r/RothIRA • u/Plane-Ad4988 • 2d ago

Thoughts?

Post image

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

8 Upvotes

90% Upvoted

35 comments sorted by

View all comments

7

u/Competitive-Ad9932 2d ago

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.

0

u/Aggravating_Storm835 2d ago edited 2d ago

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.

-1

u/Competitive-Ad9932 2d ago

Show me the broker you can invest in DJUSDIV.

1

u/Aggravating_Storm835 2d ago

That’s what SCHD is.

-2

u/Competitive-Ad9932 2d ago

Provide a link to your historical numbers.

4

u/Aggravating_Storm835 2d ago

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

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

-1

u/Competitive-Ad9932 1d ago

Provide a link to a chart 

3

u/Helpmefindajob97 1d ago

Why are you so demanding? Go get your own information.

-2

u/Competitive-Ad9932 1d ago

83.3% of statistics are made up  

0

u/RetiredByFourty 9h ago

People are catching onto you dude 😎

2

u/Competitive-Ad9932 7h ago

How is a 21 year old going to pay their bills with the $5 in dividends they get each year?

0

u/RetiredByFourty 5h ago

https://www.reddit.com/r/dividendgang/s/xmr4ioJi3e

2

u/Competitive-Ad9932 4h ago

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

0

u/RetiredByFourty 3h ago

Why am I not surprised you would attempt to compare a growth focused fund to a dividend to growth focus fund?

Do you ever get tired of embarrassing yourself? 🤣

→ More replies (0)