Schwab US Dividend Equity ETF (ARCA: SCHD)

Últimas noticias sobre Schwab US Dividend Equity ETF (ARCA:SCHD)

Schwab US Dividend Equity ETF

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To pursue its goal, the fund generally invests in stocks that are included in the Dow Jones U.S. Dividend 100 Index. The Dow Jones U.S. Dividend 100 Index is designed to measure the performance of high dividend yielding stocks issued by U.S. companies that have a record of consistently paying dividends, selected for fundamental strength relative to their peers, based on financial ratios. The 100-component index is a subset of the Dow Jones U.S. Broad Market Index, excluding real estate investment trusts (REITs), master limited partnerships, preferred stocks and convertibles. It is modified market capitalization weighted.

Lockheed Martin Corp

Abbvie Inc.

Home Depot Inc/The

Blackrock Inc.

Amgen Inc.

Cisco Systems, Inc.

Coca Cola Co.

Texas Instruments Inc

Chevron Corporation

Pfizer, Inc.

Bristol-Myers Squibb Co

Verizon Communications Inc Common Stock Usd 0.1

Pepsico Inc.

Conocophillips Co

Altria Group Inc.

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SCHD

Las 10 mejores participaciones en dividendos de un jubilado de Reddit, que vive cómodamente de los pagos de dividendos.

Jubilado comparte sus 10 principales participaciones en dividendos para una jubilación cómoda

Reddit Inc. RDDT

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Invertir en acciones y fondos es una de las formas más poderosas de construir 

¿Cómo invertir $250.000? Reddit debate entre acciones, ETF y criptomonedas

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Verizon asegura contrato de 4M$ y destaca nueva infraestructura de seguridad

Building wealth through <a href="https://www.benzinga.com/personal-finance/25/04/44804226/can-you-live-off-dividends-investor-pulls-500-month-from-178k-portfolio-i-feel-more-comfortable-this-way-with-these-6-stock-picks">dividends</a> isn&#8217;t an overnight success, but rather work that requires relentless discipline, patience, consistency, and the power of compounding. While many chase quick gains, the real magic happens when investors commit to a long-term <a href="https://www.benzinga.com/news/25/02/43901059/ray-dalios-holy-grail-investment-strategy-why-10-15-diversified-investments-could-make-you-a-fortune">strategy</a>, reinvesting dividends and steadily growing their portfolios over decades.
One investor&#8217;s recent milestone proves just that: a $1 million portfolio generating $4,000 a month in passive income, all starting from humble beginnings of just $50 a month.
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The investor, who is nearly 40 years old, shared on Reddit that he began his journey at 20 but only started taking investing seriously in his mid-20s. His early contributions were modest, around $20 to $50 a month, but over time, he increased his monthly investments to an average of $300, and now invests approximately $2,000 to $2,500 monthly.
Despite market volatility, he said he&#8217;s focused on the long game: &#8220;It's hard to see my portfolio plummeting, but I then remember myself I'm playing a long game. I'm not in a hurry, the administration will change and markets will become green eventually. They did in the past every single time.&#8221;
The investor's portfolio consists of a mix of ETFs, real estate investment trusts, and blue-chip dividend stocks. Let&#8217;s take a closer look at each holding, why investors favor them, and their current dividend yields.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
<h2 class="wp-block-heading">A $1 Million Portfolio Generating $4,000 a Month Dividend Income–Redditor Shares Top Holdings</h2>
Schwab U.S. Dividend Equity ETF
Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) is a fan favorite among dividend investors because it tracks a high-quality index of U.S. companies with strong, consistent dividend payouts. It focuses on companies with solid fundamentals like high return on equity, low debt, and consistent growth. SCHD pays investors around 4.05% in dividend yield annually.
JPMorgan Equity Premium Income ETF
JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>)​ offers an attractive yield by combining blue-chip U.S. equities with an options overlay strategy that generates extra income. It's especially loved by retirees and income seekers who want stability and high cash flow without taking massive risks. JEPI generates around 7.88% in annual dividend yield.
Realty Income Corporation
Realty Income Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/O#NYSE">O</a>) is a real estate investment trust that owns commercial real estate leased to big, stable tenants like Walgreens and FedEx. It has a legendary track record of paying monthly dividends for over 25 years straight. O is beloved by income investors for its predictability and real estate-backed stability and pays approximately 5,68% in dividends per year.
Ares Capital Corporation
Ares Capital Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARCC#NASDAQ">ARCC</a>) is a business development company that lends to and invests in middle-market companies, earning high interest in return. Investors love ARCC for its high yield and consistent income, even if it comes with slightly higher risk. ARCC generates around 9,49% in dividends per year.
Public Storage
Public Storage (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PSA#NYSE">PSA</a>) is the king of the self-storage real estate investment trusts, operating thousands of storage facilities across the U.S. PSA it's a favorite among long-term real estate investors because of its stable cash flow, low overhead, and high margins. The company pays investors approximately 4,13% in dividend income annually.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
SPDR S&amp;P 500 ETF Trust
SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) is the original S&amp;P 500 ETF, offering diversification across 500 of the biggest U.S. companies. It's not known for high yield, but investors hold it for long-term growth and market exposure. SPY generates approximately 1.33% in annual dividend yield.
Altria Group
Altria Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MO#NYSE">MO</a>) offers a sky-high yield and stable cash flow from its tobacco empire. Despite regulatory headwinds, it continues to generate enormous profits and share them with investors. Some also speculate on growth via its cannabis and nicotine-alternative investments. MO pays 7,06% in dividend income per year.
PepsiCo
PepsiCo (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>) owns massive snack brands like Doritos, Quaker, and Lay's. Its diversified business model makes it recession-resistant, and it's a dividend aristocrat with over 50 years of dividend growth. Investors love its global reach, brand strength, and reliable, growing dividend payouts, which are now around 3,76% per year.
Johnson &amp; Johnson
Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>) is a healthcare titan with business lines in pharmaceuticals, medical devices, and consumer health products. It has one of the longest dividend growth streaks and is considered ultra-defensive. JNJ is a go-to for investors wanting both stability and a safe, growing income stream through dividends, which now sit at around 3.14% per year.
Verizon Communications
Verizon Communications (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>) provides essential telecom services, with a massive nationwide infrastructure and millions of customers. While growth is slow, its cash flows are enormous, and it pays a very generous dividend. VZ pays investors around 6,08% in dividends.
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Image: Shutterstock

ARCC

JEPI

From $50 A Month To $1M Portfolio — Investor Shares Top 10 Holdings, Says 'Finally Reached $1M!' Thanks To Relentless Discipline

It&#8217;s been a week since the <a href="https://www.benzinga.com/etfs">Schwab U.S. Dividend Equity ETF</a> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) jumped 5.39% by afternoon in a surprise midday rally, up from an intraday low of $23.88 to a high of $25.79, before closing further up at $25.87. The price has remained elevated, albeit 1.7% lower than last Wednesday.
Also Read: <a href="https://www.benzinga.com/etfs/broad-u-s-equity-etfs/25/04/44824711/etfs-for-the-brave-are-these-high-octane-funds-your-best-bet-to-ride-an-upward-market-">ETFs For The Brave: Are These High-Octane Funds Your Best Bet To Ride An Upward Market Swing?</a>
The spike, which caught traders off guard after a relatively quiet morning of April 9, suggested a potential surge of institutional buying or tactical reallocations—possibly tied to rebalancing or changing interest rate expectations.
While the specific volume figures have not yet been validated, the distinctive price action was noteworthy, particularly relative to key benchmarks such as the S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) and the Invesco QQQ Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>), both of which also had positive momentum that day. Neither one, however, even came close to SCHD&#8217;s stunning percentage increase.
Market observers suspect this action could be indicative of a wider value and dividend-rich stock rotation, as inflationary anxiety and interest rate uncertainty drive investors onto firmer ground. With mega-cap growth leaders such as Apple (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>), Amazon (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) and Meta (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) experiencing double-digit intraday gains, sentiment among ETFs was positive. However, SCHD&#8217;s strength could also be an indicator of something more profound: a reversion to fundamentals.
A Decade Of Discipline: Why SCHD Matters Now
While Wall Street weathers yet another round of tariff-induced volatility, investors yearn for consistency. Boasting a 3.96% SEC 30-day <a href="https://www.schwabassetmanagement.com/products/schd">yield</a>, dividend <a href="https://stockanalysis.com/etf/schd/history/">yield </a>of 4.09%, a sub-0.06% expense ratio, and a long-term value-oriented approach, SCHD has quietly established itself as a steady performer in trying times.
Following the Dow Jones U.S. Dividend 100 Index, SCHD filters for U.S. stocks with 10 or more years of unbroken dividend growth, sorting them by financial stability, cash flow health, return on equity and dividend track record. The outcome? A concentrated portfolio of dividend champions such as Chevron (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVX#NYSE">CVX</a>) and Altria (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MO#NYSE">MO</a>)—names that have performed better than broader benchmarks through previous crises, including the 2008 meltdown.
Structure Built For Stability
SCHD&#8217;s durability is supported by its diversified strategy. Diversified over 103 holdings in seven sectors—financials (19%), healthcare (17%) and consumer staples (14%), the ETF is sector-diversified while remaining underweight in tech, which overhangs competitors such as the S&amp;P 500, where tech companies alone constitute almost 30%.
This conservative bias translates to a lower beta of 0.81 (a beta of less than 1 means lower vulnerability to volatility) and less downside risk. During previous downturns, staples sectors fell only 20% versus 30%+ declines in tech-heavy indexes, according to Money Morning. When Nvidia (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) fell 17% earlier this year, SCHD remained steadfast, thanks to its sector capping (no sector >25%) and single-stock exposure limits (no stock >4%).
What&#8217;s Next?
SCHD&#8217;s performance will be shaped by the prospects of its current holdings. Among those with high upside potential are:
Inter Parfums (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IPAR#NASDAQ">IPAR</a>)
Murphy Oil (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MUR#NYSE">MUR</a>)
Kforce (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KFRC#NYSE">KFRC</a>)
Conversely, some caution is perhaps justified with:
CNA Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CNA#NYSE">CNA</a>)
The Hershey Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HSY#NYSE">HSY</a>)
Watsco (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WSO#NYSE">WSO</a>)
Bottom Line
SCHD doesn&#8217;t pursue hype; it accumulates quietly through consistency. With $65.6 billion in assets and a 53% 5-year total return, it continues to provide a compelling combination of income, value and stability. Its dividend payout ratio of 61.07% and its 16.67% dividend raise last year highlight the fund&#8217;s power of income.
In a world where sentiment and speculation wildly fluctuate, SCHD is a north star for long-term investors because it provides not just peace of mind but reliable outcomes.
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AMZN

