$50,000 In SCHD Will Beat Your Full Time Job! 🔥(UPDATE - BETTER THAN EXPECTED)

[@TomScott__]

Good stuff. I've owned SCHD for 6 years now. I started buying at $49 per share.

[@JerryRomineStocks]

Great job!

[@TeresaBeachyDay]

At the current price today $82.71 you could buy 604 shares with $50k. Dividend income would be $497.75 so roughly $1991 per year or $165 per month. I won't be living well on $165 per month.

[@JerryRomineStocks]

You're thinking too small and missing the bigger picture here. You need to understand the power of compounding. It's like a snowball-barely anything in the beginning, but once it starts rolling, it grows like crazy. Sure, $165 a month won’t change your life right now. But that’s the starting point, not the finish line. Those dividends? They’re not just cash-they’re the seeds you plant and reinvest. This isn’t about getting rich overnight; it’s about setting yourself up for growth down the road. Compound that dividend, and let it snowball into something way bigger than you ever thought possible. That’s the real game.

[@TeresaBeachyDay]

I understand the compounding part, but the title of this video doesn't say it will beat your job in 30 years, it makes it look like it means now. 😊

[@JerryRomineStocks]

Great catch! But let's clear this up: the word 'will' is all about the future. It doesn't mean 'right now,' it means what can happen if you start today and stay consistent. The title's a promise for what's possible, not a guarantee of instant results. Keep that mindset, and the future's yours! 😉

[@Shamustodd1]

This dude is so full of crap. Per the title there is no mention of time, age, cost of living, etc. I'd like to know how at 57 years old SCHD is ever going to pay me more than QTDE let alone replace a job income.. 50k of SCHD=165 a month, 50k of QDTE = 1571 a month. Splain how I'm better off with SCHD. Why retire in 30 years when you can retire in 4 years? 4 years? Yes 4 years and thats after figuring in 25% taxes.

[@dt6750]

Im 23 years away from 65 and after 2.5 years of building SCHD I currently have 1030 shares. I would feel comfortable at 3k share but getting another 2k shares is no easy feats since I’m more focused on in growth now for SCHD is no longer in the 60’s bucks. I would grab 500 shares the next black swan or bear market scenario! once 3k shares achieved, I would stop put money into SCHD and just drip dividend til 65 year old.

[@DK-pr9ny]

13.28% share price appreciation is way too high. It hasn’t even broke 7% over the past 3 years..

[@dusankacurak9520]

true however 7% would be still acceptable for me

[@lindatodd4411]

G.O.A.T. Video Jerry. Great research and good job with your own portfolio.

[@veliadisrosasjr1647]

very informative broda. really cool job!

[@JerryRomineStocks]

Thanks @lindatodd4411. 👍

[@JerryRomineStocks]

Thank you @veliadisrosasjr1647!

[@lindatodd4411]

thank you

[@anthonypayne8106]

Goted indeed

[@pioneer7777777]

In the calculations, a share price appreciation of 13% does not seem realistic. That's higher than the total return has been over the last 10 years.

[@mircea_h]

not only that but the dividend yield also increases on top of that so add 11% to the 13% :) good luck having 14% compound growth for 30 years

[@cashonly2539]

I adjusted my own calculation down to 7% for price appreciation. Still respectable.

[@smileyzz2523]

@@cashonly2539 who cares?

[@outdoorsliving479]

I absolutely love SCHD i add to it every mo. i plan to live off the dividends alone from SCHD in 20 years and never sell a share.

[@JerryRomineStocks]

Nice. I hope you reach your goals.

[@dt6750]

same here!

[@RedKnuckles-w2x]

At your age you should be in a low fee index total stock fund. It will grow much faster. At retirement dividends may work as part of a your investment portfolio. Dividends are NOT free money, the fund price declines with each dividend payment.

[@zm2813]

In order of preference: SCHD or JEPQ?

[@lostboi3974]

I just hit 600 shares 🎉

[@JerryRomineStocks]

Nice!

[@FerlandoHall]

@@lostboi3974 do you hold schd in a taxable account? If so are you concerned about the capital gains tax?

[@nicksmith8141]

One of my favorite ETFs. Not quite at $50,000 yet but getting very close and buying 1 share per week. Should be there in two years or so unless I accelerate.

[@JerryRomineStocks]

Congratulations!

[@unclelong213]

so at the current price 84 dollars a share, and it will only takes you roughly 11.5 years to get 595 shares (aka 50k dollars worth). GL

[@nicksmith8141]

@unclelong213 share price is likely to increase 6-7% per year. Plus this only represents 6% of my portfolio.

