The simple path to wealth with dividend investing (based on your time horizon)

[@DividendGrowthInvesting]

Thanks M1 for sponsoring this video! Try M1 Finance: bit.ly/TryM1Finance How to transfer to M1: bit.ly/TransfertoM1 Instagram: instagram.com/dgi_jake/

[@michaelswami]

I love all your videos. Thanks for your thoughtful analysis. Any consideration of international investing? US equities have been ascendant for quite some time.

[@DividendGrowthInvesting]

@@michaelswami Thanks, Michael! Well if you invest into large US companies, by default you are getting international exposure. About 40% of revenue from the SP500 comes from outside of the US. In my opinion, If you wanted pure international exposure, I really like VXUS. I hold 10% of my Roth IRA in VXUS.

[@mr.domingues]

Do you get concerned with the plataforms where your portfolio is kept, and a potential lack of liquidity or even bankruptcy?

[@vasunseeker]

Does your investment choice mix vary between retirement investments (IRA, Roth, 401k) and taxable accounts, even with the same time horizon? Thank you

[@blueline7575]

Love your content! still got about 25 years to go, been doing SCHD, VOO AND SCHG split equally.

[@DividendGrowthInvesting]

Simple and straightforward. VOO and SCHG are great growth ETFs. You will have a lot of options to rebalance in the future.

[@stevethecat9194]

I love that you are emphasizing getting a look at the big picture historically. No one is really doing this. Certainly not the noobies.

[@dnah02]

I just opened up a Roth IRA I made a 4 ETF portfolio SCHD, JEPI, VYM, VNQ. I wanted to keep it simple and with ETFs I know have been consistently paying out.

[@DividendGrowthInvesting]

nice!!!

[@nahusharankar]

How about half SCHG and half SCHD? Overlap is almost none.

[@sergiogomezr]

Thank you for your honest advice..

[@TCV_Collectibles]

This is great! Thank you for a very clear recommendation, I’m in my 20s and love dividend investing so this really was helpful for me, because I feel like I have too many options! Personally I like VOO over VTI so I’m heavier there. I also like a little QQQ in my portfolio because I like tech and the growth potential there. I want to get my mix to QQQ, VOO, SCHD and DGRO or VIG. Haha still back and forth on DGRO or VIG but your video on that helped a lot too!

[@matthewszasz1895]

Hey Jake, something I'm curious about, but haven't yet modeled out. Feel free to use as a video idea if youd like. If someone had a longer time horizon (20+ years) before making income withdrawals from a Roth IRA: Would building a sizable position in Jepi to then reinvest that income into SCHD or VOO as a form of accelerating more contributions be a good idea or not. Food for thought...

[@SIMPLE_INVESTOR]

It’s so cool seeing a portfolio that big 👍

[@ethanshy280]

M1 is so fun to use! Congrats on the partnership! Channels like yours are why I transferred to M1.

[@DividendGrowthInvesting]

Hey Ethan! Thanks man!

[@Dividendology]

Great stuff as always Jake!

[@DividendGrowthInvesting]

Thanks man!

[@DigItProtea]

Your views are super helpful even as far away as south africa

[@DividendGrowthInvesting]

Thanks for watching!

[@scsu300]

This is fantastic! TY for creating this. 10-15 yr til FIRE. I'm currently at: 35% SCHD, 55% DGRO, 10% REITs

[@DividendGrowthInvesting]

Thanks for watching!! I like this. You don't get any exposure to REITs in SCHD or DGRO that is why they are a 100% qualified dividend. I like the idea of adding VNQ or another REIT ETF to get REIT exposure. Kudos to you if you can get the REITs in a tax advantaged account like a Roth IRA!

[@scsu300]

@@DividendGrowthInvesting TY for the reply. I'll take a closer look at VNQ. Fortunely, Unfortunately, our combined income is too high to contribute to a Roth IRA.

