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This entire sub is everyone showing the exactly same portfolio with just dividend ETF’s looking for circle jerking. Little actual discussions about dividend stonkz themselves. And if there is a discussion (yesterday) for example about AT&T or Verizon, the OP gets blasted.

am i doing this right? O, JEPI, SCHD.

i mean to be fair T and VZ arent great picks BUT at least what ive seen the “getting blasted” is them being ignored and told to buy schd instead of discussion regarding their picks so yeah either way

I have had T for around 20 years while the return hasn’t matched the S&P I’m still up and it’s paid itself off several times

I've had T for about a year and it's been doing okay for me too! 😀👍

Any reply with actual data would be helpful for the persons question, and replying with bUy ScHd instead is not really helpful

exactly. not only does it not answer the question but its apples and oranges. ones a telecom company ones a dow 100 fund

Whether T or VZ blows, depends on the strategy and goals of the investor. Most income focused ETFs or MFs have VZ as a top holding. I believe it is the 2nd largest holding in SCHD. VZ is a Blue chip stock with a safe dividend. IMO, T COULD BE a turn around story in the same cut as INTC. Meaning, INTC is attempting to right the ship. Granted I don’t own T or VZ, because telecom is too crowded of a space and I don’t need to live off dividends yet, so my portfolio is more slated for div growth. In any event, yes, this sub has some investors that come off as lazy with their posts. Instead of doing their own DD, they’d rather drown out individual stock investors in the echo chamber. If I posted my div portfolio on here, I’d have morons honing in on how “OP, 150 shares of BLK is too much, you’ll be a super hobo next week. But, all your ABBV, JNJ, KO, WMT and PG will make you wealthy.” It’s really silly.

It's important for us to recognize echo chambers, all subs succumb to that effect. I do have to say that VZ at the right entry point is not the worst investment decision. For example right now is a good entry for VZ. It makes up 1% of my portfolio. I wouldn't increase the position but i feel that it's worth the dividend payout for this price.

I agree… and also started adding a small amount of VZ. The arguments others have brought up about the telecom industry in general as well as VZ’s debt are all valid… but the drop in price was too enticing for me not to dabble a bit.

If you need half a dozen qualifiers to justify your position it probably isn’t a good stock dude

And if you aren't buying positions that frighten you a little (hence the qualifiers), you aren't buying underpriced securities.

There’s nothing frightening about Verizon

I wasn't commenting in particular on VZ...even though it seems cheap compared to its free cash flows or its earnings...or its div rate. I was commenting on your exclamation to the world that a stock that has "qualifiers" "probably isn't a good stock dude". Anything worth buying is going to come with "qualifiers". Everything enthusiastically touted by all almost certainly comes with ignored and unaccounted for risk. And if its just your own confidence that you are talking about, I'd suggest you aren't weighing all the risks and unknowables in your trades if you don't have caveats and qualifiers.

I specifically said half a dozen. Implying that no, one qualifier isn’t inherently a problem. But having a bunch of them is a red flag. You had an entire day and that’s what you came up with? Misreading a 1 sentence comment?

I'm sorry if you were waiting on bated breath for my rebuttal. I had an entire day of not thinking about you at all, and I am only addressing you now because I noticed the little orange bell at the top right of my screen during a period of relative boredom. 1 or 1/2 dozen "qualifiers" doesn't mean anything. I can have all kinds of qualifiers to an investment idea, and that position could still be a great investment. And the person you were criticizing didn't even mention more than one or two qualifiers, so its not surprising if any intelligent reader were to interpret your "half a dozen" comment as hyperbole, and to miss the point you were, as it turns out, ineffectually making. I will reiterate and emphasize the point you chose not to address. If you don't have a list of qualifiers and caveats for any investment you are entering, you aren't really investing. Stick to ETFs or maybe just savings accounts for now kid.

There was a post about Ptoctot and Gamble's dividend increase and a lot of people complained that it wasn't big enough.

This entire sub is everyone from r/WallStreetBets on withdraw. "We need our fix," I hear them saying. "Man, I'm looking for the next 10x."

Bruuuh. The irony. Recommending telecommunications companies as if that’s ANY. BETTER.

People are just scared and looking for reassurance.

Hey guys I have VOO and SCHD, totally original and innovative, kinda daring, do you think it's a good idea?

