SCHD
Schwab US Dividend Equity ETF
stock NYSE ETF

I read an article that listed and promoted all the best Dividend ETF's. I looked them up and none of them did as well as the SP500 or Total Stock Market Fund going back 30 years or more **with dividends reinvested.**
Here are the so called super Dividend ETFs:
VIG, VYM, SDY, NOBL, SCHD, DGRO, PEY, HDV, SPHD, SPYD, VIGI and VYMI.

Add more SCHD!! Can add $300 more to annual dividend

Risk tolerance does not go "from boglehead to wsb user." A Boglehead can have a very high risk portfolio.
I don't try to time things but why would you be shifting from "growth to value" *after* 5-10 years?
Why no Emerging Markets?
SPYG + SCHD roughly equals VOO/SPY.

O -2% BTI -6.68% LGGNY - 9.33% SCHD+0.24% PFLT -2.75% ET +4.9%
BIG THANKS to ET saving my potfolio!!!

I have been buying around $100 @ a shot every few days over the last several weeks in my Roth on SoFi, today I put that $100 into $SPLG because it was under $50 a share at the time, but it was sooooo hard not to buy more O . . .
I plan to hold for 10 to 20 years, so this is just a buy opportunity for me, and the monthly DRIPs will buy more shares.
Up over 300 shares across all retirement accounts, all currently in the red, and plan on continuing to buy O/SCHD/SPLG until I max out my Roth contribution for the year.
Yes, it's all very emotionally scary right now, but I keep telling myself, I bet you're going to feel pretty good in 2033 . . .
WB says, just keep buying and holding, and he seems to be doing just fine 🙂

Buy on the dip. SCHD.

Yeah, I hear you. I've lost about a quarter of my YTD gains this last week. Ugh. It will bounce back. I am taking the opportunity to buy more SCHD and SCHY - but I wish SCHY was quarterly.

>This idea that you "get more shares" is irrelevant if the shares are worth slightly less each distribution.
Except they aren't. If the value of the shares diminished permanently with each distribution, then all dividend stocks would go to zero. The slight dip in momentary, and as I said, in something like an ETF the slight loss is averaged out across the holdings. And as you collect more shares your distribution gets larger, there is no loss.
VTSAX is closer to 1.5% dividend yield, where as SCHD and DGRO are over double that. And the percentage growth of DGRO is higher than VTSAX. SCHD not so much, but that is because it is focused less on growth than absolute yields.
Y'all can be doubting Thomases if you want, but people do it, and it works. Do what you want and\\or what you are comfortable with. But dismissing the idea of dividend investing as a working strategy that can potentially lead to a passive income source is flatly wrong.

I recently started a new job at a small employer and am not sure how I should allocate my 401(k). I'm around 30 years old and have always just dumped previous 401(k)s and my Roth IRA in 2060 target date funds because I don't consider myself a savvy investor, but we don't have those as options. I have what seem to be really good fund options for a small employer, so I'd rather go it alone than use our pricier model portfolios.
I'd appreciate any advice on how to allocate this 401(k) based on my available fund options. The ones I've listed below are my options with expense ratios under 0.10%. I think I can put together something solid using these, but there are other funds if needed.
**Domestic Stocks**
* Schwab US Dividend Equity ETF (SCHD) - 0.06%
* Vanguard Value Index ETF (VTV) - 0.04%
* Vanguard S&P 500 ETF (VOO) - 0.03%
* Vanguard Growth Index ETF (VUG) - 0.04%
* Vanguard Mid Cap Index ETF (VO) - 0.04%
* Schwab U.S. Small-Cap ETF (SCHA) - 0.04%
**International Stocks**
* SPDR Index Ptf Devel World ex-US ETF (SPDW) - 0.03%
* Vanguard FTSE Emerging Markets ETF (VWO) - 0.08%
**Domestic Bonds**
* Schwab Short-Term U.S. Treasury ETF (SCHO) - 0.03%
* Vanguard Interm-Term Treas Index ETF (VGIT) - 0.04%
* Vanguard Total Bond Market ETF (BND) - 0.03%
* iShares 0-5 Year TIPS Bond ETF (STIP) - 0.03%
**International Bonds**
* iShares Core Intl Aggregate Bond ETF (IAGG) - 0.07%
One idea I had was something like VOO 60%, SPDW 20%, BND 20%.
Should I should include a small amount of VWO too (e.g. SPDW 15%, VWO 5%)? Would it be worth doing something a little more complicated for the US stocks portion of the portfolio to mimic the total stock market a little more closely? What would you recommend?
Thanks in advance! Hugely appreciate it.

