$50,000 In SCHD Will Beat Your Full Time Job! 🔥

In this video, I take a deep dive into the SCHD ETF, showing you how an initial $50,000 investment could potentially free you from your 9-5 grind, highlighting its low expense ratio, impressive dividend growth, and time tested standout performance. Discover the path to #FinancialFreedom with #StockMarket strategies, #InvestingTips, #DividendGrowth, #TechInvesting, and #SCHD insights that could change the way you view your investment portfolio.
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music credits:
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[@yvelf]

great vid! i do appreciate how you explain in detail how it works. i currently have little over $10k in $SCHD. not my biggest position, but the div is quite nice. im looking into moving my portfolio into a trust that will take care of my kid when hes older and im no longer here...best gift i could give him (aside from the best education possible)

[@JerryRomineStocks]

I'm all for asset protection and estate planning. Hopefully you set things up with both in mind.

[@jimbobjim2310]

Only $350 a year on $10,000. Instead dump $500,000 in schd and make $1500 a month

[@randalldellwo6365]

By the way….. start your kids or grandkids on this path early. My kids contribute $50 a month to growth div stocks. We’ve been on this track since they were born. At 16 now, my oldest is starting to contribute extra from a part time job. He’s already got $20k built up and growing exponentially. Last year he earned $2400 in div/cap gains. He’ll be fully retired at 40.

[@PVMMAC]

🎉🎉awesome! Teaching my son $ too.. schools don’t teach money for sure

[@JerryRomineStocks]

That's awesome! Great job teaching your son.

[@amybui6215]

That’s great but don’t they only allow 18 years and older to open an account??? So how do you open one for your kid ??

[@randalldellwo6365]

You have to open a UGMA or UTMA account. The great part is there are no contribution limits. I used TRowe Price. I am able to invest in the same funds that they offer their IRA customers.

[@wa210]

All rosy until the ultimate stock crash comes, which it will in the severly overpriced casino lnown as Wall Street. Been going gangbusters since 2010 since 0% rates allowed companies to take on hordes of debt to buy competitors or super fund their executives. Problem is your kids have never seen a true bear market.

[@realsteel8113]

I’m 55, in the last 4 years I’ve gone from a net worth of $5k to a net worth of $280k…. It’s a lot of work and a lot of luck. But anyone who doesn’t have 30 years to play the game has no other choice.

[@gwynedd1]

Yeah up to that point its a lot more of a choice. Seed money grows on income and budgeting, not investment returns. Once the net worth is several multiples of income, then its a little more luck.

[@TheDeathvice187]

How did you do it

[@jimknarr]

@@TheDeathvice187 If you give him your credit card, I'm sure he will tell you.

[@realsteel8113]

@@TheDeathvice187 diversity mainly, just started throwing out money 💰 into different things, a LOT of different things, then luck took over and about 8/10 investments paid off. 3 of them actually did 3x or better in a short time.

[@lbjoshbal]

What did you do? Sell drugs?

[@markpeterson03275]

The only detail missing is that you can’t just dump $50k into a Roth IRA in one year due to contribution limits, so that lump sum return isn’t possible, $7k ish over 7 years could be, but that wouldn’t compound exactly the same.

[@JJ-jn7ei]

Well, maybe cut that in half I.e. right now you can still contribute for 2023, and 2024 so you can do 12k right now..

[@JerryRomineStocks]

There are options available! 1. Hopefully you already have a Roth IRA or Roth 401K setup. 2. Talk with your financial advisor to determine what is best for you. 3. People can consider doing a Backdoor Roth IRA (talk to your financial planner). I appreciate the comment and my goal is to inspire people to explore the possibilities and do their due diligence. :)

[@edcastillo4456]

Back door Roth

[@markpeterson03275]

@@edcastillo4456 Yes, but how are you going to get 50k into any IRA in year 1?

[@peaceful4you408]

You can do what’s called a back door IRA. A lot of wealthy and high income earning folks use this to get ownership of a Roth IRA. I do a back door Roth IRA myself because my annual networth is hundreds of thousands of dollars above the maximum annual salary limit for a Roth IRA.

[@jessicatran1012]

Thank you for showing conservative numbers. I always wondered if the numbers I’m changing in the calculator were correct. Good to see I was on the right path. Thank you!!!

