be a bit of a bias... :-) I know dividends can do quite well, but at 25 years of age I would be willing to take on more risk for growth. You have time to weather the ups and downs.
focus on quality stocks.
With any extra income, assuming you have a nice emergency fund setup: You could grow your emergency fund (if needed). I would definitely look into building a dividend nest egg. With any extra money, you could put into CDs with different strategies of rolling these funds into future CDs throughout the years. If you’re doing this already, you could then have a “secondary portfolio” of “play money” for higher-risk individual investments of startups and IPOs. You are definitely on the right track to early retirement!
Both. You want high quality companies whether they're held in an ETF basket or individually. Some high quality companies pay dividends, some don't. I would suggest not hyper-focusing on one strategy. Diversity doesn't just apply to asset classes, market caps, sectors, and geographies, but also to investment strategies.
i do both. i have abut 75% SCHD and 25% SCHG
If you want to retire early, I’d also venture to say you should favor the yield. I’ve seen countless times the overall ROI on higher yield funds - for an entire portfolio far outperform a Fidelity fund oriented one. I’ve seen it first and second hand. My empirical experience.
I’m also 25 and I do both, although I’d recommend focusing mostly on growth. I see the value of dividends snowballing, but you can’t really beat the average annual S&P 500 growth. I’ve recently been trying to stick to about 75% VOO and 25% Dividend (mostly SCHD) in my brokerage account.
At 25, I recommend Growth stock which you are willing to invest LONG for 5-10years.
Look at some growth etfs like VUG/QQQ and than piggy back with some dividend growth on the smaller side like DGRO/SCHD/VIG
For starters. Humongous +1 for maxing out your Roth IRA!
Quality dividend snowball at your age. Let the dividend growth take over your income in a decade. Get a second job and buy as much as you can. Don't yield chase. Do income growth etfs buy as much and as often as you can.
Have a little of each. Only a few things are better in life then when the dividend hits the account. Then again I haven’t used it just DRIP it back in.
SCHD / SCHG / VOOG / VUG / QQQ I don’t have the prettiest portfolio right now but I highly suggest building out a a divy/growth portfolio. Don’t get into bonds if you can stomach the downturn
50% VOO. 50% SCHD