$62,743 yr from SCHD

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Date: October 22, 2025

30 thoughts on “$62,743 yr from SCHD

  1. The top 10 stocks in the S&P 500 account for 40% of the index’s market cap. Since ChatGPT launched in November 2022, AI-related stocks have registered 75% of S&P 500 returns, 80% of earnings growth, and 90% of capital spending growth. Meanwhile, AI investments accounted for nearly 92% of the U.S. GDP growth this year. Without those AI investments, Harvard economist Jason Furman noted, growth would be flat. As Ruchir Sharma concluded in the Financial Times, “America is now one big bet on AI,” – maybe makes a case for your SCHD bet. and also shows why it's flat for the year minus the dividends. just intersting data!

  2. I wouldn’t switch strategies now. One possible scenario is that as soon as you move a big chunk of your portfolio out of SCHD and into SP500 or QQQ, the market tanks and you’re going to have a ton of regrets. I think a reasonable strategy would be to continue investing into SCHD same as you have been, but turn off DRIP and use the SCHD dividends to buy S&P or total US stock market

  3. I’m a little bit surprised you haven’t ventured into something like a VGT or QQQ… I know you’re looking for income, but I think you could build a nice little multi-six figure portfolio in one of those over the next say 10 years.

    If you don’t DRIP your dividends for two, years with similar performance you’re looking at around 900K – 1MM

    At SCHD’s current yield that’s another 35K ish in your annual dividends or around 90-100K in total. Still a ways from your 250K goal, but I imagine as the business continues to succeed, and the growth rate improves on the dividend, you might not be far off. Everything can be accelerated assuming additional contributions

    My two cents haha, but whatever you’re comfortable with is the right answer!

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