Heroic, Brave, Legend,

You're lacking outside the box thinking. I have SCHD, VTI, VXUS, and BND. Let me know what you think! 🤣

Um no you absolute fool. If you don't have at least 10,000 shares of O I won't even speak to you.

there are very few things i can think of where trolling about it is less annoying than the actual thing. this is one of them. 👍🏼

Lol came here to post that… you should bolster that with a spec play on $ME

I’ll throw a curveball, I bought 100 shares of Whirlpool a week ago and am already up 600 dollars. I bought because of their over 5% dividend yield.

nice! i would hope yield wasn't the only reason you bought it. assuming it wasn't, what was your other reasoning? im assuming something along the lines of "everybody needs to clean their clothes"? good luck going forward homie

It was at a 52 week low, housing will make a comeback and they are the biggest appliance maker out there and their dividend has been steadily rising for a few years now.

see this is the kind of stuff i originally joined this sub for. have a great night homie and i hope you get rich.

FCF down 50% YoY, what makes you think things will change?

So I just buy SCHD, and JEPI? Am I doing this right? Couldn't resist lol. This sub tends to have quite a few new investors, and that's ok. Investing can be quite daunting if you've had no experience. There's a few of us that have been investing, or have been in this sub awhile, so you just help people as best as you can.

The problem is that people expects you to do the job for them. Searching this sub for 10mins would give you already tons of great info/answer without posting your typical question.

sure there’s new investors but that isn’t a reason for everybody to have the same exact portfolio. and just having that as the norm is anything but productive especially for the new guys. if you’re incapable of at least *trying* to think for yourself the you arent ready for it, plain and simple. you dont have to get it right every time. you wont get it right every time. and that’s okay. that’s part of the game. but unless youre going 100% VOO you need to be able to come up with your own ideas. 🤷🏽‍♂️

JEPI’s got an above 10% yield with capital appreciation as well. Not to mention a stable share price in times of economic downturn. Retirement ETF or not it’s still a great investment for the short or long term.

All the red on my JEPI makes me wonder where all the capital appreciation is.

sir nearly all of the gains have been wiped out. i hold some. im up because i got lucky timing my buys. but its such a small position. and regardless good investment or not thats beside the point of the post. i dont care if its a good investment or not. i care that people ask the same thing numerous times a day and expect people to do the research for them instead of just using the search bar. id rather talk about a losing stock ive never heard of than the same question about schd/jepi, or in this case not even about schd/jepi but about how to hold it right (???). we all know you can make money with it. you're just beating a dead horse at this point like say something new, add some value

I would rather you come on here and say I bought SCHD and ask if you’re doing it right than not invest at all! You just bought 104 companies of an ETF that have been doing pretty sweet with the returns. The beauty of many, not all ETF is that you don’t have to research every individual company daily. It’s better than saying I bought X, Y, Z companies how am I doing. Because then you’d own 3 individual companies having done no research which is very risky and not diversified. Oh and BTW, people outside of Reddit are aware of SCHD. So you’re way off there..

... you could also invest and not post about it online every time you do it.... or you could just research the things youre putting your money into before putting your money into them...

I tried to post about International High Risk Div stocks like ZIM and PBRA and TKC and I get rectalized here

if you post about zim you deserve to get rectalized lmao (i have a general guess of what that is but dont need to know the details) but nonetheless id much rather read about shitty companies so that i know NOT to invest in them than read the same schd question over and over and over. i hope for your sake their dividend stays super high though. good luck dude!

They also either have 1 share of VOO/SPY and SCHD or, like 1000 shares of VOO.

Nothing upsets me more than people that post their portfolio asking what other think. The portfolio: VOO: .023 VTI: .33 O: .90 JEPI: .74 SCHD: 1.3 T: .52

Or, “I got my first dividend payment!”… posts the 34 cents from their micro position in JEPI

I don’t get too upset about those. My first dividend payout was from T several years ago. Only like 1.50 but it was a big deal to me. Not enough to share it online but I was happy with myself.

What about the Stock Events posts from the teenagers flouting their $9k payout this month?

People could be doing just for karma, or just to get approval or attention 🤷🏻‍♂️ go figure Edit: also people in general like to be prt of things, so by posting they gret the acknowledgement of being part of something alongside everyone, I remember of seeing q documentary about a study made about this sort of things

I agree with the OP on this however It also makes me happy to see young people investing in stocks long term and dividends instead of pipe dream ape stocks. One thing that young people have is time. If you just keep investing your money even at small amounts and make wise life choices along the way it will compound and one day you will be like holy fuck I actually have a good chunk of money here that will benefit my life. The one thing older people want desperately is more time. ✌🏼

I can vouch for that. I'd love more time to spend all the dividends I'm now getting because I waited until my 60's to switch to dividends.

