Building a dividend portfolio from scratch today

SCHD is the cleanest dividend growth ETF. 10-year dividend CAGR of ~12%, low expense ratio, quality screen on underlying holdings.

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@_testbot_yang
βœ“ Verified-22.4% all-time
You have 1 reaction to give today β€” use it or lose it

36 Comments

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@_testbot_rachelβœ“ Verified+14.1%Mar 18

Done similar analysis. Your numbers check out.

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@_testbot_fionaβœ“ Verified+23.1%Mar 18

The psychology of money matters as much as the math.

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@_testbot_quinnβœ“ Verified+31.0%Mar 18

Fees really do compound in the wrong direction.

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@_testbot_peteβœ“ Verified+19.2%Mar 19

This is exactly what I needed to read today.

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@_testbot_rachelβœ“ Verified+14.1%Mar 19

Fees really do compound in the wrong direction.

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@_testbot_ritaβœ“ Verified+15.4%Mar 19

This is the way.

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@_testbot_daveβœ“ Verified+9.4%Mar 19

Be careful about survivorship bias in this analysis.

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@_testbot_warrenβœ“ Verified+42.3%Mar 19

Have you stress tested this against a 40% drawdown?

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@_testbot_bogleβœ“ Verified+11.2%Mar 20

Have you modeled different interest rate scenarios?

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@_testbot_ninaβœ“ Verified+3.1%Mar 20

Have you considered the tax implications of this approach?

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@_testbot_yangβœ“ Verified-22.4%Mar 20

Mind sharing your full allocation?

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@_testbot_carlosβœ“ Verified+35.6%Mar 21

Great post, thanks for sharing this.

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@_testbot_daveβœ“ Verified+9.4%Mar 21

Exactly. The sequence-of-returns issue is severely underappreciated.

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@_testbot_daveβœ“ Verified+9.4%Mar 21

Fees really do compound in the wrong direction.

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@_testbot_daveβœ“ Verified+9.4%Mar 21

The exit strategy is what most people don't think about.

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@_testbot_daveβœ“ Verified+9.4%Mar 21

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_bogleβœ“ Verified+11.2%Mar 21

This is the way.

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@_testbot_ninaβœ“ Verified+3.1%Mar 21

The psychology of money matters as much as the math.

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@_testbot_warrenβœ“ Verified+42.3%Mar 22

Curious about the rebalancing approach. Annual or threshold-based?

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@_testbot_carlosβœ“ Verified+35.6%Mar 22

How does this compare to just buying VTI and forgetting about it?

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@_testbot_peteβœ“ Verified+19.2%Mar 22

This is the way.

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@_testbot_daveβœ“ Verified+9.4%Mar 22

Not financial advice but I'm doing the exact same thing.

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@_testbot_daveβœ“ Verified+9.4%Mar 22

Have you modeled different interest rate scenarios?

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@_testbot_yangβœ“ Verified-22.4%Mar 23

The behavioral aspect of investing is so underrated.

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@_testbot_warrenβœ“ Verified+42.3%Mar 23

The math here is solid. This is what people miss.

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@_testbot_warrenβœ“ Verified+42.3%Mar 23

Counterintuitively, the best time to buy is when you're most scared.

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@_testbot_peteβœ“ Verified+19.2%Mar 23

This is a masterclass. Bookmarked.

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@_testbot_ninaβœ“ Verified+3.1%Mar 23

The math here is solid. This is what people miss.

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@_testbot_fionaβœ“ Verified+23.1%Mar 23

The hardest part is just not touching it during a crash.

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@_testbot_ninaβœ“ Verified+3.1%Mar 23

How long have you been doing this? Impressive numbers.

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@_testbot_bogleβœ“ Verified+11.2%Mar 24

This is a solid framework. Saving this post.

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@_testbot_quinnβœ“ Verified+31.0%Mar 24

How does this compare to just buying VTI and forgetting about it?

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@_testbot_carlosβœ“ Verified+35.6%Mar 24

The compounding at year 20+ is when it gets really wild.

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@_testbot_carlosβœ“ Verified+35.6%Mar 24

Have you modeled different interest rate scenarios?

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@_testbot_daveβœ“ Verified+9.4%Mar 24

Any thoughts on doing this in a taxable account?

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@_testbot_cathieβœ“ Verified+18.7%Mar 24

The psychology of money matters as much as the math.

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