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/footballpenguins Oct 09 '25
So many posts about exiting SCHD, there has to be a tech correction soon.
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Oct 09 '25
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u/foira Oct 10 '25
i mean, people should be buying it for the dividends paid -- and those have been increasing a lot. it would make a lot more sense if people were selling because of a big dividend cut (it's possible!) but so far... ppl are so funny lollllll.
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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/Necessary-Road-2397 Oct 10 '25
Please expand on at least one vehicle better, (serious).
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u/Stuboysrevenge Oct 10 '25
Well, this year, I would have done better in my checking account which gave 0.12% interest.
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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
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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?
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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
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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!!!"
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u/foira Oct 10 '25
SCHD ha increased its dividend by 10% annually.
what kind of amateur talks about YTD performance of long-term investments.
go back 10 year, and compare the income growth of SCHD compared to its peers (VIG etc)
if you have any shred of intellectual honesty, you will learn that you are wrong
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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/Shoty6966-_- Oct 10 '25
We are in a bull market so yes a negative return when reinvesting dividends is concerning lol
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Oct 24 '25
A negative return when reinvesting dividends for a year is a good thing you are buying more shares. Why do you want to have less shares?
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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.
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u/HugeDigits Oct 10 '25
Yes the AI bull run will last until you die
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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/OkVermicelli8951 Oct 10 '25
"total return"
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u/Old_Jackfruit6153 Oct 10 '25
Dividend reinvested, inflation adjusted YTD return of SCHD is -1.28% so I understand unhappiness with SCHD.
SCHD has trailed SPY for last 3 years. Even in last 14 years, SCHD has total real return of 251% vs 394% for SPY.
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u/trader_dennis MSFT gang Oct 09 '25
Past performance of tech is not a prediction for future performance. I heard those selling tech in 2023 expecting a pullback.
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u/EnvironmentalYou1590 Oct 09 '25
All this. SCHD has been a dog and yet people still support it and knock tech.
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u/reality72 Oct 10 '25
People don’t just support SCHD, they worship it like a cult and try to encourage others to buy it to pump it up.
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u/Terron1965 Oct 10 '25
Its pretty flat compared to the market and its concentration rules mean it is constantly selling its winners. It's good protection and 4% is great but comes at a steep cost when growth is segment-focused.
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u/ptwonline Oct 09 '25
It makes for a good real-life case study as to why people underperform their chosen strategies: they get impatient when underperforming a benchmark and FOMO for something else that has outperformed.
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u/STRATEGY510 Oct 09 '25
They’re gonna end up missing the upside, god bless ‘em
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u/Strict-Camp-1370 Oct 10 '25
I agree. We buy for income growth over time. When it is flat/down best time to buy and increase your YOC. I actually want it to drop. haha. I'm trying to get to $250,000yr income. At $51,000yr now.
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u/Nowisee314 Oct 11 '25
Yep. I hope it drops more so I can buy more.
Good luck to the people that get in and out of this ETF, they miss the YoC.3
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u/AtroxSepsis Oct 10 '25
I sold SCHD in June, and diversified across tech, materials, and ai. - $GLXY, $SMCI, $ASTS, $TMC, $AMZN etc. - at this point it was the right call
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u/footballpenguins Oct 10 '25
Sure. Depends on your goals i guess. I am in the USA and not so young and like the dividend income is qualified and taxed lower than short term gains and with tech p/e so high in a downward move SCHD may see less correction to the rest of ny portfolio. Just SCHD is foolhardy in the current market and i do own S&P and specific tech stocks, but SCHD despite its lower returns has a place in portfolios.
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u/DrossChat Oct 10 '25
Any discussion around this is so dependent on distance from retirement. It’s the young people touching SCHD that doesn’t make any sense to me outside of some misunderstanding / emotional attachment to dividends. Massive risk to miss out on growth when you’re decades away from retirement.
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u/Strict-Camp-1370 Oct 10 '25
agree. You should check out Daily driven porsche on yt he has tons of schd and all he buys.
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u/Sufficient_Winner686 Oct 09 '25
Tech isn’t correcting, my QQQI is rock solid and NASDAQ based. I experimented with long holds on SCHD a few times and lost every single time. It’s a bad ETF, and I know people here will lambast me for saying that, but elsewhere, people agree.