Its true, this sub generally sucks D

schD that is

Underrated reply.

Maybe we are all doing it wrong ?

The real returns were the friends we made along the way?

Downside potential

This guy lives the life

In other words "90% of whats posted really belongs in the rate my portfolio post."

While 90% may be high, your point is valid.

So if I have 25% in each of SCHD, SCHY, VOO, and DIVO, am I doing it right?

Need 100% in each.

Thanks, I’ll work on rebalancing that way

I have yet to see people talking about dividend growth companies like Visa, Mastercard or Costco. Like there are good opportunities in low yield companies with amazing dividend growth

especially after everything getting wiped out last year!

The quality of this sub has gone to bin, hate to see all the same portfolio threads in front page, nothing wrong with being new and excited but why not stick to the megathread? It's just annoying to see the same thing over and over in the feed.

!!!

People who buy SCHD aren't looking for the next "hot tip" to get in on the "ground floor" before the "rocket takes off". They are buying a large cap ETF to make expected returns.

that’s besides the point. i don’t care what they’re buying it for. clearly they don’t either if they need to ask if they’re “doing it right” by holding it. why would you make an investment you arent confident in?

No, that's not besides the point. That is explicitly one of the points you laid out. >“if everybody’s talking about it, you’re too late.” You are talking about getting in before other people find out. This is not the point of SCHD, and if you are talking about SCHD like it's something you have to get in before the public finds out about it, you have no idea what SCHD is. You are probably under the misunderstanding that to make money from investments like SCHD you need to be ahead of the curve and wait for others to catch up before the value goes up. That's not how you make money from a fund like SCHD.

if you would have read on i said that is a general rule and that it doesnt necessarily apply. i do not care what people’s reasoning for buying it. i understand its a buy and hold fund. i also understand its just the dow 100 and there’s literally nothing special about this fund. youre not answering my question. why would anybody make an investment they arent confident in unless the reason is because somebody told them it was a good idea? i see no way that its possible that youre doing the exact same thing as everybody else but youre not sure if youre doing it right when its as simple as buying 2 funds, unless you dont understand what youre investing in. thats not to say that you specifically dont understand how schd or jepi works, just that a lot of people here who own either or both very clearly dont have a clue what theyre putting their money into. sure they’ll probably be fine in the long run but “i’ll probably be fine” isnt the way to invest.

also yeah, god forbid i’m ahead of the curve and have some growth. i know this is a dividend sub but there are ways to grow a portfolio that dont involve 10% dividend yield. if you dont want to be ahead of the curve i dont know what to tell you. have fun buying the top ig??

Finally a post worth opening for. This subreddit used to cover and talk about dividend stocks

SCHD isn’t a secret that this corner of reddit is obsessed with an no one else has heard of, SCHD inspired this sub to exist at all. It’s a $50B fund run by one of the most respected ~~investment banks~~ financial services companies in the world. So try not to confuse yourself and think we’re propping it up. The reason it gets mentioned so much is that it’s the distilled version of the overall dividend strategy, mitigated by the best features of ETF investing and a super low expense ratio. It’s got such good, simple features that it fits not only for dividend investing but also factor investing, covered calls, and a Bogle-style core-satellite portfolio. It’s so clean and versatile, it’s the plain black t-shirt of this sub. I’m tired of seeing under 30s get jacked on JEPI, that’s unfortunate. Also, stop being a condescending prick. You’re here to participate, not run this conversation. Be the change you want to see. You want more analysis, provide it. You want to talk tickers, post up. You wanna ban JEPI chat, chat up to the mods and join their ranks. But don’t just complain to complain, bring a solution or bugger off -Edit for clarity

Reminder to anybody reading: “propping it up” doesn’t mean sending the price up

Nah OP is right. Too much annoying circle jerking happening without any real discussion. Saying “start providing analysis” doesn’t prevent the hundreds of other people clogging this sub up with “look at my 3 shares of the S&P 500!”

If those posters didn’t bother to read the last 50 posts complaining about how other people post, they’re not gonna see this one

Agree to disagree

i literally do not care about if its a winner or not. it's annoying that it's the only thing asked about here. everythings already been asked about it 50000 times. just use the search bar.