IPAR

KFRC

The Dividend ETF That Just Woke Up And Why Investors Are Watching Closely

Investing in dividend-paying <a href="https://www.benzinga.com/markets/25/03/44196217/53-year-old-with-200k-to-invest-seeks-best-stocks-for-retirement-should-i-go-all-in-on-etfs-or-bet-b">stocks</a> has long been a cornerstone strategy for investors seeking both stability and <a href="https://www.benzinga.com/markets/25/02/43679558/how-this-39-year-old-with-no-college-degree-built-passive-income-streams-that-pay-18-000-per-month">passive income</a>.
Unlike high-growth stocks, which rely heavily on capital appreciation, <a href="https://www.benzinga.com/markets/25/02/43437228/dividend-investor-earning-over-10-000-a-month-shares-top-6-stock-picks-money-coming-without-working">dividend</a> stocks provide regular cash payouts, making them particularly attractive for those who prioritize consistent returns over speculative gains.
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Many investors, especially those approaching retirement or looking for lower-risk strategies, favor dividend stocks for several key reasons, such as predictable cash flow, lower volatility, compounding growth, and because they provide an inflation hedge.
A recent Reddit post highlights how even younger investors are incorporating dividends into their strategies. The poster, a 23-year-old with a $178,627 portfolio, shared that he is generating $6,286 annually in dividends, or about $500 per month. His holdings include a mix of ETFs and individual stocks, which balances his portfolio by providing both income and long-term growth potential.
He explains his preference for stability, stating, &#8220;I feel more comfortable this way.&#8221;
Trending: The secret weapon in billionaire investor portfolios that you almost certainly don't own yet. <a href="https://www.benzinga.com/money/masterworks">See which asset class has outpaced the S&amp;P 500 (1995-2024) – and with near-zero correlation.</a>
Let's take a closer look at each of his current investments and why they might appeal to income-focused investors.
<h2 class="wp-block-heading">This Investor&#8217;s Assets Generate $500/Month From a $178K Portfolio</h2>
Schwab U.S. Dividend Equity ETF
Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) tracks high-quality U.S. dividend-paying stocks and has a history of consistent payouts and strong financial health. SCHD is a favorite among dividend investors because of its low fees and focus on companies with growing dividends. The company pays investors around 4.22% in dividends per year.
Realty Income Corporation
Realty Income Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/O#NYSE">O</a>) is known as "The Monthly Dividend Company," because it pays dividends on a monthly basis. O is a real estate investment trust that leases commercial properties, and due to its payment system, it is ideal for investors seeking frequent income. O generates a dividend yield of approximately 5,98% per year.
SPDR S&amp;P 500 ETF Trust
SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) is the largest and most traded ETF in the world. While not a high-yielder, SPY provides broad exposure to the S&amp;P 500, offering growth potential alongside modest dividends. It's a core holding for long-term investors. SPY pays investors 1.39% in annual dividends.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.55 per share now</a>.
PepsiCo
PepsiCo (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>) is a global food and beverage giant, known for its main soda business as well as snacks. A Dividend Aristocrat, PEP has raised its payout for over 50 consecutive years. Its strong brand portfolio ensures steady cash flow. PEP generates around 3,75% in dividends per year.
Altria Group
Altria Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MO#NYSE">MO</a>) is a tobacco giant with a long dividend history. MO is often seen as a high-yield dividend play with consistent cash flows, which allows it to pay investors around 7,26% in annual dividends.
Crown Castle
Crown Castle (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCI#NYSE">CCI</a>) is a real estate investment trust that owns and operates cell towers and fiber networks across the U.S., playing a major role in mobile and 5G infrastructure. Investors love CCI because it offers a mix of dividend income and exposure to the fast-growing communications infrastructure space. CCI generates approximately 6,61% in yearly dividends.
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<li>Inspired by Uber and Airbnb &#8211; Deloitte's fastest-growing software company is transforming 7 billion smartphones into income-generating assets &#8211; <a href="https://www.benzinga.com/money/mode-mobile-2">with $1,000 you can invest at just $0.26/share!</a></li>
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Can You Live Off Dividends? Investor Pulls $500/Month From $178K Portfolio – 'I Feel More Comfortable This Way' With These 6 Stock Picks

<a href="https://www.benzinga.com/personal-finance/25/04/44658629/23-year-old-investor-with-75k-portfolio-1-8k-dividend-income-reveals-top-assets-asks-what-i-should-look-at-or-add-to-reddit-debates">Dividend</a> investing has long been a favored strategy for those seeking passive income and long-term <a href="https://www.benzinga.com/personal-finance/25/03/44348490/how-does-your-wealth-stack-up-against-your-peers-heres-the-net-worth-youll-need-to-be-among-the-">wealth</a> growth.
Unlike depending solely on capital appreciation, dividend-paying stocks and funds provide regular cash payouts, allowing investors to compound their returns by reinvesting dividends or using them to cover expenses. Many investors are drawn to dividends because they offer a tangible return, namely getting paid simply for holding shares.
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<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
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A disciplined strategy that entails buying consistently, reinvesting dividends, often through dividend reinvestment plans, and holding for the long term can turn even modest monthly contributions into a notable income stream over time. This strategy, often called the &#8220;snowball effect,&#8221; leverages compounding to boost portfolio growth.
One investor who has adopted this method is a 34-year-old Reddit user who has grown his portfolio to $114,000 in just five years by investing as much as he could through a dividend reinvestment plan. In turn, his portfolio is now generating $700 to $800 in monthly dividends. His goal is to eventually live off his dividend income while continuing to grow his investments.
Trending: If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?
The investor keeps this portfolio in a taxable brokerage account for flexibility, allowing him to access the dividends if needed, although he mentioned that wasn't the case so far.
&#8220;I&#8217;m planning on retiring in 15 years. My next goal is $1,000 a month. I'm in the process of growing a business and it would be nice to be able to pay a couple of bills with my dividends if I ever need to (hasn't happened yet). I'm much more likely to save and reinvest every month because I get paid every month, how fun is that? It doesn't have to be the most optimal but it's definitely great motivation to keep the snowball rolling,&#8221; he wrote on Reddit.
The investor's portfolio consists of three key ETFs, each offering a different mix of income and growth. Let&#8217;s take a closer look at each below.
<h2 class="wp-block-heading">From $0 to $114,000 in 5 Years: Breaking Down Investor&#8217;s Main 3 Dividend Holdings</h2>
Schwab U.S. Dividend Equity ETF
Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) is a passively managed ETF that tracks the Dow Jones U.S. Dividend 100 Index. It focuses on high-quality U.S. companies with strong dividend histories and solid fundamentals like consistent cash flow and strong balance sheets. SCHD is loved by investors because it has a long-term performance, a low expense ratio, and a long, solid history. The ETF generates approximately 4.22% in dividend yield per year.
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JPMorgan Equity Premium Income ETF
JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>) combines equity investing with an options overlay strategy. It holds U.S. large-cap stocks and writes covered calls to generate extra income. This creates a high-yielding, lower-volatility product while also maintaining some exposure to stock appreciation. It's ideal for investors seeking above-average yields with lower volatility than pure equity funds. JEPI pays investors around 8.14% in dividends per year.
JPMorgan Nasdaq Equity Premium Income ETF
JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JEPQ#NASDAQ">JEPQ</a>)​ is similar to JEPI but focused on Nasdaq-100 stocks. The ETF combines growth tech exposure with income generation through options strategies, making it riskier due to its tech concentration and shorter track record. JEPQ also uses covered calls for income, making it a high-yield ETF with exposure to growth sectors. Investors get paid around 11.94% in annual dividends.
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JEPQ

From $0 To $114K In 5 Years: 34-Year-Old Investor Says 'I Buy As Much As I Can Every Month' – Aims To Live Off Dividends, Shares Top 3 Picks

<a href="https://www.benzinga.com/25/03/44380933/investor-with-40000-portfolio-wonders-if-he-should-pick-dividend-investing-or-growth-first-would-you-prioritize-dividends-or-growth">Dividend investing</a> is often seen as a safer way to generate passive income, especially compared to high-growth but volatile <a href="https://www.benzinga.com/trading-ideas/25/02/43578212/benzingas-stock-whisper-index-5-stocks-investors-secretly-monitor-but-dont-talk-about-yet-53">stocks</a>. Funds like Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>), JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>)​, or JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JEPQ#NASDAQ">JEPQ</a>)​ offer yields between 4% and 10%, meaning a $230,000 investment could theoretically produce around $766 to $1,900 per month.
Many investors, when approaching <a href="https://www.benzinga.com/personal-finance/25/02/43784108/millions-of-americans-could-get-up-to-1000-a-year-under-new-retirement-match-program">retirement</a>, start to consider balancing their portfolios so there&#8217;s a mix of security and growth, with more emphasis on security. But what happens when that retirement stability is threatened by something you have no control over even before you can create it?
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A 45-year-old investor is facing this exact difficulty: he has a tax-free payout coming with the option to take a $230,000 lump sum now or secure a pension of $800 per month, which would be indexed to inflation for life. He is considering taking a good part of the sum and investing it into assets that generate dividends but is wondering whether there are investments that will pay him the same sum the pension would.
&#8220;If I take $200,000 of that and shove it into mostly stuff that pays a dividend? How likely is it to produce as much as the fixed amount or more? I'm worried that I'll lock my money away and only end up getting a few hundred per month; I really need the dividend to help supplement my income,&#8221; he wrote on Reddit.
Reddit's finance-savvy commenters have jumped to the comment section to offer their recommendations and pieces of advice for the investor, so let&#8217;s see what they suggest.
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<h2 class="wp-block-heading">$230K Lump Sum Vs. Lifetime Pension: Reddit&#8217;s Finance-Savvy Commenters Weigh In</h2>
Take the Lump Sum
Many Redditors argued that taking the lump sum offers flexibility, whether for higher returns, legacy planning, or inflation protection.
&#8220;The value of cash in hand now is more valuable than the promise of cash in the future. If you&#8217;re ok with taking a little more active role in managing it, I&#8217;d say take the lump sum. Easily doable to earn +5% returns on it. Plus, whatever you don&#8217;t need you can reinvest and let it compound to grow it even faster,&#8221; a commenter advised.
Highlighting inflation risk, this Redditor also suggested the poster takes the lump sum: &#8220;At a 3% inflation rate, cash loses half its value in 24 years (rule of 72 &#8211; dividend 72 by the rate of inflation). The smart money takes the lump sum every time.&#8221;
A Redditor shared his real-life success story that started in a very similar way to the poster&#8217;s, saying that he took the lump sum, invested it, and is now enjoying $1,700 in dividend income, and has also seen principal growth.
&#8220;I was faced with a very similar scenario in life about 10 years ago. Had $200,000 coming as a lump sum or take $780 per month for life. After doing some math it was a no-brainer I took the money. After investing the money I was able to realize $800 a month in income at that time. The principal grew in addition to the income, and today in 2025 I have $1,700 a month in income from the same principal. Plus, the principal grew to over $360,000,&#8221; he shared.
See Also: Can you guess how many Americans successfully retire with $1,000,000 saved?<a href="https://www.benzinga.com/money/1milsaved"> The percentage may shock you</a>.
Dividend ETFs and Bonds Can Match or Exceed the Pension
Several commenters argued that a well-structured dividend portfolio could outperform the $800 per month pension, especially with current bond yields and high-dividend ETFs.
&#8220;If you take the $230,000 in lump sum and bury it in your backyard, you would be able to take $800 a month for just shy of 24 years. That&#8217;s without investing in anything. That puts you at 69 years old. If you invest it in some super safe bonds at 3%, take $800 a month and you will have ~$97,000 at the end of 30 years. Puts you at 75 years old. If you step up the risk and invest part of the money in dividend growth stocks as well as some bonds, then the probability goes up for either increasing the monthly withdrawals down the road or having more left when you pass,&#8221; a Redditor wrote.
Replying to the above comment, this user suggested that bonds alone could beat the pension: &#8220;I like that you put it out there like that for him. However, one thing I would like to point out, 4.625% is the 30-year bond rate right now. So that is $10,637.50 a year or $886.45 a month and still leaves you with the $230,000 at the end of it.&#8221;
&#8220;Take the $230,000 and put it in a dividend ETF that pays 4% to 5%. That&#8217;s $750 to $950/month-ish,&#8221; a Redditor said.
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Retirement Nightmare? 45-Year-Old Weighs $230K Lump Sum Vs. Lifetime Pension – 'Are Dividends A Good Idea For Me?' Reddit Reacts

