SCHD

SirGlass

SWPPX and SCHX are almost the same thing (SWPPX is S&P500 while SCHX is dow jones large cap) they are a bit different indexes but they are going to perform almost the same or very very close All of the companies arel also contained in SCHH and SCHD so unless you want to be over weight real estate or dividends/value However SCHE and SCHF have no overlap as they hold foreign funds so I would keep those as it So nothing wrong with holding those but I might consolidate SWPPX and SCHX and just hold one or the other

eolithic_frustum

My own personal quibbles with how brokerages market products to newbies aside... I'm all for them. I actually buy fractional shares all the time, as it allows me to invest exact dollar amounts according to the allocation I desire. I also have a running bet with a trader friend. Every year for the last 3 years we have a contest: We both have a Robinhood account, he actively trades options and stocks and cryptos, and I just buy $9 of SCHD, $9 of SCHG, and $2 of AGG every day. I had better returns than him in 2022 and 2023, though I will likely lose in 2024. I bring that up to point out that I'm technically buying fractional shares every day. They do have a point, and they can be beneficial to someone with a small account.

fgoodwin87

I have my Roth IRA on Charles Schwab. Currently, I have my money in SWPPX, SCHH, SCHE, SCHF, SCHD, SCHX, SCHA. I chose these trying to mirror a target date index fund but didn't really want bonds included so I did everything individually and I also like the process of buying whatever I choose every week. I.guess I want to know if these funds are pointless if I'm investing in SWPPX and if there is a lot of overlap here.

PM_ME_YOUR_CTOE

Dividend hunting? Search no more. Invest in $JEPI $JEPQ $MAIN $ABR $SCHD.

theduderino38

I’m with you man- and following a similar strategy although a larger percentage of stonks still in weedstonks I’ve been adding to mega cap tech, cloud and dividend stonks to rebalance and currently about 70% cannabis 30% cloud tech cyber I’m adding to NVDIA Apple Microsoft Polaris - Verizon , JEPI , DIVO, SCHD and MU for dividends , A lot of my (eventual ) gains from selling weed stocks will go directly to dividend stonks. - good luck and I’m still here abiding my time….

Aceofspades968

So I’m not wrong, great, thanks for letting us know. I was halfway expecting you to suggest VOO or SCHD. Have you met Reddits financial lord and savor?

Unlikedbabe

My entire family is on SCHD .

Putrid_Pollution3455

Right, but it’s an illusion is what I’m saying… i’ve been observing gold lately… The fund GLD for simplicity purposes… The shiny rock does not pay any dividends and if you compare the total returns to that compared to something like VYM or SCHD, you’ll notice that it keeps pace pretty well, considering it doesn’t employee anybody it doesn’t pay any taxes and it fundamentally doesn’t really do anything compared to businesses. There is the tax issue about gold where it is currently taxed as a collectible if you hold it for more than a year, but if you get the spot price ETF, you can just take a margin loan out on your assets and never sell it so long as you keep borrowing percentage and interest rates remain as low as they have been historically.

moonordie69420

I no longer have faith in these markets. i have sold all my play stocks and invested in Bitcoin cash. My 401 will just ride the tide with SCHD

Pushinir0n

You have your foundation (VTI) You have your dividend covered (SCHD) and You have your growth covered (QQQM)

Pushinir0n

Invest in VTI 60% SCHD 20% QQQM 20% . That’s exactly what my Roth is too. Leave it alone for 20-25 years . Keep making it out.

Putrid_Pollution3455

divs are an illusion anyways! I used to be a big SCHD fan, but then I noticed the share price dropping by the exact amount of the dividend every single "payday". They should make a memecoin that pays a 5% dividend/interest payment and just do the same magic trick to help people realize that you can't own a company/anything for that matter, and magically create money out of thin air. I've never messed around with selling put options before, but I think you normally want to sell options as a strategic way to enter and exit positions.

Otherwise-Ad6670

Hmmm well I think falling $17% for META is a play that was done to curve growth a little bit and for more entry positions for people with money. I do believe in its growth and price in the future, so I guess that’s why I put 40k into it. And a single CC premium on Meta isnt that bad, I can keep selling it way out the money and collect $200 a week while it’s still growing. And port that $200 a week into something like JEPQ or SCHD.