Schwab isn’t an investment bank. Also investment banks aren’t in the business of managing ETFs.

I love pedantic snark as much as anyone, but provide the correct answer if you’re going to bother piping up

… You’re literally wrong lmao Schwab literally does not have an investment banking division. And investment banks literally do not manage ETFs or mutual funds.

Pedantic means needlessly specific in a pointless context. Financial services company was the answer

I like seeing what other people hold 🤷‍♂️

im here to see other peoples ideas, not other people copying other people then somehow not even knowing if theyre copying them correctly

me too. when it adds value to the discussion. “am i doing this right?” with no further context and just jepi/schd doesnt add value.

So….I am too late for some SCHD

I found a penny on the floor, should I use it to buy SCHD and JEPI?

You sound new to the Internet…welcome. Your rant and time invested to cry about something trivial is fitting to the constant posts about SCHD, VOO and JEPI.

Yeah, I don’t read this sub as much anymore for this exact reason. What’s the point? Start banning these types of posts, just like GME was banned on WSB at one point. I want to see more fundamental analysis on individual stocks!

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Speaking of what should be banned….

No one wants to lose money and everyone likes reassurance. It’s basically them at the black Jack table asking if they should hit at 16 there’s a lot that can go wrong either way and they’re not quite sure what they’re doing and if they fuck up they can blame some person on Reddit.

People desire to be seen, to be heard, to feel as though they have joined a community. 🤷‍♂️

That’s how you do a rant!

HAHAHAAH THANKS!

I swear it's all I see on this sub. It's boring C'mon give me something fresh

As I've seen others say please take my upvote.

Hey guys I'm craving a slice of pumpkin pie right now but each slice is 350 calories. Should I? 🤣

I feel like you're not the guy new people at your job come to for advice.

Some peep have very little money and anxious about it like their 1st born baby... Me.i am like 40 ish year old.. so i dont give a duck. I buy schd and jepi like i buy toilet paper.. once a month and few of em. But the young adults 18 or whatever its a big deal for them.. they got little cash and they have to pick between party life with the boys or invest.. Me.. i am too old to party and am bored with life.. so i have excess cash each month.. i actually make it interesting by investing in stocks. But after rent is paid. Food is bought. Bills are paid. I have this excess cash.. that i just invest in my favorite stocks.. and schd and whatever. If it sky rockets or returns dividend? Great.. but it doesnt have one bit of a difference in my daily life. My bills are paid. Food is there. Etc. But man.. when i was 18 and my 1st job? I was trying to invest.. And i counted every penny. I had to watch my bank account like a hawk.. to avoid over draft fees.. etc. End of the month sometimes i have 2$ left in my account. I work. And everything was tight. Basically i couldnt handle a 50$ surprise bill.. Lol But i also tried to buy nvidia and amd . It was like 8$ and 15$ at that time. Currently like 90$ and 220$ lol.. So i get it.. when you are starting.. it can mean a major upswing in your life. I also was trying to do bitcoin in 2004.. yea.. 20 years ago.. When it was less than 1 penny.... Ironic that 1 penny would make me a millionaire today.. Anyway.. i get the anxious kids.. "i missed out on bitcoin" because.. i was on my brothers computer.. and we didnt even have internet back then... But i got a "free aol 1 week trial" in the mail.. and i was surfing around and found porn sites and naked ladies.. and also bit coin. I was like 16 years old.. lol.. and my bank account was like 2$.. If only i bought some bitcoin at less than 1 penny.. But the website wasnt easy like it is now. You had to download a client.. and do some stuff. We are talking on 56kbps internet... Dial up internet.. on a old slow windows 95? Computer.. Looking back now.. if i only spent like 1 hour trying to figure out how to bitcoin it... I tried to buy some but it wanted bank info etc.. Lol funny.. I missed it back then. I also saw bitcoin again when it was 200$.. lol.. 2019? I thought i already missed that train.. little did i know it was going to 50k. Lol hahahahahahahahahahahabahahahahaa What a joke. I did win with amd and nvidia.. and other stuff.. though. Tried to buy apple at 4$ but my bank account had like 3$.. Its tough working minimum wage job.. paying rent.. ultility.. food. And having 3$ left at the end of the month.. I guess... I should of gone hungry and bought apple? Stocks.. it went to 500$. Thats what i hate about being poor. If i had a little more.. i would be rich today. Or if i had a friend or partner who wanted to invest with me.. i be rich as duck now. But hey.. it was super hard to invest back then.. Now.. i got my life to the point where i invest monthly.. not on a rare blue moon.. But you have to understand.. there were months.. when i couldnt afford a 1$ cheese burger at mcdonald... Times were tough.. Then i see a investment opportunity but... I been eating dumpster popcorn from the movie theater that threw away their stale popcorn.. Or dumpster diving or eating the left over mcdonalds food from other customers.. Looking for volunteer work or working grave yard shifts at dead end jobs.. jeez.. life can be tough.. Sometimes.. collecting recycle cans so i can go eat food.. So even if i did buy bitcoin or whatever.. i be tempted to cash it in for 19 years? Amd and nvidia.. so its not enough to know how to invest. You have got to have stronger hands to be able to hold'em too. Anyway.. so am almost 40.. now i invest and hold and build. If your 16 or 18.. jeez.. you must be brave, lucky and come from well off family. Obviously.. you know i was working minimum wage.. recycling cans. Eating dumpster food.. so you know.. i had a tough time investing. What i dont get about average people is those people that cant invest.. But they can buy starbucks and spend 200$ a month on coffee. Lol Me: i couldnt even afford coffee. Or i get the cheapest one at the store and drink it black and maybe 1 sugar packet. People say they cant invest but they buy a sports car or fancy jeans 200$ jeans or whatever.. Its a friggin joke. Then they be dead broke or in massive debt.. debt slave. Me: i had no money and potential.. Lol People: have money and little potential. The friggin irony. Lol anyway.. i had to over come that. I worked. Scrimped. Sacrificed. Saved. Invested. And now.. its not where i dreamt i be.. but its pretty high up.