Investing money into dividend stocks can result in steady cash flow. Gradually putting money into these investments will increase your dividend income over time, but some people receive a windfall of cash that they can deploy right away.
One Redditor finds themselves in that position. The individual is set to have $10,000 sometime next week and has been following the Dividends subreddit for a while. Now, after consuming content from the group for a while, the Redditor is <a href="https://www.reddit.com/r/dividends/comments/1juckoh/10k_invest/">looking for advice</a>.
"I'm looking for a decent yield and a little growth," the Redditor explained when asking for recommendations.&nbsp;
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In addition to the immediate $10,000 investment, the Redditor aims to invest $250 each month. Other Redditors shared their thoughts in the comments.
<h2 class="wp-block-heading">Stagger The $10,000 Investment&nbsp;</h2>
One commenter suggested staggering the $10,000 investment instead of putting it all into the market at once. This approach can help the Redditor capitalize on any price dips instead of unloading all of their capital and watching their assets lose value.
Many investors on Reddit seem to be jittery about the recent trade war. The popular consensus on Reddit is that the market will continue to tank, and that fear showed up again in the comments.
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An investor who wants to dollar cost average as the market goes down may want to consider breaking the $10,000 investment into several investments. The amount of times you break down the $10,000 should depend on your risk tolerance, your thoughts about current prices, and what you think the stock market will look like in five to 10 years.
<h2 class="wp-block-heading">Accumulate ETFs That Align With Your Financial Goals</h2>
The original poster mentioned some ETFs and received comments that suggested some ETFs as well. The Schwab US Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) was the first ETF the original poster mentioned. It's no surprise to see SCHD mentioned in the Dividends subreddit since it seems to be a fan favorite.
The SPDR S&amp;P 500 Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>), JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JEPQ#NASDAQ">JEPQ</a>), and the JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>) were some of the other ETFs that were mentioned in the post and the comments.&nbsp;
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However, these recommendations don't mean much since we don't know much about the Redditor. One of the top commenters pointed this out.
‘What to invest in depends a lot on your personal situation. You didn't provide any details about age, income, investment objectives (other than decent yield and a little growth, which is a relative idea), risk tolerance, jurisdiction, investment currency, etc., so it's hard for any meaningful advice to be given."
The best stocks and ETFs for one person may be different from the best assets for another person. Some people pursue high-yield stocks as they get closer to retirement, while others buy growth stocks when they are younger to maximize their potential returns. Personal details like risk tolerance and income play a role in which stocks and ETFs make sense for you.
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An Individual Is Ready To Invest $10,000 And Turns To Reddit For Advice: 'I'm Looking For A Decent Yield And A Little Growth'

President Donald Trump's tariffs against America's trading partners and the subsequent retaliatory measures from China and Europe resulted in major losses for investors across the globe, with no end to volatility in sight. Trade tensions may ease amid expected deals between key countries, but prudent investors are rethinking their long-term strategies.
Dividend stocks have gained significance in this period of market turbulence because of their strong history. A March <a href="https://www.spglobal.com/spdji/en/documents/research/research-sp500-dividend-aristocrats.pdf">report</a> from S&amp;P Global showed that dividends have accounted for about 31% of the total S&amp;P 500 returns since 1926.
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A few weeks ago, a dividend investor<a href="https://www.reddit.com/r/dividends/comments/1jic07f/retired_in_2021/"> shared</a> his income report and portfolio details on r/Dividends — a Reddit community with over 700,000 followers. The portfolio screenshots shared by the investor showed he was making about $9,250 per month, or $111,100 annually, in dividends. His total portfolio yield was about 2.3%.&nbsp;
"Dividends and interest cover 60% of expenses. Decent growth without huge volatility," he said.
The investor, 58, said he was a software engineer in Silicon Valley and retired in 2021. He said his goal is to cover his expenses of $15,000 per month with dividends by 2030.&nbsp;
"YOLO'd tech stocks in my IRA," the investor said, referring to the social media slang for taking a bold, high-risk approach.
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Let's take a look at some of the key holdings in the investor's portfolio.
iShares Short Treasury Bond ETF&nbsp;
The iShares Short Treasury Bond ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SHV#NASDAQ">SHV</a>) gives investors exposure to US Treasury bonds with remaining maturities of one year or less. SHV is suitable for investors looking for low-risk funds to preserve capital and earn income.&nbsp; The investor said SHV accounted for about 5% of his total portfolio.
iShares Core U.S. Aggregate Bond ETF
iShares Core U.S. Aggregate Bond ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AGG#NYSE">AGG</a>) was another key bond ETF in the investor's portfolio.&nbsp; The fund tracks an index composed of investment-grade US bonds.
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&nbsp;Schwab U.S. Dividend Equity ETF
The investor earning about $9,000 in monthly dividends had Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) in his portfolio. Schwab U.S. Dividend Equity ETF tracks the Dow Jones U.S. Dividend 100 Index and provides exposure to some of the top dividend stocks trading in the U.S., including Verizon (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>), Coca-Cola (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KO#NYSE">KO</a>), ConocoPhillips (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COP#NYSE">COP</a>), Lockheed Martin (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>), PepsiCo (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>) and Chevron (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVX#NYSE">CVX</a>).&nbsp;
iShares Core S&amp;P 500 ETF
The investor making $9,000 a month in dividends said about 60% of his portfolio was allocated to the iShares Core S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IVV#NYSE">IVV</a>). The fund tracks the S&amp;P 500 Index and yields about 1.2%. It provides investors exposure to some of the biggest companies in the world, including Nvidia (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>), Microsoft (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>), Apple (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>), Meta Platforms (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>), Amazon (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) and Alphabet (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>, GOOGL)), among others.
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Software Engineer Making $9,000 a Month in Dividends Shares Portfolio, Says He 'YOLO'd Tech Stocks in IRA'

Investment giant BlackRock, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BLK#NYSE">BLK</a>) stock is trading higher after the company <a href="https://www.benzinga.com/pressreleases/25/04/b44757014/blackrock-reports-first-quarter-2025-earnings" target="_blank" rel="noreferrer noopener">reported first-quarter 2025 results</a>.
Revenue grew&nbsp;12%&nbsp;year over year (Y/Y) to&nbsp;$5.28 billion, missing the consensus of&nbsp;$5.60 billion.&nbsp;
Investment advisory, administration fees and securities lending revenues increased to $4.4 billion from $3.8 billion a year ago, led by higher organic base fees, the impact of market beta on average AUM, and around $285 million of fees related to the GIP Transaction.
Technology services and subscription revenue rose to $436 million from $377 million the prior year, led by continued demand for Aladdin technology offerings and the closing of the acquisition of Preqin Holding Limited in March 2025 (which added around $20 million to the revenues).
BlackRock stated that net inflow stood at&nbsp;$84 billion in the quarter, reflecting 3% annualized organic asset growth, driven by a record first quarter for iShares ETFs, along with private markets and active net inflows.
At the end of the quarter, total AUM was $11.6 trillion, compared to $10.5 trillion in the prior year quarter.
Adjusted operating income rose&nbsp;14% Y/Y to&nbsp;$2.03 billion, with the margin expanding to&nbsp;43.2% from&nbsp;42.2% a year ago.
Adjusted EPS increased&nbsp;15% Y/Y to&nbsp;$11.30,&nbsp;<a target="_blank" href="https://www.benzinga.com/calendars/earnings" rel="noreferrer noopener">beating the consensus of&nbsp;$11.14.</a>
BlackRock repurchased shares worth&nbsp;$375 million&nbsp;in the quarter and raised&nbsp;the cash dividend per share by 2% to $5.21.
Laurence D. Fink, chairman and CEO, said, &#8221;We delivered 6% organic base fee growth in the first quarter, representing our best start to a year since 2021 and secular strength against a complex market backdrop.&#8221;
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"Uncertainty and anxiety about the future of markets and the economy are dominating client conversations. We&#8217;ve seen periods like this before when there were large, structural shifts in policy and markets – like the financial crisis, COVID, and surging inflation in 2022,&#8221; Fink added.
Investors can gain exposure to the stock via Fidelity Disruptive Finance ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FDFF#NASDAQ">FDFF</a>) and Schwab US Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>).
Price Action: BLK shares are up 1.31% at $870.00 premarket at the last check on Friday.
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Photo: Shutterstock

Earnings

Equities

Large Cap

Movers

FDFF

BlackRock's Bold Quarter: EPS Tops, $11.6 Trillion AUM, $84 Billion Inflows Power Growth