[@JerryRomineStocks]

You're welcome @jessicatran1012! 🙏

[@maigematthews5620]

I think that these few questions will make a great video, because I can’t seem to get it to pop up in the KZbin search: What happens when you combine DCA (Dollar Cost Averaging) with the DRIP (Dividend Reinvestment Plan)? What would be the 10 or 30 best dividend contributing stock/ETF/REITs to take advantage of this plan? Ex.: invest $2,000 per week in GLAD and reinvest its monthly dividends. Last question: Have you ever discussed the achievement of escape velocity in your portfolio or reached the investment threshold? You might know it by another name/phrase, so let me explain… It’s a dollar amount of investment where most investment vehicles treat your funds “differently”. Ex.: 1 million in liquid assets or a $250K annual income. An investment with a one time transaction lump sum of: $20K, $100K, or $1M. I would love to know how did this come about, and what is it like when you’ve just crossed over the threshold. Another way to maybe explain it is your investment takes on a life of its own and no longer needs any further investment from you.

[@stephnejele2483]

DCA = DRIP - both have regular investments regardless of the mkt; the source is different and DRIP is going into a single fund/stock DCA could be any combo of stock/mf you want. Look into ETF/Preferred stock/REIT's. Probably thinking accredited investor - they just automatically assume you have the knowledge to make decisions or enuf funds/income to bail yourself out of dumb decisions.

[@therealljordan]

I have 47 shares of SCHD but I just started so looking to add a lot more :)

[@Come2mybelly]

I just started too and market is down ughhh lol

[@therealljordan]

@@Come2mybelly that's a good thing! everything is on sale! I've been buying a lot of QQQM and VOO lately...

[@jgibbs6159]

Key take away - invest early, contribute what you can every month, NEVER take any money from the account (regardless of the emergency) - until you retire.

[@LiberatedMind1]

You would need a million in SCHD just for a 30k+ dividend income.

[@paulmiljus]

@@LiberatedMind1 that’s not good

[@jduke989]

@@paulmiljus its a grows as well

[@Amp96R]

Truth. Really you need millions to gain a 80K yearly income in 30 years. What is that in today's dollars counting inflation. About 20K 2024 dollars. I don't get the SCHD craze.

[@evanspiteri3576]

That's if you put it in right now. You're not factoring in the dividend growth over time and the dividend reinvestment. You can reach 30k in income from SCHD with a much lower amount invested you just need time on your side.

[@miguelena40]

Love the explanation thank you I am subscribe to you ., the only " I am new investing " and I don't know how to see when is the day to invest and have those dividend I am confuse with the ex date if said June 20 and we are in August are we not available to get those dividends ?

[@JerryRomineStocks]

If you're buying a stock or ETF specifically for the dividends, you want to purchase it before the ex-dividend date. The ex-dividend date is the cutoff point-if you own the stock before this date, you'll be eligible to receive the next dividend payment. If you buy on or after the ex-dividend date, the seller will get the dividend instead of you. So, to ensure you get those dividends, make sure to buy the stock or ETF at least one business day before the ex-dividend date.

[@eplugplay8409]

Ironically, I just dropped 100k into SCHD today and then I saw this video interesting..

[@RakMPVet05]

How is it doing now?

[@eplugplay8409]

@@RakMPVet05 Actually sold it after it went up a bit, had a feeling we are in a recession. I have 45% of my money in cash in a money market earning 5%. I will wait few more months and buy in at lower prices.

[@rudygoofysrh]

Excellent work sir. I’m building my Roth IRA now. Thank you for the recommendation.

[@JerryRomineStocks]

Glad to help

[@billyjohnson9166]

I have over 5,000 shares of SCHD.

[@JerryRomineStocks]

That's quite a few! Nice!

[@jeffaragon]

Lol hell yea

[@jeffaragon]

At its current price 5000 shares comes up to about 400k

[@jeffaragon]

About 12k annually of passive income

[@tatianahamilton3840]

Who cares😂

[@Amp96R]

I don't get the SCHD craze. SCHD has a market appreciation of $3 over three years depending on when you bought in three+ years ago. You could have $2M in SCHD in 30 years and that equates to about 80-90K a year in dividends. Sounds like a lot! But wait, there's inflation to account for. How much is 80K a year in 30 years after accounting for inflation? About 20K today. I like how the adjusted market appreciation is 6%. In 3+ years, when I originally bought in the stock price was $78. Today? $82. I'm very happy I sold this year and got into more growth ETFs like QQQM, SCHG, and XLK. Good luck to those looking for financial freedom in 30 years in SCHD.