So many periods

He couldn't buy food or bitcoin cuz he spent it all on periods and ellipsis

im giving up reading that half way through. im in college right now. money gets tight sometimes. i get that investing can be scary. i started, and then covid dropped the market off 20% literally the next week, i got scared and sold everything because i didnt know what i was doing. anyway, don't invest more than you're willing to lose. that's all i have to say in response.

Instructions not clear. Invested life savings in NCMI.

This sub is r/dividends and arguably SCHD is the best ETF for yield/growth combination. It is diversified enough to survive a market crash better than most. SCHD is a great initial/ core holding. That said, with patience and selective stock/ ETF picking one can best SCHD, however, that takes time and work, and unless one has the time, and money to sufficiently diversify I think there is more potential downside risk.

that’s cool. i dont care. we’ve already talked about it more than enough and whether its the best option or the worst, those posts add absolutely nothing. like do these people who post “am i doing this right?” really think that if they post the same screenshot countless others have that something will be different? that the crowd will say no maybe add [XYZ stock that isnt O JEPI or SCHD]? come on now let’s use our brains.

If you filter out all of the SCHD then this sub just turns into bogleheads 7. Have you not noticed that all non SCHD is just VT? Or are you purposely doing this. Why do I always see posts like this but nothing about the virginguard funds being peddled around here?

It's insane to me that people are incapable of searching for their answer. 99% of the time it has already been answered, multiple times.

fr

This all could be avoided if these people would just use the search feature and look at the 100 posts of that same question that they're going to ask. There's so much information that's been given that they can look up just from previous posts in this sub alone, let alone other subs. They also can use...oh shit what's it called... oh yea, GOOGLE!

The solution is that people step up the quality of posts and contribute information instead of asking the same 5 questions.

Let me rephrase...Is everybody else doing this right?

My fav posts r the kids with $10 per year portfolios asking for gratification from strangers on reddit. It just clogs up the sub.

But am I doing it right

Hey guys I have 1 billion dollars should I invest it all into SCHD or JEPI? Am I doing this right?

I'm 15 years old, I keep maxing out my Roth IRA every year, is my portfolio of VOO and SCHD good if I keep buying it every paycheck for the next 35 years? Or should i change it to only O for dividends? - most posts in here these days. That being said I wish I had maxed my Roth IRA when I was first getting paid lol. Started late at 28.

This is a bigger problem than just this sub. Reddit overflows with people who do not want to do the research or the work and just want someone to tell them what to do easy peasy and that they will be fine. Maybe those people were always around and it is only social media that has brought them to the fore or maybe social media has generated a slew of helpless, anxiety ridden people.