Building a strong investment <a href="https://in.benzinga.com/personal-finance/25/03/44534646/dad-with-mini-portfolio-and-1m-investment-plan-wants-son-living-off-of-dividend-income-comfortably-reddit-debates-best-stocks-to-buy">portfolio</a> requires an allocation for growth, one for stability, and a last one for income, especially when it comes to planning for retirement.
One widespread investing strategy involves mixing dividend-paying assets with broad-market ETFs, allowing investors to profit from both compounding revenue and long-term <a href="https://in.benzinga.com/markets/bonds/25/02/43724725/at-home-restructured-bonds-offer-asymmetric-opportunity-via-high-yields-potential-capital-appreciat">capital appreciation</a>. By continuously investing a fixed amount each month, investors can grow their <a href="https://in.benzinga.com/personal-finance/25/03/44348490/how-does-your-wealth-stack-up-against-your-peers-heres-the-net-worth-youll-need-to-be-among-the-richest-10-at-each-age">wealth</a> while minimizing risk through diversification.
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Still, this strategy is often debated with some wondering whether dividend-focused ETFs are necessary for younger investors or if growth ETFs would deliver better returns in the long run. In a recent Reddit post, a 34-year-old investor shared he&#8217;s just starting his investing journey and is wondering whether his planned allocation can help him reach his financial goals.
His strategy involves allocating $2,000 per month across a mix of ETFs and dividend stocks, including 40 % to Vanguard S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VOO#NYSE">VOO</a>), 20% to Invesco NASDAQ 100 ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQM#NASDAQ">QQQM</a>), 15% to Vanguard Total International Stock ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VXUS#NASDAQ">VXUS</a>), 15% to Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>), and 10% to SPDR Gold Shares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GLD#NYSE">GLD</a>).
The poster&#8217;s goal is to build a portfolio that will generate substantial returns by the time he reaches his 50s or 60s. Yet, he's open to advice, especially regarding his 10% allocation to GLD. The Reddit community has offered the investor plenty of suggestions in the comments, so let&#8217;s jump into these right away.
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<h2 class="wp-block-heading">Is the Investor&#8217;s Planned Allocation a Good Strategy? Reddit Weights In</h2>
Opt for Small or Mid-Cap ETFs
Several Redditors argued that gold may not be the best choice for a young investor with a long time horizon. Instead, they suggested small- and/or mid-cap ETFs or even bond funds for better growth potential or stability.
&#8220;I like everything except gold. I'd look into small/mid-cap ETFs, and maybe a total bond ETF if you&#8217;re worried about volatility,&#8221; a commenter wrote.
Suggesting other assets and even Bitcoin instead of GLD, this Reddit user appreciated most of the poster&#8217;s allocation: &#8220;Love it besides the GLD. I would go either with a small/mid-cap ETF or Bitcoin if you are interested in that.&#8221;
This commenter suggested the investor&#8217;s portfolio should be more focused on U.S.-based stocks rather than international assets.
&#8220;Too much international, and way too much gold. Would add some small- and mid-cap instead,&#8221; he wrote.
See Also: Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.
Focus on Growth While Young
Many Reddit users argued that dividend ETFs like SCHD are less ideal for a 34-year-old investor, as growth-focused ETFs historically outperform over long periods.
&#8220;Zero reason for SCHD at that young of an age in my opinion,&#8221; a comment reads.
Suggesting that focusing on growth-oriented ETFs while young would reap better yields in the long run, this Redditor mentioned that the investor should shift to dividends when approaching retirement only.
&#8220;Because you are young, you could benefit from the time horizon and reap better returns from growth-focused ETFs over dividend ETFs, even taking into account dividend reinvestment. Closer to retirement you can transition to a dividend-focused portfolio,&#8221; he wrote.
&#8220;I&#8217;d skip QQQM and go 50% VOO, 25% VXUS, and 25% SCHD,&#8221; a commenter recommended.
Another Redditor suggested a similar allocation but also included GLD, saying, &#8220;I would drop the SCHD and QQQM in favor of more VOO and more VXUS. 65% VOO (or better [Vanguard Total Stock Market ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/vti#NYSE">VTI</a>)]), 25% VXUS, 10% GLD.&#8221;
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QQQM

VXUS

Reddit Erupts Over 34-Year-Old's Plan: 'My Strategy Is To Add $2K Monthly' – Is His Mix Of ETFs And Dividends A Genius Move Or A Bad One?

Investing in dividend-paying <a href="https://www.benzinga.com/25/03/44565770/30-year-old-with-65k-in-stocks-sparks-debate-focusing-mostly-on-etfs-but-now-betting-on-bonds-small-caps-and-international-plays">stocks</a> is a widespread strategy for those pursuing a regular income and long-term wealth growth.
Many investors, especially those looking for stability, prefer <a href="https://in.benzinga.com/personal-finance/25/03/44551261/early-retiree-making-17000-a-year-in-dividends-shares-top-7-stock-picks-says-ive-zero-regrets">dividends</a> because they generate regular payouts, often perceived as a safer choice than growth-focused assets. While dividend stocks may not always offer huge returns, they can act as a reliable income stream, particularly during market downturns or job loss.
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<li>Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.</li>
</ul>
For young investors, building a dividend portfolio early can compound significantly in the long run. A 23-year-old investor recently turned to Reddit for advice on his $75,000 portfolio, sparking a debate on the best strategy.
The investor has built an impressive portfolio generating $1,828 in annual dividend income. His holdings include a combination of dividend stocks, ETFs, and alternative assets like crypto and gold.
Investing $1,000 per week, the poster shared that he believes in sacrificing when you&#8217;re young for the life you want to live later: &#8220;My motto is &#8216;Work hard now so you can live life to its fullest when it&#8217;s harder.&#8217; The idea is to have additional income so that even if your job pays worse down the line, you&#8217;re not fu&#8211;ed. I&#8217;ve already made close to $15,000 in investments. The rest was money I invested over a few years. So $60,000.&#8221;
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
The 23-year-old&#8217;s strategy leans heavily on dividends, but besides sharing his picks, he&#8217;s also asked the members of the online discussion board for the best approach on optimizing his portfolio further. The r/Dividends community has jumped to the comment section to share its insights and suggestions, which circled around investing in growth-focused assets rather than dividends for now and shifting to dividends down the road.
Still, many commenters congratulated the young investor on his picks, so let&#8217;s dive deeper into those.
<h2 class="wp-block-heading">23-Year-Old With $75,000 Portfolio and $1.828 Dividend Income Shares Top 6 Picks</h2>
Citizens Financial Group
Citizens Financial Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CFG#NYSE">CFG</a>) is a regional bank providing various retail and commercial banking products and services. Investors love CFG for its steady income and its position in the financial sector. The company pays investors around 4,06% in annual dividends.
JPMorgan Equity Premium Income ETF
JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>)​ is an exchange-traded fund that generates a higher regular income for investors while maintaining possibilities for capital appreciation. Delivering approximately 7.62% in annual dividends, JEPI invests in S&amp;P 500 stocks with low volatility and uses options strategies to yield revenue.
See Also: Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a>
JPMorgan Nasdaq Equity Premium Income ETF
JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JEPQ#NASDAQ">JEPQ</a>)​ focuses on producing income and capital appreciation by investing in U.S. large-cap growth stocks, mainly those included in the NASDAQ-100 Index. Like JEPI, it employs options strategies to boost the yield and pays investors around 11.14% in dividends per year.
Invesco QQQ Trust
Invesco QQQ Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>) tracks the performance of the NASDAQ-100 Index, which includes 100 of the largest non-financial companies on the exchange. Many people choose QQQ for its exposure to innovative tech and growth enterprises. Compared to JEPI and JEPQ, QQQ generates a lower dividend yield, around 0.63% per year.
Schwab U.S. Dividend Equity ETF
Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) concentrates on high-quality, high-dividend-paying U.S. stocks with a record of constant payouts. Generating approximately 3.73% in dividend yield annually, investors pick SCHD for its focus on dividend growth and quality companies.
SPDR S&amp;P 500 ETF Trust
SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) tracks the performance of the S&amp;P 500 Index and provides broad market exposure with average dividends, which is a perfect choice for long-term growth. SPY pays investors around 1.22% in annual dividends.
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</ul>

23-Year-Old Investor With $75K Portfolio, $1.8K Dividend Income Reveals Top Assets – Asks 'What I Should Look At Or Add To?' Reddit Debates

A stock portfolio with many holdings can minimize risk and give you access to many opportunities. However, one Redditor is wondering if two holdings are all they need and <a href="https://www.reddit.com/r/dividends/comments/1jo8l2z/thinking_of_going_50_voo_50_schd_too_simple/">posted in the Dividends subreddit</a> for some feedback.&nbsp;
"I'm seriously considering streamlining my entire portfolio," the Redditor stated at the start of the post.
Instead of picking a bunch of stocks, the Redditor has settled on two positions: the Vanguard S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VOO#NYSE">VOO</a>) and the Schwab US Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>). The Redditor is also considering a 45/45 split, with the remaining 10% going into the Schwab US Large-Cap Growth ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHG#NYSE">SCHG</a>).
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<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
<li>If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?</li>
</ul>
<h2 class="wp-block-heading">ETFs Simplify Investing</h2>
Several commenters agreed with the ETF-focused approach and shared that they also heavily invest in funds. The top commenter puts 50% into SCHD and the remaining 50% into SCHG. One of the top replies to that comment came from someone who puts 60% into SCHD and 40% into SCHG.
The comment got plenty of traction from Redditors who agreed. One commenter replied to the top comment saying, "This is exactly my portfolio in Roth. Not too much going on but that's all I need. Tired of gambling on single stocks."
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
<h2 class="wp-block-heading">No Such Thing As Too Simple</h2>
One commenter stated that there is no such thing as having a portfolio that is too simple. While you can have a portfolio that isn't diverse enough, you can buy shares in a single ETF and instantly have a <a href="https://www.benzinga.com/personal-finance/25/03/44461718/high-income-earner-with-3000-monthly-to-invest-faces-big-decision-i-definitely-want-to-diversify-beyond-ai-and-dividends">diversified portfolio</a>.
The commenter said that VOO has plenty of growth. Investors don't have to beat the market. Most people can reach their long-term financial goals if they match market returns instead of taking high risks just for the hope of outperforming an index like the S&amp;P 500.
Some commenters said that this simple approach was a good one. The Redditor received encouraging comments telling them to keep up the good work. Another commenter mentioned that a more complex portfolio doesn't necessarily generate a higher return.
See Also: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
<h2 class="wp-block-heading">Knowing The Redditor's Age and Goals Would Help</h2>
While most of the commenters praised the Redditor's decision, one commenter said that knowing the original poster's age and time horizon would have been better. The commenter also said it would be optimal to know the age of each person who has committed to sticking with a few ETFs.
The commenter makes a good point, as each person's investment preferences are different. Some people have higher risk tolerances and gravitate toward ETFs that give exposure to big tech companies. Others accumulate shares in less risky, <a href="https://www.benzinga.com/personal-finance/25/04/44589415/desperate-investor-with-50k-seeks-the-highest-possible-dollar-amount-of-a-dividend-payment-what-fund-would-you-buy-reddit-erupts">high-yield ETFs</a> as they get closer to retirement.
Assessing someone's financial goals can help them decide which combination of ETFs is right for them. However, you don't need a ton of stocks. A good growth fund may be all you need.
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<li>Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a></li>
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</ul>

SCHG

A Redditor Only Wants to Hold Two Stocks: 'I'm Seriously Considering Streamlining My Entire Portfolio'