30vanquish

Not financial advice but an opinion. Move 100k from the HYSA to fidelity or Schwab. Add 50k VOO (s&p 500 fund) and 50k SCHD (dividend stocks). Leave it and it should grow.

scientropic

There’s nothing wrong with dividends per se, but the funds you cite are specialty vehicles that essentially use options to convert capital appreciation into income. They’re targeted mostly at investors who prioritize current income. For conservative investing with dividend paying stocks, look to true dividend funds like DTD, SCHD, DNL, VYMI, etc. You will have more tax drag as you accumulate than with low dividend stocks, but if your long term objective is dividend income you could avoid taxes later when you try to convert a growth stock portfolio to an income portfolio.

8utterbee

This is from one of my portfolios: 33% Foundational: SPLG (or IVV or VOO) 33% Growth: QQQM and VGT (or XLK) 33% Dividend: DGRO (or SCHD) I’d make it 40% in foundational, 40% in growth, and 20% in dividend if as young as 21 years old :-)

SnS2500

VTI is up 5.16% for 2024. QQQ is up 3.78% for 2024. SCHD is up 1.88& for 2024. KO is up 5.61% for 2024. Congratulations on buying them this past month when they dipped a bit.

Key-Mark4536

For me it’ll probably be some combination of bonds and dividend-aristocrat stocks. Companies could always or suspend their dividend, but with a fund like SCHD that selects companies with strong dividend histories and pays a solid yield (currently 3.4%), I may not have to sell much of anything.

USER_citizenfive

SCHD?

PremiumQueso

Options are gambling more than investing. Buy a solid ETF you have researched to start. Let that sit 20 years and you’ll beat the vast majority of option traders. Plus with a set it and forget it ETF strategy you don’t have to follow the market minute by minute. I’ve only bought three ETFs in the last 12 months. VONG, QQQM, and SCHD. I make at least one purchase a month and never sell. I used to buy individual stocks. But I’m 100% ETF now. I can’t see my strategy changing much in the next 12 months. Maybe trade out SCHD for DGRO or VIG.

No-Improvement3164

SCHD is still red 1%

No-Improvement3164

SCHD is still red 1%

Temporary_Ad_5947

Buy 50/50 between VOO and VIG (or SCHD). Then just keep adding to those. Don't do anything else

drew-gen-x

I'm guessing on $META support level based on the long term 50 DMA. I don't own the stock. I'm invested in the $SCHD stocks and gold.

Realistic_Part_7725

VOO, SCHD, BRKB (in 40 years there’s a chance that BRK owns most the world 🤣)

arizonaskies2022

Put 40k in SCHD Schwab US dividend equity fund. Have all dividends re-invest.

RedTruck1989

Nice port you have going there. I would clip some of your losers and maybe add them to a dividend payer like SCHD or something similar. See YouTube for some great dividend play ideas ("How to retire on $50,000 in dividends" type of videos.

perfmode80

> Taxable Account: VOO, QQQM, SCHD or VIG Assuming you're still working (and thus do not need dividend income), holding SCHD/VIG means generating taxable dividends. This means paying taxes even if you never access your investments. The conventional wisdom is to avoid dividends in taxable accounts.

BiggyFluff

**The First $100,000. Does the snowball need to be constructed in a particular way?** Let's say I have VOO QQQ SCHD portfolios in both Fidelity and Vanguard totaling $100,000. When they say that the snowball/compounding explodes after $100,000, does it matter that the assets are split 50/50 in separate brokerages? Like, does the acceleration of the compounding math still work if the $100k is $50k in Fidelity, $50k in Vanguard? Or is consolidation required to unlock velocity? Also, is there a time mechanism involved also? Like, does the explosion still occur if the $100k is lump summed or does something like SCHD only really rocket when it's bought, then kept and DRIPped for a decade+?

