SCHD vs VYM vs JEPI — which dividend ETF wins?
SCHD is the cleanest dividend growth ETF. 10-year dividend CAGR of ~12%, low expense ratio, quality screen on underlying holdings.
80 Comments
This is a solid framework. Saving this post.
Curious about the rebalancing approach. Annual or threshold-based?
Appreciate the transparency here. Most people gatekeep this stuff.
Curious about the rebalancing approach. Annual or threshold-based?
Curious about the rebalancing approach. Annual or threshold-based?
The compounding at year 20+ is when it gets really wild.
Have you considered the tax implications of this approach?
The international allocation debate never gets old.
I respectfully disagree. The data suggests otherwise.
Appreciate the transparency here. Most people gatekeep this stuff.
Fees really do compound in the wrong direction.
The psychology of money matters as much as the math.
I've been burned by this before. Your caution is warranted.
The compounding at year 20+ is when it gets really wild.
The exit strategy is what most people don't think about.
Been saying this for years. Nice to see it laid out clearly.
Counterpoint: what happens if rates stay elevated longer?
Have you considered the tax implications of this approach?
This is the post I needed. Exactly my situation.
This is why I come to this community. Real numbers, real analysis.
This is why I come to this community. Real numbers, real analysis.
This is essentially what a financial advisor charges $5k to tell you.
Have you stress tested this against a 40% drawdown?
Have you considered the tax implications of this approach?
Not financial advice but I'm doing the exact same thing.
How did this perform during the 2022 drawdown?
FIRE community is the most underrated corner of personal finance.
The international allocation debate never gets old.
Fees really do compound in the wrong direction.
I was skeptical at first but this changed my mind.
The math here is solid. This is what people miss.
I was skeptical at first but this changed my mind.
What brokerage are you using for this?
This is a solid framework. Saving this post.
What's your target withdrawal rate in retirement?
Have you modeled different interest rate scenarios?
This is either genius or the most expensive lesson of your life.
Any thoughts on doing this in a taxable account?
I respectfully disagree. The data suggests otherwise.
What's your thoughts on the downside risk here?
This is why I come to this community. Real numbers, real analysis.
This is the way.
How does this compare to just buying VTI and forgetting about it?
The behavioral aspect of investing is so underrated.
Not financial advice but I'm doing the exact same thing.
Appreciate you sharing the L's too. Most people only post wins.
The psychology of money matters as much as the math.
Done similar analysis. Your numbers check out.
What's your target withdrawal rate in retirement?
What catalyst are you watching for?
The compounding at year 20+ is when it gets really wild.
What's your thoughts on the downside risk here?
Not financial advice but I'm doing the exact same thing.
Love the transparency. This community needs more of this.
What's your target withdrawal rate in retirement?
How did this perform during the 2022 drawdown?
Appreciate the transparency here. Most people gatekeep this stuff.
The compounding at year 20+ is when it gets really wild.
Be careful about survivorship bias in this analysis.
Any thoughts on doing this in a taxable account?
FIRE community is the most underrated corner of personal finance.
Fees really do compound in the wrong direction.
FIRE community is the most underrated corner of personal finance.
Love the transparency. This community needs more of this.
This is essentially what a financial advisor charges $5k to tell you.
What brokerage are you using for this?
FIRE community is the most underrated corner of personal finance.
This is a masterclass. Bookmarked.
Have you modeled different interest rate scenarios?
This is why I come to this community. Real numbers, real analysis.
What's your thoughts on the downside risk here?
The exit strategy is what most people don't think about.
Done similar analysis. Your numbers check out.
Appreciate the transparency here. Most people gatekeep this stuff.
Be careful about survivorship bias in this analysis.
What's your thoughts on the downside risk here?
What's your target withdrawal rate in retirement?
Interesting perspective. I see it differently — happy to elaborate.
I've been burned by this before. Your caution is warranted.
Not financial advice but I'm doing the exact same thing.
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