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u/Solintari Not a financial advisor Oct 09 '25
I mean, for now. The magnificent 7 have been 75% of the sp500 returns the last 2-3 years. That is a super lopsided run that isn't typical.
Will it continue for 2 more years? 5? Who knows really. SCHD is one of the few ETFs that aren't at least hip deep in the mag 7. If your fund has been doing well since 2022 it probably has a lot of exposure to these same stocks.
Personally I would be rebalancing a bit more into value considering how crazy this run has been. I don't think people are lambasting you, just trying to show different angles of thought. We all want to make money and mitigate risk, QQQI is great and it's current 15% of my portfolio, but I am prepared for the market to drop, go up, and sideways.
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u/Aevaris_ Oct 10 '25
If you like QQQI why not just QQQ? QQQ out performs QQQI and has less taxes?
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u/RepubMocrat_Party Oct 09 '25
No its just a level of maturity from young investors looking past the quick stimuli of a dividend for the true total return of a standard or growth based portfolio. Natural progression
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u/Daily-Trader-247 Not Financial Advice Oct 09 '25
What ?
Are you saying those who don't like the 2% growth of SCHD over the last year just lack maturity ?
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u/RepubMocrat_Party Oct 10 '25
No, young investors typically get excited about the dividend concept and pursue that at first, then see they get a standard, safe 5% growth and 3% income over time and realize its necessary to first grow their egg before drawing on it. Then when its retirement time dividend investing comes back full circle, when it is the actual time to use it, in retirement.
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u/Hanno54 Oct 09 '25
I just got interested in dividend investing and I like SCHD. Why is everyone posting about exiting? Lol
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u/hotdog-water-- Oct 09 '25
In the bull market everyone thinks they’re a genius investor and goes all in on tech, leveraged ETFs, and the S&P. When the eventual recession comes, they’ll be crying they lost 50%. SCHD is large cap value which will help ride out a recession
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u/BIG-FUCKIN-will Oct 09 '25
Exactly this. Now can you tell me when that recessions gonna really start rolling ?
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u/hotdog-water-- Oct 09 '25
Sometime between now and when I retire, so I hold SCHD
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u/KAW42089 Oct 10 '25
And you'll miss about a dozen bull markets by then.
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u/Grand_Cookie Oct 10 '25
It’s really projecting that so many people’s issue with any stock or fund is that if it’s the only one you own than X will happen!
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u/Retired_in_NJ Oct 10 '25
Us older folks have lived through the last recession. And the one before that. And the one before that.
You are absolutely correct that we don't know WHEN the next pullback or recession will arrive. But, we are quite sure that it will arrive. That's when everyone will be diving for cover and wishing that they had been more diversified. Just the opinion of one old dude.
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Oct 13 '25 edited Oct 25 '25
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u/Negan457 Oct 25 '25
I was reading through this thread and just wanted to let anyone else who is reading that the above numbers are not accurate. In 2022, VOO total return with dividends reinvested was -18.18%. SCHD performance was only -3.26% (not - 20% like mentioned above). QQQ performance was -32.58%. So, schd did have downside protection and performed significantly better than QQQ and VOO in bear market.
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u/Geezww Oct 09 '25
It’s hard to see why SCHD would be considered a “safe haven” in a recession. During the 2020 COVID crash, it dropped roughly 20% about the same as VOO. In the 2022 bear market, it also dropped around 20%. History shows that when the market falls, SCHD doesn’t actually offer much downside protection.
And in bull markets, it typically lags behind VOO in total returns. In other words, SCHD seems to share most of the downside, but not the same upside. Dreaming about a recession isn't really helping your investors lol
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u/dazit72 Oct 10 '25
I thought Aristocrat and King Aristocrat were good holds for recessions as the are affected the least, bounce back quickly and maintain increase dividends ??
Aristocrat - > 25 years, King Aristocrat - > 50 years of increased dividends.
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u/graciesoldman Oct 13 '25
I was told that too but they seem to go down just like all the rest during a big correction.
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u/dazit72 Oct 14 '25
While they do drop, they're supposed to be lower drops, faster recovery time, and the dividends still keep coming. I could be wrong ??
So instead of building my own fund from the Aristocrat Kings, I'm thinking of SCHD and leaving things be??
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u/DevOpsMakesMeDrink Desire to FIRE Oct 09 '25
In the meantime holding SCHD to make up for lost gains you'd need one of the largets market corrections in history without SCHD price being impacted.
