The Life Changing Potential of Investing $100,000 in SCHD | Charles Schwab

[@RaymondKeen.]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.

[@ChristianKelv]

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

[@HectorWhitney]

True. Having the right financial planner is invaluable. My portfolio is well-matched for every season of the market and recently hit 90% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till 2025.

[@JohnSmith060]

I'm intrigued by this. I've searched for investment advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation??

[@HectorWhitney]

“ Sophia Maurine Lanting is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.

[@HectorWhitney]

My CFA Melissa Terri Swayne’, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@Richardcarlett]

VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.

[@DallisonScramosin]

I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.

[@Martina-Alan]

ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!

[@SladeCirrincione]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advisor? I'll be happy to use some help.

[@Martina-Alan]

Vivian Jean Wilhelm a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@Martina-Alan]

She goes by Vivian Jean Wilhelm a renowned figure in the financial industry with over two decades of experience. I'd suggest you research her further on the internet.

[@Dollrnri]

SCHD or SCHG which is a better buy right now? just got my lump sum inheritance and would love to put my money to work, so i can earn in dividends, i'm also looking at paying mortgage where rates are not so high.

[@AddilynTuffin]

Both are crap for dividends.

[@gregorywhem]

SCHD is more valuable than SCHG as of now, though many people perceive it to be a bubble

[@ProsperityPulsePoint]

Great question! Both SCHD and SCHG have their merits. It really depends on your investment strategy and risk tolerance. Make sure to research their performance and consider your financial goals!

[@PauleAraiza]

I love SCHD and currently own 2604 shares. I regularly buy more shares, but I also invest in growth stocks/ETFs. Right now, I focus on growth, but I plan to switch to dividend-paying value stocks/ETFs eventually. It’s advisable to engage guidance for a well-diversified portfolio instead of relying solely on speculations. That’s what works for my spouse and I. We've made over 80% capital growth minus dividends.

[@sledgeyyyyy]

I’ve managed investment portfolio for 10 years. Initially, it performed well, but recently, it has been losing money. I need to find a way to stop these losses and start seeing growth again. How can i reach this advisor?

[@Beatricegove733]

Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!

[@foden700]

Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?

[@KaurKhangura]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@NoorJari406]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@KaurKhangura]

Her name is. '’Aileen Gertrude Tippy’’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@NoorJari406]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@MikeRepluk]

wow another SCHD video, how unique

[@ProsperityPulsePoint]

I know, right? SCHD has been such a hot topic lately! There's always more to discuss and explore.

[@sheldongardner3150]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years

[@kingcastro-s1p]

Your allocation seems well-diversified. To take it to the next level, explore dollar-cost averaging and dividend reinvestment. However, it's essential to consult with a financial advisor to create a tailored plan aligned with your unique goals, risk tolerance, and retirement timeline.

[@clementdan9417]

Agreed, many individuals have a 'do-it-yourself' mentality but lack the necessary expertise. Financial advisors are ideal representatives for investing, and I can attest to this. Since covid-outbreak to date, my portfolio has grown by over 330%, reaching nearly $1m.

[@richarddamien4654]

Huge! would you mind revealing info of your advisor here please? in dire need of portfolio rebalancing

[@waldenharvey1278]

The first day SCHD is positive in your IRA, sell it and focus on growth stocks. SCHD is a great retirement fund once you have a lot of cash. It's what an annuity should be. Pay you consistently yet doesn't F you in so many ways like the annuity... 50 SCHD, 25 JEPI (less year over year growth but pays out much more to increase your income), 25% rock solid single companies paying consistently monthly or quarterly. Earns you income, and you don't touch much or any of your million. Dividends don't get you to the finish line fast enough, they ARE the finish line.

[@ProsperityPulsePoint]

It sounds like you have a solid investment strategy in place! Diversifying your Roth IRA and 401k is crucial for growth. Stay informed and keep an eye on market trends to maximize your potential!