[@DividendGrowthInvesting]

@@scsu300 Well there is a way to get around that. The IRS allows for a "backdoor roth ira". I would suggest checking that out ;)

[@mrpewpewman7501]

you're such a memer, i love watching your videos! i wish you made videos every day

[@LifeInvestor999]

Thanks for explaining Jake. I'm 50/50 with SCHD and VYM. Thinking about adding DGRO. BTW love the throw back MY chocolate into Your peanut butter commercial... LUV IT!😄

[@DividendGrowthInvesting]

lol you got chocolate in my peanut butter!

[@oshawattsplash7218]

Jake, I was just thinking about this exact investing strategy. Good work!

[@DividendGrowthInvesting]

Sounds like great minds think alike :)

[@surmanator89]

Cheers Jake. Your prowess is showing! Congrats on the sponsorship!

[@DividendGrowthInvesting]

Thank you so much!!!!! I really appreciate you saying that!

[@hallpaintandbody7717]

I like the idea to invest into a few stocks. Watch them grow faster, instead of too many stocks to keep up with.

[@DividendGrowthInvesting]

Same! I feel like more of a shareholder that way!

[@Wrex327]

I own about 10 stocks, where 2 of them are typical cyclicals that I will try to dump at the right time. 8 of them I am planning to hold forever and I am really struggling to find another stocks to add! I wonder how people build big portfolios.

[@hallpaintandbody7717]

@@Wrex327 I've seen someone with 100 different stocks, maybe 25. That's what I was thinking about.

[@didokbrawlstarsgaming7607]

Hey my friend I can retire at age 30 with a 100k portfolio with dividend is awesome thank you

[@travismartinson1813]

I like SDY with SCHD. SDY has a higher dividend growth rate, more holdings and a more equal weighting of holdings. SCHD has the higher dividend and lower expense ratio. I don't like DGRO as much because of their large AAPL and MSFT holdings since I have those covered already in my growth allocation.

[@DividendGrowthInvesting]

Hey Travis! If you already have AAPL and MSFT, I can understand why you would want to go with a different ETF than DGRO. That makes complete sense.

[@Ramunetrades]

i live in japan and i cant buy SCHD or DGRO, but i can buy DGRW/VYM, would you recommend composing a portfolio of VOO/DGRW? if it suffices, if i were to add a third position, what would you recommend? i am 30 years old.

[@_Oilspill_]

My favorite video from you so far :)

[@DividendGrowthInvesting]

thank you!!!

[@kellicia7659]

This is great info! Thank you. QUESTION, if you have both a Roth IRA and a 401K match, how do you differentiate the two different accounts? Meaning, do you invest in the same Dividend ETFs like you showcase in this video or do you have different things in each account to diversify your portfolio even more? THANK YOU!

[@joel4623]

Hey Jake! I'm just about to start my dividend journey. I'm 37 with a time horizon of 20 years. I have a 401k through my work and I just opened a Roth with Fidelity. After fully founding the Roth I will be left with about $50.00 a week which I will put in my M1 Taxable account that I just started. Here are my picks. Roth SCHD=75% IKBWY Invesco Premium Yield Equity REIT ETF= 5% O= 5% DLR= 5% AMT= 5% ARCC= 5% M1 Taxable Account DGRO= 29% VTI= 15% APPL= 5% MSFT= 5% SYK= 5% PEP= 5% SBUX= 5% LOW= 5% WM= 5% NEE= 5% ABBV= 4% PG= 4% TGT= 4% MO= 4% Any comments would be greatly appreciated as I haven't started buying but will soon. Love the channel thank's for all the work you put into these videos they really help a lot of people out.

[@julianf40ify]

Nice video jake been doing the planet and satellite approach as previously done in one of your videos having SCHD DGRO AND VOO as the main planets with stocks such as Apple MSFT KO PEP etc etc are small holdings of 3% to keep them small enough to where the rest just goes to the planets

[@DividendGrowthInvesting]

nice! I really like that approach!

[@stringbeans8]

Love it have same exact portfolio

[@robertdw1998]

40% DGRO 40%SCHD and 20%SCHG!! Simple path to wealth 🎉

[@DividendGrowthInvesting]

nice!!!!!!!!!!!!!!