Sea_End_1893

My situation is unique, as with every investor. My biggest problem when I started investing was FOMO and also checking prices every single day. As for "paid out", I am not at retirement age. I have gains and profits, and I'm green across the board, but I won't touch the money until I need to. I don't run the market like a casino, I don't do options, I don't do puts or calls, I just put money away every month like a savings account, and let it cook while I live my life. I'm with Fidelity, so I have FNILX as my main fund. I have MAIN and GAIN, O and VICI, SCHD and FNILX, and one day I put $30 each into JEPI and JEPQ just to start rolling dividends lmao With partial shares, or slices, or whatever you want to call it, It takes like no effort to slap $20 into VOO and let it sit for a month just to see the percentages.

hrm015

ETFs and dividends are not mutually exclusive — a lot of broad market ETFs (e.g., SPY, VUG, SCHB, etc) pay some sort of quarterly dividend. There are also dividend-focused ETFs, like SCHD

redditissocoolyoyo

Voo or VTI and chill bud. Or SCHD and jepq as well. Monthly, automated, set it and forget it.

Boysenberry-Dull

I started at 29 as well. It starts slow man but you got to get going at some point. You’re early enough that it’s more than worth it. Open a Schwab account and start putting money in monthly. By safe stocks, I do mostly Schwab ETFs… SCHG, SCHB, SCHD, SWPPX, SCHA, SCHF. Not equally weighted. I invest bi weekly and have had a 9% return over 3 years. Started at 29

g_vfx_art

Hi! Newb here, 36 y/o. Having trouble understanding something about "dividend growth %".Hypothetically, let's say my Roth IRA is $2m when I retire. Rather than just spending that money, maybe I want to live off the money it can generate.I can put it in a HYSA at 4-5%, and be happy with the interest gained off that.But what if I start building a separate brokerage account now - say SCHD or some other dividend fund - will the "dividend growth rate" push the money earned per year well over 4-5% by the time I retire in 30 years? Thanks!

ClutchCon

Never thought I’d see the day that SCHD was trending in WSB

JPows_ToeJam

Lmao why the fuck is SCHD on there Fuckin boomers taking over man

animositisomina35

SCHD was $75 at the end of April 2021 and is up 3.6% since then. Google was $118 (adjusted for the split) and is up 32% since the end of April 2021. Perhaps you are looking at a 2 year chart?

No-Improvement3164

Source: look at the charts. All are flat. SCHD pays 3.5% dividend genius

No-Improvement3164

SCHD has out preformed Apple over the last 3 years

Alec_NonServiam

The good news is a nice portion of SCHD is qualified divs, that's the whole point. The bad news is QD's are never "better" than LTCG's unless you're intentionally realizing taxes as the portfolio grows unless you're hedging against LTCG rates going up in the future.

dudehonestlyfuck

SCHD is one of my favorites

Cash_Option

Sell everything and buy QQQM and SCHD i know that's boring but i bet you will beat the s&p 500

itsmyfirsttimegoeasy

I do VOO and SCHD in my Roth.

rammerjammin

Correct. I want to leave my TSP at 100% C Fund. I have a Roth IRA full of SGOV that I can liquidate and put into whatever. Possibly SCHD. Was maybe thinking a targeted ETF too like FTEC or FENY. Have a brokerage as well. Was thinking about blowing it all on 0DTE SPY options 🤠

RJ5R

Interesting. Are you holding SCHD in taxable? I was under the impression you want to avoid dividends in taxable if you can?

bmeisler

Enough with VTI and chill! It’s like 30% mega cap tech stocks - despite the name, it is NOT diversified. SCHD (dividends), VTV (blue chips), VB (small caps) - a mixture of those with say 50% VTI - that’s diversified. You can add foreign stocks - but VWO has sucked for 25 years.

fuckaliscious

Stop doing what you're doing, put everything into VOO, VTI and SCHD. Contribute to each ETF monthly, leave it invested. That's it.

J00100101

I do this. VOO, SCHD and I throw in BRK. I know Berkshire isn't an ETF per say, but imo it pretty much is.

Sweet-Sea5935

Hey everyone. I am 20 years old, second year college student in New York. And I live in New York. I have income through Work Study and Internships. My main objective is to simply grow this money and take it out in 3-6 years to help buy a car. Given my full portfolio right now. I am invested in Apple, Microsoft, NVIDIA, SCHD, SCMI, SPY, VTI. I don’t have 1 whole stock of anything except for SCHD. Everything else is 0.1 etc for example. Would you say that its a good portfolio? I am really wondering if I should put more in VOO or SPY, but my issue is when should I buy because how low can it really get and thus how high can it get as well. I am somewhat new to this and currently have $600 in Robinhood.