[@cookinthekitchen]

I like the air fryer espresso combo

[@JerryRomineStocks]

The full combo is the air fryer, expresso, and pressure cooker. Love them all!

[@benjamind3448]

What do you think about BLNK?

[@millionairesdreamassociation]

I got 5 shares so far thanks for the advice

[@JerryRomineStocks]

You're welcome @millionairesdreamassociation! 🙏

[@khafreahmose8768]

Yeah but how much will $50k in dividends get you 30 years with annual increases in inflation???

[@JerryRomineStocks]

Don't forget you have the value the account which is over 1 million dollars. You could then follow the 4% rule in addition to your dividends.

[@krisrap3828]

After 30 years, $850,000 will be needed to buy what $50,000 buys today. All this saving and investing just keeps you slightly ahead of inflation. Better than nothing. But you ain't becoming rich or even beating your full time job.

[@alexisascanoa9971]

is your math right? i mean if my goal is 50k in dividends per year and I invest in SCHD, which has a 3.5% yield, then that means that i need 1.4 million balance at the end of your investment(50k/0.035 = 1.4 million)

[@khilolim5962]

Thank you

[@JerryRomineStocks]

You're welcome @khilolim5962! 🙏

[@ianscianablo8507]

Hi Romine. I just rolled over my Walmart previous employer) 401K into an IRA via Merrill Lynch. I think their platform is TOO expensive. I want only onebroke account. Vanguard with bedrock low cost index funds. Any thoughts?

[@JerryRomineStocks]

I like Schwab but it is really a matter of personal preference. I have accounts at several brokerages.

[@jesselee773]

Fidelity all the way! Plus walmart has a shit 401K investment options to begin with.

[@joachimguth6226]

You should add - in 50 years - otw we all know its click-bait and reputation lost

[@JerryRomineStocks]

Thanks for your feedback! Thumbnails and titles are designed to capture attention and give a sneak peek into the video's content. I always strive to ensure that the video delivers on the promise of the thumbnail and title by providing valuable and relevant content. My goal is to engage viewers from the start and offer them insights they find genuinely useful. Did you find the end result from the video helpful?

[@pichorra9]

Why not have a combination with cover call ETF's to increased the payout and reinvented.

[@JerryRomineStocks]

You could do that but SCHD covered calls have very low premiums.

[@oldhead5228]

Would this be good for someone in 50’s

[@JerryRomineStocks]

I'm in my 50s and plan on living to 100. Is their a downside to planning to live to 100?

[@lucious455]

30 years like if we are immortal vampire. Lots of us are over 40

[@JerryRomineStocks]

Are you serious? I'm 53 and planning on living to 100 so I'm only about 1/2 way there.

[@lucious455]

@@JerryRomineStocks it’s good!!! you feel full of life at 53, nothing wrong . I guess I will leave wealth to my only son who is now 7 years old . In 30 years I’ll be expiring 😩😩.

[@mikeyis009]

I love seeing the comments about invest in this and that cuz it’s a “better yield”. LOL. There are $60 billion in SCHD while rates are through the roof. (Worst time) It will explode when rates drop to $70 or $80 billion in a few months. Sit back and think for 10 seconds. Why would people with a cumulative investment of $60 billion have their money in SCHD? Probably not cuz we’re morons.

[@JerryRomineStocks]

✌😊👀✔

[@onionpeeler2023]

SPYI + QQQI + BNDI + CSHI is a much better approach...

[@danielshchyokin3047]

whoops forgot to adjust for inflation and taxes, influencer spotted

[@musclecars4635]

Is a backdoor Roth IRA similar to an IUL?

[@JerryRomineStocks]

Best to ask a financial advisor. But, for entertainment purposes I'll give it a shot. A Backdoor Roth IRA and an Indexed Universal Life (IUL) insurance policy serve different financial needs: the former is a retirement savings strategy for high earners who are otherwise ineligible for a Roth IRA, allowing for tax-free growth and withdrawals in retirement. In contrast, an IUL offers a blend of life insurance coverage and investment-like savings, with its cash value growth tied to a stock market index but protected against market downturns with certain guarantees. While the Backdoor Roth IRA focuses solely on maximizing retirement savings in a tax-efficient manner, the IUL provides both a death benefit and the potential for cash value growth, albeit often with higher fees and complexity. Choosing between them depends on individual financial goals, need for life insurance, and risk tolerance. I'm a purist and prefer a Roth IRA or Roth 401K. I don't like complex and higher fees.