[@silverfox6856]

My dividend stock portfolio dividends returns 6.8% per year ($24,000/year).This is double or more than SCHD and DGRO plus would need more than double the money than what I have in my dividend stocks/ETFs. I also have some growth stocks for appreciation and once they hit my target price will sell some and put more in dividend stocks. It does take time but I am OK with that.

[@Richb711]

I have the same two ETFs and invest the rest into individual stocks that I think could do very well over the long term. Can't remember exactly why I choose those two ETFs, but nice to see I'm not alone. Nice to get some broad exposure.

[@DividendGrowthInvesting]

Sounds like great minds think alike :D They are really good!

[@dannyspiker1549]

Just the info I needed!! Thank you!!

[@6laka.]

I know this is an older video but using similar comparisons I came to choosing VIG over DGRO to pair with SCHD

[@DividendGrowthInvesting]

Both good options.

[@supersteve8305]

Congrats on M1 seeing your value. SA and M1, you are crushing it. Here is another easy peasy way to grab the market and lean towards dividends as one ages. Your age in years invested in SCHD. 100 minus your age in SCHG. Rebalance with new money. As you age, you gradually switch from growth to dividends. I really enjoy your channel.

[@DividendGrowthInvesting]

Hey Steve! Thank you so much for taking the time to comment this!! I like your approach with the 100 minus your age!!

[@deralhutchinson299]

Hello James, how do you feel about SCHD and SCHG combination instead, is that camparable?

[@DividendGrowthInvesting]

I like it. Just keep in mind SCHG is for growth and it will be difficult to live off the dividend, so you will most likely need to rebalance your portfolio in the future.

[@keithlamar85music]

Whats your recommended type of account for a dividend portfolio? Roth or Taxable brokerage?

[@RealKimJungUn]

Great video!!

[@DividendGrowthInvesting]

Thanks for watching!!

[@isaiahkassy2615]

might be a dumb question but would DIVO DGRO SCHD VOO be a good balanced portfolio? JEPI and JEPQ you have the tax issue but higher monthly pay out per share but DIVO pays a monthly and is only 36$ a share and O realty income is monthly but $60 a share. Or am i looking at this wrong?

[@DividendGrowthInvesting]

Hey! You could add DIVO and VOO to DGRO/SCHD. I personally wouldn't look at the share price itself as a consideration because most brokerages offer fractional share investing. I would bucket these based off of the following: Tax efficiency Current dividend yield Dividend growth

[@isaiahkassy2615]

@@DividendGrowthInvesting I see thanks! i just thought i could get more shares for the same price of another but you have a point. Im taking the turtle approach to investing by investing 15% of my pay and any overtime moneu along with using options trading to make profits and just invest whatever gains i get. thank you for taking the time to make these videos they are inspiring and very informative youre a blessing brother wish you the best!

[@brian4284]

My Roth is 90/10 SCHD/JEPI. I’m viewing JEPI as a bond alternative and purchasing more shares of SCHD every month with the income from JEPI. What say you?

[@TortoiseInvesting]

Have you looked at SPGP? It's beaten the S&P 500 Ober the 1 years, 3, 5, and 10. It's got a good basket of stock holdings in it, and pays over 1% divided.

[@DividendGrowthInvesting]

I haven't! I'll check it out.

[@TortoiseInvesting]

@Dividend Growth Investing let me know what you think! I'm currently doing a 50/50 split with SCHD and SPGP, totaling 38% of my portfolio, I want to get that to a nice even 40% then the rest regular holdings ranging 5%-8%.

[@stephenlupi4547]

Retiredat59. SCHD 35%, SCHY 15%, DIVO 20%, JEPI 15%...Individual stocks 15%.

[@DividendGrowthInvesting]

I like that!

[@A_man_not_your_man]

Excellent video as always! I've been considering reallocating my positions as the market may be headed towards the red again. This helped clear my path towards wealth, much appreciated!

[@DividendGrowthInvesting]

Glad to hear the video was helpful!

[@chowder9576]

Do you have any advice on what dividend portfolio to have for 20+ year time horizon if I already have VTI in my lazy 3 fund sub-pie? Should I keep VTI (in both pies)? Or just keep DGRO/SCHD in my dividend pie?