[@SaraNisha1]

I'm just starting to invest and keep hearing mixed opinions on asset allocation. Some say ETFs and index funds offer great broad market exposure, but I’ve also heard they include underperforming stocks that could dilute returns from stronger performers. Since my goal is to retire early, I’m not sure if I should be more selective with my choices now, or if I’m just overthinking it

[@MichaelJaw-hv9uu]

I’m nearing retirement myself, and I had similar concerns. I started investing later than most, and just relying on ETF compounding wasn’t cutting it for me either. After working with a financial advisor, I managed to restructure my investments and am now on track to retire with around $4 million. If I hadn’t sought advice, I doubt I’d be as confident in my plan right now

[@SaraNisha1]

I’m trying to figure out the best approach for my portfolio. How did you find your advisor? I feel like I need that kind of guidance

[@MichaelJaw-hv9uu]

I usually steer clear of recommending specific people because financial needs are so personal. But I can say that working with Emily Ava Milligan has made a world of difference for me. I noticed her strategies are tailored to fit personal goals and make sense for different needs. It might be worth exploring to see if her approach resonates with you

[@SaraNisha1]

Thanks for that. I did a quick search and found her page. I was able to email so I sent over a few questions to get more info. Appreciate you sharing

[@ProsperityPulsePoint]

Ah, the classic dilemma of investing! It's like choosing between a buffet and a gourmet meal. Sure, you might end up with some mystery meat at the buffet, but hey, at least you get to try a little bit of everything!

[@RonnieWine]

I think at this point i need a help. Because My concern is whether I can continue to sustain my standard of living with $550k and avoid outliving my savings. Every withdrawal makes me a bit unsettled

[@ProsperityPulsePoint]

It's completely understandable to feel unsettled about withdrawals. It might be a good idea to consult a financial advisor to help you create a plan that ensures your standard of living remains sustainable.

[@MichaelGabreil]

I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.

[@RonnieWine]

@@MichaelGabreil It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging

[@MichaelGabreil]

@@RonnieWine luck plays a part, especially in the short term. I noticed that when results remain consistent, it indicates something more than just luck. research was the challenge until It led to Julie Ann Lerch, a fund manager. her strategy made sense, it contributed to growing 650k into this and counting

[@MichaelGabreil]

@@RonnieWine luck plays a part, especially in the short term. I noticed that when results remain consistent, it indicates something more than just luck. research was the challenge until It led to Julie Ann Lerch, a fund manager. her strategy made sense, it contributed to growing 650k into this and counting

[@VivekLuna]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family...

[@ЕленаФирсова-ц6м]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.

[@VivekLuna]

@@ЕленаФирсова-ц6м Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. MARGARET MOLLI ALVEY, a licensed fiduciary whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help.

[@ЕленаФирсова-ц6м]

@@VivekLuna Oh please I’d love that. Thanks!

[@VivekLuna]

@@ЕленаФирсова-ц6м MARGARET MOLLI ALVEY , lookup with her name online.

[@ЕленаФирсова-ц6м]

@@VivekLuna Great , i will do that now . Thanks for sharing

[@scottpaxton8334]

Very nice information on SCHD, as I recently started to invest in this ETF.

[@ProsperityPulsePoint]

I'm glad you found the information helpful! SCHD is a great choice for long-term investing. How has your experience been so far?

[@scottpaxton8334]

@ProsperityPulsePoint well, to mention I was looking over some ETF's, as I started on SCHD on the 15th of October 2024. Just a highly valuable opportunity. After, I have acquired several or many different stock symbols, zi figured I would add another ETF, which makes 3 total so far. Note ETF TQQQ, I have held for about 2 to 3 years and have 90% gain though with a quarter investment, nothing big.

[@scottpaxton8334]

@ProsperityPulsePoint so my objective approach to SCHD, is to add to the ETF on a daily basis, as I believe this my be a different approach. Though a little math with a target monthly investment, split throughout the month idea. Your Thought's?

[@rd9102]

Great video, great information. I recently put a slug of money to work from an old 401k that i moved into an IRA 8 years ago (my bad for keeping it in cash) and i dumped that whole slug into SCHD as i am confident in where it is going over time.

[@ProsperityPulsePoint]

Sounds like you’ve turned that cash potato into a money-making machine! Who knew slugs could be so ambitious? Keep that momentum going!

[@Roger-il8iw]

I do a mix of SCHD, SPHD, RITM, and a few other reits for my dividend portfolio. RITM is my all time favorite dividend stock. SPHD’s monthly payout is huge for compounding over time. It’s best to mix several of these funds.