[@marcusharrigan6879]

Definitely SCHD. A good Schwab product.

[@JerryRomineStocks]

SCHD is a proven steady winner and you know what you are getting.

[@larrykyles5]

What’s your thoughts on XDTE and QDTE?

[@donyaschuk6538]

Thanks Jerry, love your content and your channel. And love me some SCHD.

[@JerryRomineStocks]

Much appreciated! Thanks Dony!

[@lc2sasuke]

Great video 💯. Thanks for using actual numbers

[@JerryRomineStocks]

You're welcome @lc2sasuke! 🙏

[@WW-34]

I’m going to pass 1,000 shares within the next couple of months!

[@JerryRomineStocks]

Nice work!

[@JoeFromSomewhere2303]

I like the content overall here, but you need to slow down with the "these estimates are based on actual historical data". No that is not true. You are taking SCHDs 13 year performance, and extrapolating to 30 years and claiming it is SCHDs 30 year performance. We have no idea what SCHDs 30 year performance looks like.

[@JerryRomineStocks]

Hey, appreciate the feedback! Let’s get one thing straight-when I say estimates are based on historical data, I’m talking about exactly that: estimates. We’re not pretending SCHD has a 30-year track record; we’re using the past 13 years as a benchmark. It’s about making educated guesses, not wild promises. No one’s got a crystal ball, but historical data is the best shot we’ve got at setting expectations. So yeah, it’s an estimate, and that’s all it needs to be. Thanks for keeping us on our toes!

[@bukursglass6990]

Man I love your channel, I’ve managed to put 38,700 dollars into my portfolio in 4 months, if I can get a 12% return year over year, and continue to invest at this same rate I’ll have a million dollars in 5 and a half years , I’ll be 32 years old , I hope I can do it!! My biggest position is Nvidia , I actually only hold 2 positions, Nvidia and voo, I’m strongly considering going all in on Nvidia or taking my position out of voo and putting it into pltr

[@RoughneckSportsCards]

I love to hear stories like yours from the younger generation, smart person , keep it up!

[@JoeFromSomewhere2303]

Youre 26-27, and had $38,000 of disposable income within 4 months of paychecks? ... sigh...

[@ana-pi6ut]

Would it be better to invest in JEPI?

[@TomScott__]

@@bukursglass6990 Nice. I have 180 shares of NVIDA with an average cost per share of $15.00. It's one of my favorites.

[@drayannalambert7932]

Becareful putting all your eggs in one basket or one company

[@TravelFun-qw8pi]

Thanks. 👍 Any thoughts on AVGO? It dropped on earnings and all of the semiconductor stuff is down. An NVDA and AVGO buying opportunity today and prior to upcoming cuts?

[@pjscafe]

For the last 13yrs, we're in a raging bull market. To say this fund will yield 13% per year in the next 30yrs seems way too optimistic.

[@steveanthony5530]

Amen

[@Shamustodd1]

Especially when all indicators are screaming recession, not just a pullback but an honest to god recession. I'll be dead before I could retire off schd. I play in HIGH yield income etf's currently pulling +/- $1300.00 a month on 20k invested and buying back in with every cent. The only thing I drip is QDTE, DIVs from the rest I save as dry powder for red days to buy back into what's paying the best. Am I a yield chaser? You Bet! Life's to short to pull your dink waiting for the future. Seize the day tomorrow may never come. Good luck boys and girls I'm done here.

[@joseromero9933]

Thanks for sharing

[@JerryRomineStocks]

You're welcome @joseromero9933! 🙏

[@anthonyl.m.8307]

Great Video! SCHD Growth Div. ETF is in my S.D.-ROTH IRA!!

[@JerryRomineStocks]

Nice. I plan on buying more in my retirement accounts. 🙂

[@dwpolicelli1]

I’m rolling over a 401k to my traditional IRA and I’m thinking of putting all 215k into schd. I’m going back and forth between 50 percent schd and 50 percent schg or 100 percent schd.

[@JerryRomineStocks]

Run the numbers for yourself on both to help you decide.

[@priestesslucy3299]

I wouldn't prioritize schd inside an IRA. A qualified dividend paying asset is most tax efficient in a taxable brokerage. But that's just me 😅

[@Kevinw4040]

I’m considering this same thing when I retire in 12 years. And when you’re at age for RMDs to hit the dividends will count towards your RMd.

