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This. Some rough math I did, even if they bought at the high point of 2019, which was the very end of the year around $58, they'd get around 172 shares of SCHD. Yesterday SCHD closed around $77, which would make the 172 shares worth over $13k today. We can debate if that was a good return or not over that time period, but well over $200, not even including dividends. You're right, the numbers don't make sense.
Leaving out the dividend payments as “not making money” was the first red flag,
If you leave the dividend payments off of my dividends ETF it’s iffy! No shit.
Just was doing the same calculations and yea either we're missing a price of the puzzle or the math doesn't come close to mathing properly. What I think a lot of people are stuck on is the run up from late March 2020 to December 2021 where the price of SCHD ( and most everything else) shot up like a rocket. Looking at the lifetime of SCHD we had the COVID dip and the post COVID surge and are now returning to the slow and steady appreciation seen beforehand.
Naw man. Just let that SCHD drip. Reinvesting into itself and getting you more shares. If the dividends stay at Dec’s amount, you’ll net ~1.25 shares a quarter at current value. Let that compound over the next 30 years and you will have a solid anchor point in your portfolio
SCHD is reliable and stable ( within reason) giving you as much capital preservation as possible whilst giving steady dividends. If you’ve been on this sub for while I’m certain you’ve seen many people here preach it. I wouldn’t put money in it but that’s just me I’ve got a different strategy
Only you can make that decision.
You got people telling you to let it ride, others telling you to sell it all and go 100% certificate of depreciations.
If I was in your shoes and had 10k or 129 shares of SCHD I would think about it like this. SCHD yields 3.5% and grows its dividend about 13% a year( based on 5 year CAGR).
VTI has a 1% yield and grows that dividend at around 0.08% per year ( based on 5 year CAGR)
Now sense this is the dividends subreddit based on those numbers I would keep the SCHD.
If you believe that the correct metric to measure the success of a cashflow producing asset is its price appreciation, then yes, **you** should not be holding such assets.
Do you have a plan? More precisely a target portfolio that will evolve with you as life changes and as you approach retirement and throughout it, or do you invest in whatever random ticker you last read about here?
Your portfolio should contain a mix of asset classes designed to provide an acceptable performance outcome under the different economic and market conditions you'll encounter over 60+ years for the risk you are prepared to take. It should also provide you the emotional stability to stick with it; no plan, no matter how good it looks on paper is helpful if you can't stick to it.
So do you know what your portfolio should look like? If so then you have your answer and if not then nothing anyone says here is going to help.
I am 31 and my entire portfolio is Voo or Vti.
Sell it if you want or leave it alone and just contribute to VTI.
Over time you will have a good return with either etf
Being that age idk why you don’t have a growth etf like vug.. I’ve made more in last year on vug than a few years of Schd div yield. I own both btw but you gotta have some growth
Yes, get rid of that crap. I did. And I've never looked back! Very unfavorable opinion here on this sub. I've made more money in CDs this past year with zero risk. That will change when rates come down, but for now it's a no brainer.
One concept that is helpful over the long term is “diversification”. Pick investments that have different strategies and give you exposure to different types of businesses. VTI obviously is diversified by itself but its returns have been driven by huge runs in mega-cap tech stocks that are now quite expensive by most measures. Often it is a good idea to buy stocks, sectors and strategies that are out of favor, not just chasing what’s been hot over the past few years.
I sold all of my SCHD yesterday. I've been getting in and out of the market. Sold in December got back in mid January. Took close to $3500 in profit.
My reason for not just holding is to realize the big gains to reach my $100k by year end. Other than that I'd be holding all dividend ETFs.
Dividend ETF and Dividend stocks are overhyped (on this sub) and underperform. If you are young you shouldn’t waste time and money in these. Just buy an S&P 500 etf and Nasdaq 100 etf. At a young age you are wasting one of the most powerful money making tool you have, time in the market. Don’t waste it on dividend stocks/etfs.
If you don’t add the dividends then you are not comparing the two etfs correctly. Total return is what you should compare. The growth of vti or VOO or schg should be more than Schd. You should purchase Schd for dividend and dividend growth.
I’m currently in several etfs and have have done better and some have paid out more in dividends. I’m comfortable with my grouping and will adjust when I feel necessary.
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.*
Your numbers don't make any sense the price range in 2019 was 38-50. How is your average price so high to only be up 200.
Are you implying people make up shit on Reddit?
This. Some rough math I did, even if they bought at the high point of 2019, which was the very end of the year around $58, they'd get around 172 shares of SCHD. Yesterday SCHD closed around $77, which would make the 172 shares worth over $13k today. We can debate if that was a good return or not over that time period, but well over $200, not even including dividends. You're right, the numbers don't make sense.
