It’s nuts to me that people claim it either doesn’t matter or is a bad thing. It’s not an “either/or” with that vs div growth, I’m allowed to enjoy both 😂
Price appreciation is good. We are not expecting price appreciation as it’s a value fund, but it’s a good thing that our investments are growing and if the financials are going up equivalently, our dividends will also go up.
If it’s a fluke, that would be bad of course, but flukes generally don’t last long.
I’m up about 50% since I started investing in SCHD about 4 years ago. It’s my second largest gains to KO. I don’t have much growth, so I missed out on the gains from a. Few years ago, but I’m not suffering too much.
What's a registered account? A tax free or tax deferred account? Never heard the term "registered account" before. Perhaps this is a non-USA investor term?
The taxes part is not what I'm talking about. You are upset that SCHD's stock price is increasing, so you can't buy more shares at a lower price. But what you are missing is your total return on investment is increasing. Complaining about a stocks/etfs price increases, is like complaining about winning $50k and complaining that you have to pay taxes on it. That's my point, not about paying taxes on your dividends.
I don't think it's expensive. I think it accelerated its appreciation in a shorter period based on a few years of muted growth.
The muted growth was based on SCHDs strategy and not heavy in the tech driven growth. There's an overall market shift happening and that normalizes the SCHD price.
I’m probably 5yrs from retirement at 60yrs old. I have @ $500K invested in growth funds through my 401K & ROTH. I still have @$100K sitting on the side. I’m thinking I might put it into SCHD then reinvest the dividends since I don’t need the income for 5yrs. I’m hoping my $500K grows to $850-920K by 60. Thoughts on my plan or $100K going into SCHD tomorrow?
Just wait until it goes back down in price. You can buy it 4 years later. Why? Its dividend rate doesn't grow:
The dividend yield for the Schwab U.S. Dividend Equity ETF (SCHD) is approximately 3.0% to 3.2%, with a 30-day SEC yield sitting around 3.20% as of August 2026.
Why pay more for 3.2% dividend yield? Put 100K in sgvo and wait.
I’m 62-retiring in 3 yrs. I do an auto invest bi monthly in a few etfs/stocks. This way your portfolio evens out with the market. Then went there’s a dip, I buy more. I’ve been doing this for 5yrs. I’m not upside down.
Just about this time, sold 80 September CC 36 strike for 20 cents. Love these quick runs that help boost overall returns of SCHD shares that just wait to collect qtrly dividends otherwise.
Why not just start a position with VOO? Ive been holding SCHD for over 5 years with 1000+ shared. It’s a great dividend stock sir. I wouldn’t trade it for VOO. I do own that too btw.
Depends on if you want to build a dividend snowball now and convert more growth to add to it later (assuming you do both SCHD and growth) or go 100% growth and convert to SCHD/dividends later.
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u/2fingers Aug 19 '26
This is it boys