[@kaleemroberts3646]

Just put 10k in bito futures see if it's better

[@bau4daman]

You are using the last 13 years to estimate a 13% annualized stock price appreciation, but this was perhaps one of the best bull markets in history over the last 13 years. It is unrealistic to use that expectation to forecast stock price appreciation over the next 30 years.

[@JerryRomineStocks]

I get where you’re coming from-thinking the last 13 years were exceptional, and they were. But here's the thing: using historical data isn’t perfect, but it's the best shot we've got at making educated decisions without just guessing. We can’t predict the future, but the alternative is pulling numbers out of thin air. Historical trends give us a framework; they’re not a guarantee, but they’re better than flying blind. It’s about playing the odds, not trying to be a fortune teller.

[@prophyt605]

So instead of throwing money into the 401k you can throw that into Schd !!

[@cesarleiva8272]

Hi Jerry, that is great information & much appreciated for my kids & grand kids. However what strategy do you recommend for someone in their 60"s with 10-15 years hopefully more time frame. Thanks in advance for all your great finnancial info.

[@JerryRomineStocks]

Hey, you’re welcome! I hear this question all the time, so here’s my take: I’m planning to live to 100, and you should too. Even if you’re 65, that’s still 35 years to play the game. If you make it, great-you’ll have built a solid nest egg for your family. And if you kick the bucket early? No harm, no foul. The way I see it, you’ve got every reason to stack that wealth like you’ll hit 100 and enjoy the ride while you’re at it. Plan for the long game, live for today, and let the compounding do its thing.

[@KennethLim-inGuam]

Just curious, how would you contribute an initial deposit of 50k into a Roth account?

[@JerryRomineStocks]

In a Roth IRA most will build the amount with an annual contribution. But, you can talk to your CPA to see if it makes sense for you to do what is called a "Back Door Roth IRA".

[@michaelknight8459]

I would expect the buying power of the dollar to drop by at lease half in 30 years. But even with that said you still make out really good and grows way faster than inflation.

[@JerryRomineStocks]

That would not surprise me either. Unfortunately there is nothing we can do about inflation of the buying power of the dollar. But, we can control our investments and we should be able to stay ahead.

[@vijgokondkar7628]

Thanks.

[@JerryRomineStocks]

You're welcome

[@DMS20231]

$50k in SCHD beats a full-time income? It would have to pay 400% dividends annually. It’s a fine part (perhaps 25%) of a balanced portfolio but it ain’t replacing any income anytime soon.

[@JerryRomineStocks]

Did you watch the entire video?

[@DMS20231]

@@JerryRomineStocks Yes but I also read the misleading title. We already know SCHD is a perfectly good addition to a portfolio.

[@JerryRomineStocks]

Let’s clear this up: the title says 'will' because it's based on historical data projections. That’s the whole point-using past performance to guide future expectations. Yes, we all know SCHD is a solid addition to a portfolio, but here’s the kicker: past data helps us understand why it could continue to be a winner. It’s not about hype; it’s about informed decisions backed by numbers. So, if you’re brushing it off because of a title, you’re missing the bigger picture. This isn’t just opinion-it’s data-driven insight and projections.

[@DMS20231]

@@JerryRomineStocks fair enough.

[@rohp696]

Is SCHD really that good iam confused between VOO, spy or jpeq

[@JerryRomineStocks]

Everything in this video is based on facts and the historical performance of SCHD.

[@joy2world97]

It's that good but you should not have just 1 etf. It's should be a core holding like a mix of spy, qqq and schd. Personally, I treat my schd as my bond holding. It's actually safer than bond. That's just crazy. Take a look at the long term bond tlt.

[@ilocanodetoy2225]

I will invest 200k this month and add about $1000 a month, I am currently 43 years old, retired from military with retirement pay 10k a month and still currently working for the government with TSP account of 150k that I can also take out when I am 59.5 years old. Mortgage is also paid off now I am just trying to get into ETF and last time I was in Mutual Fund back in 2008 and stopped due to the market crash.

[@juliocs5483]

$120k a year from military retirement? Please explain, I would like to share this with my nephew who will graduate from HS next year. Ty for your service 👊🏽

[@adrienneward3342]

@@juliocs5483 an high ranking officer

[@dt6750]

schd in a roth in your 23’s is counter productive. At that age you should all out in SCHG and SPLG.