Sweet-Sea5935

Thank you so much. Given my full portfolio right now. I am invested in Apple, Microsoft, NVIDIA, SCHD, SCMI, SPY, VTI. Would you day that its a good portfolio? I am really wondering if I should put more in VOO or SPY, but my issue is when should I buy because how low can it really get and thus how high can it get as well.

itsmyfirsttimegoeasy

I hold VOO and SCHD together, they have an 8% overlap by weight. Here's a fund overlap tool. https://www.etfrc.com/funds/overlap.php

AlfB63

I'm sorry about your dads situation. As to retirement, one consideration is that the best way to increase retirement is to delay SS as long as possible. Maybe waiting to retire a couple of years may be a thought for your mom. But if she indeed retires soon, a target date fund is not a good idea. I would consider a solid income oriented fund. That could be something like SCHD on the low end of yields with some growth to something like JEPI or JEPQ on the higher end of yields but less growth.

pandamonium-420

VOO + SCHD and call it the day.

Historical_Low4458

Now imagine what your portfolio would look like today if you also had something like SCHD and small cap in addition to VOO.

ptwonline

Isn't it amazing (though not in a good way) to have this kind of power? Back in 2021 I wanted to buy bonds as part of my asset allocation. However, we had higher inflation for months and so I wanted to wait because for the life of me I couldn't figure why interest rates had not risen yet. Months and months I waited. Finally I decided I just needed to do it and started my rebalancing. Within a month rates FINALLY had shot up and bonds crashed. I've continued to buy bonds as part of my allocation since then but because my inital buying was at such a higher price that I've bought 80% of my shares at an avg of about $22.70 but my overall average cost is still around $23.50. Sooooo frustrating. Or how about the tech stocks at the start of 2023? For quite a while I had wanted to rebalance out of so much tech and put more into value, but then tech crashed around Sep 2022. I didn't want to rebalance while they were down so I waited for months. Finally early Jan I decided that there was no use just trying to wait and time the market so I sold a bunch off and almost immediately those tech stocks took off like a rocket and have almost doubled since then. At the same time I decided to just put the proceeds into something safer and more steady and I was thinking of either the rock-steady SCHD or just an S&P 500 fund. I chose SCHD...and that is the quarter where SCHD finally started to suck after a decade+ of doing well and fell waaay below the S&P performance. Wow, so timing. Such choices. Much perfect. And even in the past 2 weeks. I had wanted to buy some Brookfield (BAM) stock for a couple of years but kept putting it off because there were other things I wanted to buy. Finally got my tax refund and pulled the trigger. Look at the chart for BAM in April 2024 and I bet you can guess to the day when I bought, and I've lost about 7% since then. Timing: immaculate. Now, my timing isn't always bad. But it's kind of like literal 50/50 choices I make: I get it wrong about 75% of the time. Flipping a coin? Guessing a dice roll will be even or odd? Etc. It's been a running joke in my family for decades and keeps getting reinforced because it keeps happening. It's actually amazing. Nobody wants to be my partner in things like board games because I'm so amazingly unlucky LOL.

Library_Throwaway999

Big tech companies were wildly overvalued according to business fundamentals and index funds are disproportionately exposed to big tech. Big tech companies got too expensive and index fund growth started slowing in February and March. Growth got downright choppy in early April, then Powell told us that the CPI hadn't decreased enough and Israel and Iran started going at it - people freaked out and sold. My .02? The CAPE for the S&P 500 and the Nasdaq was too damn high! The market was overpriced and a correction needed to occur. I don't think the pullback would have been as drastic if we weren't coming off such a ridiculous boom cycle. Annoyed with the rigidity and dogmatism of the Boglehead approach. It absolutely works for the most part but it has its flaws. Yes, the index funds are going back up! No, I don't want to buy them at all-time high valuations! Some of these value index funds like SCHD with boring blue-chip companies are looking attractive by comparison. Can we try to hedge and respond, FFS?

wayfarer8888

But you don't need to beat those quants. You just need to beat the dumbest ETFs like SPY or SCHD. https://youtu.be/zcTwdtcPu34?si=_9Vsgwfm0zL0Mw0c

No-Improvement3164

Ok. Look at JEPQ and SCHD 1 year charts. SCHD appears to have bounced off 200ma on Friday. JEPQ close to hitting the 200ma.

