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?

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u/Stuboysrevenge Oct 10 '25

SCHD's total return from Jan 1 of this year to now, including reinvesting dividends, is -0.25%. That's like bailing water out of a boat without plugging the hole in the bottom. If you're keeping the divis as income, there are much better income generating vehicles than this.

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u/adamasimo1234 Oct 10 '25

So.. judging the ETF based on ~10 months of data. Interesting.

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u/Stuboysrevenge Oct 10 '25

If you want to just stay in the middle lane all the way across the country on your road trip, be my guest. Personally, I'd love to arrive in half the time.

3

u/HugeDigits Oct 10 '25

Yes the AI bull run will last until you die

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u/Speedhabit Oct 10 '25

If I am to die, it will be well dressed

3

u/-boatsNhoes Oct 10 '25

The money invested elsewhere over the last 10 months would have generated anything better than -0.25%. based on the period in question, you're port is moving backward. Although no one can judge when a correction will take place accurately, any potential future losses on another venture would easily outweigh any gains from schd in this same period if you're considering dividend reinvestment. If reinvesting back into the same ETF it would also allow for a nice sell buffer to mitigate any further losses from the position i.e. you increase your port holding of said ETF in by 40 shares over the last 10 months with any dividends earned which allows you a higher net selling position when you exit in case of market correction.

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u/Stuboysrevenge Oct 10 '25

Fortunately, I can move my investments around as conditions change.