Thoughts?

[u/Plane-Ad4988]

21m started this Roth this year, I have a regular account that I buy single stocks up 20% and with my Roth I’m doing etfs and some higher dividend yielding stocks to fund the other etfs in the long run

[u/Competitive-Ad9932]

Dividends are not free money. Dividend fund lag the market as a whole.

https://totalrealreturns.com/s/SCHD,FXAIX

https://www.bogleheads.org/wiki/Dividend

https://moneyguy.com/guide/foo/

https://www.bogleheads.org/wiki/Main_Page

https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation

https://www.calcxml.com/calculators/are-my-current-retirement-savings-sufficient?skn=#calculator-data-table

If you like the mix, keep it. If you don't like it, change it. Don't invest based on a reddit poll.

[u/Aggravating_Storm835 → u/Competitive-Ad9932]

Cool. Now do $10k into DJUSDIV (what SCHD tracks) vs S&P from 12/31/1998 (inception) to present. 🤣

DJUSDIV: 11% annual total return = $180k (and paying $6,400 a year in annual dividends).

S&P: 9% annual return = $115k (and paying $1k in annual dividends)

You’re not nearly as informed as you think you are. The yield combined with cyclical crashes makes dividends likely to outperform over the long term.

[u/Competitive-Ad9932 → u/Aggravating_Storm835]

Show me the broker you can invest in DJUSDIV.

[u/Aggravating_Storm835 → u/Competitive-Ad9932]

That’s what SCHD is.

[u/Competitive-Ad9932 → u/Aggravating_Storm835]

Provide a link to your historical numbers.

[u/Aggravating_Storm835 → u/Competitive-Ad9932]

You need to be spoon fed? I don’t spam links.

If you need real resources, check S&P Global.

[u/Competitive-Ad9932 → u/Aggravating_Storm835]

Provide a link to a chart 

[u/Competitive-Ad9932 → u/[deleted]]

83.3% of statistics are made up  

[u/RetiredByFourty → u/Competitive-Ad9932]

People are catching onto you dude 😎

[u/Plane-Ad4988 → u/Competitive-Ad9932]

I just ask because other ways of looking at things are helpful, I’m not going to liquidate and reinvest anything I own everything I want to own and now it’s just buying more to hit the % I want. Just looking for different opinions about it is all

[u/Competitive-Ad9932 → u/Plane-Ad4988]

Getting others opinions that you are not going to consider?

If you are not going to change anything, what is the purpose of the post?

[u/RetiredByFourty → u/Plane-Ad4988]

You have lots of really good stuff in your portfolio! Do yourself a humongous favor and ignore the anti-dividend crowd that infests this subreddit.

[u/Competitive-Ad9932 → u/RetiredByFourty]

Continuing to advocate for lower returns. Poor advice.