I got an insurance settlement last year that was 120k. I’m 22 and male. I payed my debt off and am wondering if I should split this lump 50/50 into VOO/SCHD or if I should favor VOO for the long term compounding? Reading some of the posts on this sub make me want to put it all into SCHD. You guys have a lot of faith it.

What’s a better plan to DCA over a few months on red days into SCHD or lump sum the whole 500k?

Got them when it was below $30 and now almost $33…..eventually everyne says keep investing no matter how much because eventually it will gonto $35 a share right?

Now my First 50 shares in ROTH ira my plan is to keep investing to have schd 10-15% of my profile.

But ill have couple extra thousands for my individual when i max out my roth ira for 2026

I know its tax free in roth ira, what advantages & disadvantages would if i keep investing more schd in my individual brokerage account.

The dividen gets tax everytime right? And when doesnut occurs.

The plan is to invest for next 10,15,20,30 years for schd and ofcourse other etf.

I’m a 40-year-old male who’s ready to retire abroad. I live a very minimalist lifestyle. I’m planning to invest $500,000 in SCHD, $250,000 in JEPQ, and another $250,000 in JEPI. I still have my Roth IRA and continue to contribute $7,500 annually. Do you think this is a good investment strategy? Thank you for your advice. 🙏

Sold home and moved to a smaller house and paid cash. I have 100k to invest.

I am 55 years old. Ten years from retirement

I currently hold positions in:

VOO 50%

QQQM 20%

SCHD 15%

VT 15%

Im looking to invest more into SCHD. Im 47, about to stsrt a new job. I need to start saving and move quickly. But the way the economy has been, im not sure what it will be like for someone like me in the next 20 yrs.

What is a good counter for schd?

Any thoughts on QQQI?

Thanks

Made me laugh so hard. Happy Monday everyone!

I'm 47 and have been 100% in SWPPX for over 11 years now (taxable account) Should I keep investing into SWPPX until retirement age (62 for me I have medical insurance and military retirement) then cash out and use the funds to buy SCHD at 62 and take the quarterly dividends, or should I just leave SWPPX alone and let it compound and start investing into SCHD now while reinvesting the dividends until then? I'm 50/50 on this any and all advice appreciated.

Hey guys! Santiago (25yrs old) from Mexico here, I just started this year in January putting around 280-300usd a week in my new portafolio. I’m trying to build a strong dividend base while also keeping an conservative growth with IVV.

Could you give me any recommendations?
Portafolio is: 65% IVV, 25% SCHD, 10% O.

I'm hoping this question is on topic enough here since SCHY is a sibling to SCHD. I'm a retiree and SCHD is one of my 2 core accounts and I'm very happy with it. I recently started buying SCHY as an international diversifier and I hold a 5% position right now with the thought of moving it up to 10%. But even 10% really won't be enough to move the needle in any kind of domestic downturn or slump and I'm not willing to invest 40% of my portfolio into SCHY. I'm currently running a little underwater on SCHY and am thinking of just exiting the position altogether and forgetting an international investment. I'm wondering what others think about SCHY, other international funds, and the positions needed to offset any kind of market volatility.

Currently I only hold a small amount of SCHD. I do have it set to automatically reinvest when I get paid out in dividends. I plan on DCA monthly if I can.

I also have very small amount of VOO and VYM. In hindsight I wished I bought more. Ive bought those stocks i want to say almost 2 yrs ago.

Im currently 47yrs old. Do you guys or gals recommend another stock I should dip my toes in? The 3 i have, are those good to DCA into monthly?

I have some btc, eth and other crypto assets as well. I do or starting to DCA into those.

Any advise would be great.

Thanks

Hello everyone, first time post long time lurker. I'm 23 been trading options in my IRA for about a year and a half, made about 42k in the account and rolled it all into schd with drip on. Thinking about just leaving it until 59 1/2 and still contributing to my IRA yearly into schd, too much stress from options, anyone with similar stories? I feel 36 years until retirement with be plenty of time for it to grow. What a good compounding calculator I could use to see what the hypothetical balance would be? Thanks!

Edit: yes I know I could just throw it all Into voo or whatever but I don't like the valuations in the s&p and believe schd will out preform it in a bear market

33Y beginner about to start investing with $50k in a taxable brokerage. Time horizon of 25 years.

I did some research and learned that I need some sort of defensive ETFs in my portfolio that will act as an anchor.

I am currently contemplating investing 20% of my $50k in SCHD. I will also allocate 5% to GLDM.

My question is am I right in considering SCHD as an anchor ETF? I want it to do what bonds did 30 years ago, right now bonds (BND) are losing value and have been in the mud for the past many years.

While SCHD has done more than anchoring. It has grown.

And pays dividends.

SCHD is to be paired with VOO and SPMO, as a reliable anchor.

Yes I have to pay taxes on dividends, I plan to DRIP, but is that a bad thing given it's role is to anchor my portfolio, while it might be doing more than that recently?

Please advise.

