VIG
Vanguard Dividend Appreciation ETF
stock NYSE ETF

I retired a couple of years ago, we had most in traditional IRA/401k accounts. I have basically gone to a 60/40 portfolio but my 40% bucket is not fixed income but income with more dividends including SCHD and VIG plus higher yield like JEPI, SPYI, JEPQ, O, and ARCC. Only about 10% in actual bonds and MMA. In addition I have been filling the 24% bracket with Roth conversions. Like you we are well prepared for a downturn and no need to sell during a correction.

Stock portfolio, is in a brokerage account btw.
I currently have these assets in the (PNC stock portfolio brokerage account).

—>mutual funds: (VTWAX + VDADX+ VBTLX + VTABX + VAIPX).
—>ETFs: (VIG + SCHD + SPYD).
—>PNC Investments: (whole shares for ETFs) and (partial shares for mutual funds). I did not know about the (whole shares vs partial shares aspect), and accidentally bought (whole shares for the above ETFs).
Anyways, I want to transfer my (PNC stock portfolio) to (Vanguard platform), for certain long term beneficial reasons.
I am just wondering about this. When I do go through with the “process of transferring assets,” ChatGPT has confirmed that (Vanguard will honor receiving all shares of the VANGUARD MUTUAL funds). Will Vanguard also honor, in receiving all shares of the (VANGUARD ETF + ETFs of other fund families)?

That’s a solid combo. I’ve got a similar mix — VOO for broad exposure, QQQ for growth tilt, and VIG for that dividend stability. Been leaning a bit heavier on VIG lately with rates where they are, but still like the long-term potential of QQQ.

SPMO/SCHD or SCHG/DGRW or SPMO/VIG. If you want to add international exposure with dividends VIGI. Single stock ideas: MSFT, GOOGL, JNJ, SWK, DD, BDX, AOS, F, DVN, PEP, SLB, UPS to name a few. I do have positions in all of the stock individual picks mentioned.

VOO, VGT, VIG and let the dividends from these DRIP and let the share price compound

I would prefer VOO. I also think VOO, QQQ and VIG are good etfs to own. Ratio dependent on your risk tolerance.

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!

>you could opt to change the brokerage from VTI to VIG to be a bit more aggressive in growth.
VIG is a dividend find. If you meant VUG, growth as a style has tended to under perform blend and especially value in the long run.

VIG VS FDVV?

Great portfolio, stick with it! You're pretty young, you could opt to change the brokerage from VTI to VIG to be a bit more aggressive in growth. You have time to roll with the hits and the pay off could be a lot higher compared to VTI. Otherwise, you're doing great!

If you look at 5 yr yields, the bonds fall flat. The times I own bond funds, they underperform for me, and lose money. The target funds also fall flat.
Also check out SCHD, and VIG.