DifferentSwing3149

I have a pension, retired last year at 65, over 30 years, get around $4,200 a month no COLA. I plan to offset the COLA with dividends. Adjusted my portfolio and picked up JEPI and SCHD. Gonna get in on JEPQ now with the dip. Gonna delay SS a little longer and see how things go.

No-Improvement3164

SCHD was up over 1% I don’t believe I’ve seen this difference before. Up substantially to QQQ.

No-Improvement3164

JEPQ, IWM, SCHD Apple

zooka19

Dumped money into VOO/VUG/SCHD in my gia and VUSD/EQQQ/FUSD in my ISA

Sweet-Sea5935

Hey guys. I'm very new to this subreddit, I just joined yesterday and I was reading through all of the posts/comments. And I have two questions actually. The first is, why are a lot of people recommending investing in VOO, QQQ, SCHD, and QQQM? | was wondering what interests a bunch of people on it. Secondly, I'm somewhat new to investing and have taken it seriously within this year. I just wanted advice on what to invest in and how to more diversify my portfolio. Backstory is that im 20M, sophomore in college, and my main goal is to save for 2-6 years or till I am able to afford a car. I do have a part time job and an internship. I do currently have stock in NVIDIA, Microsoft, SCMI, SCHD, VTI, and Apple. But none of these are actually 1 whole stock its like 0.178181 for SPY for example.

OakleyPowerlifting

I need to at least max out mine my wife’s Roth IRAs this year, and I was wanting to do more, but what are yall thinking going into this possible market correction? I’ve been DCAing $150/wk per account to get the max contributions for each account, just into mainly VOO, SCHD, VEA, VWO, VTI, BB, SFYX, MSOS, VT, O, and a Fidelity Go account. People are suggesting putting my investing into a money market account or my 4.6% savings until we get lower, but not sure if SGOV in the Roth would be a good option or stay on track DCAing into my usual funds and ride it down. Open to any advice.

myco_psycho

That makes sense. I've been playing around with them recently just looking for safe short-term income vehicles (2-3 years) while I save for a house. What you make off of premiums does seem rather pathetic. Market volatility recently scares me and I need money in hand when I'm ready to buy. Maybe I'll just throw my money into SCHD and JEPI. I know long-term divvies won't beat growth, but better safe than sorry.

E2fire

If you want to get outside of the 29 day expected move you gotta go up to the 78 strike and you only get \~0.4 (mid point of bid/ask). I sold a put to start building my core SCHD position at 69 and then I started selling calls on it around December... needless to say I don't have those 100 shares anymore. I turned a core position into a wheel.

Dsanch3z

Im 24 and currently have 50% in SCHG 30% in VOO and 20% in SCHD figured since I’m young to go the growth route

sabeche

I have a time horizon of 30+ years and my roth ira is 50% FXAIX and 17.5% SCHD. The last 32.5% is split between vanguard foreign market and small/mid/large cap growth & value ETFs. My taxable brokerage account has some more aggressive positions with holdings in individual companies and sectors I think could outperform the market over the next 5-10 years. I don't day trade or buy anything I don't plan on selling for at least a year.

MikesMoneyMic

Sell all the junk in your account. Holding on to losses creates more losses. Buy VOO SCHD QQQM

DodgeBeluga

Yeah I recently converted my 401k from a previous job to IRA, bought VOO, SCHG, and SCHD. Immediate bloodbath.

Pushinir0n

Lol I bought some ETFs like VOO AND VXUS for my taxable and VTI SCHD QQQM for my Roth . That was like 2-3 weeks ago. And everyday all I’m seeing is RED lolol.. I mean I’m in it for the long term but fuccckkk I’d like to see a Green Day one day 🤣🤣🤣🤣

scientropic

Each has its place. SCHD gives you a lower current yield, but the dividends stream grows over time. JEPI shows little or no dividend growth, but the current yield is much higher. There’s no harm in owning both … you could emphasize SCHD if you’re more interested in keeping your dividends well ahead of inflation long term, or JEPI if current income is a higher priority. They’re both fine funds … it’s just a matter of which or what combination best matches your priorities.