Dividend investing attracts many people due to its passive cash flow, including a Redditor from the UK. The individual is new to dividend investing and recently <a href="https://www.reddit.com/r/dividends/comments/1jo629x/new_to_dividends_rate_my_uk_portfolio/">posted in the Dividends Reddit community</a>, seeking some guidance.
"I'd like your opinion on what I could do better," the Redditor said before showing everyone their portfolio. Most of the Redditor's holdings are UK-based companies since the individual doesn't want to pay withholdings taxes for the U.S. companies.
The portfolio yields 7.53% and brings in £11.33 ($14.93) per month.
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<li>If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?</li>
</ul>
<h2 class="wp-block-heading">The Portfolio</h2>
The Redditor has 17 holdings. Most of the stocks yield above 5%, and some of them yield more than 10%. The well-diversified portfolio minimizes the Redditor's risk. While one commenter said that the portfolio seems decent, another expressed doubt about one of the holdings.
The individual currently holds 81.71 shares of Oxford Lane Capital Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OXLC#NASDAQ">OXLC</a>). At the time of the post, it had a 19.72% yield. The cautious commenter warned that the yield might be good for a few months and wasn't a long-term play.&nbsp;
The Redditor responded to the comment by saying that the stock's net asset value will likely decrease and that it won't be a long-term fixture in the portfolio. Shares have been down by 3% over the past year, which is a good performance considering the yield.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
Shares were down by more than 10% year-to-date until the company announced a buyback in the middle of March. Then, the stock recovered most of its losses.
<h2 class="wp-block-heading">An ETF Can Add More Diversification</h2>
The Redditor has a bunch of individual dividend stocks and may benefit greatly from a dividend ETF. It may be worth diversifying into ETFs like the Schwab US Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>), which offers some diversification outside of the UK. SCHD comes up frequently in the Dividends Reddit community.
ETFs make it much easier to diversify your portfolio, and you can find funds that align with your risk tolerance and long-term financial goals. Investing in ETFs makes it easier to invest in individual stocks, knowing that you already have a basket of holdings in the ETF.&nbsp;
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.55 per share now</a>.
<h2 class="wp-block-heading">Don't Chase Yields</h2>
While high yields may look enticing now, the stocks that offer those yields may underperform the stock market in the long run. Some high-yield stocks offer more stability during market uncertainty, but it's important to avoid chasing high yields without considering the fundamentals.&nbsp;
The Redditor admitted to having OXLC as a short-term play, but dividend investing is a long-term game. Sticking with OXLC just for the yield isn't the best approach, but the Redditor may see some value in the company that goes beyond its yield.
Investors should aim to achieve the maximum return that aligns with their risk tolerance. Some stocks with lower yields may produce higher long-term returns. A stock isn't a buy just because of a high yield, and you shouldn't avoid a particular dividend stock just because it has a low yield.&nbsp;
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<li>Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a></li>
<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
</ul>

OXLC

UK Investor Asks Reddit to Rate Their Dividend Portfolio That Yields 7.53%: 'I'd Like Your Opinion On What I Could Do Better'

The new trade war precipitated by President <a href="https://www.benzinga.com/25/04/44647999/trumps-tariff-war-could-take-us-tech-industry-back-a-decade-while-china-steam-rolls-ahead-analyst-says">Donald Trump‘s tariffs</a> has turned investors against companies heavily involved in the import-export market. Instead, companies with stable revenue, low valuations and little exposure to trade are rising.
Especially ones that offer nice dividends. Today, let&#8217;s look at a couple of examples.
Then, we will consider the three best dividend funds to capture this trend.
Consider companies like Verizon (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>) (6.07% dividend right now), which does not purchase or sell products in overseas markets, or tobacco giant Altria (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MO#NYSE">MO</a>) (7.25% dividend), which sells most of its products in the USA.
Past that, dividend stocks and funds have been performing well in 2025.
&#8220;Dividend-oriented strategies have performed well in the first quarter of 2025,&#8221; said William Connor, CFA, CFP, partner at Sax Wealth Advisors. &#8220;The SPDR S&amp;P Dividend ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SDY#NYSE">SDY</a>) generated a positive return during Q1 2025 of 2.71%, which compares favorably with the S&amp;P 500, which lost 4.55% in the first quarter of 2025.&#8221;
Although the S&amp;P 500 has outperformed over the last year, increasing 7.1% while the SDY was up 3.86%, dividend stocks tend to be less volatile, often due to the more defensive nature of the economic sectors in which they operate. &#8220;Ned Davis Research conducted a study of dividend-paying companies compared to non-dividend-paying companies,&#8221; Connor noted. &#8220;The results illustrated what many investors intuitively feel; dividend stocks exhibit lower volatility than non-dividend payers and a broad index like the S&amp;P 500.&#8221;
That data matters at a time when the Trump administration has sought a level playing field on tariffs, causing major upheaval in global markets.
&#8220;The impact of potential tariffs on the economy is unknowable at this point, given that the specifics have yet to be announced,&#8221; Connor said. &#8220;What is likely is the uncertainty around tariffs (amounts, sectors, and exemptions, for example) is leading many investors to be concerned about the outlook for US stocks.&#8221;
Since dividend stocks have been less volatile over time than the average stock, it&#8217;s reasonable for investors concerned with the growth outlook to focus on them. &#8220;The dividend payment provides a steady, predictable return to help manage volatility and risk,&#8221; Connor added.
Given the volatility linked to trade and tariffs, will that be the case going forward? Yes and no.
&#8220;In the short-term, tariffs are likely to be seen as a negative for dividend stocks – particularly globally-focused companies – as tariffs increase the price of imported goods or raw materials, which can impact profitability,&#8221; said Rob Edwards, managing director and senior portfolio manager at Florida-based Edwards Asset Management.
In the long run, however, Edwards believes dividend stocks should prosper, even with tariffs, as they are typically more mature companies that have proven resilient to many economic challenges.
&#8220;I believe that you should own dividend stocks to invest throughout an entire market cycle, not around it,&#8221; he noted.
<h2 class="wp-block-heading">Three Solid Dividend ETFs</h2>
Rather than take your chances with one or two individual dividend-paying stocks, curb some downside risk by leveraging dividend exchange-traded funds, where you can also get some bang for your buck.
<h3 class="wp-block-heading">SPDR S&amp;P Dividend ETF</h3>
Like the best dividend ETFs, the SPDR S&amp;P Dividend ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SDY#NYSE">SDY</a>) is a tax-efficient, low-cost, highly liquid investment with broad exposure to high-quality stocks.
The fund aims to produce investment results corresponding to the total return performance of the S&amp;P High Yield Dividend Aristocrats Index. &#8220;The fund really focuses on S&amp;P Composite 1500 Index companies that have followed a managed-dividends policy of consistently increasing dividends every year for at least 20 consecutive years,&#8221; Connor said.
Dividend payments are about 0.80% and the fund has returned 4.76% year-to-date.
Dividend ETFs are not flashy, but they&#8217;re steady, and that&#8217;s what Steven Kibbel, a financial planner and chief editorial advisor at Gold IRA Companies in Franklin, Tenn. &#8220;Many people, especially retirees I work with, like them because they give regular income without needing to sell shares. That matters when you&#8217;re trying to make your savings last. These funds mostly hold big companies that keep paying dividends no matter what&#8217;s going on in the market. Think utilities, healthcare, and food companies. That kind of thing.&#8221;
<h3 class="wp-block-heading">Schwab U.S. Dividend Equity ETF</h3>
One dividend fund Kibbel favors holds those same traits &#8211; Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>).
&#8220;It&#8217;s simple, low-cost, and holds strong companies with solid financials,&#8221; he said. &#8220;I&#8217;ve used it for years with clients who want income and stability. Another one I use is iShares Select Dividend (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DVY#NASDAQ">DVY</a>). That one focuses more on higher yields. It&#8217;s not always the right fit for everyone, but it works well if income is the top goal.&#8221;
SCHD currently offers a healthy 3.85% dividend; its year-to-date returns are 2.93% compared to 4.49% for its category.
<h3 class="wp-block-heading"> iShares Core High Dividend ETF</h3>
iShares Core High Dividend ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HDV#NYSE">HDV</a>) is another popular pick among money managers.
The fund holds 75 high-dividend-paying stocks and is energy-heavy, with Exxon (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XOM#NYSE">XOM</a>) and Chevron (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVX#NYSE">CVX</a>) comprising two of the top three fund holdings. Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>) also joins the group. 
Big-cap brand names are the fund&#8217;s bread and butter, although no one stock tops 9.3% of its holdings (that would be Exxon). The fund is up 7.75% and has generally landed in the 10% annual return range since it launched in 2011. HDV also offers a robust 3.41% dividend yield with an ultra-low 0.8% expense ratio.
<h2 class="wp-block-heading">What To Look For With Dividend ETFs</h2>
Before you get rolling on dividend funds and kick some tires, have a game plan to leverage that matches you up with the right fund.
&#8220;You want an ETF that holds reliable stocks with a history of raising dividends annually, and that offers a true hedge against inflation,&#8221; said Ketti Rose, the CEO and founder of Wealthy Femme, a money management platform geared toward women investors. &#8220;Also, ensure the expense ratio is low – the less, the better, as there&#8217;s no need to sacrifice returns for fees.&#8221;
Additionally, seek out ETFs that maintained steady — or even increased — dividends through past recessions (e.g., in 2008 or 2020). &#8220;That&#8217;s a strength you can depend on,&#8221; Rose noted.
<h2 class="wp-block-heading">Predictable Trading In Unpredictable Times</h2>
In a market dominated by tariff tensions, geopolitical surprises and Fed uncertainty, Matt Maley's technical approach delivers clear entry/exit points for consistent income potential. Try it <a href="https://www.benzinga.com/premium/ideas/7-day-free-trial-matt-maley-inner-circle/?el=ResearchDaily&amp;he={{email}}&amp;adt_ei={{email}}&amp;utm_adType=SponsorAd&amp;utm_ad=RD0407&amp;utm_campaign=7daytrial">free for 7 days</a>. Gain Trading Confidence &amp; Income Potential. 
Photo: Shutterstock

