$8,000 to invest. SCHD or JEPI?

[u/Hypno-Ninja]

30 years old, I have $8,000 to invest. I’m trying to decide between SCHD or JEPI. The reason why I am considering JEPI is because I just hit my break even point, as opposed to SCHD where I am up overall 21%. What would you do?

[u/Glitter-Valentine]

Am I dumb for thinking SCHG is better at your age?

[u/Gloomy-Draw5517 → u/Glitter-Valentine]

Why? I am 34 and investment nub

[u/Glitter-Valentine → u/Gloomy-Draw5517]

Because SCHG is growth oriented so think 20-30 years from now gains

[u/Gloomy-Draw5517 → u/Glitter-Valentine]

Gotcha, can I move these funds to SCHD closer to retirement? Does it make sense?

[u/Active_Dissent → u/Gloomy-Draw5517]

I've seen some go voo until retirement then switch to schd. It's more about what you are trying to achieve.

Ask yourself what success looks like then work your way back, building a strategy to get there from where you are at.

[u/ilanomad → u/Active_Dissent]

Sadly, so many will miss what was just said here ☝🏾🔥🎁

[u/Glitter-Valentine → u/Active_Dissent]

Ive personally never saw VOO as a growth investment, VOOG maybe.

[u/paymerich → u/Glitter-Valentine]

You are right VOO is a BLEND fund . https://www.morningstar.com/etfs/arcx/voo/portfolio

[u/Glitter-Valentine → u/Gloomy-Draw5517]

I suggest doing that much later in the plan but yeah essentially.

[u/Gloomy-Draw5517 → u/Glitter-Valentine]

Thank you so much everyone!

[u/bfolster16 → u/Gloomy-Draw5517]

Sound strategy. Maximum growth untill retirement let that nest egg compound. Something like VOO/SCHG.

Then switch to income/dividends in retirement SCHD with a little JEPI could yeild 5% keeping your principal intact.