[@DividendGrowthInvesting]

I could see a case for either way. I would suggest keeping it simple where you won't be tempted to change things every year.

[@Jakeofalltrades777]

My current set up is 50% VGT , 40% SCHD , and 10% MO. It probably sounds crazy to own that much Altria group but I couldn’t resist buying alot of it in the low 40’s . Probably going to only add to VGT and SCHD over the next 20 years but I want to let those Altria shares compound as well on their own.

[@DividendGrowthInvesting]

Well at least you are getting the best tax treatment with all of them being 100% qualified.

[@ibraheemaziz279]

Hi, is M1 finance available in the uk, im new to this and was wondering.

[@xristospexlivanis7703]

Hello sir keep going except M1 any other suggestions for europian Investors im in trade republic and is kind of poor of details..im sorry for this question but is Great your app

[@MarioChapa-m7d]

Hi jake if i go 50/50 dgro and schd, can i add a couple of single stocks without affecting the yield in the next 15 years?

[@rythemsold]

Love your videos. Simple to understand. Totally cracked up watching the toddler (again...lol). You always make my day! I learn a lot. Good suggestions to follow a stress free path to investing. Thanks!

[@DividendGrowthInvesting]

lol that baby in peanut butter!!!! So glad you enjoyed the video, Terri!

[@rythemsold]

@@DividendGrowthInvesting I do have a question. Is Jepi a risky ETF? I always cringe with worry when I hear the word, coverd calls. Thank you.

[@DividendGrowthInvesting]

​@@rythemsold Every investment comes with risk. In this case, you have to define risk. The risk with JEPI is the upside potential. This ETF is focused on generating income and it does a very good job at that. If the market were to go up 30% in a single year, you would not see the same growth with JEPI. That is why you diversify. You dont put all your eggs in one basket. You would also want to invest into ETFs or investments that give you upside potential. Think of it like a trade off with JEPI. You get income, but forfeit a lot (not all) of the growth in bull markets.

[@tstarmanqaz]

Thoughts on 50% DGRO & 50% VGT for long term? Curious if you think VGT dividend growth will continue with $MSFT and $AAPL. I kind of like the strategy….

[@DividendGrowthInvesting]

Hey Tim! The only way I would suggest VGT is if you have a VERY long time horizon, e.g. 20+ years and you plan to have a multi-million dollar portfolio or you plan to sell VGT in the future and reposition into something else. For example, 40% of my Roth IRA is in VGT. I plan to sell VGT in around 25 years and reposition into high dividend stocks/ETFs at that point (or even buy a house, fund a large expense etc..).

[@amirsinno5833]

Thank you for your informative video. Would you include an international dividend etf for diversification.

[@DividendGrowthInvesting]

Well about 40% of the SP500 revenue is from outside of the US so you instantly get international exposure there. If you wanted to add international exposure, I really like SCHY, VIGI, VYMI and VXUS which is not focused on the dividend it would be more like VTI.

[@goodsir7298]

From a risk return relationship after 20 stocks of American companies or 18 if you mix internationally there is a negligible change in diversifying further. Even if you invest in like 2000 companies vs 20 the difference in risk return is roughly 2-3%. Obviously this method implies that all 20 of your American companies are not in the same industry like oil and gas

[@DividendGrowthInvesting]

Interesting! If I'm not mistaken, about 40% of the SP500's revenue is generated outside of the US.

[@goodsir7298]

@@DividendGrowthInvesting i don't know the number but I would believe you. When I went to Poland and the Czech Republic on vacation I saw america everywhere from apple to McDonald's, to FedEx it really was interesting

[@takeshii]

I have 100 voo in my Roth IRA. 50/50 schd and vym in my taxable account. I think a long time horizon 10-20 years. I'm 34 and just started investing because I finally got a real job. Should I switch out vym for dgro?

[@DividendGrowthInvesting]

In the video, I compare the performance of DGRO/SCHD and DGRO/SCHD/VYM. There is not a massive difference between the two. It really is up to you. I would suggest researching these ETFs a bit more and understanding the fund methodology of each before making a final decision on what to do with them.

