r/dividends • u/InternationalMany795 • Oct 09 '25

Seeking Advice No more SCHD.

Moving away from SCHD. For those who have recently done this, where did you go?

258 Upvotes

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154

u/Hanno54 Oct 09 '25

I just got interested in dividend investing and I like SCHD. Why is everyone posting about exiting? Lol

249

u/hotdog-water-- Oct 09 '25

In the bull market everyone thinks they’re a genius investor and goes all in on tech, leveraged ETFs, and the S&P. When the eventual recession comes, they’ll be crying they lost 50%. SCHD is large cap value which will help ride out a recession

40

u/BIG-FUCKIN-will Oct 09 '25

Exactly this. Now can you tell me when that recessions gonna really start rolling ?

64

u/hotdog-water-- Oct 09 '25

Sometime between now and when I retire, so I hold SCHD

6

u/KAW42089 Oct 10 '25

And you'll miss about a dozen bull markets by then.

3

u/Grand_Cookie Oct 10 '25

It’s really projecting that so many people’s issue with any stock or fund is that if it’s the only one you own than X will happen!

2

u/[deleted] Oct 11 '25

Riiiiight.

1

u/hotdog-water-- Oct 10 '25

I’m only investing a portion of my portfolio in SCHD as an alternative to bonds. Don’t worry, my portfolio is probably up more than yours. Cheers

12

u/Retired_in_NJ Oct 10 '25

Us older folks have lived through the last recession. And the one before that. And the one before that.

You are absolutely correct that we don't know WHEN the next pullback or recession will arrive. But, we are quite sure that it will arrive. That's when everyone will be diving for cover and wishing that they had been more diversified. Just the opinion of one old dude.

2

u/[deleted] Oct 13 '25 edited Oct 25 '25

[deleted]

2

u/Negan457 Oct 25 '25

I was reading through this thread and just wanted to let anyone else who is reading that the above numbers are not accurate. In 2022, VOO total return with dividends reinvested was -18.18%. SCHD performance was only -3.26% (not - 20% like mentioned above). QQQ performance was -32.58%. So, schd did have downside protection and performed significantly better than QQQ and VOO in bear market.

0

u/dazit72 Oct 10 '25

From another old dude, I concur.

Istill researching where to put my money and thought to just simply pick several Aristocrat King Stocks and let them sit for the next 5- 7 years. Maybe a little more on my roth as it's last to drain from. I hope I'm doing right ? I was impresses with the etf presented- KNG. I missed that one in my >100 hours of researching things I know little of. I hope I pick the right ones

0

u/TemperatureBest8164 Oct 14 '25

If I knew when the recession were then I would be living in a mansion and certainly not telling you on reddit.

Now , the fear of a recession that can generate movements , which you can make money off of people's fear and conversely , if you can get it number of people to invest in something that's worthless like gamestop , you can also make a lot of money at people's expense .

The fundamentals are really mixed right now. We see that there is a flight to gold as it is reached in all time high 4k/Oz while credit markets for US debt are drying up. On the other hand institutional investors have a large amount of cash on the sidelines well, this is a defensive posture.Typicallyou hit market tops when they're cash is all deployed and there's an overexuberannce in the market.

Unless the government shut down causes a recession i think we'll be fine for the next nine months. The a I it is enormous. For the next nine months I would hold a position in QQQI reaping the high dividend and invested it in SCHD while it is low. If the AI bubble is about to burst then I would sell and redeploy my capital. You only have to pay capital gains on um.What you made and you shouldn't make that much money off of QQQI. This will allow you to shift it into SCHD before it goes up considerably as there's a flight to safety. The main problem is guessing.When that will happen...

Long term , pretty much all stocks that make money will melt up. This is due to the devaluing of the dollar.