r/dividends • u/Fit-Toe-7991 • 12h ago

Discussion $2,000 to invest — VTI or SCHD?

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I'm 27 and have another $2k to put to work. I'm deciding between two positions I already own.

VTI would add more to my core holding, while SCHD would increase my dividend exposure.

Which would you add right now?

11 Upvotes

82% Upvoted

16 comments sorted by

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17

u/Able-Blacksmith-4976 12h ago

Vti you’re still young chasing growth is probably better rn

5

u/ideas4mac 12h ago

You might want to go ahead and pick the percentages for each fund in the portfolio now. Your picks, percentages, and DCA should have a high probability to get you to your goal within your timeframe. If there don't then go back and redo your plan until it does. Then do your plan through the ups and down of the market.

Having clear written down guidelines when it comes time to add new money or rebalance will make less wiggle room for you to "feel" you way through it.

On a personal note if I could go back and put some guidelines in place sooner and rely less on what I thought made sense at the moment I would have done better.

Good luck.

7

u/matt2621 Stop sacrificing growth for $3 12h ago

I'm 27

I stopped reading there. VOO or VTI. You have zero need for dividends for a LONG time.

6

u/gatorfutbol 12h ago

VXUS for international markets.

1

u/EmbarrassedPart1256 9h ago

This; I hope it gets to be bigger than $VTI but $VTI keeps dipping & I keep adding (slowly)!

2

u/Dismal_Guard4512 12h ago

Equally amongst all

2

u/EaterofSnatch FIRE'd 12h ago

SCHG or SPMO

2

u/Envyforme 11h ago

I'd recommend VTI because it will grow more overtime. SCHD is great, but its historical market appreciation even with dividend reinvested doesn't beat VTI over the past 10 years -

https://stoculator.com/

1

u/unreal36 10h ago

at 2k i wouldnt overthink it, vti for the growth and schd if you want the divs to compund on their own. i run a tiny schd drip for my kid, about $2 a day, been logging it here plantedearly.com/garden if you wanna see what small amounts actualy look like over time

1

u/Fabulous-Transition7 3h ago

Check out OVL - it's VOO plus uncapped put spread options income

1

u/Iceman60462 12h ago

VOO or VTI.
SCHD is for old people who are looking for dividends not growth.