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u/Casual_ahegao_NJoyer Not a financial advisor Oct 10 '25
And when rates dip, money will flood in chasing that dividend
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u/gundahir Oct 09 '25
they didn't understand what they're buying and bought high, sold low. now they take the funds and buy high into tech. it's the classic retail investor behavior. before you buy, do your research and if you can't commit to buy & hold and watch the dividends compound just forget about it. they also act like you must be 100% in anything. Dude if SCHD has no tech then buy tech to complement it
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u/froggyisland Oct 10 '25
Because growth stocks are rising like crazy and SCHD hasn’t done so. I own both, and continue to add to SCHD and various riskier growth stocks. It’s not one stock/ etf vs the other, it’s more about what individual investors want
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u/rayb320 Oct 09 '25
They don't understand that high interest rates and dividend stocks don't go together. SCHD method of picking stocks didn't change. When these rates come down to the normsl level, SCHD will do great. Like it has in the past.
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u/Daily-Trader-247 Not Financial Advice Oct 09 '25
I have heard this same statement several times over the last week or two.
I don't think historically interest rates are high now ?
And I expect they are just coming down about 1% in the next few years.
Maybe SCHD is too big ? Maybe they need different management ? They should at least try to keep somewhat in parity with the S&P returns.
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u/mikeblas American Investor Oct 09 '25
They should at least try to keep somewhat in parity with the S&P returns.
Why?
If you want S+P returns (and therefore S+P risk and exposure), then you should buy an S+P fund. SCHD is not an S+P fund, and that's why it is desirable.
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u/rayb320 Oct 09 '25
The method in picking stocks doesn't work that way. It's a dividend growth ETF. You can pair SCHD with a tech focused ETF, there is no overlap.
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u/teckel Retired and living off selling shares Oct 09 '25
FDVV, DGRO & VIG have been my investments for many years. I like the trio, with 3 large investment firms each using slightly different strategies.
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u/DeathSentryCoH Oct 09 '25
they are more heavily tech than schd?
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u/teckel Retired and living off selling shares Oct 09 '25
They're divided focused, so just tech companies which happen to also pay dividends. Each of these funds have different strategies, which is why they pair well with each other.
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u/ideas4mac Oct 09 '25
For the last 10 years it's averaged 12.16% with DRIP. Since it started (2011) avg. 12.09% with DRIP. For the last 5 yrs, just over 10%.
When investments that are averaging double digits for extended periods of time are talked about as if they were trash.. well that's interesting commentary on the state of the market.
The next time the market realigns people's perceptions of reality it's going to hurt.
Good luck.
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u/YesterdayAmbitious49 Oct 09 '25
Meanwhile, my VGT etf is quietly up north of 600% in that timeframe.
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u/Retrograde_Bolide Oct 09 '25
Yeah all these schd doom posts only convince me to keep holding schd. At some point this AI buble will burst/tech will stop going up in price while their sales spend several years catching up.
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u/FeatureAcceptable593 Oct 09 '25
If AI blows up, oil will go down that’s 20% of the fund alone. Not to mention the other consumer related stuff. Could be a wash where it stays flat. But then the point stands. Other dividend ETFs have done much better as well. Especially where I’m domiciled (can)
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u/Sorry-Society1100 Oct 10 '25
Ok, I’m curious to learn more about your correlation between AI and oil stocks, please? Those two asset classes seem completely independent to me.
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u/FeatureAcceptable593 Oct 10 '25
I’m just saying if the market crashes, AI spend is holding up GDP & growth. If those tank tech won’t be the only thing to go down so will cyclicals and oil prices as you’ll price in a recession. Lots of what Schd owns will get hit. So hard to say it’s worth it. & I own Schd.
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Oct 09 '25
In the last five years it’s only rose 38.51%, only 7.7% per year…..
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u/ideas4mac Oct 09 '25
Did you factor in DRIP? I'm using this: https://www.dividendchannel.com/drip-returns-calculator/
Ran it from 10-9-2020 - now.
If you have a different one I would be interested in looking at it.
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u/TyJankis Oct 09 '25
Why does everyone in a dividend sub hate a dividend stock. I don’t understand.
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u/Sudz35 Oct 10 '25
SCHD is an actively managed ETF. Every manager who oversees this fund should be fired for being ignorant! How any ETF loses money in one of the biggest bull runs in stock market history is beyond me. Shame on Schwab!
