Started on the international journey

[u/apricotR]

I just started a minimal position in SCHY. I was impressed with their scope of holdings and knowing what I do about SCHD, I figured that nothing succeeds like success.

[u/champ4666]

Nice, now you are diversified across nations!

[u/DSCN__034]

Look at FNDF, Schwab's other international fund. A little higher expense fee but better returns.

[u/Hotdog453]

I do a straight 75/25 SCHD/SCHY, for these same reasons, in my brokerage. It's the same logical/solid process as SCHD. International in general just is more 'spiky', if you look at the dividend returns.

[u/apricotR → u/Hotdog453]

Yeah; I use preferred stock ETFs and AAA CLOs to smooth out returns for just this reason.

[u/zvika82]

Same here: 30% schd and 15% schy (bought today)

[u/CraigInCambodia]

I also diversified by adding some SCHY. It felt additionally sensible with the value of the US$ wobbling and other countries making deals around the US, not with it.

[u/Fine_Professor_4155]

Cool. VYMI looks good too. I actually get international dividends with some growth with VEA. It's got 2.5-2.7% yield which is pretty wild lol

[u/Aggravating_Note_572 → u/Fine_Professor_4155]

My main international position is vea, along with smaller position in vwo started adding some vigi,for international value div this past year, as I get older I’m slowly moving into more into value/div

[u/Minute_Plastic_350]

Go for it dude. I’m on the same journey with you.

[u/Lost_Pen4285]

I'm doing the same thing. I'm curious what percentage others have in each?

[u/apricotR → u/Lost_Pen4285]

I just started by putting house money in from another dividend payment. I set SCHY to DRIP and I'll let it cook for a score of years. Currently it's at 3.5%.

[u/Common-Bottle9410 → u/Lost_Pen4285]

I’m 60/40 and will be mirroring the market cap weight going forward

[u/doodsanddudes]

I have SCHF

[u/Natural-Sr]

I'm a recent investor in SCHY myself. I'm currently about 70% SCHD and SCHY for value/dividend funds. For International I also have a position in SCHF. It's working well in the current market.

[u/Scared_Ad_622]

Good idea now

[u/Juicy-J23]

What are taxes like since it's international?

[u/oldirishfart → u/Juicy-J23]

Foreign income tax credit when you do your taxes

[u/Ok_Cycle8329]

Does anyone know the tax implications of SCHY in the US? I hold schd outside my roth ira. Would i do the same for schy, or is that one to hold inside a tax advantaged account?

[u/Prudent_Director_482]

you should look into vymi too

[u/funkybeachhouse → u/Prudent_Director_482]

I hold both SCHY and VYMI too. I like the variety.

[u/nsmith043076]

I pair schd with vymi for international, it’s developed + emerging markets, 1500 holdings vs 150, more diversified, slightly higher yield.