[@ProsperityPulsePoint]

Wow, you’re like the DJ of dividend stocks! Mixing those funds for the ultimate payout playlist! 🎶📈

[@toddc3135]

So far SCHD has not been live-changing yet. Surprisingly, it has added volitity to my dividend portfolio. Dividend yeild is higher than inflation, which is a plus. It really depends on how you want to approach living off of your investments. Soon the markets will turn next year after the elections are over and we get through the January effect stuff. I have the feeling that it will pay a dividend, but no growth in this until midterm elections. Wait to buy it at a better entry price. From what I have listened to in this video, it feels like spam to me.

[@ProsperityPulsePoint]

It's interesting to hear your thoughts on SCHD! Market volatility can definitely be challenging, but keeping a close eye on dividends and waiting for the right entry point is a smart strategy. Let's see how things unfold after the elections!

[@billybui1487]

I don’t think people realize that this video just shows what the return would be on $100,000 with reinvested dividends. Imagine if you calculated all that on top of consistent monthly/yearly investments. This would make the compounding effect way stronger thus potentially adding multiple M’s to your portfolio depending on the monthly/yearly investment amount.

[@ProsperityPulsePoint]

You’re absolutely right! The power of reinvested dividends combined with consistent investments can truly transform a portfolio over time. It's all about playing the long game!

[@ProsperityPulsePoint]

Haha, you’re basically a financial wizard! If only we could sprinkle some magic compounding dust on our investments, right?

[@mr_gunn3150]

You might half to do another video SCHD just announced a stock split which dosnt really matter but to your viewers it might help them

[@ProsperityPulsePoint]

Another video? Well, I guess I can split my time between that and other content! 😂 But seriously, I'll look into it!

[@thereallyrichone]

I have to pay 30% withholding tax for the dividend received. Does it still make sense for me to invest in this ETF, in your opinion?

[@ProsperityPulsePoint]

Well, if taxes were a person, they'd definitely be the one showing up uninvited at the party! But seriously, if the ETF has solid growth potential, it might still be a good option despite the tax.

[@blueline_raptor]

Also I believe the dividends from this ETF are qualified dividends and are only taxed at 15%.

[@thereallyrichone]

@@blueline_raptor I am not a US resident so the tax is a flat 30%.

[@kerrydaniels8460]

​@@thereallyrichoneDo you have tax sheltered retirement account options in your country?

[@kagors4491]

Only in a roth ira. Goal. Get everything you can into A roth. 911

[@cameron2467]

Do it in a roth ira

[@ProsperityPulsePoint]

Do it in a Roth IRA? That's like saying, "Eat your veggies!"-we all know it's good for us, but sometimes we just want pizza!

[@Ozymandias-r2v]

Anyone with money worth investing doesn't qualify for a Roth unless they are doing a rollover. Even then it rarely makes sense.

[@ben3989]

@@Ozymandias-r2vhow?? 10’s of millions have enough to max out their 7k limits.

[@Ozymandias-r2v]

@@ben3989 If you make more than 240K (married) or 161K (single) you are not qualified to have a Roth. You can only do a traditional and you have to pay taxes on that. The only advantage being that any money made in it can be tax deferred.

[@aLittleStrengthRev38]

This video ignores the drag of taxes and the IRS.

[@ProsperityPulsePoint]

Ah, the IRS-the ultimate party pooper! But seriously, they do love to crash the fun, don’t they? Maybe I’ll do a video just for them next time!

[@Maverick7642]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

[@Charles43217]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

[@Thomas43211]

My financial advisor has been a game-changer, providing clarity and boosting my confidence in navigating finance. With their help, I've achieved my goals faster than I imagined. Highly recommend!

[@Christian67337]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@Thomas43211]

My CFA Aileen Gertrude Tippy a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

[@Christian67337]

@@Thomas43211 Thank you for saving me hours of back and forth investigation into the markets.. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.

[@reggie2261]

SMH etf CAGR >26% SCHD < 12%

[@ProsperityPulsePoint]

Looks like SMH is flexing while SCHD is just chilling on the couch! Time to hit the gym, SCHD! 💪😂

[@toddliveringhouse5808]

Prioritizing dividends over total returns is nonsense and anyone that understands finance and portfolio theory knows this.