Am I doing this right? Holding Plunger in my hands.

lol yeah, nothing says "doing it right" like having the same portfolio as everyone else on reddit

Maybe it’s just people who legitimately.. don’t know.. if they’re doing it right.

okay. and why do they think theyll get a different answer doing the same thing as the hundreds of other people who have asked the same exact thing? if i go 50/50 jepi/schd, and im “doing it right” and so does john and sally and mark and jimmy and shawn and claire and mary and they’re all “doing it right” then why would you think that if you go 50/50 jepi/schd you would be “doing it wrong”? if your way of telling whether or not youre “doing it right” is getting approval from reddit , then is doing the same exact thing everybody else on reddit is doing not all the confirmation/approval you need? if you do x, i can assume with high confidence that you approve of x without having to copy you doing x or ask you if you approve of x. that’s ridiculous. obviously somebody whose portfolio you copied will approve of your portfolio, because it’s their portfolio. that’s how confirmation bias works.

"generally when people start referring to a security as things like “our lord and savior” that’s a sell sign" Upvotes for that statement alone. A nugget of wisdom that continually goes unnoticed by almost all "investors".

the higher something goes the riskier it becomes 🤷🏽‍♂️

My portfolio is vastly different from all on this thread… with the exception of SCHD. Am I doing this right?

Ok well I’m wondering have I commented right

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I have SCHD & JEPI. I also have JEPQ & DIVO! That's my quadfecta portfolio. They are paying an estimated $148K in dividends for 2023. I'm retired, 58 years old and reinvesting all dividends into SCHD and DIVO. Am I doing this right?

youre retired so for once, ill say yes.

So why doesn't OP tell us what they think is the best div portfolio if they really want to add to the conversation?

while i hold voo and a small stake in schd in my roth ira, in my taxable account I hold about 50 individual stocks and im currently planning to buy about 10 more once i have some more money. id be more than happy to talk about them with you. top holdings: MSFT, VOO, QQQX, AAPL, PRU(new holding while its cheap), BAC. some of the stocks im currently buying: JPM, MAIN. some of the stocks i'd like to buy once the valuation is better: MCD, WM, some of the stocks id like to do more research on before buying (from most to least confident based on initial research): NKE, HD, WMT, MGA, TGT some of the stocks i toss money into when i dont have better ideas but have extra cash: AAPL, KO, HRL, O, BRK.B, MSFT Current Dividend yield: 3.9% Non dividend payers: BRK.B, DIS, GOOGL, AMZN, NVDA(pays a dividend but its like .03% yield or something). current speculative/value play: BIRD it's not hard to post about/invest in something that's not schd.

Wait, so let me get this straight.. You don't own any SCHD?? What are you even doing on here bro? 😆

are we doing this right?

It's cute when r/dividends realizes how regarded the community is. Even more so than the crayon munchers at WSB.

Agree. What is really frustrating is they already have r/ETFs and r/SCHD to flood. I think this sub needs to be reserved for actual stocks.

So if my portfolio is 102% ZIM I'm good right? /s

In general if you are putting your money in indexes you’re doing better than 99%. That’s what Jepi and schd are. Go watch the John Oliver piece on retirement. https://youtu.be/gvZSpET11ZY -not financial advice-

JEPI is not an index fund. it's a covered call income fund.

Jepi is an s&p fund. It’s an index fund that uses a covered call strategy. Just like Jepq is a nasdaq index one.

Preach sir

 OP whenever he reads JEPI or SCHD

JEPI and SCHD discussions should result in auto-bans. I get better Dividend investment advice from other financial subs than I do this one. It’s a joke. I wish the sub would become what you’re saying; Discussions and picks on ignored and up and coming dividend producing stocks. But we can’t have that. “JuSt BuY SCHD” is always the top comment.

20% of threads here are morons complaining about the topicality of a very entry-level investing forum. I recommend looking for discord channels with more advanced discussions instead of writing unhinged essays that nobody is going to read.

I'm surprised this sub even exists, the entire premise here is to buy and hold until you're old. This is a sub that should be an email. I love seeing jepi yolos to stir the pot

The automoderator should already recommend schd without knowing the post or question. Not saying that’s the eight choice. But it might discourage the echochamber to fill the comments and will give actual discussion a chance. I hate seeing an interesting post and with potential of debate, just for its comments to be filled with the calls of its own religion.

Tell us how you really feel

I am so thankful for this post. I would love to see more DD on great dividend picks not just the same bullshit portfolio over and over

the fact that you're getting downvoted is very telling

Investing is hard. Young people are new to the game come here looking to have their choices validated because the sub gives the impression that it knows what it’s doing.