Dividends

Opinion

Trading Ideas

iShares Dow Jones Select Dividend Index Fund

Sit Out Market Drama With These 3 Dividend Funds

For many investors, dividend-focused <a href="https://in.benzinga.com/25/03/44565770/30-year-old-with-65k-in-stocks-sparks-debate-focusing-mostly-on-etfs-but-now-betting-on-bonds-small-caps-and-international-plays">stocks</a> and funds provide a way to generate passive income, whether to supplement retirement, cover day-to-day <a href="https://in.benzinga.com/personal-finance/25/02/43768530/should-married-couples-split-expenses-dave-ramsey-says-no-youre-married-not-roommates">expenses</a>, or even finance small luxuries like annual vacations.
While some aim for significant <a href="https://in.benzinga.com/personal-finance/25/03/44518501/20-year-old-university-student-wants-help-with-buying-dividend-stocks-whats-the-best-way-to-start-reddit-weights-in">dividend</a> payouts to replace their salary, others are happy with modest but constant returns that offer a little extra financial freedom.
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<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
<li>If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?</li>
</ul>
This is the case of a Reddit user who is exploring this approach. With $30,000 to invest, he's seeking long-term dividend stocks that can grow over the next 20 years until retirement. While he already holds dividend-paying stocks like Apple (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) and Walt Disney&nbsp; (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIS#NYSE">DIS</a>), he wants to expand his portfolio for stability and future income, even if it's just enough to cover yearly vacations.
&#8220;I currently have some stocks that give out dividends (Apple, Disney) but I&#8217;m looking for others. Long-term stability, that my wife and I can use the dividends as another form of income say in 20 years. Even if it&#8217;s just enough to pay for a yearly vacation here or there. Any thoughts on good companies to choose from?&#8221; he asked.
Let&#8217;s break down the Redditors&#8217; advice received in the comment section.
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<h2 class="wp-block-heading">Where to Invest $30,000 to Generate Enough Income to Cover Yearly Vacations? Reddit Answers</h2>
Put the Money in an ETF
Several commenters recommended Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) as a core holding because of its dividend yield, historical growth, and the low-risk, diversified exposure it offers investors.
&#8220;Go all in SCHD. Low risk, nice 3.5% starting yield and it will just keep growing,&#8221; a commenter said.
Reinforcing the idea that SCHD fits the poster&#8217;s long-term stability and dividend payout need, this Redditor also suggested he goes with SCHD: &#8220;Since you want some growth and decent payout, SCHD is a great option. 3.5% dividends and 11% growth over the last 10 years each year.&#8221;
&#8220;I would stick with S&amp;P 500 ETFs being young. Put it in a self-direct investment retirement account to avoid taxes,&#8221; a comment reads.
See Also: Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a>
Consider High-Yield Dividend Stocks and Trusts
Several commenters suggested higher-yield assets that would generate higher payouts for the investor in the long run.
&#8220;If you want higher yield stocks check: [Verizon Communications (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/vz#NYSE">VZ</a>)], [AT&amp;T (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/t#NYSE">T</a>)], [Realty Income Corporation (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/o#NYSE">O</a>)], [Altria Group (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/mo#NYSE">MO</a>)], [British American Tobacco (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/bti#NYSE">BTI</a>)],&#8221; a Redditor recommended.
A commenter mentioned United Parcel Service (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UPS#NYSE">UPS</a>) as a great pick since the company seems to start focusing on higher profit margin areas.
&#8220;UPS pays a solid dividend and the share price has been beaten down a lot on the news that they are reducing Amazon deliveries to focus on higher profit margin areas,&#8221; he said.
Suggesting a very detailed portfolio allocation, this Redditor mentioned several ETFs and individual stocks that he considers would help the poster reach his dividend and growth goals.
&#8220;[Vanguard S&amp;P 500 ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/voo#NYSE">VOO</a>)] $5,000, 1.25% dividends. Do [dividend reinvestment plan] SCHD $5,000, 3.5% dividends. Do [dividend reinvestment plan], [JPMorgan Equity Premium Income ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/jepi#NYSE">JEPI</a>)], [JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/jepq#NASDAQ">JEPQ</a>)​] ($5,000), 8% combined dividends. Do [dividend reinvestment plan] [Old Republic International Corporation (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ori#NYSE">ORI</a>)] $2,000, 3% dividends. Do [dividend reinvestment plan] [Waste Management (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/wm#NYSE">WM</a>)] and [Automatic Data Processing (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/adp#NASDAQ">ADP</a>)] ($3,000), 2% average dividend. Do [dividend reinvestment plan] [Pfizer (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/pfe#NYSE">PFE</a>)] and [Johnson &amp; Johnson (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/jnj#NYSE">JNJ</a>)] $2,000, 4.75% average dividend. Do [dividend reinvestment plan] [JPMorgan Chase &amp; Co. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/jpm#NYSE">JPM</a>)] and [UnitedHealth Group Incorporated (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/unh#NYSE">UNH</a>)] $2,000, 2% average dividends. Do [dividend reinvestment plan] AAPL and [Microsoft (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/msft#NASDAQ">MSFT</a>)] $2,000. [The Coca-Cola Company (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/ko#NYSE">KO</a>)] and MO $2,000, 5% average dividends. Do [dividend reinvestment plan] JPM or [American Express (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/axp#NYSE">AXP</a>)] $2,000. JPM has good potential growth,&#8221; the suggestion says.
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Man With $30K To Deploy Wants Dividends For Life – 'Even If It's Just Enough To Pay For A Yearly Vacation Here Or There,' Reddit Reacts

Investing entails both risk and reward. On one hand, conservative investors focus on stabilizing their portfolios through bonds, <a href="https://in.benzinga.com/startups/25/02/43451833/warren-buffetts-1m-bet-why-simple-index-funds-crushed-hedge-funds-by-7-1-to-2-2-over-a-decade">index funds</a>, and blue-chip <a href="https://www.benzinga.com/personal-finance/25/03/44486348/58-year-old-with-3m-portfolio-makes-bold-retirement-move-i-want-to-test-it-out-before-i-actually-retire-with-1m-in-dividend-stocks">dividend stocks</a>. On the other, aggressive investors chase high-growth assets, such as tech stocks, leveraged ETFs, and high-yield dividend funds, betting on huge returns.
The middle ground is a diversified portfolio that combines growth and income while adjusting risk as <a href="https://www.benzinga.com/personal-finance/25/03/44552100/i-have-no-doubt-theyre-going-to-raise-the-full-retirement-age-possibly-to-70-suze-orman-weighs-in-on-social-security-fears">retirement</a> approaches. But what happens when a young investor leans heavily into dividend-focused ETFs, overlooking long-term growth for quick cash? That's the question tearing through the r/Dividends Reddit community after a 34-year-old shared his bold three-ETF strategy.
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<li>If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?</li>
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&#8220;Right now, I'm planning to go with just [Vanguard S&amp;P 500 ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/voo#NYSE">VOO</a>)], [JPMorgan Equity Premium Income ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/jepi#NYSE">JEPI</a>)​], and [Schwab U.S. Dividend Equity ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/schd#NYSE">SCHD</a>)], split like this: VOO – 45% (broad market exposure and long-term growth), JEPI – 15% (monthly income and lower volatility), and SCHD – 40% (strong dividend growth and fundamentals). I know this setup is pretty barebones, but I feel like it covers the basics well enough for now. I plan to start adding bonds in maybe 5 to 6 years, once I get closer to 40,&#8221; he wrote.
Still, the poster is wondering whether his allocations are too basic and whether he&#8217;s missing something, mentioning that he wants to build a dividend-only portfolio. The r/Dividends community on Reddit has offered its advice in the comments, so let&#8217;s analyze that.
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<h2 class="wp-block-heading">3-ETF Portfolio–Is He Onto Something or Is It a Bad Idea? Reddit Responds</h2>
Ditch JEPI Since You Don&#8217;t Need Income Now
Most Redditors argued that JEPI is a rather poor fit for a 34-year-old who&#8217;s still in the accumulation phase.
&#8220;Unless you are currently using the income generated from it, there&#8217;s no reason to hold JEPI or [NEOS S&amp;P 500 High Income ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/spyi#NYSE">SPYI</a>)] or any of the others instead of holding the index itself like VOO. They underperform the underlying assets, so the total return of VOO will be higher than JEPI and there are also the tax implications of getting your returns as nonqualified dividends. So, if you are just going to reinvest the dividends from JEPI, there&#8217;s no reason to hold it instead of VOO, but there are good reasons to hold VOO instead,&#8221; a Reddit community member suggested.
Recommending what he thinks is a better allocation for the poster&#8217;s portfolio, this commenter also advised getting rid of JEPI: &#8220;JEPI is not only a bad option for you, it is also not very tax efficient. Stick with this: VOO/[Schwab U.S. Large-Cap Growth ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/schg#NYSE">SCHG</a>)]/SCHD 70/20/10.&#8221;
&#8220;You have a job for income. You don't need JEPI at your age. Get into growth and dividend growth stocks,&#8221; a Redditor wrote.
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Shift from Dividends to Growth for Now
Many users urged the 34-year-old investor to prioritize growth-focused ETFs over dividend-heavy assets like SCHD because he's young and has a long time until retirement to grow the money.
&#8220;At 34, you have a fairly long investment horizon in front of you before you retire–20 years or more. So, you should be much more heavily invested in growth rather than dividends. Growth companies invest their earnings in growth opportunities rather than using cash to pay dividends and as a result, you will almost certainly build more wealth over 20 years with growth stocks/ETFs than you will in dividend stocks/ETFs,&#8221; a comment reads.
Suggesting that the poster&#8217;s allocation is way too conservative for his age, this Redditor shared the way his portfolio is split, recommending keeping growth-focused assets even in retirement: &#8220;You are going too hard on dividends for your age. At 40, I am about 20% dividends, 20% bonds, and 60% growth stocks. That will shift about every 5 years toward stable income goals, but even then I probably will still hold at least 40% growth in retirement.&#8221;
When it comes to long-term growth, a commenter advised the poster to invest in VOO rather than SCHD.
&#8220;VOO outperforms SCHD and is a better option for long-term growth. I&#8217;d also consider mixing in [Vanguard Russell 2000 Index Fund ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/vtwo#NASDAQ">VTWO</a>)] and [Vanguard Mid-Cap Growth Index Fund ETF Shares (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/vot#NYSE">VOT</a>)] at 15% to 20% each to cover mid and small-cap stocks,&#8221; he said.
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SPYI

VTWO

34-Year-Old Gambles His Entire Future On Just 3 ETFs – 'Is This A Dumb Idea Or Am I Onto Something?' Reddit Explodes Over His Risky Bet