[@JerryRomineStocks]

Look, I get where you're coming from. At 23, your biggest asset is time, and yeah, growth stocks can make sense. But here's the deal: investing isn’t one-size-fits-all. The Roth IRA is a tool for tax-free growth, and whether you fill it with SCHD, SCHG, or SPLG depends on your game plan. You don’t invest just because someone told you what worked for them. You invest based on where you want to be in 10, 20, or 30 years. SCHD might be counterproductive if you're chasing high growth, but if it fits into a diversified strategy that balances risk and return, then it's not a bad move. At the end of the day, it’s not about picking the 'right' stock-it's about having a strategy that aligns with your goals and sticking to it. So, instead of following a blanket statement, ask yourself: what’s the outcome I want, and how does this choice get me closer? Then, execute relentlessly. That’s how you win.

[@jaym2356]

Great content as always. SCHD or JEPQ? you covered both

[@JerryRomineStocks]

SCHD and JEPQ might sound like just another set of tickers, but they play two completely different games. SCHD is your classic dividend hero-it’s all about reliable, high-quality U.S. companies that pay consistent dividends, making it great for stability and income. Think of it as your steady performer that’s built to weather storms. On the flip side, JEPQ is like the high-stakes, high-reward player that uses a covered call strategy on the Nasdaq 100. It's more aggressive, offering high income potential but with higher risk and volatility. So, if you’re looking for smooth and steady cash flow, SCHD is your guy. If you’re up for a little more action and the potential for big returns, JEPQ’s the one you want. The real question is: are you playing it safe, or are you swinging for the fences? I own both. 😉

[@jaym2356]

@@JerryRomineStocks very well explained Jerry. Thanks a lot

[@jaym2356]

I plan to have both. You nailed the picks

[@mikeb2344]

I retire in about 13-14 years so I will just stick with VOO.

[@JerryRomineStocks]

That should do well too.

[@chancecooper9246]

I have 100k in SCHD. My goal is to see where it’s at when I turn 60 years old. I’m 42 right now.

[@JerryRomineStocks]

Well done! Did you run the numbers through the calculator?

[@duncand9648]

The math in the table cannot be right. You're saying 50k turns into 87k after just 2 years. I call bull....😅

[@cashonly2539]

I'm starting with $250K along with $5K annual contribution in a tax deferred account. YOLO!

[@JerryRomineStocks]

😀😎😆

[@The8thwonder-ub4ct]

I like that this calculation is off of one initial 50k investment. I don't like that I don't have 50k and it's not likely that I'll be alive in 30 years, lol

[@JerryRomineStocks]

Might be time to get a side hustle?

[@bugatti314159]

I prefer VOO (S&P 500) Combined with MGK ( Mega cap growth). They blow away SCHD and many other ETFs. I'm sticking with them.

[@Kevinw4040]

The S&P historical return is ~11% yearly. Schd is showing around 13% so actually Schd is better. Combine with the dividends Schd would yield better growth. But I do 50/50 in both. Very diverse and only 8% crossover.

[@JerryRomineStocks]

Diversity can be a great thing.

[@bugatti314159]

According to the fund profiles, total returns are as follows - SCHD 3 year: 6.54%, VOO 9.33. 5 year: SCHD 13.60 VOO 15.89. 10 year: SCHD 11.59, VOO 12.94. Lifetime: SCHD 13.36, VOO 14.52. A combo would be better than putting everything into one single profile fund.

[@mdouse84]

30 years? With that low ass yield? No thanks. Way better options out there.

[@JerryRomineStocks]

1. The power of compounding. 2. How old are you now and how's your current plan working out? No need to answer but rather just see if you can find an investing plan that you like and can stick with. Most people underestimate the power of time and compounding.

[@RedKnuckles-w2x]

Total return should be your goal. VTI beats SCHD. Total return since inception (11/2011) with a $50K investment------ VTI: $2,726,564 SCHD: $2,457,682. Dividends are NOT free money. (Nothing special about VTI, any low fee, total market index EFT will yield similar results).

[@hectordelagarzav.2264]

You're missing something very important to consider, which is INFLATION. If you're living off 50K per year today, how much would you need to live the same quality of life in 30 years and then how much would you need to invest on SCHD to achieve that goal.

[@JerryRomineStocks]

You’re missing the big picture here-the total balance and how it’s grown over time, plus you’ve got options like the 4% rule. Look, inflation is one of those things we can’t control, but what we can control is our investing strategy. Don’t like the SCHD example? Fine, but the real question is, do you have a better play? If you’re going to criticize, bring something stronger to the table. What’s your plan that beats this? Let’s hear it.

