DGRO
iShares Core Dividend Growth ETF
stock NYSE ETF

DGRO, ULTY

Agree, CC ETFs are not dividend ETFs. NOBL, DGRO, SCHD, they qualify.

I am retired. My initial strategy was dividend growers such as SCHD, DGRO, VIG, etc. spending all dividends while not touching principle. Recently I have sold some of these to experiment with covered calls (DIVO and JEPQ). Those have been winners in both growth and dividend since I bought them. Meanwhile the growers like SCHD have been a drag on my portfolio balance.
I am considering shifting all equities to higher dividend funds like GPIX, GPIQ and IDVO and reinvesting half of the (over doubled) dividends. My thinking is that with reinvested dividends, this new approach would lead to both higher income and growth over time. Thoughts?

Hi all, I’m 65 years old and still working. I won’t need to draw from my portfolio for another couple of years, and I’ve been reviewing my allocation to see if I should shift gears while I still have time on my side.
Right now, my total portfolio is about $1.35 million, spread across taxable and retirement accounts. I’ve been holding a mix of bond ETFs for preservation—mainly VCIT, VCSH, and VGIT with the idea that they’d provide stability and yield while I bridge into retirement.
But with money market rates now around 4.2% and these bond ETFs only delivering modest price performance and some duration risk, I’m questioning whether my capital is really working hard enough for me right now.
After digging into the numbers and getting some input, here’s the shift I’m planning:
• Selling VCIT, VCSH, and VGIT while I’m slightly up overall
• Parking proceeds in money market for now (4.19%)
• Gradually reinvesting into dividend growth ETFs like DGRO and VIG, and potentially adding to quality names like MSFT, AVGO, and AMZN
• Keeping cash as a buffer, but aiming to grow capital while I still have 2 years before needing income
My goal is preservation with upside—not aggressive growth, but more total return than bonds have offered lately. Does this make sense at my stage? Are others here doing similar reallocations heading into retirement?
Would love to hear how others are thinking about the role of bond ETFs right now vs dividend-focused equities or defensive quality stocks. Thanks in advance!

Im 38 and new to this, i have weekly buys at
25$- DGRO- 21 shares/ 25$- ITOT- 11 shares/ 25$- NVIDIA- 6.5 shares and some XRP crypto.
I started to add VOO into the weekly but im not sure if its overlapping to much with ITOT.
Should i just focus on more money into DGRO & ITOT for growth? Any advice appreciated.

Worthit specially these super high dividends, meron nga ako yung BITO taas ng yield on cost ko dun since nabili ko siya wayback 2023 pa so far very positive nmn ang return including the dividends. I think you only consider the -25% WHT if you are planning to invest on those low yield but growing dividend ETFs like SCHD or DGRO.
You need to consider like SCHD ba or mag REITs nalang dito sa atin...

I don’t understand the idea between Yieldmax ETFs. NAV erodes at a pace almost 20-30% year. 70% yield at 20$ NAV isn’t same as 70% yield at 10$ NAV. Can someone please explain me what I am missing? Why can’t people hold SCHD/DGRO and forget?

DGRO, ULTY

Agree, CC ETFs are not dividend ETFs. NOBL, DGRO, SCHD, they qualify.

I am retired. My initial strategy was dividend growers such as SCHD, DGRO, VIG, etc. spending all dividends while not touching principle. Recently I have sold some of these to experiment with covered calls (DIVO and JEPQ). Those have been winners in both growth and dividend since I bought them. Meanwhile the growers like SCHD have been a drag on my portfolio balance.
I am considering shifting all equities to higher dividend funds like GPIX, GPIQ and IDVO and reinvesting half of the (over doubled) dividends. My thinking is that with reinvested dividends, this new approach would lead to both higher income and growth over time. Thoughts?

Hi all, I’m 65 years old and still working. I won’t need to draw from my portfolio for another couple of years, and I’ve been reviewing my allocation to see if I should shift gears while I still have time on my side.
Right now, my total portfolio is about $1.35 million, spread across taxable and retirement accounts. I’ve been holding a mix of bond ETFs for preservation—mainly VCIT, VCSH, and VGIT with the idea that they’d provide stability and yield while I bridge into retirement.
But with money market rates now around 4.2% and these bond ETFs only delivering modest price performance and some duration risk, I’m questioning whether my capital is really working hard enough for me right now.
After digging into the numbers and getting some input, here’s the shift I’m planning:
• Selling VCIT, VCSH, and VGIT while I’m slightly up overall
• Parking proceeds in money market for now (4.19%)
• Gradually reinvesting into dividend growth ETFs like DGRO and VIG, and potentially adding to quality names like MSFT, AVGO, and AMZN
• Keeping cash as a buffer, but aiming to grow capital while I still have 2 years before needing income
My goal is preservation with upside—not aggressive growth, but more total return than bonds have offered lately. Does this make sense at my stage? Are others here doing similar reallocations heading into retirement?
Would love to hear how others are thinking about the role of bond ETFs right now vs dividend-focused equities or defensive quality stocks. Thanks in advance!

Im 38 and new to this, i have weekly buys at
25$- DGRO- 21 shares/ 25$- ITOT- 11 shares/ 25$- NVIDIA- 6.5 shares and some XRP crypto.
I started to add VOO into the weekly but im not sure if its overlapping to much with ITOT.
Should i just focus on more money into DGRO & ITOT for growth? Any advice appreciated.

Worthit specially these super high dividends, meron nga ako yung BITO taas ng yield on cost ko dun since nabili ko siya wayback 2023 pa so far very positive nmn ang return including the dividends. I think you only consider the -25% WHT if you are planning to invest on those low yield but growing dividend ETFs like SCHD or DGRO.
You need to consider like SCHD ba or mag REITs nalang dito sa atin...

DGRO shouldn’t be there imo. You’re 26 and shouldn’t start to focus on any income until your late 30s minimum. I recommend imo that it should be better put into s&p500.

I distributed $1000 per month SPY/VOO 50% and 50% QQQ/QQQM and $900 on 401k on S&P 500 index fund for 22 years. my main focus for the next 10 years is to grow a dividend growth portfolio. 30% SCHD 30% DGRO and 40% dividend growth stocks (V, UNH, and PEP) at the moment. Looking to add more but willing to sit on the sideline for better buying oppertunities.