Life has a way of throwing curveballs, such as divorce, career changes, and financial setbacks, and sometimes, it feels like you're back at square one.
But hitting the reset button in your 40s doesn't mean your <a href="https://www.benzinga.com/personal-finance/financial-advisors/24/04/38320795/in-your-50s-its-not-too-late-to-transform-your-financial-future-3-key-moves-t">financial future</a> is doomed. In fact, with thorough planning and disciplined <a href="https://www.benzinga.com/25/03/44380933/investor-with-40000-portfolio-wonders-if-he-should-pick-dividend-investing-or-growth-first-would-you-prioritize-dividends-or-growth">investing</a>, it's possible to rebuild and even come out stronger than before.
For one Redditor, a 42-year-old facing a divorce and raising three kids, rebuilding financially seems like a tough challenge, but also an opportunity for a fresh start. With $250,000 to invest and a stable business generating between $90,000 and $120,000 per year on average, the investor is determined to turn things around.
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&#8220;If you could invest from scratch, $250,000–how would you divide it up? It's almost a full-life restart, not ideal, but it is what it is. Would you put [Main Street Capital Corporation (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/main#NYSE">MAIN</a>)​], [Gladstone Investment Corporation (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/gain#NASDAQ">GAIN</a>)], [Schwab U.S. Dividend Equity ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/schd#NYSE">SCHD</a>)], [JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/jepq#NASDAQ">JEPQ</a>)] into individual or [investment retirement account]? What others should I consider?&#8221; he asked.
The comment section of the post exploded with recommendations, with some Redditors advocating for simple, low-risk investments, and others suggesting aggressive growth strategies. Below, we break down the most relevant insights.
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<h2 class="wp-block-heading">How Would You Divide $250,000? Reddit Users Debate in the Comments</h2>
Keep It Simple and Low-Cost
There were plenty of comments that suggested the investor avoid financial advisors and instead invest in an S&amp;P index fund.
&#8220;I would not pay a financial advisor one penny, much less $1,500 per year + fees and %. It doesn&#8217;t take a financial advisor to invest in an S&amp;P 500 index fund, which is the simplest and one of the best investments for a 42-year-old, 22-year-old, 32-year-old, or 52-year-old,&#8221; a Redditor advised.
&#8220;If I had to start at 42&#8230; I would dump it all into an S&amp;P index growth fund and leave it be for about 15 years. At that point, I would look for opportunities to move it into dividends for income,&#8221; another comment says.
Also touching on the fact that he doesn&#8217;t need a financial advisor, this Reddit user mentioned a few assets he believes would help the poster meet his financial goals.
&#8220;Invest in only ETFs, no individual stocks. 75% in [Vanguard S&amp;P 500 ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/voo#NYSE">VOO</a>)], [SPDR S&amp;P 500 ETF Trust (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/spy#NYSE">SPY</a>)], or if you want some dividends, [JPMorgan Equity Premium Income ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/jepi#NYSE">JEPI</a>)​], or [Alerian MLP ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/amlp#NYSE">AMLP</a>)]. No need to pay anyone, just invest in S&amp;P 500 index funds,&#8221; he suggested.
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Mix Growth ETFs with Dividend Stocks
While the S&amp;P 500 was one of the most recommended strategies, many commenters suggested mixing growth with dividend ETFs for a balanced portfolio.
&#8220;If you want to retire in, say, 20 years, you need at least 3x if not 4x that $250,000. In addition to the S&amp;P 500 index, MAIN and GAIN look good. If I knew at 42 what I know now, I would have gone into individual growth stocks much earlier than I did, for those have been by far my best performers and would have been even better if I had gotten into them sooner,&#8221; a commenter suggested.
Mentioning that he also owns MAIN and GAIN, this Redditor recommended the poster split the $250,000 between a low-cost S&amp;P index fund, growth assets, and dividend-focused stocks: &#8220;If I were you, I&#8217;d invest the $250,000 in a low-cost S&amp;P index fund and start putting some money every month into an [investment retirement account]. I do own MAIN and GAIN outside of my retirement account&#8230; But I would go growth with your investments and maybe start adding in some dividend payers in your taxable account to diversify your income.&#8221;
&#8220;80% [Schwab U.S. Large-Cap Growth ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/schg#NYSE">SCHG</a>)], 20% SCHD,&#8221; another user suggested.
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</ul>

Small Cap

AMLP

GAIN

MAIN

42-Year-Old With $250K And A 'Failed Marriage, 3 Kids' Faces A Full Life Restart – 'How Would You Divide It Up?' Reddit Explodes With Advice

For many investors, <a href="https://www.benzinga.com/markets/25/01/43192678/30-year-old-little-late-to-the-party-asks-for-dividend-stocks-advice-on-reddit-8-stock-recommendatio">dividend stocks</a> are a great way to generate passive income while maintaining the possibility of capital growth. Dividend-focused stocks, ETFs, and funds yield periodic payouts, making them a favorite to those seeking regular cash flow, whether for retirement, extra income, or <a href="https://in.benzinga.com/25/03/44361602/jp-morgan-sees-slower-profit-growth-for-profrac-slashes-ebitda-projections-for-2025-2026">reinvestment</a>.
Funds, in particular, are a prominent option for investors because they offer diversification, reducing the risk linked to individual stocks. One Reddit user has shared on the online discussion board that he&#8217;s faced with a dilemma regarding his investments: what fund should he buy to generate the highest possible dollar amount of a dividend payment next month?
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The poster has $50,000 to invest and has little concern for long-term growth or stability. He wants a simple solution and is wondering if the Reddit community can point out a fund that meets his goal.
The community has provided insights for the investor, as well as mentions of possible solutions, so let&#8217;s dive deep into the comment section to see what the Redditors said.
Investor Wants His $50,000 in a Fund Generating the Highest Possible Dividend Amount by Next Month–Redditors Debate Best Options
YieldMax Funds Can be a Good Pick
Some users suggested YieldMax funds, which use covered call strategies on volatile stocks to yield massive monthly payouts, sometimes 90% to 120%.
&#8220;If you want degenerate, go all in on [YieldMax MSTR Option Income Strategy ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/msty#NYSE">MSTY</a>)]. Anywhere from 90%-120% distribution is paid out monthly, and the fund manager YieldMax basically just does synthetic covered calls on [MicroStrategy (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/mstr#NASDAQ">MSTR</a>)] to generate the massive premium, holding U.S. Treasuries as collateral,&#8221; a comment reads.
"If all you care about is getting the highest possible dividend payment next month, you would go all-in on a YieldMax fund. Probably MSTY or [YieldMax NVDA Option Income Strategy ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nvdy#NYSE">NVDY</a>)] or something like that. Mind you, that&#8217;s a horrible way to ‘invest' as it&#8217;s really just gambling. There&#8217;s no telling what a single stock will end up doing over the course of a month. The dividend payment might not even make up for the price depreciation, so you could end up negative for the month in total returns," this Redditor suggested.
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This commenter also recommended YieldMax funds, mentioning three options he considers are good picks for the poster&#8217;s target.
&#8220;If it's just gambling on the next month&#8217;s highest yield, I'd easily go with YieldMax, something like [YieldMax PLTR Option Income Strategy ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/plty#NYSE">PLTY</a>)], NVDY or MSTY or a mix of the three. Check which fund you believe more in and which yields are the highest and decide, but I think these three are among them,&#8221; he said.
Go for More Balanced But Still High-Yield Alternatives
Many users recommended the poster invest in covered call ETFs like JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>)​, NEOS S&amp;P 500 High Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPYI#NYSE">SPYI</a>) or NEOS Nasdaq-100 High Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQI#NASDAQ">QQQI</a>), which offer high yields with less extreme risk when compared to YieldMax funds.
&#8220;&#8216;Safest&#8217; I&#8217;d go with [0DTE S&amp;P 500 Covered Call Strategy ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/xdte#NASDAQ">XDTE</a>)], the covered call fund based on the S&amp;P that pays around 25% weekly and has remained pretty surprisingly [net asset value] stable and in line with [SPDR S&amp;P 500 ETF Trust (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/spy#NYSE">SPY</a>)] on total returns,&#8221; a commenter wrote.
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A Redditor replied to the comment above, saying, &#8220;Still, I&#8217;d do JEPI, SPYI, or [Amplify CWP Enhanced Dividend Income ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/divo#NYSE">DIVO</a>)] before XDTE.&#8221;
&#8220;Safer but still high? [JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/jepq#NASDAQ">JEPQ</a>)​]/JEPI/SPYI/QQQI/[WisdomTree PutWrite Strategy Fund (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/putw#NYSE">PUTW</a>)]. Smart? [Schwab U.S. Dividend Equity ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/schd#NYSE">SCHD</a>)],&#8221; a user said.
A commenter suggested an entirely different ETF, mentioning that while he&#8217;s also invested in high-yield assets, he keeps these allocations to a minimum.
&#8220;[REX FANG &amp; Innovation Equity Premium Income ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/fepi#NYSE">FEPI</a>)] for that 30% yield, or SPYI, or QQQI. I only keep 1%-3% of my portfolio in yield traps just for the dividend boost to my portfolio. Overall, I&#8217;m happy with that,&#8221; he wrote.
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</ul>

DIVO

FEPI

MSTR

Tidal Trust II YieldMax MSTR Option Income Strategy ETF

MSTY

NVDY

Tidal Trust II YieldMax PLTR Option Income Strategy ETF

PLTY

PUTW

QQQI

XDTE

Desperate Investor With $50K Seeks 'The Highest Possible Dollar Amount Of A Dividend Payment' – 'What Fund Would You Buy?' Reddit Erupts

If you&#8217;ve been paying attention to the stock market recently, you must have come across a rather unexpected turn of events—value stocks are taking center stage from their flashy growth rivals. Over the course of three months, the Russell 1000 Value Index has <a href="https://www.benzinga.com/general/market-summary/25/03/44555763/value-stocks-are-crushing-growth-superstars-in-2025-is-more-to-come">beaten the Russell 1000 Growth Index </a>by a healthy 11%. That&#8217;s a far cry from this time last year, when tech and AI plays were driving the market upwards.
Also Read: <a href="https://www.benzinga.com/etfs/new-etfs/25/03/44569468/growth-or-value-allsprings-new-etfs-offer-both">Growth Or Value? Allspring&#8217;s New ETFs Offer Both</a>
With tariffs, geopolitical tensions, and recession jitters swirling, investors are flocking to the relative safety of value stocks. But is it a permanent pivot, or a temporary sidetrack? Although no one knows for sure what the market will do, history suggests that value stocks have a way of surviving rough patches.
For those looking to ride the wave, these <a href="https://www.benzinga.com/etfs">four value-based ETFs</a> are worth considering:
iShares Russell 1000 Value ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWD#NYSE">IWD</a>)
The first choice for most investors seeking to follow the Russell 1000 Value Index, IWD offers broad exposure to large-cap value stocks from a wide range of sectors, such as financials, healthcare, and consumer staples. Some of its holdings include stocks of JP Morgan Chase &amp; Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>), Exxon Mobil Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XOM#NYSE">XOM</a>) and Procter &amp; Gamble Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PG#NYSE">PG</a>). With its size and liquidity, this ETF is a convenient means of achieving diversified exposure to the value sector. It carries an expense ratio of 0.19%.
Vanguard Value ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VTV#NYSE">VTV</a>)
An affordable fund with a bottom-of-the-barrel expense ratio of 0.04%, VTV tracks the CRSP US Large Cap Value Index. Blue-chip stalwarts such as JPMorgan Chase, and Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>) are overweights in this fund, which is a good bet for stability and long-term growth.
SPDR S&amp;P 500 Value ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPYV#NYSE">SPYV</a>)
If you desire exposure to value stocks as part of the larger S&amp;P 500, SPYV may be considered. This ETF targets S&amp;P 500 stocks that reflect strong value features in terms of low price-to-earnings and price-to-book ratios. With the valuation differential between value and growth stocks as high as it is now, this ETF is poised to profit from a possible market correction. The portfolio is similar to that of IWD and VTV, and the expense ratio is 0.04%.
Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>)
Dividend stocks tend to overlap with value stocks, and SCHD is a good representative of this case. Concentrating on high-grade dividend-paying businesses, this ETF not only gets investors exposed to value stocks but also provides a steady income under market uncertainty. Its portfolio carries blue-chip brands such as Coca-Cola (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KO#NYSE">KO</a>), PepsiCo (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>), and Pfizer (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFE#NYSE">PFE</a>). This ETF comes with an expense ratio of 0.06%.
Also Read: <a href="https://www.benzinga.com/25/03/44570070/tariffs-inflation-and-tumbling-markets-these-5-etfs-thrived-amid-the-chaos-last-week">Tariffs, Inflation And Tumbling Markets: These 5 ETFs Thrived Amid Last Week&#8217;s Chaos</a>
Why Value Could Stay On Top
Last quarter&#8217;s value outperformance is more than just jitters in the market. It&#8217;s because, as BlackRock&#8217;s Global CIO of Fundamental Equities Tony DeSpirito <a href="https://www.blackrock.com/us/individual/insights/value-stocks-underweight-and-unaware?utm_source=chatgpt.com">says</a>, growth stocks now comprise almost 40% of the S&amp;P 500—more than double their long-term average of 24%. With the valuations pulled forward, investors might begin shifting into value stocks for diversification. In addition, sectors like utilities, health care, and materials—staples in value indexes—are less tariff-vulnerable and potentially even positively affected by changes in trade policy.
While growth stocks may recover over time, the current market environment has favored value stocks. For those interested in exploring this trend, these four ETFs offer examples of funds that focus on value investing.
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Photo: Shutterstock