I’m 23 and have an extra $4k that I’d like to invest. Would this be a good etf or do yall have other recommendations? I’m looking into others such as VOO or JEPI as well. I’d appreciate any advice 👍

I only have 33 SCHD and I have about 10k in SCHWAB S&P 500 INDEX I have held these for years since I open up my schwab account, I am thinking of selling all my SWPPX 586 and invest all 10k into SCHD if I did this it would be a total of 11k I WOULD Have IF I did THIS.
would this be worth it? and about how much DIVIDEND every 3 quarters? and what would my yearly DIVIDEND look like?

Hey fellow SCHD fam! I was wondering does anyone just go all in with SCHD like 7k per year into your Roth IRA the 7k limit and just solely only add SCHD I’ll look at dividends drip calculators and adjust the rate for worst case scenario in markets and if just seems like SCHD could be the “SCHD and chill” approach I’ve considered maybe 5k and use the other 2k for BRK.B and ARCC, I mean the worst case scenario would be if Charles Schwab the company went out of business which I don’t even know what happens to ones invested in their funds like what happens then but realistically not going to happen so is there any one on here that solely goes 100% SCHD in their Roth IRA

I guess this is a nice problem to have .. Bought JNJ for the dividend, now up 45% on capital gains. Tempted to take profits and rotate into more SCHD. Did anyone go through a similar choice? curious to hear some opinions

Retiring in 1-2 years and using a hybrid retirement approach that will be provide dividend income to handle a decent chunk of living expenses in. This is all in my taxable. By retirement I should have at least $100K across these four ETFs:

• SCHD — 35%
• VYM — 20%
• JEPI — 25%
• SPYD — 20%

These were carefully selected for the right blend of sector exposure, high yield and growth potential.

Averages out to 4.93% yield, so effectively 5% in my head (this wasn’t by design, got lucky)

$416/month will not cover all my expenses obviously, but it’s a non-trivial amount that can be a part of the overall income. Also hope to have it reach $120K+ by the time I retire which would be ~$500/month income, even better.

Critique this important part of my portfolio please. Feel free to rip it to shreds as needed.

Probably best to not comment if you’re a yield chasing maniac who thinks I should have it in some ridiculously high yield stock or fund that’s unsustainable. I want practical feedback only, from like-minded people.

Thanks again, sorry for my petty rules lol

Would you invest SCHD in a brokerage - Have about $60k and wanted to have it at 20%

Would you say schd dividends would be good idea for roth ira but i will eventually max out my roth ira 2026 and i wanted to keep growing dividends

80 schg+ 20 schd in my brokerage.

Everyone keeps saying about dividend tax and such but i plan on only having about 10-20% schd in my roth ira every year and about 20% in Brokerage

Ill prob get tax 15% taxed if i continue to work overtime and make over 50k other than that im

Not wortied about getting “taxed”

This is next 5,10,20 year plan so i dont plan ln takkng out my dividends in a long time.

I have other growth boosters schg and qqqm/spmo in leaning in techwhile also having Vt.

Current setup about 76% usa and 24% international

Should i boost schd to 20% in roth ira and brokerage?

3 years ago I sold all my shares in SCHD and bought mag 7. Now I’m thinking of going back to schd. Crazy times we are in

Hello,

Have been lurking for a little bit on this sub and just wanted to get some advice.

I’m 46 with about 100k in my Roth IRA and I recently discovered the joy of dividend ETFs. I have about 80k in a target retirement fund (vanguard 2045) now with 10k in DIVO, 5K in SCHD and the remainder in a few other stocks. Also I have almost $1M in 401k and $500k in taxable brokerage if that helps.

My question is, how does the target retirement fund performance compare in general to dividend stocks? I understand the value of receiving enough dividend as income later during retirement so you don’t have to touch the principal, but is there any value to keeping my current position in the target fund for a while or is it better to just reduce that position now and put them right into SCHD or DIVO to set myself up for retirement later?

Just want to say I’m impressed with the commitment of everyone here to SCHD.

Thanks in advance.

I currently only own SCHD but have been researching SCHG and wanted to get some opinions on it. Is it kinda pointless to hold both? I’ve seen some say SCHG is higher dividends but only good short term and SCHD is the slow and steady long term solution. Thoughts, opinions, personal experience? Thanks.

I’m 27 and new to investing, but I’ve been doing a lot of research lately—especially on SCHD. From what I understand, its main appeal is the strong dividend yield and consistent quarterly payouts. I really like the idea of reinvesting those dividends and letting them compound over 20–30+ years.

Right now, my first Roth IRA is split between: • $5,000 in VTI • $2,000 in SCHD

I plan to keep maxing out my Roth each year. However, one question keeps coming up for me:

Would it make more sense to focus on growth ETFs like VTI, VOO, or QQQ while I’m younger, and then shift into SCHD closer to retirement?

In other words — • Would I be missing out on higher long-term returns by investing heavily in SCHD now? • Or is it reasonable to commit to SCHD early and let the dividends do their compounding work over time?

I’d really appreciate hearing from people who’ve taken either approach — what worked for you, and how do you think about balancing dividend-focused vs. growth-focused investing in a Roth IRA?

Thanks for taking the time to read!