📉 SCHD 팔고 VTI로 리밸런싱 해볼까요?

Buy high, sell low. The name of the game on reddit.

At 34 you shouldn’t have any schd

What is the other 80% invested in?

I'd just leave it since you'd lose a good bit on taxes- unless there's a serious pullback in VTI. At that point start rebalancing. What's happening today isn't the pullback you're looking for.

Yes I have been doing the same. Similar age to you and decided I don’t need dividends right now and would rather prioritize growth. You can have higher dividends and lower growth or higher growth and low/no dividends. The 2nd option is better for me right now.

Your investments should have a purpose. What was the initial purpose of your SCHD holding? For what it's worth I feel like one flavor of equity for another isn't great strategy for rebalancing fuel. Broad equities versus say long bonds? That might be something. And 1.5% isn't really much of a dip. I wouldn't chase that kind of thing.

I have read QQQM CHAT SMH VOO and chill lately.

You said it all: “I’m 34 and do not need dividends.” Dividends are great for older investors for whom capital preservation is more important than capital appreciation. At 34, that is not the case, especially with retirement funds.

Literally never sell.

I'd say keep it. It's a good form of diversification with how concentrated total market indexes have become.

Schd is finally on a steady rise and you want to sell 😔

Buy RGTI, RKLB, MARA and HUT

If it were me, I’d sell the SCHD and buy international etfs like vea, veu, or vxus as a hedge. You already have Vti so you already have plenty of exposure to us equities. Those three tickers are currently beating the s&p500 so take it for what it’s worth.

Schd isn’t that good of a reward machine if you zoom out. Capital appreciation of a principal is all that matters.

This sub and other investing subs hate SCHD for anyone who isn’t almost dead. But if you go over to r/dividends or whatever and everyone says you are stupid to not buy SCHD because it’s the mostest bestest things ever. I’m 38 and have a good bit (for my modest self) of SCHD in my Roth. Way I look at it is last week I put in my $7500 to max out my contribution for the year. But my SCHD PORTION (capitalized for emphasis, oh and it’s about 20% of my Roth) will contribute an additional $1700 this year for me. Maybe I could guess the next small cap winner and make a bajillion doll hairs next week but man I think it’s cool to get the ball rolling early on some dividends. Yea it’s been flat through 25’ but that means my ~ $1600 last year in dividends bought more for me than it otherwise would have. I like to look at what companies are in etfs and there’s a lot of companies I interact with on a daily basis on SCHD. I don’t see them going away in my lifetime or my children’s lifetimes.