[@BobBob-vx4ck]

There's a price difference for all of these different shares. It's absolutely awesome that so many people are such fans of vym but the reality is some people might only be able to afford one share of dgro. Anyways great video always enjoy watching

[@DividendGrowthInvesting]

Hey! Yeah that is very possible. Don't most brokerages now offer fractional shares?

[@BobBob-vx4ck]

@@DividendGrowthInvesting I don't know but talking with my junior enlisted soldiers about investing their continual comments are I can't afford it. So I specifically like to guide them towards what is Affordable. Doing something is better than nothing and if they spend 55 bucks on dgro at 19 years old I feel like they're still coming out ahead. Besides I feel like there's a psychological reward that's particularly attractive to my junior enlisted soldiers vym 100 bucks dgro 2 for 110 two-for-the-price-of-one mentally feels better. Morgan Housel goes into that point in his book the psychology of money.

[@Gunieapower33]

Dgro is only like 55-57$ no?

[@jackyjohnson4768]

With DGRO/VYM/SCHD yielding only 2-3% dividend annually, doesn't mean it will take over millions of worth of portfolio value to live on dividends? Hence, don't JEPI/JEPQ offer a better alternatives with the same amount of portfolio value?

[@WHlSKYx]

If you hold VOO would it be better to pick VIG over DGRO because of how similar DGRO is? My horizon is 20 years. I’m nervous with SCHD because it hit hard during the pandemic, prior to that it under performed SPY.

[@mxg8475]

Hey Jake all I have is VTI but thinking about adding JEPI in my portfolio at around 10% just because I'm planning on retirement in about 5 years and want to get the Jepi dividend snowball started now. I'll probably keep adding 1000 a month into VTI like I've been doing and start JEPI off with 2000 and continue to DCA into it with 100 a month. Should i move everything into Jepi when I'm closer to retirement or just do it now to let the snowball grow even more in the next 5 years for more income ?

[@DividendGrowthInvesting]

Hey! Do you plan to sell shares of VTI via the 4% rule or live off the dividend from VTI? In my opinion, I would wait as long as you can to add JEPI because of two reasons (1) the rule of 72, JEPI compounds slower than VTI over time even if you reinvest the dividends and (2) the taxes eat away at your total return - unless this is in a tax advantaged account like a Roth IRA.

[@mxg8475]

@@DividendGrowthInvesting thanks. It's in a regular brokerage and no I don't want to do the 4% rule I would like to put most of the capital into something like Jepi in 5 years that way I don't live off the capital or selling shares just living off the dividends. So I thought doing Jepi 5 years away would give me better dividends in 5 years with the snowball effect

[@DividendGrowthInvesting]

​@@mxg8475 In that case, I think adding JEPI to VTI can be a great strategy. I personally would add some DGRO or SCHD in there to take advantage of that qualified dividend growth ;)

[@mxg8475]

@@DividendGrowthInvesting thanks a lot 👍

[@nate.davidson]

Jake I absolutely love your videos! Im 20 years and currently mainly invest in a taxable acount, is that ok if I’m planning on retiring early vs investing in a Roth?

[@DividendGrowthInvesting]

Hey Nate! I think that is completely fine! If you start when you are 20, you may be able to retire in your 30s or 40s and you will want a taxable account. Try and focus on staying away from non-qualified dividends like REITs, covered call ETFs or bonds and stick with qualified dividends.

[@papijelly]

At the star you mentioned moving your porfolio from Robinhood to M1. Do you get to keep your cost basis on those stocks or ETF ?

[@DividendGrowthInvesting]

Yup! If you transfer there is no taxable event.

[@mishka831]

My time horizon is 10 years so I am in between the 5-10 and 10-20 ranges…. Would you suggest adding VTI? I also hear alot about VOO….

[@DividendGrowthInvesting]

You could look to add VTI or VOO but these are not focused on a dividend strategy. Which is fine if that’s not your focus. VOO is just the SP500 so the largest 500 companies in America where VTI is every publicly traded company in America around 4,000.