RevolutionLazy6131

I also own JEPI and SCHD. I just checked what Mezzi suggests. Have you looked at SPYD? 0.07% expense ratio vs. 0.35% for JEPI. 4.72% dividend yield, so it's more than SCHD which as 0.06% expense ratio. Sounds like a good alternative to SCHD, though returns haven't been as good. If income is more important, then it could be a good alternative.

JeffB1517

SCHD is designed to deliver an inflation adjusted income. JEPI is a junk bond alternative, high yield but you could experience capital degredation over time. Given you are looking to maintain an income for at most 7 years I think JEPI will sustain a very high draw better. I am however assuming this money is held tax advantaged. If not SCHD is vastly more tax effecient.

Fancy-Fish-3050

Thinly traded options like SCHD typically have wide bid/ask spreads so that means that there would be much higher trading costs than something like SPY. I haven't looked at the options chains for SCHD, but this is something you should think about if you want to try to make money appropriate to the level of risk you are taking.

Cruian

>VTI FXAIX makes up over 80% of the weight of VTI. >SCHD Roughly 46% of SCHD's holdings (by count, not weight) are in FXAIX. >VOO Is the same thing as FXAIX. >Im unsure of the strategy I should be taking when deciding between ETFs, and Indexs. * Index based or actively managed describes how the contents of a fund are chosen. * ETF or mutual fund describes how the fund trades. When creating a fund, you pair 1 "contents chosen" with 1 "how it trades" for 4 main types of funds. Examples in parenthesis: ||**ETF**|**Mutual Fund**| |:-|:-|:-| |**Actively Managed**|Actively Managed ETF (ARKK)|Actively Managed Mutual Fund (FBGRX)| |**Index Based**|Index ETF (SCHF)|Index Mutual Fund (FSKAX)| Stick to the "index" row. The "how it trades" isn't a big deal in comparison. >What should I be pairing with FXAIX? FTIHX or similar. Cover the rest of the world, there's been plenty of times it was the US dragging behind. FSMAX or similar. Cover the rest of the US market, while the past decade has favored large caps, smaller companies have had periods of excellent performance as well.

Pharmacologist72

Bro, find a better stock. There are literally thousands that do this including Warren Buffet. Find good stocks that pay dividend, trade some upside for assurance and live a happy life. If you don’t want to trade stocks, then find a good fund to trade. Something like SCHD. There is a downside to everything. Just don’t get too greedy.

Trademinatrix

I been lurking around this sub for about a year. I seen how most of these people operate and the tribalization of opinions that they foster. They tend to have this superiority complex and it's funny to watch it manifest in topics like this. Same thing with the r/dividends sub. You cannot mention investing in anything outside of SCHD or O for the most part without getting neckbeards screaming at you in the comments about how risky you are being lol. If you dare counter their poorly argued points, they resort to the same bs these clowns in this sub are saying about "yOu cAnT bEaT tHe mArKeTs cUz lOoK aT aLl tHe fAiLeD fUnD mAnAgErS" lmao. I been beating the market for a very long time. It's not easy but it can be done. It's all about proper risk management, opportunity assessment, leveraging positions and having proper DD methodologies.

Trademinatrix

100% agree. On the dividends sub, if you are pushing SCHD, you will be deemed wrong and as someone who doesn’t know what he’s doing lol.

MotivatedSolid

Unless you're a sophisticated Investor, 35 securities is a lot. I'd do a mix of VOO and SCHD for a simple ETF mix. And keep some of the stocks you're most confident in. 43m is still a good age to have some individual stocks in the mix still. Once you hit your 50s will want to dial it back and focus more on dividend/value funds.

m98789

That’s already too much. SCHG for growth + SCHD for value/dividend is all you need. At your current age, I recommend still being more growth focused, e.g., an 80/20 allocation split on those. At age 55, rebalance to 50/50. At 65, rebalance to 90/10.