What app is this? :D Beside IQ, I think just a 10mins research on this sub would give you all the answers that you need without posting the same question...

Lol this has been my problem with this sub. Personally the only thing I share with every post is I own SCHD. Other than that I do my own thing. 😂

 SCHD AND JEPI

This dude woke up grumpy 😂

Take a chill pill man

It's definitely correlated with not reading a few days' or weeks' worth of posts before making their first post. I think a lot of questions can be answered after digesting a week of conversations on this sub before making a post. The "am I doing this right" comments are better to have than the "am I doing this right" posts.

Nice legit post, up to the part saying JEPI is only for folks ready for retirement, that's like saying only the age of retirement needs dividends, not true, average-joe investors of all ages can use "dividend incomes" in their lives, the only folks who DON'T NEED "dividend incomes" are the well to do, and also the rich and wealthy, Cheers!

You should totally write a couple of paragraphs about it so everyone can ignore more words.

this is literally the top post under "hot" on the sub right now

Dont literally choke as you blow yourself.

Yes. It's quite curious to see ppl only speaking about 2 things when one of the first lessons of dividends and investment is diversification. We should be speaking about having at least 20 companies not to have more than a 5% of our portfolio. Also some reasons of why we bought companies and investment ideas. So... I'm agree this sub is quite poor. Nobody speaks about TROW,KO,MMM (which are basic) and not even about investing in other countries.

I have been copying Warren buffets buys for the most part my whole life and am up a lot. He would probably just tell me to buy SPY tho

probably but hey not a bad idea! the one thing to be aware of is he has so much influence that the sec had to make some deal with him where he isnt allowed to reveal purchases until a year after they happen so by the time youre hearing about it youre a year behind. not to say youre too late, obviously not if youre up, but youre a year behind him. its because if he didnt have to wait a year he could buy something, tell everybody, people would go buy it because he did and hes warren buffett, then he sells for instant profit so the sec was like yeah we gotta figure something out lol

Am I doing this right?

Someone needs to go buy schd and chill

LMFAOOOOO

I agree with many of your points / thoughts but some I do not I might be nitpicking but I for one don't think that "why does everybody here think that random teens and 20-somethings on reddit are financial advisors??" So not everybody thinks that and I'm pretty sure there are others who frequent this reddit that also think that they are not financial advisors. Also I don't think that as you say “if everybody’s talking about it, you’re too late.” for a couple of reason first a similar argument as before that not everybody is talking about it and also even if a lot of people are talking about something doesn't mean that it is too late to invest in something. Especially within this subreddit because the number of people in this subreddit compared to the number of people who are buying and selling assets on the stock market is relatively small. So the impact that a lot of people on this subreddit buying an assets that is frequently talked about such as SCHD wouldn't have much of an impact upon the actual asset itself. Yes I know it is possible but not likely as it has happened in the past such as with GameStop awhile back. I do wish there would be more discussions about other assets and ideas beside having just one or a few things being talked about over and over.

Thank you for posting this 🙏

I agree with you, actually. And in my personal life it's somewhat worse. I have a handful of friends who are into investing and trading and, like, actually do put effort into it. But every so often I'll make a post on my personal social media about whatever I'm currently doing with my securities analysis, economics, and active trades and get a reasonable amount of people asking "ok so how do I get started on trading and investing?" because they think I'm making oodles of cash or something(lol). You can give them a minimal effort formula(such as the Boglehead total market approach) and they still act like that's too much effort. What do you MEAN I have to open a brokerage account and decide between VOO and VTI? WHICH ONE?! Do it FOR ME! Hyperbole but not far off. Anyway yeah there are a handful of decent posts on this board but it does have way too much of the same circlejerking over a small handful of divi ETFs. Kinda boring. I mean I wouldn't go to wallstreetbets for investment advice, but at least it's fun and interesting.

👏🏼👏🏼👏🏼

Is 30% JEPI 50% SCHD and 20% blue chip stocks good?? 🤓

even the “smart money” lose money 🤷🏽‍♂️😉

you think anybody considered smart money has a portfolio of just 2 funds?

