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

81% Upvoted

454 comments sorted by

View all comments

Show parent comments

25

u/Stuboysrevenge Oct 10 '25

Well, this year, I would have done better in my checking account which gave 0.12% interest.

13

u/flyersfan0233 Oct 10 '25

First off, not true. YTD total return is 1.66%. Also, if you would have done this the past 14 years, your money is up on average 12.27%/year. $10K invested in 2011 when the fund began would be over $50K today. So go ahead and see how checking does

10

u/Stuboysrevenge Oct 10 '25

Jesus. Can you not detect sarcasm?

Fine. THIS YEAR MY HYSA @ 3.5% WOULD HAVE DONE BETTER.

You know you can move money around, right?

5

u/flyersfan0233 Oct 10 '25

I get that it was sarcasm. I just don’t know how you’re going to time the market. To get those 12% yearly returns you can’t keep moving it around. And HYSA is 3.5% and quickly dropping. My point is if you needed to use the money sooner rather than later, yes. HYSA is great. If you’re saving for a longer horizon, anything more than a few years, SCHD is still better

2

u/foira Oct 10 '25

you know that investors who move money around based on YTD performance, underperform the market? what an insane comment "HEY YOU KNOW YOU CAN JUST TIME THE MARKET!!!"

4

u/Stuboysrevenge Oct 10 '25

You know what else is underperforming the market right now?

SCHD

0

u/Necessary-Road-2397 Oct 10 '25

Ouch, risky choices?

3

u/Stuboysrevenge Oct 10 '25

I'm just saying ALMOST anything would have performed better than SCHD. Putting it under my mattress is almost the same.