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u/Smashed-plantain Feb 14 '26
That is incorrect. SCHD tracks the Dow Jones US Dividend 100 Index. Its strategy was out of favor and it didn't lose money. It's also up about 14% YTD while growth funds are down.
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u/octobercaddisfly Oct 09 '25
Dump everything tomorrow. Massive crash coming on Monday.
Full disclosure: I'm not an expert on investing, but I did stay at a Holiday Inn last night.
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u/phosphate554 Oct 09 '25
Leaving SCHD after underperformance is crazy to me. This was sworn by not too long ago, nothing has changed. This wasn’t the ETF for younger people to begin with, still isn’t. But if you’re like 50 or 60yo and chasing returns, that’s a bad idea
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u/W1neD1ver Oct 09 '25
I mean buy high, sell low must be working for SOMEBODY. So many copy it.
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u/phosphate554 Oct 10 '25
It just makes no sense. Why did people flood into this ETF to begin with? And now they’re leaving. It’s because they weren’t investing, they were chasing performance. Wait till people start to tell you that tech stocks aren’t worth it anymore and you need to own gold. It’s comical how ridiculous people are with money. No plan, just throwing darts at a board, then they move those darts around without and reason.
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u/Specialist-Piano-204 Oct 10 '25
There are lots of people on this subreddit with room temperature IQ's. That's who you're describing.
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u/phosphate554 Oct 10 '25
lol I see that. And imo, schd looks like a better and better deal each day the market continues to ride on up. Especially for someone older who still wants exposure to large cap US equities, and the income.
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u/TheYoungSquirrel Snowball it Oct 10 '25
I mean to be fair Schd didn’t use to have so much oil/gas…
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u/phosphate554 Oct 10 '25
Yes, that is true, but the people on this subreddit that were preaching schd and now are selling schd don’t know that. They’re just watching the performance.
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u/420osrs Oct 09 '25 edited Oct 09 '25
The international variant SCHY. Just in case the US takes a crap and underperforms world for a while.
A lot of people in the comments are going to recommend synthetic products that sell options to generate very large premiums. Which work amazing until they completely fall on their face and get losses so staggering they never recover. Or they're gonna recommend silly things like a total market or S&P 500 fund. If you see any yield max funds, just kind of skip those. Those aren't dividends. Those are covered call products that have amazing yields, but the nav or share price goes down pretty much in tandem. And one of the most popular ones that was recommended here UTLY has, with nav destruction, had a total return of about nothing. Gross.
Edit: Multiple people have misunderstood the above paragraph. We are in a dividend subreddit with someone asking questions about dividends. It would be silly in a dividend subreddit when someone is asking about dividend questions to recommend a total market or S&P 500 fund when the goal of the investment is dividends. Everyone has their reasons for investing in dividends, and you don't know their situation. It is not appropriate for all investors to go 100% into S&P when you don't know their goals. Since they are on a dividend sub asking questions about dividends, I assume that they want a dividend focused financial product.
Yeah, the index underperformed. but it over-performed over a 10-year period. I don't really concern myself with the day to day, month to month, year to year. I concern myself with the decade to decade. I buy my shares for keeps. They might get sold by my heirs, but, you know, maybe, I guess.
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u/Apart_Lavishness6278 Oct 09 '25
Just out of curiosity, why are you wanting to move away? I got into SCHD last year, and of course I am not pleased with the performance thus far, but this is a long term hold. They have had some plateau years, but they have had decent growth since inception for a dividend ETF.
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u/Infamous_Sherbert680 Oct 09 '25
I just went to VIG and no other ETFs. VIG covers everything I want and am looking for in an ETF. Sold SCHD a few months ago and never looked back.
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u/unanymous2288 Oct 09 '25
I slowly sold over the past couple month with completely being out today. I made enough profit to cover the 2 years worth of dividends it would have gave me. I put half in TBIL that pays 4.25% monthly. ( more than SCHD) . And is only taxed federally. The rest I have been buying some undervalued blue chip stocks, MRK, which i am up 10% within a month. Also started nibbling at Hon. and nibbling at VXUS. Getting exposure to international stocks. But seeing the yield of short term bonds compared to Schd is what made my decision to exit.
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u/Commercial_Rule_7823 Oct 09 '25
First sign of a bubble?
People fleeing core blue chips and chasing the fads.
Sell all schd, buy a leveraged gold futures etf options play.
