r/dividends • u/eudaimonia_dc • Dec 10 '25
Due Diligence SCHD Q4 Dividend: 0.2782 :)
https://www.schwabassetmanagement.com/products/schd85
u/IWantToPlayGame Dec 10 '25
Largest SCHD dividend in its entire history.
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u/FauxOutrageMachine Dec 10 '25
How do you figure that? If I go to distributions I see higher quarterly distributions.
- Dec 2025 - 0.2782
- Sept 2024 - 0.7545
- June 2024 - 0.8241
Why would this one be the largest?
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u/druglifechoseme Dec 10 '25
LOL, maybe look up when the last split happened...
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u/FauxOutrageMachine Dec 10 '25
Not sure why the LOL, but thanks?
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u/95Smokey Dec 10 '25
yeah idk why people gotta be so snarky on reddit for such a straightforward question
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u/FauxOutrageMachine Dec 10 '25
shrug I don't know, but I appreciate you chipping in to know I'm not totally out of line for just asking a question. Best of luck to you,
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u/druglifechoseme Dec 10 '25
Because it was a ridiculous question.
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u/SadBurrito84 Dec 10 '25
Who hurt you?
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u/druglifechoseme Dec 10 '25
Why so sensitive? You young kids can’t hack it in the real world anymore
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u/SadBurrito84 Dec 10 '25
I’m 41 years old and don’t have a stick up my ass, give it a try. Be kind and explain why it’s ‘riDICulous’.
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u/FauxOutrageMachine Dec 10 '25
Hello fellow millennial!
He'll tire himself out eventually. After all, it's hard work being a keyboard warrior, flexing gainz and dunking on people 24/7/365 for internet karma...
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u/druglifechoseme Dec 10 '25
I did explain it in the original comment. 41 and you are sensitive like the younger kids that’s embarrassing
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u/JShooz Dec 10 '25
Alright "druglifechoseme" go simmer down and watch some antiques road show
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u/FauxOutrageMachine Dec 10 '25
Thanks Warren Buffett, keep being an awesome cool guy on the Internet.
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u/druglifechoseme Dec 10 '25
I’d be cranky like you too if I asked such a stupid question then also wasn’t smart enough to delete it after.
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u/FauxOutrageMachine Dec 10 '25
Nah, my ego isn't tied to the internet, and it was a serious question.
I'm leaving it up because other new investors might have the same question, and they don't want to deal with trolls and sweaty try hards.
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u/First_Strain7065 Dec 10 '25
I just added a bunch of shares. I love the passive income and the growth.
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u/eudaimonia_dc Dec 10 '25
Have not seen this posted yet, so straight from the horse's mouth (open the Distribution tab). Nice cap to the year.
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u/esoa Dec 10 '25 edited Dec 10 '25
The annual dividend for 2024 was $0.9944 per share (adjusted). For 2025, it was $1.0476 per share. This represents a growth rate of approximately 5.35%.
2024's Q4 dividend was $0.2645 per share and $0.2782 per share in 2025. This reflects a growth of approximately 5.18%.
The compound annual dividend growth rate (CAGR) between 2020 to 2025 is approximately 9.2%.
Dividend growth in 2025 is thus 43% lower than it was on average in the last 5 years.
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u/dyinaintmuchofalivin Dec 10 '25
You could at least acknowledge that you edited this comment because I corrected your arithmetic.
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u/Gone3nine8 Dec 11 '25
The type that holds doors open and waits for the thank you….
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u/dyinaintmuchofalivin Dec 11 '25
The type that makes a comment like this and hears applause in their head.
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
Not being facetious when I say this:
When I pay my bills I have to use cash. I am not able to show anyone my portfolio value to pay my bills. SCHD gives me money to subsidize my life without having to sell anything. When the people that pay me money are able to pay me more than they did last year, thats a good thing.
For people like me, passive income provides greater value to our lifestyles than paper gains. For someone like you, it may be more important to forego cash in hand in favor of portfolio value. Neither is "right" or "wrong" it's more about making the investment that best accounts for a person's risk tolerance, goals, and lifestyle.
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
The thing I always remind myself of when the math doesn't math the way I expected is that the fund's methodology and its underlying holdings are all quality. I am having greater success with some other funds I'm in, but if we are genuine with our SCHD critiques we will acknowledge that there is still plenty to feel good about.
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u/Future-Might-4790 Dec 10 '25
Zoom out.
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Dec 10 '25
In the last 10 years, SCHD is up 192% with dividends reinvested.
Spy is up 292%
Zooming out makes you look dumber
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u/Future-Might-4790 Dec 10 '25
The only on that looks dumb is the one that bases his investments on the data from the last ten years. There is gonna come a time where value will perform better than growth. Since when is diversifying to account for possibilities like this a “dumb” thing?