Wait are we no longer fans of SCHD and JEPI?

So if I add VT and get the international mixed in, I get a bunch overlaps with my existing ones. QQQM 97% of those are in VT, SCHD has 90% and SPY is 100%. Do I still keep those knowing VT has 9000 some other holdings? Or is it beneficial to go all in on VT?

I see Jepi, SCHD etc dropping..

May be that is not the only way to look at it?
Lets say there are 2 portfolios. One is 2M but you have to sell 4%. But another is 1.5 mil and you get 4% dividends. And will probably rise and fall with same rates as 2M portfolio. Which one would you chose? At the end of the day you want more money right?
It makes even less sense saying that this year. Would you rather have invested in QQQM or SCHD at the beginning of the year till now?

I’m 43 and just starting to take interest in ETFs and building a portfolio. I’ve started later than I should have, but I do have a decent 401k in place so hopefully I am going to be alright. So far I’m in 33.3% split three ways between SCHD, SPY & QQQM. I’ve done some chart overlaps and it seems like I have a decent mix here. I don’t want to get in over my head but I feel like I should add one or two more to add more diversity . What’s your thoughts?

Assess Your Expenses: Calculate your expected retirement expenses and determine how much income you need from your investments to cover these expenses. This will give you a clear target for your income-focused investments.
Dividend-Paying Stocks: Consider dividend-paying stocks from stable companies with a history of consistent dividends. Look for companies with strong fundamentals and a track record of increasing dividends over time. Examples include well-established companies in sectors like utilities, consumer staples, and healthcare.
Dividend ETFs: Explore dividend-focused ETFs (Exchange-Traded Funds) that provide exposure to a diversified basket of dividend-paying stocks. Some popular dividend ETFs include SCHD (Schwab U.S. Dividend Equity ETF),VIG (Vanguard Dividend Appreciation ETF) and
JEPI (JP Morgan Equity premium etf) .
These ETFs can offer a balance between income and diversification.
If you need more details,you may consider to checkout the article [JEPI dividend history](https://usaheadlinewebstories.com/jepi-dividend/)
Bonds and Fixed Income: Allocate a portion of your portfolio to bonds and fixed-income securities. Consider a mix of corporate bonds, municipal bonds, and Treasury bonds. Bond funds or ETFs can provide diversification within the fixed-income space.
Real Estate Investment Trusts (REITs): REITs are companies that own, operate, or finance real estate that produces income. They often pay high dividends and can be a source of regular income. However, be aware of the risks associated with the real estate market.
Dividend Growth ETFs: Look into ETFs that focus on companies with a history of growing dividends. These ETFs typically invest in companies that have a strong commitment to returning value to shareholders through dividends. Examples include DGRO (iShares Core Dividend Growth ETF) and NOBL (ProShares S&P 500 Dividend Aristocrats ETF).
Annuities: Annuities can provide a guaranteed stream of income in retirement. Consider speaking with a financial advisor to explore annuity options that suit your needs.
Diversification: Diversify your income-focused investments to spread the risk. Avoid putting all your funds into a single asset class or sector.
Regular Review: Regularly review your portfolio's performance and make adjustments as needed.

>Additionally, why not hold money in a Money Market Fund and just reinvest the dividends there? Right now, some MMFs are paying interest of 5%+. Isn’t that essentially a similar strategy?
The advantage of owning a dividend-paying stock, or a fund like SCHD that holds dividend-paying stocks, is that in addition to income from dividends there is the likelihood of capital gains from share price increase.
For example, the share price of SCHD 10 years ago in Oct. 2013 was around $34. The share price now is around $70, more than twice as much. So an investment in SCHD in 2013 would have more than doubled in value just in capital gains from share price increase, *without even counting the dividends*.
With a money market fund, there is no chance for capital gains. The share price is designed to always be $1. It will never increase, much less double.
You will never become wealthy just by collecting 5% per year in interest.

neither.
you need international stocks, and smaller US stocks, in addition to the larger company US stocks that dominate VOO, SCHD and QQQM.

SCHD at the current prices is a steal

Not yet. Waiting for SCHD to be under 60 before even thinking of owning this market

For long term investing I would recommend keeping it to 5-6 funds max. If you own too much funds it becomes quasi active investing because theres so much sectors that you have to manage and it becomes stressful. I would recommend keeping it simple like VTI main holding, add some small capvalue AVUV and some international VXUS. In addition to these three i also own QQQM and SCHD. Thats it! Keep it simple!!