[@musclecars4635]

@@JerryRomineStocks thanks Jerry! I’m looking to move 401K $ to something where I can get monthly income and not pay taxes for now. I guess kind of like a reverse mortgage.

[@peterhennessey6982]

So I can live off of $45k/year in 30 years and $2k per year now? Where? How did this get almost 4000 likes? What full time job pays $2k per year?

[@JerryRomineStocks]

Stick around until the end of the video-you'll want to see what that 50K turned into. Trust me, it’s all in there!

[@huyvo1586]

30 years are too long bud, life is short, live today and tomorrow is not promised. If get out the comfort zone and you the right strategy and willing to take risk you can turn that 50k into miilions of dollrs in couple years. Sorry 30 years not for me.

[@JerryRomineStocks]

No worries.When I was young I wanted everything fast too. 😉

[@brettchun38]

1500 per year😂

[@JerryRomineStocks]

😀😎😆

[@luney3232]

Yeah because I can live off $125 a month

[@brettchun38]

@@luney3232 maybe his talking about living in Ethiopia 😆

[@dextersimon4629]

no schd, voo is better

[@ClassicIX]

You forgot the extra zero for this statement to be partially true, “500,000 in SCHD before you can live off this and a part time job.”

[@skybiz4520]

Right, not to mention to buy it at $75 now, there is no guarantee that it not going to be $10 in few months down the road. And? "Your potential investment of 50K turn into 10k".. Good luck.

[@FactStorm]

Word

[@negotiv]

@@skybiz4520 the only possible way this falls to that price would be with a huge stock market crash. And even if it somehow does it always goes back up long term. And This is meant to be held over many years that’s the point

[@Mdevlin0]

As a senior citizen 😂

[@DallasHVac]

@@skybiz4520 if schd ever goes to 10, something is going on, ww3 most likely

[@michaelliati1515]

Nope I had $110k in SCHD for a year and a half and not much changed in that time period

[@MyLifeMyMoneyMedia]

Had this stock for several years. SP500 was gaining 20% while this stock stay the same.

[@8-Track.70s]

@@MyLifeMyMoneyMedia May be happier with a 50/50 allocation. Growth/Value.

[@joy2come119]

Are you still in the fund and just stopped contributing to it? Or did you sell your shares

[@xaldath4265]

Feels like short-term results-oriented reasoning. Also sounds a lot like you bought SCHD immediately following a pull-forward in profits without a plan and full understanding of what you bought into or why.

[@Biggsneeky]

@@MyLifeMyMoneyMedia ....if you held over 100 shares of SCHD, you could've sold Covered Calls at a .20ish Delta and captured some premium income just by letting the shares do some work for you while you wait for those quarterly dividends to kick in! Ijs! 😉😹😹😹👌

[@annjean8709]

Your voice reminds me of Mr. Casey Kasem. Great video! Thank you for sharing.

[@JerryRomineStocks]

Wow, thanks!

[@reddelicious498]

Yes Jerry, I like how you go into the details.

[@JerryRomineStocks]

Thanks. I appreciate the comment. I like making my videos short but these types of details I think are important to many people and most youtubers don't cover them.

[@lostboi3974]

Im DCA'ing $30k per year into SCHD. Hopefully it works out good for me.

[@lbjoshbal]

Hopefully man

[@travisrsmith44]

Sell covered calls against it. 20 delta

[@SamuelGriffin]

you would be better DCAing into VTI or QQQ.

[@r.ryansadeghian8060]

@@SamuelGriffin or even qqqm + vgt

[@ianscianablo8507]

I went from Scuzzy Wallys (Walmart) to Corning-but I still have an income problem! Where are those jobs in Upstate NY that gives you a 25% match?! These 6% matches R dis-gusting!!!!

[@derekross6649]

SCHD June 2024 dividend payout is .82 a share!!!!!

[@sully9088]

Thanks for the video. I'm already on a healthy path to retirement, but I'm in the early stages and don't see the snowball effect kicking in yet. These kinds of videos give me the necessary dopamine boost to keep me going.

[@JerryRomineStocks]

👊👊👊

[@danielshchyokin3047]

This guys advice is terrible

[@jeffaragon]

50k in schd will get you 628 shares at its current dividend of .61 cents as of right now even with the growth rate I wouldn't retire or quit your job just yet lol that's only 1,532$ your first year minus the accumulated shares from reinvesting. If you add the compounding from your first year you would accumulated about 12 more shares from dividends would give you 1,561.60$ your first year. Good click bait bud.