[@PeterRanieriII]

great summary video of all you've been teaching us, thanks! What are your thoughts on international dividend exposure? something like DIVI

[@DividendGrowthInvesting]

Hey Peter! I am not the biggest fan of DIVI because of the higher expense ratio and the dividend is only paid twice a year. Maybe an ETF like VYMI, VIGI or SCHY (but this also only pays twice a year)

[@PeterRanieriII]

@@DividendGrowthInvesting thanks for the quick response. Im seeing conflicting expense ratios on DIVI. My tdameritrade says its 0.09% but seeking alpha has it at 0.40%. I took a quick look at the others you mentioned, all seem similar, but yea I hear you on not being a huge fan, its nice to have the diversification but doesn't seem all that necessary. I also don't like semi-annual payouts either but I wonder if in 20+ years it would be more frequent

[@DividendGrowthInvesting]

@@PeterRanieriII If you want international exposure that is focused on total returns (capital appreciation and dividend) kind of like VTI, I could suggest looking at VXUS. I hold 10% in VXUS in my Roth IRA.

[@PeterRanieriII]

@@DividendGrowthInvesting gotcha, thanks for the advice

[@ImxxFuZe]

Haven't finished the video, but I'm waiting for Jake to announce a discord server 😤

[@DividendGrowthInvesting]

One of my goals in 2023 is to be a lot more involved on youtube and interactive with all of you. I'm considering setting up a discord and many other things to come :)

[@Dleifna]

Thanks for the video sir, So now i have 30+ years of investing ,That mean i need to invest on VTI 30% , but when time go on and i have 15 years left then i need to sell VTI and buy dividend ETF likes DGRO/SCHD is that correct? Ps. I’m from Thailand 😅

[@jerad4336]

I prefer VOO and SCHD.

[@catcat7835]

10+ and 20+ and 30 years QQQM or QQQM/VGT/SPLG. Don't have to waste tax on dividends and fees for reinvesting.

[@lip124]

My Roth account only have 4 ETFs consistent of VOO 45%, 30 %SCHD(replaced DGRO for better yield), VB 14%(love small cap, debating on it though) and 10% VNQ.

[@melissagarcia7464]

You mentioned that it is better to invest more in DGRO compared to SCHD in a taxable account for a 10 year time horizon, but you didn't explain why. I am new to investing and really wondering about this. I thought SCHD was taxes as qualified dividends?

[@DividendGrowthInvesting]

With a 10 year, you would ideally want more SCHD than DGRO because of the higher starting yield. If you have a longer time horizon in a taxable account, you ideally want more dividend growth than a high starting yield today.

[@mrgcollegecoaching]

@Dividend Growth Investing thank you 🙏

[@NobleChief118]

What do you think of Robinhood's % match towards their Roth IRA feature? Maybe it'd be nice if M1 did the same

[@DividendGrowthInvesting]

It’s def interesting. Free money is free money.

[@naturescritter4691]

Lightbulb moment for me- If I couldn’t work or lost my job, how can I make money to support my family?

[@DividendGrowthInvesting]

It really stops you in your tracks when you think about it!

[@taylorgreen8297]

Love the video Jake. 1 question if you don’t mind. What do you think of VIG in place of DGRO? I have VTI, SCHD and VIG in my Roth. To be honest the main reason I chose VIG was just because it was close to DGRO and is a vanguard fund.

[@taylorgreen8297]

Also I would like to add that 50% of my Roth is in VTI as I plan to sell out when I retire and buy into higher yielding funds at the time. Not sure if that info helps sway any info

[@DividendGrowthInvesting]

I personally like DGRO a bit more because you get more exposure to the market than with VIG. However, VIG is a great option and I don't think you can go wrong with either!

[@DividendGrowthInvesting]

Well the fact that you have VTI is a good thing, because VIG and SCHD have less market exposure than DGRO and SCHD.

