SCHD
Schwab US Dividend Equity ETF
stock NYSE ETF

I own LOW and think its a great addition. I don’t personally own the rest nor SCHD but you can’t really go wrong with it. If you plan on buying individual stocks I always recommend you read the 10K. Its your money so know what you’re buying.

Heel erg bedankt! I wanted to buy JEPI, O, SCHD, but only saw O available on De Giro website 😢

I am just getting into dividends and was going to split a few thousand between SCHD, PG , SNA , LOW, and KO . Any advice or opinions on any you’d advise against on my list or does this sound good?

GG OP, great points. SPLG DGRO DGRW SCHD PNC. That’s it. Divi + growth speaks for itself

SCHD is undoubtedly one of the best dividend growth ETFs. I don't personally own it because apparently I'm a masochist who enjoys hours upon hours of due diligence on individual stocks, but that's a different story.

SCHD 💯 baby ! Actually 60% but you get My drift....

I hold VOO/SCHD currently as well. From all the research I’ve done it’s a good mix of Growth and dividends and you’re diversified.
I have it as 60% VOO and 40% SCHD. It’s up to you, but in my opinion I think you would benefit more doing a 70/30 allocation VOO/SCHD and as you build up the foundation.
People tend to allocate towards dividend paying funds as they get closer to retirement or their goals. So that’s something to look into later in life as well.

tldr; 23 years old - 50/50 chance I make it to retirement age due to medical conditions. Not sure if I should still focus mostly on my Roth or contribute evenly between Roth / individual account.
Currently my roth is 80% VTI / 20% VXUS. I recently opened an individual account where I have some SCHD & VOO and planned on adding more dividend stocks in the future (REITs / BDCs / some higher yielders way down the line).
My current dilemma is whether I should still try to add more to my Roth IRA or keep an even split, some thoughts on my current holdings would be appreciated as well.

Good thing SCHD screens stocks for financial health and dividend sustainability.

I’m an SCHD fanboy like man of you. I pray to the book of Schwab nightly that my dividends rise from the dead on the 3rd month and every 3 months after that.
My question is: Do you feel that international exposure is necessary and if so, where would you prefer to put your money? In SCHY or in select international stocks (with my favorites being BHP, RIO, TD, RY, and BTI)?
What do you think? And if select stocks is your preference, what other individual international stocks do you like?
Thanks for your time everyone, both my fellow SCHD zealots and those who oppose.

Ok that makes sense. So I recently started investing and I’ve been putting $500 into my brokerage and buying SCHD with every paycheck understanding that the dividends I receive will eventually buy a whole new share by themselves with the reinvestment.
I guess the goal would be to stay consistent with my contributions so I can turn off the DRIP in retirement and use those dividends to live off of or at least help cover a portion of my expenses in addition to what I’ll be drawing from my 401k and Roth.
I’m 26 now and a long ways off retiring but for someone my age would it be better to focus more on a growth fund at this stage or instead do a 50% split between SCHD and a growth fund?

Did you get your div yet? My TD account still hasn’t gotten the div for SCHD

I have a very uncommon situation. No debt, been earning well since 18 and made some lucky investments (NVDA and AMZN mainly, plus other stocks and ETFs). End of year 2021 my portfolio jumped a little above $100k a few months before I turned 23. You can imagine how 2022 went. Sold AMZN a little while before the lows, but my NVDA is staying put. I've kept investing heavily and am back up well above $100k. I loaded up on tech during 2022 but so far in 2023 I've been buying only VTI/VXUS/SCHD and probably will continue to do so unless we have a proper drop again.
I don't think $100k is a magic number for everyone. It's pretty relative to each person. I think once your investments are big enough that their return is about equal to the amount of capital you are able to invest each year, that's where the magic starts to happen. If you invest $10k a year, and your $100k returns $10k as well (10%), then that's your magic number, and each year you'll see it compound at a much more rapid pace compared to before. That's how I look at it anyway.
For me I don't think I'll really feel good about easing off the gas until at least $300k. Maybe $400k? Maybe more? It's so hard to say when it's still far in the future.

i bought SCHD and VOO because i like them but also in the dividends section on fidelity it shows the yearly dividend income for those. for FZROX it doesn’t show it clearly if that makes sense.. but everyone seems to be saying just buy FZROX so i will do that. what if i just leave voo and schd in my roth? when i get close to retirement is that bad that i have those in there?

Is it a smart idea to DCA into some bond ETFs such as BND, BSV, and EDV since their price is so low right now? I invest primarily in ETFs like SCHD, SPLG, QQQM, VT. I am 20 years old and the majority of my holdings are in a Roth IRA.

>sell all of these (since this a Roth IRA you don’t have to worry about taxes of anything) 2) wait a couple days for roughly 6k worth of cash to settle into SPAXX
They'd only have to do this for VOO and SCHD. The others can be exchanged directly (SPAXX already counts as cash).
>4) go to “More Features” and then select Dividend reinvestments so that whatever dividends you receive from the Total US stock market fund, it will automatically reinvest it back into the security so you will have even more shares every quarter
I thought this was already the default at Fidelity, at least in IRAs.
Also FSKAX only distributes 2x a year and FZROX once a year. But don't worry, the fund is internally reinvesting for you between fund level distributions, so your account value isn't affected.

Ahh that’s a fair point. I looked into it a little and it does seem like international might outperform in the upcoming years. I could increase my international allocation a little by replacing SCHD with AVDV like someone recommended in the comments.

I agree. I just plugged SCHD vs S&P500 since inception and they literally both are showing 292% in appreciation with dividends reinvested - that wouldn’t account for a dividend tax drag if SCHD is in a taxable account. If it’s for a value play I’d argue you’re better off adding a tilt from an Avantis fund. Dividends themselves are meaningless if you don’t need the income now since they’re essentially a forced taxable sale off the stock price.

My Roth consists only of three holdings: VTI, SCHD, & VWO. Can anyone suggest 1-2 other ETFS to diversify more?

You say you're doing 60% VOO/ 40% SCHD, but on your screen shot I only see the SCHD. I would try to keep adding to both at the same time. That way you don't miss out on growth and dividends of either while building just one at a time. Not financial advise ofcourse, just how I see it.