[@kennet2282]

the video said over 30 years lmaooo

[@jeffaragon]

@@kennet2282 the video says all you need is 50k in schd

[@kennet2282]

@@DoubleJabSlipRightHand that I agree

[@JerryRomineStocks]

This title emphasizes the long-term growth potential of dividend investing, starting with a $50,000 investment and then I showcase the potential results.

[@taylorbarnard4880]

lol that’s how this investing thing works, bud. If you want to get Rich by Tuesday try crypto

[@Rirome61]

Do you like SCHD vs JEPQ for the long term, or would you consider 50/50 split?

[@JerryRomineStocks]

I currently own JEPQ and I will be adding SCHD in one of my retirement accounts. When I create this videos the numbers and possibilities blow me away too!

[@xaldath4265]

JEPQ is probably not a great decision for "the long term". I would argue almost no option strategy is. Options take the risk reward of holding long and just shift the points of risk and return, but they don't improve them. More often than not, the long term returns will suffer. In my opinion, it's better to just hold the assets you expect to grow straight up. If you make a change near/in drawdown, that's different, but I don't advocate anyone with 10+ years left use a CC fund. You're likely to pay more in taxes for it, too.

[@constitutionalstacker5701]

I like SCHD, VOO, and SPYD as well as others quite a bit.

[@JerryRomineStocks]

Solid choices.

[@sissydreams7494]

Is this guy a registered investment adviser representative? His claims and hypotheticals are wildly speculative. Notice the disclaimer that says that this video "is for entertainment purposes only". Use his guidance at your own RISK.

[@JerryRomineStocks]

Hey there! Thanks for taking the time to share your thoughts. I want to clarify that I'm not a registered investment advisor, and indeed, as highlighted, my content is for entertainment and educational purposes only. My aim is to share insights, spark discussion, and encourage folks to do their own research before making any investment decisions.

[@raulramirez497]

Awesome thanks, im going to get it for my daughter she is 7

[@JerryRomineStocks]

Awesome. Here's something to consider. _A Roth IRA can be opened for a minor child who has earned income for the year. Roth IRAs can offer tax benefits, including tax-free qualified distributions in retirement. Parents maintain control of the Roth IRA until the child reaches adulthood, at which time the account is transferred to them._

[@jazzjackson9875]

Mine is 13 and it’s time to set this up for her!

[@pastorquangful]

Thanks for making the video. I had a question regarding the strategy of investing in Growth ETFs such as SCHG or QQQM which has a higher growth (incl. Dividends) and then converting those funds to SCHD in retirement. I understand that it is a bit riskier, but when you have 20 - 25 years remaining until retirement, is this a viable option in your opinion? The goal is to have more in retirement, which means more shares of SCHD, which should translate to more Dividend Income. TIA.

[@ozmeks86]

with 50k youd get like $2,082 per year in dividends. hows that beating any job

[@JerryRomineStocks]

Please to to 09:14 in the video and tell me what the principle balance would be. Annual dividends? 🎤 drop.

[@asterisk911]

One thing I rarely see these kinds of videos- dividend-related or just stock/ ETF- related engage with is whether there is even slightly a reason to think that the future will resemble the past. The past 100 years of returns have been based on EITHER growing populations with replacement reproduction birthrate OR borrowing against future consumption. And of course there has been a substantial redirecting of income from labor to capital. But the global- repeat, GLOBAL- birth rate is declining and is very close to falling below replacement reproduction. To put it crudely: will people who are never born nevertheless grow up to drink Coca-cola and shop at Walmart and all the other things that go into increasing dividends? Or is it possible that people who are never born will turn out not to buy consumer goods (and, for that matter, not pay taxes necessary to service global public debt)? I mean... people making videos about investing should at least PRETEND to have thought about this issue.

[@rickw3243]

I think it’s a good bet that the major consumer companies that have dominated the market yesterday & today will continue to evolve & be major companies well into the future. For example, Coke & Pepsi have dominated the market for over a century & are still going strong.

[@fendermon]

How does one determine the global population is not growing? Thanks

[@ygbodybuilder3023]

Schd is at its highest right now its not a good time to out money into it

[@jimknarr]

SCHD sucks. Can't even come close to keeping up with SPY since 2022.

[@JerryRomineStocks]

The Schwab U.S. Dividend Equity ETF is all about dividends an is your go-to for dividend income and a bit more stability, while SPY is the superstar for broad market exposure and growth potential. Both have their own strengths, so it really depends on your investment goals and risk tolerance.

