SCHD
Schwab US Dividend Equity ETF
stock NYSE ETF

And SCHD grows with the market. HYSA only has the rate, but the principle never grows.

I just roll everything into SCHG or SCHD but yeah, basically this.

I would get more growth stocks and slow down on SCHD, you got a lot of time before you retire so let it grow.

I like SCHD, but i wouldn’t place it above growth stocks at your age. Focus on those ETF’s first

I will say there are buffoons on this board that can’t see past a single fund. Many people get more growth, have very safe holdings and have dividends (not distributions) by holding stocks of great companies long-term. I have a few single stocks that have outperformed these funds on their own.
People will gripe “diversification”. If you do much business and economic reading you’ll do better.
Those that are ok with average and want to do little to understand their investments buy into funds like SCHD, which is a great fund, for most people.
I’d rather see people investing in that than a HYSA.
But if you are a hardened dividend fund investor, don’t put others down. Most of you think there’s only one investment, the one you’re in.
Let people decide in what their goals are, don’t provide them for them.

Look at dividend stock ETF, such as VYM, or SCHD.

Thanks for the honest reply. I invest in very dull efts through my 401K. Honestly I have kind of gambler tendencies as well, but I like seeing the swings of stuff. I’ll probably continue buying shares of MBX and then maybe some SCHD, but penny stocks to me seem to be interesting because they are in fact volatile. I’m trying to dip my feet in tbh while passively investing in other areas. I’d rather not throw money away but at the same time I wouldn’t mind taking some lumps.

BTC, SPY, SPYG, SCHD, MSFT

I don't know the others enough but SCHD is not what I would recommend for someone so far from retirement (vs something more growthy like VUG or boring like VTI). Grows very slowly and you don't need the dividend income (due to age, and how small the investment is).
But I also suck at this so follow your heart.

Dividend characteristics are not useful when you're deciding your asset allocation.
They are just one method of returning value to shareholders.
Roughly a third of all wealth created investing in the market cap index comes from dividends reinvested, historically.
Two thirds comes from businesses growing, increasing the assets on their books, expanding to new markets and new countries, inventing new industries, new technologies, new products and revenue streams. Then, sometimes those companies have so much cash on hand that they buy back their own shares, raising the value of yours by reducing supply. You know... Supply and demand. The basis of valuing things.
These are things that, when you own a share of a business, makes your share of that business more valuable.
What dividend a company pays or doesnt pay is not useful information when youre making a diversified portfolio. Diversified exposure to the equity risk premium produces higher risk adjusted returns, and because the geometric return has lower variance, you get a higher total return, when you diversify fully. Thus why the USA total stock market has outperformed the top performing dividend growth fund, PRDGX, since PRDGX launched in 1993, and has even further outperformed SCHD since it launched as well.
Explaining this wouldnt be so disappointing if it weren't so fundamental to basic common sense.

I was primarily in SP500 and BRK.B until age 64 in 2024. Transitioned into SCHD and other dividend that year going into retirement at 65 this past April. Portfolio yields 4.5% and dividends have been growing at 5%+.

Calculate the time window you can use to invest this, then keep DCA through this time window in VYMI, or SCHY, SCHD, SCHX, SCHG, DIVO, JPM.

What’s more important to you? Dividends or Growth? With ETF’s, I don’t see a point in adding multiple overlapping ETF’s in a pie. I’d only add ETF’s that are drastically different.
For instance, I have a pie that is SCHD, BND, and FBTC. I’m primarily a dividend investor. All 3 of these funds are VERY different from each other.
VOO and VTI are practically the same ETF, so it makes no sense to have them both.

Ask this on YieldMax and not Divideds. These people hate free money and jerk off to SCHD all day. Also... read the prospectus?

I'm 40, married with 1 child, in NY but aiming to move out in 1-2 yrs. I received $180k inheritance earlier this year, I have it in SGOV for the time being, as a temporary spot. I've been getting roughly $550-$600 ish per month from that. It's safe but I know it can be doing more.
So I'm partially scared to lose this windfall because this is the most money I've ever seen but I also want to grow it for myself and my family. Its bigger than my regular savings overall. Retirement savings are sorta behind but have potential to catch up with my new salary as a nurse.
Some ideas that were suggested to me for the 180k are
1. 80% VOO/20% VXUS
2. SCHD/VOO/VGT
3. Keep 80k in SGOV and 100k in equities.
4. Other notable mentions I keep hearing are JEPI, JEPQ, and O.
What do you guys think? Anything that's qualified dividends would be best I guess right? Because then all you pay are 15% capital gains tax?

To answer you question, meet a 401k match first. Then max your Roth. Then max your 401k OR fund your brokerage. At 36, I was going all in on growth. Now I’m all in on JEPQ in my Roth and all in SCHD in my brokerage. 401k for my current company meeting match plus some (very close to max). My orphan funds are getting moved to a traditional IRA this week and will be all in for JEPQ there as well. The plan is to back door the funds in traditional IRA into my Roth to finish at retirement so I am mostly tax free when I pull trigger.
This is my plan. YMMV. Do your research! This is what works for my risk.

80% SCHG, 10% SCHD now, less in SCHG and more in SCHD as you get closer to retirement

The ones I have in taxable: SCHD, DGRO, QQQM, EPD, O and half dozen individual stocks which will eventually get folded into the ETFS and MLP.
I love MLPs like EPD - you’ll need to research, but basically the dividends are tax deferred until you sell the shares (units). You can end up basically tax free - then you die and just hand shares to next of kin. MLP dividends, like REITs, are not taxed at corporate level before being paid to you. This is why these type of investments have higher yields than regular stocks which have double taxation. You’ll get K-1 at the end of the year which your accountant will know what to do with.
You will want an accountant regardless of which investments you choose. Once you hit a certain level of dividends in your taxable account you’ll end up needing to pay estimated taxes each quarter because your paycheck withholdings won’t cover it. I pay $3500 or so a quarter between state and federal to cover the extra income from dividends and interest.

Whenever you're unable or unwilling to make trades yourself (buying/selling). Otherwise it's nearly always best to do it manually. The exception is only when the dividends are just a by-product of the type of instrument you're investing it, but not necessarily it's primary purpose. Such as SGOV/SCHD. Yes both have decent distributions, but they exist for more than just the dividends 

Simply invest 100K on DCA auto invest over 3 years in SCHD. Put 75K in QQQ and 75K in VOO with same 3 or 4 years DCA duration.
With ETFs you will safe and compound over rest of your life. Get a good paying job. You will have approx 5K dividend each year with above split. Open ROTH and try contributing 7K by year end so there too you grow tax free.
**NOT A FINANCIAL ADVISE.**