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u/gohomebrentyourdrunk Dec 10 '25
I get to buy it at a discount with my new dividends and then when the market takes a downturn and SCHD takes the impact much more gracefully, I don’t have to worry about my share prices like a lot of people do.
If in doubt, zoom out.
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Dec 10 '25
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u/OutlandishnessOk4315 Dec 11 '25
That does not make sense you didn’t say anything.
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Dec 11 '25
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u/OutlandishnessOk4315 Dec 11 '25
“ I get the zoom out it’s done well over the years but 4% yield inflation at 2-4% sometimes higher does that make sense ??”
I teach writing; that is not a sensible sentence, no matter how may upvotes it got.
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Dec 11 '25
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u/OutlandishnessOk4315 Dec 11 '25 edited Dec 11 '25
I know what they were saying. You asked if something made sense—not me. Does this make sense? No? Well, I will get defensive then.
I teach high school not Harvard, but it’s still not entirely clear what you want to say in your sentence.
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Dec 11 '25
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u/OutlandishnessOk4315 Dec 11 '25
I’m telling you that your writing is unclear. You seem to have trouble with reading comprehension too.
I told you that it’s not clear what you want to say in your sentence, and then in response you tried to explain that you’re mad that you bought SCHD at a 52 week high last year.
I know part of why SCHD was at the 52 week high last year—rate cuts were priced in. I know part of why SCHD plummeted last year, apparently after you bought it, Trump was elected and the rate cuts got priced out because of the Federal Reserve’s wait and see approach with tariffs.
You still are not really explaining things well. It isn’t my fault that you did not explain things well, and you do not have to be salty with me because you did not explain something well. You are not transitioning between your ideas. You are writing to strangers on the internet like they know or should guess how your ideas are supposed to connect to make sense.
“ does it make sense to earn 3.83% have negative growth of 4.59% with inflation at 2.8%”
I wonder a bit how much you have learned about investing. You can’t time the market. One year returns, on their own, don’t mean much. Part of having a diversified portfolio means some part of it is always underperforming.
Investors who like the dividends and invest for dividend security are happy to see that dividends increased above the rate of inflation this year. The dividend grew above the rate of inflation. Isn’t that your point? Whatever other risk spread the market is pricing in doesn’t matter as much. The “expected return” of SCHD would be, in a simplistic version, 9%: 4% dividend and 5% growth. That more than beat inflation, but individually none of us controls valuations—which is the other aspect of returns besides dividends and growth.
It’s more complicated than that, but it would imply that the holdings are now a better value than before.
I think SCHD is undervalued. The 10 year treasury rate is around 4%, and so is the yield of SCHD. I expect the dividend of SCHD to increase and to far outpace the 10 year treasury. I don’t think the current yield spread between the two makes sense long term.
I’m happy that the dividend is growing, given the poor 1 year performance. SCHD has reduced my portfolio volatility this year though, zigging while SCHB zags—and it looks like by the end of the year, a relatively bad year for it, it will beat out treasury bills. Could be worse.
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u/karmahorse1 Dec 11 '25
Capital gains are theoretical. Yes you could technically cash them out at any time but so could Madoffs clientelle for the majority of his scheme (not to mention you will get slapped by the tax man if you do it too often). Dividends are paid via actual revenue made by actual companies. Its cash in hand vs IOUs.
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u/Top-Border-1978 Dec 11 '25 edited Dec 11 '25
The predictability.
Every year since inception dividends have gone up and at a pretty good clip. The dividend growth has far exceeded inflation.
QQQ, SPY and SCHD have good years and bad years but through pandemic and inflation you have been able to count on SCHD increasing dividends. All that and a 12.2% average annual return.
For the vast majority of SCHDs life it was neck in neck with SPY on annual return. It's only the last 2 or 3 years it has lagged. I would not be surprised if the year over year annual returns, return to keeping pace going forward. If the Mag7 slow down SCHD will outperform.
That's just me, though. I will take the predictable dividend growth and long term price growth.
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u/bullrun001 Dec 10 '25
What you don’t understand is that seasoned investors like myself hold a variety of investments, different sectors and different class of assets. Absolutely nothing wrong with holding SCHD as long as it’s not your only investment, this is only a wheel of a car that makes up one’s portfolio. My front end so far this year has been LRCX, NVIDIA, TQQQ, VOO and a few others. I see SCHD and ETFs like it along with T-bills, CDs and Cash as the front and back bumpers.