[@javiertc86]

A Roth IRA has a limit of 7K per year so it will take you like 8 years to put 50 on SCHD

[@JerryRomineStocks]

You’ve got a few plays here: Option 1, you might already have 50K sitting in your Roth IRA. Option 2, the backdoor Roth IRA-ask your CPA about that one. And Option 3, the Roth 401K. Here’s the deal: you can add $30,500 a year-$23,000 standard, plus a $7,500 "catch-up" if you’re over 50. So, take a wild guess how much I’m maxing out in my Roth 401K? You know I’m all in!

[@drivingreview1578]

@@JerryRomineStocks If you are maxing out your employer 401k and your $7k roth ira and you're under 50 is there any other tax deferred options?

[@luissalas4931]

The catch-up is $8000 this year... Also, if you reinvest the dividends it should take a little less time... last but not least, remember that the $$ you contribute to the Roth has to be earned income. So, if you're in your 50s most likely you don't have 30 years to contribute... and you'll need to start withdrawing in 15 years or so...

[@JerryRomineStocks]

Best bet is to have a planning session with your CPA to see what's best for you. I'm blessed and have a great CPA and he runs different scenarios and tells me where contributions make the most sense based on my financials.

[@Kevinw4040]

@@JerryRomineStocks if your Roth 401 is fortunate enough to offer Schd that’s great.

[@a1gb4456]

What do you think about Kamala Harris wanting to TAX unrealized gains??

[@rayuken1]

IIRC doesn't matter unless you're super rich, 100m+. Still dumb as fuck but yeah, only hurts you if you're already filthy rich.

[@thumperjr100]

Uggh, she is such a tool

[@JerryRomineStocks]

That's nonsense, and honestly, it’s not likely to happen. But let’s say it did-there’d be loopholes, no doubt. Politicians are pros at writing themselves, and friends, a free pass or finding the back door. And hey, if they’re going to tax unrealized gains, then we should absolutely be cashing in on tax breaks for unrealized losses too. It’s got to cut both ways.

[@pistolaycorazon]

@@a1gb4456 I can only dream of being affected by her unrealized gain tax. I'm about 99 million away from it.

[@rickm8456]

@@a1gb4456 I heard she wants to tax unrealized Kohls cash.

[@a.l.3353]

How do we put in $50,000 into a Roth IRA in 2024? The maximum a person can put in is only $7,000 if under age 50.

[@dral22]

You can't. You can only max it out each year. Just put it in your brokerage account, yeah you’ll be taxed, but it's part of the game. Get busy.

[@JerryRomineStocks]

Talk to your CPA to see if doing a "Back Door Roth IRA" is right for you. A Roth is just one of many account options.

[@alexbreske]

I wish there was a way to put 50k into a Roth IRA aren't there yearly deposit limits?

[@JerryRomineStocks]

Talk to your CPA and see if a “backdoor Roth IRA” makes sense for you. And if you’re self-employed, don’t sleep on the Roth 401K option-you might be able to stack both.

[@soxbeatcubs]

If someone has already built up a substantial nest egg by investing in VOO, and is ready to retire, would it be safer for them to just transfer those assets to SCHD and live off and depend on the income in retirement? Or, should they just keep the nest egg invested in VOO. Looking for income with principal protection and less volatility at this point. Or, should they just divide the portfolio 50/50 into both?

[@JerryRomineStocks]

Look, the goal in retirement isn't to make a killing-it's to avoid getting killed. If you've already built up a big nest egg with VOO, that's great, but now it's about preservation and income. Here's the deal: VOO is growth-focused, low dividends, high volatility. Not exactly ideal when you’re looking to live off your portfolio. Switching to SCHD gives you more cash flow, which is key if you’re looking for income, but it's not without risk. So, what's the play? You hedge. Go 50/50. This way, you're keeping some skin in the growth game with VOO but also tapping into the consistent dividends from SCHD. It’s like having a safety net and a launchpad. You get the best of both worlds-steady income, less volatility, and you’re not overexposed to one approach. And remember, in retirement, it's about playing defense as much as offense. Balance is your best friend here. So, split it, sleep easy, and keep that nest egg working smart for you. * I am not a financial advisor and am just sharing my thoughts.

[@pattylovesneal]

I have the same question. I think once i retire in 10 yrs or so, I may do 50/50 in VOO and SCHD for continued growth and safe divvy investments.

