SCHD RETIREMENT LIES. The Truth About SCHD ETF

#dividendinvesting #dividendstocks #passiveincome

DISCLAIMER: All of Austin's trades, strategies, and news coverage are based on his own opinions alone and are only done for entertainment purposes. If you are watching Austin's videos, please Don't take any of this content as guidance for buying or selling any type of investment or security. Austin Lieberman is not a financial advisor and anything said on this YouTube channel should not be seen as financial advice. Austin is merely sharing his own personal opinion. Your own results in the stock market or with any type of investment may not be typical and may vary from person to person. Please keep in mind that there are a lot of risks associated with investing in the stock market so do your own research and due diligence before making any investment decisions.

[ethelbertt]

Luv the ETFs. I own both SCHD, QQQ and individual stocks that I collect dividends, which are well managed.

[noahzimmerman-ygqt]

SCHD outperformed VTV over 5 and 10 years and is very low cost. Many of us have a boatload in the S&P500 index . Still have the bulk of my $500k portfolio in SCHD.

[shaun]

You didn't account for the dividend growth year to year. SCHD has increased its dividend every year

[rexrandall]

It’s one thing to disagree with someone it’s another thing to call someone a liar

[modrake]

The calculator you used doesn't take into account the compounded growth of dividend reinvestment.

[misternobody]

A couple issues with your argument. 1) taxes & inflation affect any investment. SCHD has qualified dividends unlike REIT’s, oil trusts or covered call etf’s like JEPI and QYLD. Second, the 12% return is reasonable because its a total return. 8.5% market return plus 3.5% dividend yield. That is within your range of 8-10% S&P return. Lastly, you don’t forecast a flat return for SCHD, you need to include dividend reinvestment which is what most people do. So good luck with your crypto plan to be a millionaire while the rest if us actually get there with SCHD.

[dorissteve]

Retirement is wonderful if you have two essentials — much to live on and much to live for. Invest wisely and get good returns.

[Riggsnic_co]

The S&P 500 finished down 20% in 2022. This means long term investors have a great starting point in 2023. Here are 4 very popular ETF’s: $VOO- S&P 500 fund $VTI- Total US stock market $QQQ- High growth, tech $SCHD- Growth + Dividends| I just tallied my dividends for the year;$167k Blessed and grateful, disciplined and focused.

[dustinyork]

Except SCHD is compounded quarterly, not annually.

[Danpron]

As an investment enthusiast, I'm intrigued by how top-tier investors manage to become millionaires through their investments. While I have a substantial amount of initial capital, I'm uncertain about the strategies and approaches necessary to achieve returns exceeding $400k, as some have done this season.

[chazruffin]

12% is an unrealistic rate of return to assume over a 20-30+ year period. The US is coming off one of the best bull markets ever and SCHD happened to be created at the beginning of it, which explains it’s 13% return since inception.

A more realistic rate of return would be 7-8% adjusted for inflation. The S&P 500 has had an inflation adjusted return of about 6.5-8% historically depending on what time period you’re looking at. It’s better to underestimate than overestimate when it comes to retirement planning.

[jeffreymorgan]

You’re looking at returns but what about the dividend growth compounding returns?

[richardperritti]

SCHD is great ETF. My opinion, it would be a nice part of a portfolio and is part of my portfolio. Using SCHD as total retirement plan, in my opinion, is not the way to go.

[wread]

“When it comes to the future, no one can predict it” ~Warren Buffet

[KeithSibucao]

i think nolan took the accepted rate of return which is 8-9% and added the 3.58% dividend to get the 12%. atleast thats how i think i remember it happen when prof G did his calculations.

[DukeRellington]

I watch the same channels, and absolutely agree. They are prioritizing sales tactics and click bait over people's financial well-being. I appreciate you calling this out.

[krelbar]

I do 50% schd, 40% FXAIX and 10% percent growth ETFs (I alternate between BOTZ, SCHG and SOXQ. I don't feel the need for bonds...SCHD is a little more volatitle than bonds, but the last downturn showed that bonds are no longer guaranteed to soften the blow in a downturn.

[PreparedToWander]

Thank you for this more honest video. There are too many clickbait videos about dividend retirement. While SCHD does sound like a good idea, it's important to be realistic about the numbers. Too many people are acting like they can predict the next 30 years.

[MidwestMoney]

Great video. I based my future retirement on a 6% return 15 years ago. Let's just say I'm comfortably ahead of schedule. It's better to estimate a little low versus high. I'm in FIRE mode now and will be out before my 50th birthday. I'm just trying to decide if SCHD would be wise to dollar cost average into over the next 6 years. I see the light at the end of the tunnel.

[jasonluong]

That's the problem, and it's a big one, with these investment videos. There is virtually no debates among these authors of these channels. They are all talking heads with one-sided opinions. The worst of the worse are the channels that show the authors making an insane amount of money. You know who they are. They would show the expensive cars they drive, the fancy house(s) they live in, and the exotic vacation locals they go to. Human beings are naturally greedy. If you have discovered a secret to make you money effortlessly, odds are you won't be sharing it with the world. You don't see billionaire investors who actually have billions have Youtube channels "teaching" you how to make money like they do. At best, they would give out some general vague advice. Things like diversifying your investments or not putting too much money in speculative stocks, but they never would ever tell you specific stocks to buy. By contrast, many investment channels would actually tell you what stocks to buy. If they were so sure of the stock's trajectory to the Moon, their greedy nature would certainly make them keep that a secret.