Adventurous_Sky_7936

Take an opportunity to learn when you are only down $10 bucks. Took me 10s of thousands before I really got serious. VOO is a long term play. Nobody is waking up the next day and retiring because their low cost index fund went to the moon. Millionaires are made over decades not over weeks. The general trend is up and to the right. Over a 20 year period S&P has been profitable 100% of the time. That said picking and choosing which 20 years the rate of return could be 5% could be 25%. NVDA has been going up fairly parabolic since the beginning of 2023. A single stock has more risk. Is it overvalued; truth is nobody knows but between those taking profits, those unsure, and those panic selling because it’s anything but nothing but gains; buying at the top or on hype comes with inherent risks. I’m heavily invested in NVDA through multiple index funds that said if you are DCAing into your position and have a 20+ year time horizon. Then cut out NVDA and build a foundation in VOO. If you are going to buy a single stock look into Warren Buffets strategy. Spoiler: it ain’t easy. What’s more he suggests the average investor invests in a low cost S&P index fund. If you want exposure to AI then look into semi conductor index funds SMT, SOXX, SOXQ…I own SOXQ which is about 12% NVDA, QQQM is about 7%, VOO is over 5%. Finally I’d suggest a 3 fund portfolio. Representing a foundation, defensive, and growth sectors. Foundation-VOO or VTI Defensive-SCHD or VYM Growth-QQQM or SCHG Bottom line don’t do what I did. If you want to maximize profits sacrifice your time to do your research. If you don’t then you’ll sacrifice your money to learn those lessons. Good luck!

doggz109

MLPs, BRK.B, and SCHD

LDeezzy15

If you want to invest in stocks that have less volatility look into dividend ETFs like SCHD. The price of the ETF doesn’t move very much but you’ll collect more in dividends over time. Lower risk lower reward.

Adventurous_Sky_7936

VT, VTI, or VOO 1/3 SCHD, VYM, or SPYD 1/3 QQQM, SCHG, or VUG 1/3 Do your research. Understand what the funds hold and their weight. Expense ratios, dividends, historic returns, sectors, liquidity, overlap…

blazintacos

Absolutely is. Which 3 funds? I like VOO VTI QQQ SCHD. Some overlap there though so maybe two of them. I like QQQ and SCHD, they balance each other out, value and growth.

Realistic_Part_7725

BRKB SCHD and VOO. That’s all one really needs.

Realistic_Part_7725

I’d dollar cost average a set amount into ETFs/funds such as VOO SCHD BRKB DGRO SCHV. I specifically own 100% BRKB in my brokerage account (no taxation) and a mix of the others in my Roth.

Special-Economy3030

VOO & SCHD, I make boring investments after losing 30% of my portfolio to a First Republic Bank play last March.

RetiredByFourty

Want to retire early? Put those funds into SCHD and set it to automatically reinvest the dividends.

Flexorrium

Gotta put 5% into SCHD for the DOW Jones. Can't lose money in the S&P500 if you're only invested in NASDAQ & DOW!!!

Tavernman1

Without knowing her age or timeline, I would suggest 70-30 or 60-40 split of T Bill ladder and mix of ETFs SCHD,DIVO,JEPI,JEPQ,VOO/VIG

Cash_Option

SCHD QQQM buy every payday and chill

livemusicisbest

The Schwab money market fund pays a bit over 5%. Very safe. Her online broker probably has something similar. Park it there and interview a non-commissioned financial advisor who is a fiduciary— not a commission driven stock broker. No more “story stocks,” or other risky bets. SPY and VOO are great when you are younger and have a longer time horizon but safe income is best for grannies. I say this at age 68. Most of our money is in a Schwab money market account; the rest is in high-dividend stocks (or high “distribution” for MLPs) that I have researched and feel are very safe. I also have SCHD for some growth + income. Better safe than sorry.

CelestialHorizon

A general rule is as you age, and especially if you’re retired and have no direct income anymore, you’ll want a more dividend-based portfolio. That way, you can effectively take in dividends as a sort of paycheck, and hopefully, the balance remains constant, if not grows some in the account. IMO, if you’re not willing or able to do your proper due diligence on individual stocks (no, watching tv doesn’t count), you should leave your money to a low cost index fund. There’s a reason funds like VOO, VTI, and SCHD are so popular. It’s easy and generally captures most of the gains in the market.

giraffe86-a

I also think SCHD could be good for someone in their later years. Holds large companies and pays a nice dividend.

MadSnikt

SCHD

LonesomeBulldog

VGT and SCHD has minimal overlap and a 50/50 mix has historically has outperformed the S&P 500 while having lower drops in downturns.

Dougnifico

SCHG + SCHD is basically the S&P 500 with all the fat trimmed. Its a great combo.

aluna_tic

I’ve beat VOO for years with half VGT/SCHD 🤷🏽‍♂️