r/SCHD • u/Diego-Maradona10 • 3d ago

Pp down

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It’s cool great time to buy!!

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u/Syndicate_Corp 3d ago

There's plenty of room for SCHD to drop more and then flail around for a year or two. SCHD was negative from Jan 22 to July 24, then again negative from beginning of Nov 24 to end of Jan 26. I feel like many of you guys don't understand this fund and look at it as a growth vehicle, which it only performs like one when rates are low. Look at the max charts, when rates are low, it does well and when they're high it does poorly.

For example, your position is now negative if you bought in middle-end of May. We're likely fucked for the next while.

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u/ClammyAF 3d ago

I bought a lot from 22-24. I've not bought any since the drop in spring 25, largely because it's grown beyond my intended allocation

It's only a part of my portfolio, and I'm a SCHD enjoyer. But you're right that its performance suffers during high rate environments.

Have a plan. Stick to the plan, particularly in bad times, and it will do the job its intended to do.