SPYV

Value Stocks Gain Ground As Inflation, Recession Fears Grow: 4 ETFs To Capitalize On The Trend

Many dream of <a href="https://www.benzinga.com/personal-finance/24/11/41781968/suze-orman-says-if-youre-rich-like-her-then-you-can-retire-early-but-if-you-only-have-2-million-">retiring early</a>, but making it a reality requires careful planning, especially when you want to rely on investment income.
For those who aim to leave the workforce ahead of schedule, a dividend-oriented portfolio is a great strategy as it provides a steady cash flow. Balancing the yield and risk is crucial, though, to enjoy the <a href="https://www.benzinga.com/personal-finance/25/03/44390125/stock-market-timer-with-130k-cash-reserve-debates-nvda-investment-should-i-do-it-differently-or-stick-to-his-high-stakes-plan">investment</a>.
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One Reddit user, an investor with a $640,000 portfolio, is encountering this issue as he plans to retire in five years or less. Heavily invested in Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) with smaller positions in Amplify CWP Enhanced Dividend Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIVO#NYSE">DIVO</a>), Amplify CWP International Enhanced Dividend Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IDVO#NYSE">IDVO</a>), and Amplify CWP Growth &amp; Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QDVO#NYSE">QDVO</a>), the poster&#8217;s portfolio generates $27,162 in annual dividend income.
His goal is to build a portfolio that provides inflation-beating dividend growth, but he&#8217;s wondering whether he diversified enough, whether he should introduce bonds when nearing retirement, and whether the current allocation can generate $75,000 per year.
&#8220;I try to live modestly. I live in a small house. No mortgage. No debt. <a href="https://www.reddit.com/r/dividends/comments/1ji8lcd/comment/mjeufff/?utm_source=share&amp;utm_medium=web3x&amp;utm_name=web3xcss&amp;utm_term=1&amp;utm_content=share_button">My current nominal expenses are about $45,000 per year.</a> I'm thinking about diversifying into [Schwab International Dividend Equity ETF (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/schy#NYSE">SCHY</a>)] to get a little more international exposure,&#8221; he wrote.
Trending: Many are using retirement income calculators to check if they&#8217;re on pace —<a href="https://www.benzinga.com/money/how-do-i-calculate-my-retirement-income-adv"> here&#8217;s a breakdown on what&#8217;s behind this formula.</a>
The Reddit community weighed in, offering advice and insights, so let&#8217;s analyze the suggestions below.
<h2 class="wp-block-heading">Can The Current $640,000 Portfolio Generate $75,000 Per Year in Dividends? Reddit Debates</h2>
Increase Yield with Higher-Paying ETFs And Stocks
Several users suggested adding higher-yielding assets to boost income, mainly since the investor&#8217;s 4.24% yield may not cover his $75,000 target.
&#8220;Try getting more yield exposure. [Broadcom (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/avgo#NASDAQ">AVGO</a>)], [Nike (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/nke#NYSE">NKE</a>)], [Visa (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/v#NYSE">V</a>)], [The Home Depot (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/hd#NYSE">HD</a>)]–all have high 5-year [compound annual growth rate]. Yield: [MPLX LP (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/mplx#NYSE">MPLX</a>)], [JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/jepq#NASDAQ">JEPQ</a>)], [Guggenheim Strategic Opportunities Fund (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/gof#NYSE">GOF</a>)], [Ares Capital Corporation (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/arcc#NASDAQ">ARCC</a>)​], [VICI Properties (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/vici#NYSE">VICI</a>)], [PIMCO Dynamic Income Fund (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/pdi#NYSE">PDI</a>)],&#8221; a suggestion reads.
A Redditor advised the investor to allocate two parts of the portfolio to a covered call ETF and a high-yield fund since they pay well and the gains are great.
&#8220;Add JEPQ and [Goldman Sachs S&amp;P 500 Core Premium Income ETF (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/gpix#NASDAQ">GPIX</a>)]. You will have good gains from those and they pay a lot.&#8221;
A commenter suggested Ares Dynamic Credit Allocation Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ARDC#NYSE">ARDC</a>), a business development company because it offers nearly double the yield of SCHD.
&#8220;ARDC is a monthly payer, now at a good entry point at $14.14-ish with a 9.9% dividend, currently paying $0.1125/share monthly. Just went x-dividend. I hold 5,000 shares of ARCC (for several years) and 5,000 shares of ARDC (a more recent position),&#8221; he said.
See Also: Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a>
Focus on Dividend Growth and Compounding
Many Redditors suggested that dividend growth stocks and ETFs are ideal for long-term retirement income, with many sharing what they do to ensure compounding growth for their portfolios.
&#8220;A well-diversified dividend portfolio with a disciplined reinvestment rate should be easily able to weather most storms. And you become a net buyer of shares every year, not a seller. That $640,000 could easily and safely do 8.5% gross and provide a 25% reinvestment rate and still net $40,000/year. I&#8217;m living it,&#8221; a Reddit user said.
&#8220;Nice and consistent portfolio. SCHD, DIVO, and IDVO are very consistent in growth and dividends. Don't know much about QDVO, but I am sure if it's similar to DIVO it's a good pick. I like your portfolio!&#8221; another commenter wrote.
A retiree shared that his income from dividend-focused shares continued to pour even during market corrections and that he&#8217;s reinvesting part of his distributions, growing his wealth year after year.
&#8220;My dividend income didn&#8217;t miss a beat during corrections in 2022, etc. Since I retired 15 years ago, I never sold shares except to rebalance. I reinvest part of my distributions during dips, like now, resulting in my portfolio being over twice what it was when I retired,&#8221; he said.
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ARDC

GPIX

IDVO

MPLX

Amplify ETF Trust Amplify CWP Growth & Income ETF

QDVO

SCHY

VICI

Investor With $640K Portfolio Aims For Early Retirement – 'Hoping To Retire In 5 Years Or Less' But Faces Tough Choices – Reddit Weights In

A Redditor recently cast doubt on one of the most popular retirement vehicles: the Roth IRA. The Redditor <a href="https://www.reddit.com/r/dividends/comments/1jj82bs/i_am_honestly_a_little_confused_and_wanting_some/">posted in the Dividends subreddit</a> about investing aggressively in the Schwab US Dividend ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) and not needing a Roth IRA. The Redditor shared some calculations that show he can earn $50,000 to $70,000 each year from SCHD in 20 years. Based on that logic, the Redditor was wondering if a Roth IRA makes any sense.
The comments section quickly explained why Roth IRAs are valuable and how they can help the Redditor maximize their returns.
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<h2 class="wp-block-heading">Roth IRAs Result in Zero Taxes on Dividends and Gains</h2>
The main reason people invest in Roth IRAs is to avoid taxes on dividends and capital gains. While that's advantageous for any investor, it's especially beneficial for dividend investors. That's because SCHD's dividend distributions are normally taxable. While you won't have to pay at the ordinary income tax rate, you still end up with taxes on SCHD that will limit your portfolio's growth.
SCHD currently has a 30-day SEC yield of 3.71%. Buying shares in a Roth IRA allows you to avoid any taxes on that yield. Furthermore, the capital gains are also tax-free if you decide to sell SCHD in the future.&nbsp;
Trending: BlackRock is calling 2025 the year of alternative assets. <a href="https://www.benzinga.com/money/masterworks">One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</a>
<h2 class="wp-block-heading">The Redditor Used an Inaccurate Model</h2>
The Redditor makes several assumptions to assume their SCHD position will generate $50,000 to $70,000 per year in 20 years. One of those assumptions is a generous dividend growth rate which some of the commenters question.
One of the commenters mentioned that the yield is unlikely to increase as the model shows. The commenter anticipates that SCHD's yield will hover between 3% and 4%. The Redditor assumes the yield will jump from 3.77% to 6.75% over the next 20 years. It's a very generous assumption since the average company isn't going to give out a 6.75% yield.&nbsp;
A Roth IRA can make it easier to reach that goal. However, the Redditor will have to invest a lot more into SCHD than their model suggests if they want to earn up to $70,000 per year from dividends.
See Also: Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.
<h2 class="wp-block-heading">When Do You Plan on Retiring?</h2>
While most Redditors pointed to the benefits of a Roth IRA, there was a small corner of the comments section that agreed with the original poster. If the Redditor can retire before turning 50, then it wouldn't make as much sense to use a Roth IRA.&nbsp;
Those funds won't be accessible until the Redditor turns 59 1/2 years old. If you invest in a brokerage account instead, you can access all of the dividends right away.&nbsp;
This is the best argument against Roth IRAs since some people may want to retire earlier. However, you can also combine Roth IRA contributions with brokerage account contributions. You can have both and use the dividends from your brokerage account to cover your expenses until you can withdraw from the Roth IRA penalty-free.
However, this scenario only matters for people who have a shot at retiring before they turn 59 ½ years old. Someone who retires in their 60s would have benefitted from using a Roth IRA for some of their SCHD investments.&nbsp;
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Image: Shutterstock

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