[@ProsperityPulsePoint]

It's definitely a hot topic in finance! Many have different perspectives on the importance of dividends versus total returns. It's always great to have these discussions.

[@evanspiteri3576]

You're not sacrificing total returns with SCHD...It's been neck and neck with the S&P up until 2022. Dividends have contributed to over 40% of the S&P's total return since the 70s by the way. Not insignificant in the slightest.

[@HonestVirtue315]

This is prosperity pulse point?? This video animation and topic is covered by hundreds of other people, not original at all

[@ProsperityPulsePoint]

Thanks for the feedback! Guess we're part of the 'cool kids' club covering hot topics like these. We aim to add a unique Prosperity Pulse Point flavor to each video, even on the popular themes. But you're right, it’s time to sprinkle in some extra originality! Got any zesty topics or lesser-known gems you think we should dive into? Let me know!

[@mircea_h]

Not sure if my math is correct but sp500 had a 12.8 cage for last 10 years. If we compound 100k over 30 years you get 3.9mil When retiring I would go all in for schd has more stable income during bad times.

[@ProsperityPulsePoint]

Your math looks solid! Compounding can really work wonders over time. It's great to see you're thinking strategically about your retirement investments.

[@CabanaD]

Everyone over 30 shut this video off. It’s not for you.

[@ProsperityPulsePoint]

Haha, we appreciate your sense of humor! But hey, everyone is welcome to join the fun, regardless of age!

[@TheAzmountaineer]

I'm 70 - but this would be an option if someone my age wanted to put something in place for their kids or grandchildren. Things are just going to be tougher in 20-30 years. And, heck, I might make 90, myself.

[@DK-pr9ny]

1.81% 3 year average ouch..

[@ProsperityPulsePoint]

Ouch indeed! That number hurts more than stepping on a LEGO in the dark!

[@BTCforce]

lol, SCHD has a 3.3% yield. Maybe u can live off that paltry sum but I can’t. I would never buy SCHD

[@ProsperityPulsePoint]

Haha, well, if I had a dollar for every time someone said that about a stock, I might just retire on my own SCHD yield!

[@Ozymandias-r2v]

3.3% is actually too high. I would prefer it yield 2.5-3% with a better dividend growth rate but its really not bad. If you can't live off 2.5% divy a year you shouldn't retire.

[@evanspiteri3576]

@@Ozymandias-r2v The dividend Growth rate is amazing as it is with SCHD. I'm happy it has a higher starting yield as its rare to get that yield with a continuous 10%+ dividend growth rate.

[@DougSnyder-uh7rg]

Dividends are just forced stock sales. S&P500 has better total return. Reinvesting dividends means you have to pay taxes before you reinvest - you lose part of your reinvestment to taxes. You would be better off not selling your non-dividend stock instead of the forced stock sale and reinvestment of the dividend. If you really needed the income from your stock(s), you can just sell a small portion of you stock when you needed the income. This seems to be advice by and for people without advanced math skills.

[@ProsperityPulsePoint]

You make some valid points about dividends and the S&P 500. It's always important to consider the overall strategy that works best for your financial goals!

[@e.m.-lw1dn]

Rookie thinking.

[@MachinistNumbr7]

Boring. It's like the person who made this video just learned what a dividend is. 100k to 1.8 million in 30 short years? Hard pass.

[@ProsperityPulsePoint]

I appreciate your feedback! Investing can definitely seem dull sometimes, but it’s all about finding the right resources that resonate with you.

[@CE123ify]

If investing is exciting you’re probably doing it wrong TBH

[@MachinistNumbr7]

​@@CE123ify Look. This type of investment is acceptable for very old people seeking to protect wealth. But the way to *generate* wealth is to lever up. That means options and real estate. Look for stocks that are obviously going down, don't make any money. Like SPCE, DJT, LCID, RIVN, etc. Get some put options. There, I just turned that 100k into 1.8 million in a year, not 30 years. Or buy an apartment building with a bridge loan, kick out all the tenants, rehab, re-rent out at market-rates, refinance, boom. Now you have a free apartment building. With cost segregation analysis and 1031, it'll be tax free too. Drives me crazy seeing these 'investment' videos by people who don't know anything about investment, leading people astray.

[@Optimus-Prime-Rib]

OP dense

[@BenSmith-cm8oc]

What you doing that got you rich?