[@andayfeb8th]

Thanks for sharing your knowledge … So if I invest $50,000 this month September … From October next month how much will I get every month .. Approximately ..Please need all to answer my question . Thanks in Advance 🙏

[@Kevinw4040]

50,000$ x 3.4%= around 1700$ yearly dividends give or take. But if you reinvest those dividends quarterly that’s where the snowball starts.

[@andayfeb8th]

@@Kevinw4040 Thanks a Billion 🙏

[@kellylee514]

If Charles Schwab doesn’t make it what will become of SCHD?

[@brucebell09]

Interesting

[@JerryRomineStocks]

🤔🤔🤔

[@melliotbarrett]

I’m wondering if there might be better dividend growth funds that provide more than just 3 1/2% per year it isn’t even give what you get in the money market fund

[@JerryRomineStocks]

There are others like JEPQ and JEPI. Don't forget that stocks can also appreciate and the dividends are reinvested to buy more of the ETF.

[@ollirusama]

Talk about being optimistic. Sure, I’d love Schd to absolutely annihilate the SP500, since I own more than 100k of Schd. I doubt it’ll happen, though…

[@JerryRomineStocks]

Let’s keep it real-comparing SCHD to the S&P 500 is like comparing apples to oranges. Different tools, different risks, different plays. The S&P 500 is higher risk, riding the ups and downs of the entire market, and that’s where your big gains-or big losses-come in. SCHD? It’s the steady Eddie. Lower risk, solid dividends, built for stability. It’s not designed to crush the S&P 500, and that’s okay. They serve different purposes. So, stack your SCHD, enjoy the ride, and let the S&P 500 do its thing. Different tools for different goals.

[@Clunkledunk]

I didnt start investing til around the beginning of covid and was mostly yield chasing. I sold most of my nothing stocks and paid off my car last year and started adding 2 SCHD to my portfolio every pay day. It's not much but my goal is to ultimately get to 100 shares (still have 70 to go) and then 250 from there. Once I'm done paying off student loans I plan on upping my contributions to 5 shares per check. I'm not trying to get rich, I just want a nice supplemental income so I can save money to possibly buy some property in the future.

[@kellylee514]

What happens if Charles Schwab doesn’t make it? What does SCHD look like then?

[@JerryRomineStocks]

I really don't see that as a possibility. But, if it did there are safeguards with SDIC and FDIC insurance to protect investors.

[@unclelong213]

these types of dividend calculator is totally wrong, schd from inception to now is 13 years and its price jump from 26 dollars to 84 dollars, and you think 13 years from now the share price can get up to $425 per share? and 26 years from now the share can get up to $2151 per share? come on... SPY since inception 1994 to now 2024 its 30 years, and the price rose from 55 dollars a share to 560 dollars a share (current price). what's the chance for schd to get from $84 dollars a share now to get up to $3542 a share 30 years later.

[@James-ql8bo]

I don't know where to even start. What accounts should I open and where

[@JerryRomineStocks]

Just start. I have a few links in the description that give you a few free stocks but more importantly is that you take the first step. If you are really new to stocks Robinhood is nice because they have a user friendly platform.

[@CZaspeC]

Hi, how calc. Know how much schd paid div? And of What amount is 3,42% ?

[@MNTrader2012]

Sure. if your job is flipping burger.

[@JerryRomineStocks]

Which could be your reality if you’re not sharp enough to see what’s right in front of you-millions sitting in your account and $70K a year in dividends rolling in. Don’t miss the big picture.

[@Widemouth1832]

I'm at 137 shares.

[@JerryRomineStocks]

💪

[@stephaniec6923]

Would you recommend SCHD in a taxable brokerage account?

[@JerryRomineStocks]

Most people have it in taxable accounts and you saw the forecasted results in the video based on the historical performance. Regular accounts are fine and IMHO tax advantaged accounts are better, at least for me.

[@sallyrose6970]

What if you are 58 years of age? Is it too late?

[@JerryRomineStocks]

For me, no. I plan to live to 100.

[@FLking727]

You didn’t add any annual contribution or the actual ETF in the calculator

[@JerryRomineStocks]

There are 3 different scenarios shown in the video. Watch all three. 😉

[@CarlosGonzalez-ib9bc]

I wonder what I will be able to afford with 70K a year in 30 years 😮

[@JerryRomineStocks]

Me too! But don't forget how much your nest egg has grown and you'll have that as well.