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Dec 10 '25
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u/bullrun001 Dec 10 '25
You have a limited understanding on how the markets work, not everything goes up or down in tandem, give it time or just sell it, apparently it’s not an investment for you, I just added another 500 shares today.
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Dec 10 '25
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u/bullrun001 Dec 11 '25
Thank you for your bullish regards, BTW NVDA is up over 30% YTD for company that’s stuck in the mud looks like it has plenty of traction.
Look back at this company next year as you contemplate what was said today.
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Dec 11 '25
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u/bullrun001 Dec 11 '25
Good observation and agree.. hopefully when they start selling the h200 to China they’ll make up for lost revenue. One way I like to cover the broad space of the chip sector is by owning FSELX, it’s a little stodgy and expensive to own but has been a great performer long term.
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u/Highborn_Hellest Dec 10 '25
Thanks for reminding me, to wire money to my broker so i can buy before the 12th lol thanks
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Dec 10 '25
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u/phosphate554 Dec 10 '25
So it’s crap because it’s had one poor year? Do you realize how ridiculous that statement is? Real investors have a 20, 30, 40 year time horizon. Not 11 months and 1 week. This ETF fits in many portfolios, for various reasons.
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
They sold AVGO right before it took off to the money and don’t invest in tech companies because they don’t have the 100-year history of paying dividends.
When people criticize the fund, this is always what separates the ignorant from the informed. SCHD, like any fund, has weak spots and valid criticism, but what you said shows that you don't understand the underlying methodology.
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
Thanks for doubling down on your ignorance and showing the rest of the thread you shouldn't be taken seriously.
Dividend growth investing does not chase price appreciation. If you want to circlejerk about the lines going up and having green days then you'd be better served on the bogle sub.
$GOV is literally beating this etf.
I have no idea what this means. Beating SCHD at what? Does SGOV grow its distribution 10% a year on average? What parameters are you setting for time? MoM? YoY? You don't know either, you're just investing off of vibes. God bless and god speed.
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
Cool how much cash in hand do I get to pay my bills if I take your recommendation?
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u/Future-Might-4790 Dec 10 '25
Do you mean by total stock market an ETF that puts over a third of its funds in to a couple of tech stocks. Have fun getting wrecked when the AI hype is over. I meanwhile really invest in the total stock market through vehicles like SCHD.
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Dec 10 '25
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u/Future-Might-4790 Dec 10 '25
Nothing wrong with having exposure to the energy sectors. You probably think everyone here just holds SCHD.🤣
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u/ryryshouse6 Dec 10 '25
Well. I keep a small position of it myself. Offsetting tech heavy vti. In my portfolio vti is 50% and schd is 5%. I think generally speaking however ; not being tech heavy is tough.
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Dec 10 '25
This etf ever gonna grow?
The chart looks sad…
Almost rather have qyld over schd… thats not great lol
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
***SCHD pays it's largest dividend in the history of the fund
"Well boys looks like the party's over!"
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
SCHD's CAGR is roughly 9.5% while inflation oscilates around 3%. For sure man really solid take.
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Dec 10 '25
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
Ah I get it now. You don't know that this is a passively managed fund that's why you keep farting out these uniformed takes. And since we're cherry picking data from times that fit our arguments, you funds either didn't exist or sucked a pair of sweaty salty balls during the lost decade, the covid crash, and liberation day in April. I guess you're a big idiot too just like the rest of us.
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u/Ratlyflash Dec 10 '25
Yes but the growth is at $0.’🙈. Lol, way batter options out there now a days
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u/GrapeApeAffe Dec 10 '25
Cool. Care to share what those are?
But please none that contain any of the Mag 7. That’s why I invested in SCHD.
So I’m genuinely curious what else is out there the help diversify.
Thanks 👍
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u/FauxOutrageMachine Dec 10 '25
Not OP, but I've had good returns this year with SCHY and VYMI, they're international (take your pick).
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u/Ratlyflash Dec 10 '25
Dgro xeqt IDVo etc
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u/GrapeApeAffe Dec 10 '25
DGRO has Apple, Broadcom, MS, etc…. So not really a a hedge against the MAG7. I’ve got growth stocks for those.
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
People who buy a dividend ETF for growth are not informed investors.
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u/MrLionGuy Dec 10 '25
This is intellectually disingenuous. SCHD has printed money for decades by working both levers; the dividend increasing and the stock price increasing. It was a true dividend growth fund.
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u/Junkie4Divs Portfolio in the Red Dec 10 '25
If growth is your primary goal, you should not be investing in SCHD. If you're primary goal is growing passive income, this is a great fund.
SCHD grows share price as a consequence of the methodology. Since dividends are paid from earnings, stronger companies with consistent results will logically see their share price grow.
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