[@chayah]

at current return with dividend its only 3.x% return, i can get a 5% return from a Credit Union CD.

[@soxbeatcubs]

Would this be a safer investment than an S&P 500 index fund to invest ALL of your nest egg into and just live off the income yearly?

[@JerryRomineStocks]

SCHD is more conservative and with an emphasis on dividends where the S&P 500 is more tech heavy. Two different approaches depending on your risk tolerance and approach to investing. FYI: I have both in my portfolios.

[@soxbeatcubs]

@@JerryRomineStocks thanks for your response

[@Biggsneeky]

Mr. Jerry, what would 50K in ET (Energy Transfer) which pays a dividend around 8.34% per Google Finance look like in your "One Stock/ETF/Ticker" scenario? Curious minds want to know? 😉🤔👌

[@JerryRomineStocks]

Offhand I am not sure because we'd have to research the dividend history to plug in the right numbers. But, you should be able to follow the same steps I show in this video to run the numbers; this is a good exercise to know how to do it as well. 🙂

[@windborneoracle]

You have great content, but I hate your bullsh*t click-bait title. After 30 years, you could have $46k in dividends plus 4% annual withdrawal. That's about $73k. But you have to account for 30 years of inflation, so that $73k is barely $40k in today's economy, and at that point, you're about to (or already have) retired. The current average individual income in the US is $60k according to USAToday.... and you want to replace that with $40k? I love the content, but I'm giving you sh*t about the title of the video. I would expect more honest titles if i'm to watch your videos going forward.

[@JerryRomineStocks]

Thank you for your feedback and for appreciating the content! I understand your concerns about the titles. Titles need to draw attention and encourage viewers to click and watch, which is crucial for the growth of the channel. However, I always strive to ensure the content is valuable and delivers on the promise made in the title. If you look at the total sum (principle and ongoing dividends) of what is accomplished in 30 years you don't think that would be enough to live on comfortably?

[@windborneoracle]

Good morning. I understand the pressure for a "catchy" title, but I still feel it's a bit misleading. Like I said, regardless of the title, I do like your content and I commend you on your efforts to inform your audience about the power of investing.

[@marcusharrigan6879]

SCHD is more glamorous in a flat market, but it is a position I maintain consistently.

[@JerryRomineStocks]

😀😎😆

[@arbocorp]

Could you please discuss the tax implications from an ETF as opposed to a similar index fund?

[@dennis6325]

If the economy is only expected to grow at 3.8% a year over the long-term, I am not sure how 8 percent is "conservative". I hope it's 8%, but I wouldn't count on it.

[@nn-db4fw]

Your econominy in USA is having stagflation and many high profile investors predicts it will be a crash in the stockmarket worse than the great depression in 1930's. What then? 50.000 USD flushed into the toilet? Whats your idea about this; what would happen to the SCHD if the US stockmarket crash?

[@DuhIdiotMoney]

Which, I wonder, is worse: a snowball's chance of not melting in hell, or its chance of not getting shoved down a hill in a financial KZbin vid? 🤣

[@nelsonamaya3937]

Yes, the explanation is very well done. As I was listening to the end-state of the investment plan, and the brake down & calculations as you explain the investment approach, is excellent.

[@JerryRomineStocks]

Thank you. I'm glad the explanation helped.

[@sxsignal]

I’m 52 and have $37k in SCHD in an IRA that I changed out from an older mutual fund that wasn’t performing. Sadly, I make too much to contribute to an IRA now. So… figuring 10 years of growth won’t get me much

[@richiejj3126]

Hi! Im 25 years old. I am holding 50k of VUG and 50k of SCHD. Both adds up to 100k. Is it good enough for my long term investments? Thank You

[@GS-mt6zr]

now adjust for inflation, you won't be making a living with that money 30 years later.

[@narayanana6159]

So far I’ve accumulated 275 $SCHD. Still long way to go.

[@JerryRomineStocks]

You're on your way.

[@millionairesdreamassociation]

I have 5 shares of SCHD

[@ToddCrommett]

all time high stock prices and short term fixed rate investments are yielding over 5 percent, no brainer, CD's are the value play for the foreseeable future

[@GCInvesting]

SCHD is truly the best there is!

[@JerryRomineStocks]

Depends on your goals. But for dividends it has a long consistent track record.