[@goffsgetawaygardenhomestea5997]

Some say all in, some say stay away…. This gives a little confidence in Schd

[@latinconnectionhi5338]

Ready to invest into SCHD what other ETF I can pair the SCHD to maximize dividend return.

[@RedKnuckles-w2x]

You do not want growth, you want total return. VOO, VTI from Vanguard or equivalent.

[@JerryRomineStocks]

Pure dividends - JEPQ. Growth QQQ or QQQM. Technology VGT or SMH.

[@RedKnuckles-w2x]

@@JerryRomineStocks QQQ has a 0.61% divdend QQQM has 0.66 VGT 0.64%

[@spratmajor2576]

*This channel must be meant for people over 40. Those of us in our mid 20s do not have $50k laying around. I'm sure this is sound financial advice but the message is targeted (not for all)*

[@JerryRomineStocks]

There are actually three scenarios given in the video. One that could apply to you. Did you see it?

[@loubob21]

This means you have 20 more years to accumulate.

[@a.l.3353]

What about the fees the ETF charges? 0.06%. After the fees are taken out, the dividend rate would drop to 3.42% - 0.06% = 3..36%, correct?

[@JerryRomineStocks]

For ETFs, the dividend yield you see is what you get-it’s net of fees. That means the management expense ratio (MER) and any other fees the fund charges are already baked into the yield. So when you’re checking that yield, you’re looking at your actual take-home, no need to subtract anything extra.

[@a.l.3353]

@@JerryRomineStocks ok. Thanks for clarifying.

[@lazerbud]

Shouldn’t you maybe account for down years?

[@JerryRomineStocks]

Yes, and that is why we use a historical average. And, even with that nothing is guaranteed.

[@kaleemroberts3646]

Bito futures with 50k invested give you around 2,777 shares at 18$ a share with a $1.21 yield give you over 3,000 a month lol, hello. What?

[@doriannyx1409]

50% yeld / 50% in red.

[@a.l.3353]

What if some of the stock companies inside the fund decrease their dividend or eliminate their dividends completely over time, will SCHD still able to payout the 3.42% dividend every year?

[@JerryRomineStocks]

Let’s be real-nothing is guaranteed, but these numbers are all based on historical performance. SCHD constantly adjusts its holdings, and that’s the whole point of buying an ETF like this-it’s professionally managed, so you don’t have to worry about picking stocks or tweaking your portfolio. They do the heavy lifting for you.

[@a.l.3353]

@@JerryRomineStocks ok. Got it.

[@lordabhikingfisher8087]

BS. Anyone with one % brain will tell you dividend paying stocks grow much less then S&P 500 benchmark even after considering the dividends. The dividends will not outperform total wealth generated by high performance stokes. ETF like SPY should be your number one choice. All the dividends name this guy rattled off are all value stocks and will never grow. This guy did not benchmark against DOW and S&P 500. This is infomercial and quite bad at that.

[@JerryRomineStocks]

Appreciate the passion, but let’s pump the brakes on the one-liners. Yeah, dividend stocks might not always keep up with the hottest growth stocks, but let’s not pretend it’s a race where only one strategy wins. SCHD isn’t about chasing every flashy high, it’s about steady, reliable growth with a side of income-something that works for a lot of people, especially in volatile markets. And benchmarking? It’s not about cherry-picking the ‘right’ one to make your argument look good. Different tools for different jobs, my friend. You’re rocking SPY? Great. I’m glad that’s working out. But if you think value stocks never grow, you might want to check your numbers again. This isn’t an infomercial, it’s options. You can pick yours, I’ll pick mine, and we’ll see who’s still smiling down the road.

[@lordabhikingfisher8087]

@@JerryRomineStocks You are misleading innocent folks without bench marking SCHD growth against major indexes. You are presenting one and only one way to save. Never once did you give the above disclaimer in your video. Dividend is good only for the folks who are close to retirement and looking for stability. Vast majority will lose out on wealth generation if you are not honest about cons.

[@pattylovesneal]

@@JerryRomineStocks Thank you! I am not in my 20's or 30's and started investing only about 7 yrs ago after a divorce. What i have learned through lots of research and doing my own DD, is that everyone should have a base in their portfolios. My base is VOO. I have 60% in this. What I do is, when i make a great stock pick like NVDA and MSFT, I sell my initial investment and leave the rest, which I call house money, in that growth stock. What I do with the initial investment is invest in SCHD. I am finding that with drip my SCHD is growing nicely. Eventually in maybe 10 yrs of so, I plan on putting 50/50 of all my stocks into VOO and SCHD and just sitting back and enjoying my retirement!