[@taylorgreen8297]

@@DividendGrowthInvesting I appreciate the reply! Just wanted to see if there was something I was possibly overlooking. I’ll stay with VIG but really only because I already hold it. Lol. I looked into DGRO and it looks solid. Appreciate the input Jake!

[@gmax0]

what's about foreign equity and bonds? You don't include them in your portfolio at all ?

[@michaelschmidig4449]

Where would you put VOO into this plan if at all?

[@DividendGrowthInvesting]

I like VOO or VTI in a Roth IRA or 401k working in the background - depending on your time horizon it would make up more or less of your total portfolio.

[@crpatel2140]

love the video. I think the DGRO is next SCHD in 10 year. what do you think ?

[@DividendGrowthInvesting]

It really depends on what the market does. I believe that growth with continue to outperform value over the long-term (decades) as the world relies more and more on innovation. DGRO should outperform SCHD over the long-term (decades).

[@crpatel2140]

@@DividendGrowthInvesting that is right. I am thinking same way I have 20 year to invest so I have 50/50 on schd and dgro. thank for your comment. you should start a make KZbin shorts too.

[@DividendGrowthInvesting]

@@crpatel2140 I've thought a lot about making shorts. I will probably start making them in the future :)

[@paragonknight3307]

I was reading about "turnover rates" involving ETFs, is that another fee or does it effect taxes?

[@DividendGrowthInvesting]

Correct. I just checked my 1099-DIV form from M1 finance from 2021, the tax on SCHD/DGRO was 100% qualified or long-term.

[@paragonknight3307]

@@DividendGrowthInvesting Ok thank you, i was reading that there was another fee associated with turnover percentages within ETFs, i just wasn't sure what they were talking about.

[@WhyN0tSnip3]

I always love your videos, but is this video somewhat of an update to your last portfolio investment opinion based on time horizon or is the video you made 9months ago still relevant and very much still good and thing would just be a simpler path.

[@DividendGrowthInvesting]

Hey! This is combining both topics into one video and talking about DGRO/SCHD as the simple path to wealth and how to set up the simple path to wealth based on your time horizon.

[@diegorios9134]

Hey ! I'm 19 years old and Im investing in dgro and schd (50/50) and doing DCA. Any suggestion or any ETF that I can add to aproach more to VTI/VOO?My time horizon is about 35 years

[@DividendGrowthInvesting]

Hey! I really like adding VTI or VOO because you just cant predict the future and you have so many options in the future with a broad based index fund like these. These are great additions to SCHD/DGRO.

[@diegorios9134]

Thank you ! I was thinking about that today and boom this video aswered my question :)

[@Asstronauts93]

My M1 portfolio is 42% schd 41% dgro and 17% vbr

[@DividendGrowthInvesting]

nice!!!

[@yitkinhtoung3431]

It is a great video Jake. So many great information that make my mind so clear about my investment strategy. It totally make more sense to me. Again, thanks for this video. Do you think it is a right choice to hold same ETF in both taxable and Roth IRA account if i have similar time horizon in both account? Thanks

[@DividendGrowthInvesting]

Thank you so much for saying that! It would depend on when you plan on living off your portfolio. If you plan to live off the portfolio after the age of 59.5, then I would suggest first funding your tax advantaged accounts (e.g. 401k, HSA, IRA etc..). If you plan to live off your dividend portfolio before the age of 59.5, then I would suggest having a plan for both and you could take a similar approach in both if you wanted. This is an older video, but I would suggest watching this video on order of investing in which account type: kzbin.info/www/bejne/pIKlh6OwZ7R6mNU

[@neotruong24]

Hi Jake. Im new to your channel. What if you have 1M or 2M, what ETF to buy to live with "safe" passive income? Some elder people will look for this kind of video. Thanks!

[@smills805]

Loved the peanut butter on my chocolate and chocolate on my peanut butter clip. That was awesome.😂

[@DividendGrowthInvesting]

lol!!! I almost fell out of my chair...

[@mikesurel5040]

I remember watching that commercial on TV. I guess I am old.

[@citizenoftheyearCC]

5:37 wait was that girl just walking down the street, eating peanut butter out of a jar with her fingers?