[@randalldellwo6365]

Why not pick your own div growth stocks? These companies have almost never lowered their dividend: VZ, HD, BBY, IBM Currently paying: 6.7%, 2.69%, 5.01%, 3.97% Forward growth is amazing.

[@JerryRomineStocks]

If you can outperform SCHD (or whichever one you are considering) then by all means pick your own. Many prefer the convenience of having an ETF that is managed.

[@jeffdavis510]

Good video. Thank you for sharing. I’ve been accumulating schd for a few years. Currently at 25k and plan to go to 50k over time. It would be good to have a follow up video that shows different scenarios. For instance, what happens if you keep adding money to schd at different rates?

[@JerryRomineStocks]

Jeff, just run the numbers you want with the calculator. Easy to do.

[@510wn]

This aweful. Buy a cash flowing business for a better return. Notice no one is offering 800K upfront and for $600 monthly payments?

[@JerryRomineStocks]

True. But, the 50K is all you ever invested in example from the video.

[@lbjoshbal]

I think something weird is happening in the US stock market. Maybe the Feds are trying to make sure we can’t beat inflation so easily. These ETFs are not looking so hot compared to 10 years ago. I wish wasn’t late to the game.

[@JerryRomineStocks]

Markets go up and markets go down. Throw in a pandemic and how do you expect things to look. SCHD is up 43% in the last 5 years.

[@KingAlfredTheChad]

Yes, because I make less than $300 each quarter on my full time job 😂

[@Just_BRod_]

Towards the end, you said you can put $50,000 into a Roth IRA but that is not correct Due to its annual limit, set by the IRS. You would have to spread your $50,000 Over several years. 🙄🤦🏽‍♂️

[@JerryRomineStocks]

You can use what is called a back door Roth IRA. Check with your CPA or financial advisor. :)

[@yankeedoodle6293]

Hi Jerry, I signed up to your patreon last week, but can’t seem to link in and join. Please help. Thank you

[@JerryRomineStocks]

We've got to get you setup and in the Discord. Send me a PM in Patreon and we'll get things sorted.

[@davidomar742]

wth are you gonna do with 50k income in 30 years? you can't even live off that today. You need way more than that to survive 30 years from now. very click bait title

[@JerryRomineStocks]

*Did you even watch the video. Not only will you have the 50K in dividends you will have $1,029,183 in principle.* 🤔

[@thesavagedonut698]

$46k a year most likely isn’t enough to live on comfortably. With inflation, $60k in 30 years is like $45k today. I would close my position in 30 years and get into QYLD instead of sticking in SCHD for dividends.

[@mircea_h]

@@thesavagedonut698 2% is target inflation rate, so 30x2 in the ideal case, normally inflation compounds etc so less than half, more like a quarter in same buying power

[@smithbry2000]

I honestly don't get the fixation with SCHD. Meanwhile, SCHG has beaten the S&P for the last 10 years and no one talks about that.

[@JerryRomineStocks]

SCHD is your ticket to steady, reliable income with low-risk, dividend-paying large-cap U.S. stocks. It’s the perfect play for retirees or anyone wanting a calm, predictable ride. Now, if you’re a thrill-seeker hunting big rewards, SCHG is where the action is. It’s packed with high-growth potential in sectors like tech and healthcare. Go for SCHD for steady income and peace of mind, or choose SCHG for explosive growth and adrenaline-pumping returns, albeit with more risk.

[@123lowp]

If you back test a portfolio that is a 50/50 split of SCHD and SCHG, you'll see that the portfolio slightly outperforms the S&P 500 index while having a combined yield around 2.1%. SCHG is a great growth ETF also.

[@JerryRomineStocks]

😀😎😆

[@nathanchristie6532]

I personally love how you’re being conservative with the numbers! I can’t stand when people use the year to date return or a 5 year return to predict the growth of the funds by like 15% over a 30 year span! It’s not realistic! Great job!

[@JerryRomineStocks]

Thanks @nathanchristie6532. 👍

[@nadonadia2521]

Great video, but what about inflation during 30 years, if we consider 3% inflation then $60000 will become $60000/(2 power (30))=$60000/2.43=$24719 of today. You have to calculate $60000*2.43=&145800 in order to afford the coast of living in the next 30 years.

[@JerryRomineStocks]

Got a trick to beat inflation? I'm all ears. And don't forget about your SCHD stock value. You can use that 4% rule to maintain your lifestyle.

[@RoughneckSportsCards]

So is it SCHD or JEPQ?