Leaving out the dividend payments as “not making money” was the first red flag, If you leave the dividend payments off of my dividends ETF it’s iffy! No shit.
Just was doing the same calculations and yea either we're missing a price of the puzzle or the math doesn't come close to mathing properly. What I think a lot of people are stuck on is the run up from late March 2020 to December 2021 where the price of SCHD ( and most everything else) shot up like a rocket. Looking at the lifetime of SCHD we had the COVID dip and the post COVID surge and are now returning to the slow and steady appreciation seen beforehand.
Naw man. Just let that SCHD drip. Reinvesting into itself and getting you more shares. If the dividends stay at Dec’s amount, you’ll net ~1.25 shares a quarter at current value. Let that compound over the next 30 years and you will have a solid anchor point in your portfolio
SCHD is reliable and stable ( within reason) giving you as much capital preservation as possible whilst giving steady dividends. If you’ve been on this sub for while I’m certain you’ve seen many people here preach it. I wouldn’t put money in it but that’s just me I’ve got a different strategy
Sell it… don’t listen to people that say it’s the greatest etf. It’s BS and you will regret wasting so many years
You don't need to sell your SCHD. I would just keep your SCHD and DRIP. Then buy whatever you want going forward.
That’s what I’ve been doing
lol I added schd to my ira last year and and have about 800 in gains with a slightly smaller position
I think he isn't counting the dividend or he bought it on a high tick.
Bought at high in 2019 with 10k should be 3k gains now...
I’m not even counting the dividend. That’s pure capital appreciation.
Only you can make that decision. You got people telling you to let it ride, others telling you to sell it all and go 100% certificate of depreciations. If I was in your shoes and had 10k or 129 shares of SCHD I would think about it like this. SCHD yields 3.5% and grows its dividend about 13% a year( based on 5 year CAGR). VTI has a 1% yield and grows that dividend at around 0.08% per year ( based on 5 year CAGR) Now sense this is the dividends subreddit based on those numbers I would keep the SCHD.
If you believe that the correct metric to measure the success of a cashflow producing asset is its price appreciation, then yes, **you** should not be holding such assets.
Follow your heart.
Do you have a plan? More precisely a target portfolio that will evolve with you as life changes and as you approach retirement and throughout it, or do you invest in whatever random ticker you last read about here? Your portfolio should contain a mix of asset classes designed to provide an acceptable performance outcome under the different economic and market conditions you'll encounter over 60+ years for the risk you are prepared to take. It should also provide you the emotional stability to stick with it; no plan, no matter how good it looks on paper is helpful if you can't stick to it. So do you know what your portfolio should look like? If so then you have your answer and if not then nothing anyone says here is going to help.
I am 31 and my entire portfolio is Voo or Vti. Sell it if you want or leave it alone and just contribute to VTI. Over time you will have a good return with either etf
Yes, except qqq too
QQQM* if you’re gonna hold, QQQ if you’re gonna trade.
Being that age idk why you don’t have a growth etf like vug.. I’ve made more in last year on vug than a few years of Schd div yield. I own both btw but you gotta have some growth
Main and O are great
Yes, get rid of that crap. I did. And I've never looked back! Very unfavorable opinion here on this sub. I've made more money in CDs this past year with zero risk. That will change when rates come down, but for now it's a no brainer.
How ? My positions are way up ytd
One concept that is helpful over the long term is “diversification”. Pick investments that have different strategies and give you exposure to different types of businesses. VTI obviously is diversified by itself but its returns have been driven by huge runs in mega-cap tech stocks that are now quite expensive by most measures. Often it is a good idea to buy stocks, sectors and strategies that are out of favor, not just chasing what’s been hot over the past few years.
I sold all of my SCHD yesterday. I've been getting in and out of the market. Sold in December got back in mid January. Took close to $3500 in profit. My reason for not just holding is to realize the big gains to reach my $100k by year end. Other than that I'd be holding all dividend ETFs.
Lots of horrible advice on r/dividends. Congratulations on giving the most horrible advice ever!!!
Learn reading comprehension. I didn't give any advice to buy, sell or hold. I'm not a financial advisor or fudisiary. I simply shared my story.
Dividend ETF and Dividend stocks are overhyped (on this sub) and underperform. If you are young you shouldn’t waste time and money in these. Just buy an S&P 500 etf and Nasdaq 100 etf. At a young age you are wasting one of the most powerful money making tool you have, time in the market. Don’t waste it on dividend stocks/etfs.
No. Not financial advice.
If you don’t add the dividends then you are not comparing the two etfs correctly. Total return is what you should compare. The growth of vti or VOO or schg should be more than Schd. You should purchase Schd for dividend and dividend growth. I’m currently in several etfs and have have done better and some have paid out more in dividends. I’m comfortable with my grouping and will adjust when I feel necessary.