[@DividendGrowthInvesting]

Lol wait you don’t???

[@joinjen3854]

She could use Your fingers!!

[@gardoaparo5108]

I got SCHD - 28%, SPYD - 27%, BST - 25%, JEPI - 20%.

[@DividendGrowthInvesting]

Hopefully in a tax advantaged account like a Roth IRA because those are mostly taxed as ordinary income.

[@dragosf]

Is there a Ucits version of DGRO?

[@DividendGrowthInvesting]

good question! I am not sure, I need to research international comparable options.

[@ImxxFuZe]

Have you tried "Chapters"? I believe it's automatic so that your video is segmented in parts and easier to navigate through to previous topics within each video.. Also, I was thinking of adding DGRO into my Roth as a core holding next to my SCHD so you're just re-enforcing my thoughts xD Might do a 45/45 SCHD/DGRO and leave 10% to my individuals (currently only MSFT and O, O because of the monthly helping me stay motivated with that beautiful monthly) Time Horizon 30+, BUT Your last Pie of SCHD/DGRO/VTI is very very very appealing (was thinking of SCHB instead of VTI for my taxable account)

[@DividendGrowthInvesting]

I included timestamps in the description which will create chapters for the video. Hopefully that makes it easier to navigate through to the topics that interest you most. If you want to add additional stocks/ETFs to this, I think it can work very well! In fact that is exactly what I do. The core of my portfolio is centered around ETFs, and I have individual stocks to help supplement for more income. By the way - I really like your idea of the monthly income in a Roth to keep you motivated. The emotional benefit of seeing your dividends can be very motivating!

[@leesprout5820]

⏳💰🧙‍♂️

[@DividendGrowthInvesting]

[@19Rinka86]

I don’t like peanut butter chocolate, do I have to move to Robinhood now? 😭 All joke aside congrats on your sponsorship and another awesome video!! 🎉

[@DividendGrowthInvesting]

lol no soup for you then! Thank you!!!

[@EfLuis]

I just buy VOO every week

[@joeldeshaies9520]

So great!!😊😊

[@DividendGrowthInvesting]

Thanks for watching!!

[@camjthompson12]

No longer big on SPYG?

[@DividendGrowthInvesting]

I just talked about SPYG in my video today :)

[@camjthompson12]

@@DividendGrowthInvesting thanks so much for your response! I will make sure to check it out 😎

[@dustindodge5974]

I feel like VIG would be more comparable to DGRO than VYM

[@DividendGrowthInvesting]

Yeah VIG would be a better side by side comparison. Most people commented about VYM that is why I compared it to VYM.

[@dustindodge5974]

@@DividendGrowthInvesting yep, totally get it. Half the people in my DGI groups still chase yields instead of CAGR

[@DividendGrowthInvesting]

​@@dustindodge5974 Well it depends on when they plan to live off the dividend. That is why investing based on your time horizon is so important!

[@reff336]

I don't have M1, but I'd love to have my portfolio reviewed on robinhood and would love to get your advice!

[@DividendGrowthInvesting]

Sure!

[@user-bm6wu9zw9m]

Are you still thinking of buying a Porsche?? 🚗

[@DividendGrowthInvesting]

lol I would love to but I don't see that happening anytime soon (if ever). I may consider it when I turn 60 when I can tap into my roth IRA. lol I'll be just another old dude in a fast car... the difference with me is I will be eating ice cream in it while driving :)

[@gatoborracho4572]

I have one for sale..

[@rayfieldlewis8780]

Yes, I am going to buy a Porsche first quarter of 2024

[@robgrosgebauer4730]

My dude, it appears JEPI, over time, will EAT into YOUR PRINcipal….fyi

[@DividendGrowthInvesting]

JEPI writes out of the money, so there is upside potential.

[@stephaniegrayson4131]

I'm so opportuned irrespective of the economic crisis and financial conditions I am still able to earn $33,500 returns from my initial $6,500 every 10days..

[@gatoborracho4572]

Smells like bull..

[@ReedsDividendJourney]

Great video!

[@DividendGrowthInvesting]

Thank you so much for watching!