[@JerryRomineStocks]

*Both serve their purpose* . SCHD is more conservative with less risk. JEPQ is more aggressive and has more risk. I prefer JEPQ and am OK with the risk tolerance. BUT, doing these videos forces me to take hard looks at the numbers and I will be adding some SCHD to one of my retirement portfolios.

[@kvirzi]

who has 30 years haha

[@JerryRomineStocks]

Hopefully you do. But if not maybe you could leave it to your heirs. Or, just spend it all today and party like a rockstar!

[@enlat2003]

Hopefully those in their 20's will take this approach as most people do not have the ability to place 50k into a 30 year investment.

[@JerryRomineStocks]

😀😎😆

[@Caveman787]

So a return similar to investing in the SPY like everyones retirement does....

[@Andy-is]

I read that the projection for Schd is 6 % from EPS and 4% by dividen and 6 % CAGR going forward and growth has slowed down with the reconstitution. What are your thoughts on this projection by factsheet?

[@JerryRomineStocks]

Thanks for bringing this up, here's my take: First, SCHD's dividend yield remains strong at 4%, which is a solid return in the dividend world, especially in a low-interest-rate environment. The 6% EPS growth projection is also quite respectable. Combine these with a 6% CAGR, and you've got a fund that's still delivering reliable performance. Yes, growth might have slowed, but SCHD is known for its stability and consistent payouts. It's not always about explosive growth; sometimes, steady and reliable wins the race, especially for long-term investors looking for both income and growth.

[@mrbeanbest4886]

First 😊

[@JerryRomineStocks]

Yes you are!

[@jayc4715]

I like JEPQ better

[@JerryRomineStocks]

Me too. But I own them both.

[@tomkmiceman509]

Does SCHD have checkwriting priviledges? I know Scwab has a bank.

[@JerryRomineStocks]

For the stock accounts not that i am aware of but I believe you can wire for no charge. I'm still getting used to Schwab.

[@kevinfestner6126]

Schd has an international counterpart, schy. For every 10 sh of schd, buying 1 sh of schy.

[@JerryRomineStocks]

Thanks. Appreciate the comment.

[@janean6512]

So Jerry $100k today How much per year in 7 years Can I expect for a monthly dividend

[@JerryRomineStocks]

Even better. Use www.marketbeat.com/dividends/calculator/ and follow this video so you can run your own numbers. It's easy to do and better when you understand the process and where the important data points come from.

[@WW-34]

I disagree with buying it in a tax advantaged account. Its dividends are favorably taxed by the IRS.

[@JerryRomineStocks]

Dividends earned in a Roth IRA are not taxed. As long as the funds remain within the IRA. Why do you prefer doing it in a taxed account?

[@chicago9458]

Fake news

[@JerryRomineStocks]

Thanks for the feedback! If only facts were as easy to make up as your comments. 😉

[@HenryBleach]

Why would you do this on a retirement account if your focus is on dividend? You will not be able to use to dividend until you retire.

[@JerryRomineStocks]

In a retirement account your funds/dividends can grow tax free (Roth) or tax deferred. But, you should do what is best for you.

[@123lowp]

From 2013 to 2023, SCHD dividends increased an average of 10% per year.

[@JerryRomineStocks]

✌😊👀✔

[@Chronos9111]

How do you invest 50k into Roth IRA when it is capped at 6500/year? Am i missing something?

[@JerryRomineStocks]

1. If you already have 50K in a Roth IRA it's easy. Or, 2. Investing $50k into a Roth IRA is possible with a "Backdoor Roth IRA" strategy. This involves contributing to a Traditional IRA and converting it to a Roth IRA, a legal workaround for exceeding contribution limits. However, it's intricate, involving specific tax implications, so consulting a CPA is recommended to navigate this path effectively and ensure compliance with IRS rules.

[@jamescc2010]

Calculator is cool tool to motivate us to save and invest in different ETFs.

[@JerryRomineStocks]

😀😎😆

[@dretrades2]

Don't forget to ad "in 30 years" to your title

[@coolramone]

50K IN SCHD IS ALL YOU NEED (plus 30 years)

[@JerryRomineStocks]

😎

[@JosephDickson]

Meh, just invest in the entire market.

[@PCInvesting]

30 years?!? 😂 Will you, or most of us be alive in 30 years to reap the benefit’s?

[@JerryRomineStocks]

I'm 53 and plan on making it to 100. But, if I meet my demise early then my estate will reap the benefits. What more could I ask for?