[@crazej213]

I have over 100k i SCHD. And no it will not beat your full time job.

[@JerryRomineStocks]

Not even in 30 years? You must have a nice job!

[@crazej213]

@@JerryRomineStocks well I will let you know in 30 yrs!

[@raymondcarson7355]

What does it look like in dividends at100k

[@duncand9648]

@raymondcarson7355 He goes through it in the video. Tldr; he's talking about how much you'd have after 30 years....not instantly. If it was instant, surely no-one would need to work.

[@jamespier7801]

assuming 13.28% share price appreciation per year is outrageously misleading.

[@JerryRomineStocks]

Look, I'm not assuming anything. This isn't guesswork-it's all backed by historical data straight from the source. I’m showing you exactly where it comes from, and yes, it's right off Schwab’s own website. The data is what it is, and it’s right there in black and white. What’s outrageous isn’t the data-it’s not being willing to accept facts when they’re staring you in the face. Numbers don’t lie, and neither does a source like Schwab. So if you’re questioning the data, you’re not questioning me-you’re questioning a reputable source that's transparent about the numbers.

[@adamtatusko]

@@JerryRomineStocks That's SCHD's total return, not the price return (excluding dividends) that this calculator expects for this field.

[@coreygigoux7342]

How about just DCA into bitcoin?

[@JerryRomineStocks]

Apples vs oranges. But if you prefer bitcoin by all means go for it.

[@wadjias4246]

Misinformed Title! Should say in 30years retirement

[@JerryRomineStocks]

Hey, I get it-you’re thinking instant results, but the title says 'will,' meaning future tense, not today. Building wealth is a long game. It’s about setting up for what 'will' happen if you stay consistent, not a get-rich-tomorrow scheme. Play the long game, and the results will come!

[@greglagregtoulouse]

What about vs JEPQ? 🤔

[@JerryRomineStocks]

Another one I love. I have done a similar video in the past and may do another soon.

[@geneallen5294]

I don't have 30 more years

[@JerryRomineStocks]

Maybe investing in lottery tickets and hope? But seriously, why not plan on living for as long as you can and having your money make money? I'd rather have goals and be working towards them then die a slow death as a couch potato. And trust me, I'm no spring chicken.

[@JohnHandzo]

I have shares of VYM

[@multiimediia]

Would it be better to buy SCHD than to hold it in a savings account earning 5% over the long haul? I'm in it for the next 30 years

[@JerryRomineStocks]

Look, if you’re thinking long-term-like 30 years-SCHD will likely blow a 5% savings account out of the water. You’ve got potential for higher returns, dividend compounding, and a hedge against inflation. Sure, there’s market risk, but over decades, that’s how you build serious wealth. A savings account won’t keep up. But hey, I’m not your CPA-talk to them to see what makes the most sense for your situation.

[@gothops2632]

Why SCHD and not QQQM?

[@JerryRomineStocks]

Apples and oranges. SCHD is more conservative for dividends where QQQ and QQQM have more tech and growth.

[@gothops2632]

@@JerryRomineStocks So do you think it could be good to have both?

[@JerryRomineStocks]

Yes. Just like I have aggressive high risk stocks I also have conservative guaranteed 5% returns in my portfolio. Different tools for different jobs.

[@gcs7817]

I think many investors can plunk down 5,000 Then $1200 per year to start and then commit to upping the contribution by 10-15% per year. The trick ? Don’t increase expenses every year. Live within your means. Put bonuse, inheritances , windfalls , tax refunds , and a % of your pay raises into your SCHD… then sit back and retire comfortably

[@JerryRomineStocks]

Everyone has to live within their means. Main thing is to formulate a plan and stick to it.

[@susan4yahshua]

Im a senior, 63 , ...can u find somthg that would work for me ? 30 yrs to long.... 😊

[@JerryRomineStocks]

I’m planning to live to 100, and you should too. Even if you’re 63, that’s still 37 years to play the game. If you make it, great-you’ll have built a solid nest egg for your family. And if you kick the bucket early? No harm, no foul. The way I see it, you’ve got every reason to stack that wealth like you’ll hit 100 and enjoy the ride while you’re at it. Plan for the long game, live for today, and let the compounding do its thing.

[@pearlperlitavenegas2023]

1st!!!!

[@JerryRomineStocks]

Woohoo

[@javimelendez414]

FXAIX to the mooooonnnn!

[@adamtatusko]

This is the way!