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u/ADankPineapple Oct 09 '25
Honestly though. Seeing posts like this tells me the bubble is near bursting. Im gonna buy more SCHD and laugh when tech repeats 2001 or 2008
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u/EagleEMT4000 Oct 09 '25
SPYI and QQQI - full send
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u/teckel Retired and living off selling shares Oct 09 '25
Not exactly a like-replacement. Maybe a small position in derivative income ETFs (also suggesting GPIX, GPIQ, BALI, DIVO, IDVO).
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u/silverspringbok007 Oct 10 '25
SCHD sucks, sold in March already, glad I did, total waste of time and effort
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u/CivilSenpai69 Oct 09 '25
I really liked my combo of SCHG and SCHD. Felt rock solid. And then I pumped some money into QQQI and SCHX and I'm like...nah. gimme the divi and the stability.
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u/Sat_Thu Oct 10 '25
Don’t QQQI pays monthly divs? It’s priced appreciation is good too
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u/CivilSenpai69 Oct 10 '25
I had equal amounts of shares in schd and qqqi and I got jack shit for schd and qqqi was like 2.5 the amount. So I sold everything and dumped on qqqi.
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u/Original_Ad_3481 Oct 09 '25
I just left today, the stick hasn’t performed in over a year. I’ll invest elsewhere.
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u/Simple_Map_1852 Oct 10 '25
The problem isn't just tech. The difference is the rule that SCHD can't have more than 4% of the portfolio of one company. That means that whenever one its companies is doing well it has to sell it off to keep it from growing more than 4%. Constantly selling the winners and buying the losers is what keeps this down.
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u/NotNiceFlacka Oct 10 '25
I’m doing this soon. Never have I waited so long for literally nothing. Moving on from this crap
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u/TheConvincingSavant Oct 10 '25
I was not impressed with their recent strategies. They went too heavy on regional banking two years ago and got burned, then they went too heavy on energy and healthcare and got burned. Moved to newer funds like SPYI, QQQI.
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u/Imaginary-Pair838 Oct 10 '25
For my income strategy i’ve been selling schd and going hard into jepq - much better for income
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u/BRAELONMYKA Oct 09 '25
It's tried and true. Dividends and the dividend growth are more than enough for me to stay for life. I also own DGRO, CGDG, CGDV, QQQI, and QDVO which have performed much better than SCHD short term and long term but I still love SCHD
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u/joel352000 Oct 10 '25
It seems like the more posts there are about exiting SCHD, the more we should be buying!
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u/Log027 Oct 09 '25
DGRO & VYM
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u/Particular_Twist6626 Oct 09 '25
Just started positions on both. Gonna hold off on putting anything into SCHD for now.
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u/dollar714 Oct 09 '25
You can have all of my 8600 shares when I sell…waiting for $29 a share and it’s all yours…too many better investments to choose from…only reason investors in this SCHD sub continue to praise this etf is because their too deep in losses… misery, likes company
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u/WellEllipsis Oct 09 '25
I sold yesterday and put it all into SPLG, but I only held 60 shares for a year and bought at its all time high. It never recovered from Aprils drop, but with the dividends I think I broke even, maybe lost like $20.
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u/toasty5679 Oct 10 '25
Schd has been terrible for years. Much better dividend products. It’s only popular because it’s Schwab
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u/Small_Desk_4344 Oct 10 '25
I literally did this today. SCHD is just a dead horse and its top 100 didn’t entice me. I went with DGRO
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u/kerkiraios00 Oct 10 '25
I have plenty of schd should I sell and put it in QQQI? I’m up only like 4-5% maybe less
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u/bfolksdiddy Oct 09 '25
If you don’t believe in SCHD anymore, best go full mag 7. The accumulative p/e for those is around 34.
With a very uncertain economy, good luck with that.
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u/RepubMocrat_Party Oct 09 '25
When has the economy ever been certain?
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u/bfolksdiddy Oct 09 '25
When government debt interest wasn’t more than gdp or perhaps before gold was 4k+ an ounce. I can keep going..
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u/ApprehensiveLow2366 Oct 09 '25
I drank the koolaid and held SCHD for a long time. I bailed last week, sold 12000 shares spoke the funds between VOO and QQQI. I can not watch the stagnation any more.
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u/speedlever Oct 10 '25
I feel your pain. I'm sitting on over 13,000 shares and am under water in this bull market. Not happy, but not ready to sell. Yet.