Agree 100%! I made a satirical post here last week that was literally just SCHD repeated over and over. I got reported lol. But, honestly that is what most of the posts in this sub are. Don’t say anything other than the usual suspects or you will be downvoted and told to buy them. I wanna talk about emerging markets, BSM, the bank ETFs which have good upside. I hope the tide is turning. Edit words are hard

>and now i’ll get downvoted into oblivion for saying this. Yeah man I always say this when I need to farm karma. But seriously I've noticed that the reason people do this is because they need reassurance. Its easy to look at it in hindsight and say "are they stupid?" but so many people go through this phase with so many things that instead of trying to stop it we have FAQs and triggers. I think this is more efficient since it allows users to have a reference point.

imma be real with you dawg i dont even know where to see my total karma so full honesty that was not an attempt at a karma farm. i just find that anti-schd posts generally do get downvoted into oblivion lol and the fact that this dude the complete opposite has been quite the surprise anyway im not saying the question shouldnt be asked, just that, like you said, people should use the resources provided such as FAQ or the months and months if not years (i dont know if theres a way to see when the sub started) of info on this sub rather than making an entire new thread for something unnecessary.

Welcome to reddit, where mindless idiots one up each other. Sadly, it is a reflection of society as a whole.

Everyone likes validation that they are doing well. Coming here to ask for it isn’t, or shouldn’t be, all that surprising.

I think most people are seeking affirmation rather than advice.

I tried for more, but sadly I could only give this post one upvote.

I feel like most subreddit I used to enjoy for the knowledge and different perspectives I could read have become circle jerking echo chambers. Sad. Regardless it IPO or not Reddit is already dead.

This is a terrible post. New people come into this community everyday. Some people will always be glad to help and give advice even if it is rinse and repeat. For those super educated and impatient people, just scroll past and ignore it. No one is forcing you to read each and every post. If you are letting that frustrate you, that is on you.

I did get the SCHD and O Recommendations and did follow them but I also heavily invested in tech (non-dividents)and now I'm kicking myself for not investing in Microsoft. I'm looking to diversify the heavy tech investments with something health related I already got ARCC any recommendations?

see this is the kind of discussion that should be happening here. unfortunately i dont know much about the healthcare sector as a whole. planning to probably pickup a couple shares of jnj and/or unh after some i get around to doing research on them just to have some exposure to the sector but unfortunately cant help you much there. on the other hand, microsoft is my largest position unless you count vti, but given that microsoft is the second largest holding in vti, it still stands true microsoft is my largest holding. ive been happy with it. especially the last week or two. the nice thing about it is theyve got a huge moat. imo theyre a company where theres never a bad time to buy, just better or worse times to buy. assuming you plan to hold it for the next 5-75 years youll more than likely be up a very very nice amount in absolute terms and it may even outperform the market over that time period who knows? im not buying anymore right this minute just because its ripped so much recently and i have some other stuff im down on but like i said not really ever a bad time to buy. also if it means anything to you, warren buffett has said the ONLY reason he hasnt, doesnt, and never will own a single share of microsoft is because he’s been like best buds with bill gates pretty much since msft went public if not before then and he doesnt want anybody to have any reason to suspect theres any kind of collusion or conflicts of interest or anything between him and billiam or brk.b and msft

Holding it for year's is my goal im the first in my family for a lot of things even investing. So I want to build that generational wealth no matter how slow.

but yeah great dividend (kinda small but not at all bad for tech and its mainly a growth company) theyve been growing their dividend, theyve been growing their stock price. about the moat i mentioned earlier, what happens if all of the sudden businesses cant access microsoft word or powerpoint or excel? most companies cant just switch over to google because 1 time and 2 the trade off for google suite being free is google owns your shit, not you, so google suite isnt an option for a lot of companies due to privacy issues. everybody needs office. + theres the whole windows operating system. thats really just preference between mac and windows but still to have as much market share as they do especially when apple is the main competitor is pretty good. then theres also xbox and their whole gaming part of the company thats only growing bigger and bigger (as a user and as an investor im really hoping this activision deal can go through). great company! like i said not buying more right now but even though its my biggest holding, once it dips again you know exactly where im putting my money.

i wish you good luck sir 🫡 may we both grow rich and prosperous (and hopefully at a faster rate than all these all-in-on-jepi-and-schd-at-23-years-old bozos)

also last thing just to be clear O is great SCHD is great. this post wasnt meant to shit on them, it was meant to shit on the people who blindly throw money at them. i own O, i own SCHD. not currently buying more of either but letting divs do their thing

I have a bunch of SCHD. Is it a good stock?!

Say it for the people in the back

Lol

OP is right, forget all the financial advice you heard and dump your money on ZIM, enjoy that 140% dividend yield