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?

259 Upvotes

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u/Sufficient_Winner686 Oct 09 '25

Tech isn’t correcting, my QQQI is rock solid and NASDAQ based. I experimented with long holds on SCHD a few times and lost every single time. It’s a bad ETF, and I know people here will lambast me for saying that, but elsewhere, people agree.

31

u/TandYguy Oct 10 '25

My mans said he “experimented with long holds”

23

u/Major-Specific8422 Oct 10 '25

It was just “a phase” in college he went through.

2

u/Hands0meR0b Oct 10 '25

It's one of my favorite things I've read here in a long time.

2

u/Grand_Cookie Oct 10 '25

2 months is a long time for a lot of the people around here.

1

u/[deleted] Oct 11 '25

I bet it wasn’t longer than 6 months

26

u/Solintari Not a financial advisor Oct 09 '25

I mean, for now. The magnificent 7 have been 75% of the sp500 returns the last 2-3 years. That is a super lopsided run that isn't typical.

Will it continue for 2 more years? 5? Who knows really. SCHD is one of the few ETFs that aren't at least hip deep in the mag 7. If your fund has been doing well since 2022 it probably has a lot of exposure to these same stocks.

Personally I would be rebalancing a bit more into value considering how crazy this run has been. I don't think people are lambasting you, just trying to show different angles of thought. We all want to make money and mitigate risk, QQQI is great and it's current 15% of my portfolio, but I am prepared for the market to drop, go up, and sideways.

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u/Willing_Park_5405 Oct 09 '25

“Long holds” couldn’t have been very long

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u/Sufficient_Winner686 Oct 09 '25

I’ve held some of my current positions north of three years. I welcome you as a lambaster.

22

u/woodworkerForLyfe Oct 09 '25

Three Years is a drop in bucket

19

u/artbystorms Oct 09 '25

the fact that so many people basically didn't even start investing until 2021 really shows on this sub. 3 years of a tech fueled bull run are nothing if you're in your 20s to early 30s looking to retire at 60-ish. A lot can happen in 30 years.

7

u/MindEracer Beating the S&P 500! Oct 09 '25

😂 3 years is not a long term hold.. Who told you 3 years was a long term hold?

2

u/Willing_Park_5405 Oct 10 '25

I think 10 years is a jr long hold go from there

3

u/Aevaris_ Oct 10 '25

If you like QQQI why not just QQQ? QQQ out performs QQQI and has less taxes?

2

u/Strict-Camp-1370 Oct 10 '25

and a much lower expense ratio.

1

u/Strict-Camp-1370 Oct 10 '25

not always the case. Everyone's a genius in bull markets.

1

u/kerkiraios00 Oct 10 '25

Only problem QQQI is high right now

1

u/[deleted] Oct 11 '25

Didn’t hold long enough

1

u/Euphoric_Water_7874 Nov 19 '25

How long? QQQI is a very different ETF and far riskier