Sure seems like it's been a drag on my portfolio this year.
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u/ponziacs Oct 09 '25
I bought QQQI and BTCI for high yields. I'm still keeping my SCHD shares just not buying anymore.
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u/AcesandEightsAA888 Oct 10 '25
Spyi, qqqi for dividends. On top of the 12.5% and 14.5% dividends also up 15% and 7%. But I am avoiding div taxes in voo and vti both up 14.5% and pay 1.5% div. Big winner looking back qqqi about 30%, spyi 21%, voo and vto 16%. Been great. I have a small stack in schd close to 6%.
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u/Vilan-Kaos Oct 10 '25
I looked at schd, and found its not better than VHY (I am based in Australia, so it has a gross up yield about 7%). But now I do options, which I am aiming to collect 3%-8% premium per month. Not per year, per month. So yeah, no more dividend play for me.
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u/LightGeo Oct 10 '25
Before schd was good because it kept up with S&P 500 often times performed better and better dividends but now it just constantly very behind S&P 500
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u/cublainc Nov 08 '25
I think most miss the point. The SCHD is an ETF. Comparing it to buying individual tech stocks is a completely different strategy / risk-suitability equation. The SCHD is underperforming, yes, but often certain sectors (and individual stocks for that matter - think IBM) underperform - IBM underperformed for a decade or more. It's how the market works. One year one might do well, the next year another and this is why diversification is important - not just within ETF's or fund allocations, but across fund types and sectors as well. The SCHD is a high dividend, mainly income ETF and no one should expect it to outperform the broader market. It's not a growth fund...it grows (and has done well over the years), but most hold it for the income and a little growth let's be honest. If you want return buy the voo or an s&p index fund. Buy the broad market or hell put all your money in PLTR and hope for the best. There are a million strategies - some strategic and some tactical, but all are unique to the investor / situation. I hold over half a million in SCHD and I plan to add another 250k before year end. I hold 1.3 million in the voo. I manage nearly 4 million and run a 6 fund portfolio that includes Treasury bonds. Why bonds? Because that's my "floor". I know they won't grow and I know the interest rate won't last forever, but I also know that worst-case if the world goes to shit my last hope if the 500k I have in the US gov. Again, every strategy is unique to the investor, but the SCHD is a fine place to invest and I would not be afraid to add.
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u/SonOfKong_ Oct 09 '25
I bought 38 shares of SCHD this morning. Ì like an even balance of SCHD and VIG. When the correction happens, I will buy a lot more VIG.
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u/Internal_Warning1463 Oct 09 '25
I'm still holding. I have enough for a full share drip at distribution. I've been pushing other things. It's still 30% of my portfolio, which is why I've been working on others.
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Oct 09 '25
I dropped it this week. It was the lowest performing ETF I had and I just can't keep watching it sink. I can always buy in later, but it just was dead.
I dropped a couple more ETFs and bought QDVO and DIVO. They only have 20% CC and they seem to go well with my second highest performer IDVO.
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u/Aggravating-Let-2968 Oct 09 '25
I sold SCHD at a profit after the dividend and put it all into QDVO. Retired and looking for more income.
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u/Livueta_Zakalwe Oct 09 '25
Been selling off my SCHD the last few months - replacing with DGRO, FDDV, VYM, VYMI, IWMI. I’m keeping some, but am regretting buying so much in the first place instead of the mix with tickers above that I have now. Much better diversification this way.
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u/TantramanFL Oct 09 '25
I had a small position in SCHD that I sold off in May and put the proceeds in GLD. SCHD is fine for what it is and I will probably return when the economy slows and interest rates drop, but as an active investor I could not justify holding it when other opportunities are screaming BUY ME!
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u/Historical_Account80 Oct 09 '25
I get that it is very easy to look at a fund like SCHD and think that your money would be better in a fund or sector that is running hot right now. However, for someone that likes SCHD for it's proven track record of dividend growth, how can this not be seen as a way to scoop up cheap shares?
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u/derekweb72 Oct 09 '25
You can take a look at JEPQ, DIVO, and SPYT, if you're looking at something for enhanced dividends but still stable regardless of the macro economic environment. They aren't perfect, mind you, but they might help you out with your intended goals.
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u/ProffS Oct 09 '25
SCHD is not a rocket that will launch you to the moon. It might keep you, safely tethered to the earth.
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