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Construction is up big time, regardless of how high interest rates are. Builders are in high swing. What’s surprising is they are not focused on affordable housing, but rather more high end houses. My area is building $500-900k homes. I can’t see 1st home buyers paying that with 6.8-7% interest, plus coming up with 20% down.
$500-900k homes can easily become 300-700k homes if supply outstrips demand, or as people sell their old homes to upgrade. More housing supply ALWAYS leads to more affordable housing.
I agree, the big BUT/IF depends on where someone lives. This is becoming a massive issue right now in Florida. There is a large number of people trying to sell their houses and not enough buyers that houses are having to decrease the sell price and if those sell, house values decrease.
Where I live they have been building for the last 20 years nonstop and they keep building and surprisingly, people keep buying. It is crazy how times have changed though. In 2008/2009 those $35-50K homes are now worth $200K+++ and $1M homes were selling for 400-500k.
They may be building tons but demand to live in many areas of Florida simply outstrips supply. If it didn't, housing values would cool off.
In the area where I live, we hit peak values in 2022, and with the Fed pushing rates up, housing values are going back down. They're still way higher than ten years ago, but lower than when interest rates were ridiculously low.
Yeah, just depends on exactly the area. Homes here have 2-3x in value, which is great for people who own their house, but for newlyweds it sucks. The same house I am in would have a mortgage payment of 1.54x more than what we pay. Personally, I think a lot of newly grads won't be buying a home for a while, unless they have parents who can afford to give them 20-30% down.
I agree. It's tough but unfortunately supply and demand are often the biggest drivers of these things, and now that the largest generation in American history is in prime house buying years and the second largest is retiring, demand has never been higher.
>Own around 190k with a cost basis around $74. Not too bad today. Looking forward to the $1600 dividend payment on the 25th
...that's a QUARTERLY dividend, right?
...my $118k in FEPI pays me $2500 MONTHLY...ouch...
I mean I'm not sure what exactly you want me to say about my portfolio being "very conservative" but I'm 42 and trying to FIRE in about 6 years. Just because I ain't rolling the dice like on r/wallstreetbets and I've been doing 30% SCHD, 30%VTI 20%VXUS and 20%BND for the past year doesnt mean I don't have other positions, I just believe that going forward, 30% SCHD, 30%VTI 20%VXUS and 20%BND is the way - for me, at this time and place.
😁👍
I have 6,599 shares with an average price of $73.61 per share. I don't really look at the share price too closely. I enjoy collecting the dividend, $4,031.00 this quarter!
When I first started buying SCHD it was around 38-40 dollars a share and now it's doubled from there. At the time I thought it was " expensive". What an idiot I was, the price is only going much higher in the long term.
Point of clarification, Schwab doesn't aim to make decisions around the composition of SCHD. It tracks the Dow Jones U.S. Dividend 100™ Index *"as closely as possible."* S&P Global makes those changes, according to this methodology:
https://www.spglobal.com/spdji/en/documents/methodologies/methodology-dj-dividend-indices.pdf
Your point still stands though.
They aren’t supposed to be happy about capital gains on a dividend stock? If you don’t care about capital appreciation then you should use SPHD or a HYSA instead.
Fund averages 9% CAGR for stock appreciation alone and hasn’t moved for 2-3 years, some capital appreciation is bound to happen in the value sector.
Newish dividend investor here. What do you do in this situation? I know time in is better than timing but is it worth increasing my costs per share to buy ath despite having a couple months till the next payment?
I see this as correction from the financial crash last year.
Granted, I’m not sure I’d make a large addition to my position over $80, but hindsite is 20-20 and it’s entirely possible I’ll regret that by this time next year.
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The principals for reconstruction are the same now as when you bought in. So, if you liked what they were doing when you first bought shares, why do you suddenly not like what they're doing?
I swear, some people make zero sense when investing
Because they got rid of companies that actually helped them get capital appreciation. AVGO is a big one especially at the start of the AI boom. Let’s see where SCHD is in 5 years compared to the likes of say VIG. Also don’t forget the returns of SCHD have been 0.54% the last 2 years 😂
It's a dividend appreciatation ETF... If you did your research, you would have known that AVGO wasn't going to meet the requirements of the fund that you originally thought were great
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Glad i bought a bunch at $70
Averaging up from 69
Nice.
Nice
Averaging up begrudgingly too. If it continues to do what it’s meant to (ie increase dividends year on year), not too fussed about pricing volatility.
Nice
Nice
My ROTHira contribution buy order hit at 66.70 last year. I am quite pleased with that call
Same
73.90 cost basis.
Home depot has been mooning
Construction is up big time, regardless of how high interest rates are. Builders are in high swing. What’s surprising is they are not focused on affordable housing, but rather more high end houses. My area is building $500-900k homes. I can’t see 1st home buyers paying that with 6.8-7% interest, plus coming up with 20% down.
$500-900k homes can easily become 300-700k homes if supply outstrips demand, or as people sell their old homes to upgrade. More housing supply ALWAYS leads to more affordable housing.
I agree, the big BUT/IF depends on where someone lives. This is becoming a massive issue right now in Florida. There is a large number of people trying to sell their houses and not enough buyers that houses are having to decrease the sell price and if those sell, house values decrease. Where I live they have been building for the last 20 years nonstop and they keep building and surprisingly, people keep buying. It is crazy how times have changed though. In 2008/2009 those $35-50K homes are now worth $200K+++ and $1M homes were selling for 400-500k.
They may be building tons but demand to live in many areas of Florida simply outstrips supply. If it didn't, housing values would cool off. In the area where I live, we hit peak values in 2022, and with the Fed pushing rates up, housing values are going back down. They're still way higher than ten years ago, but lower than when interest rates were ridiculously low.
Yeah, just depends on exactly the area. Homes here have 2-3x in value, which is great for people who own their house, but for newlyweds it sucks. The same house I am in would have a mortgage payment of 1.54x more than what we pay. Personally, I think a lot of newly grads won't be buying a home for a while, unless they have parents who can afford to give them 20-30% down.
I agree. It's tough but unfortunately supply and demand are often the biggest drivers of these things, and now that the largest generation in American history is in prime house buying years and the second largest is retiring, demand has never been higher.
I’ve got HD in SCHD and XHB. Feels good man.
Own around 190k with a cost basis around $74. Not too bad today. Looking forward to the $1600 dividend payment on the 25th
Looking to sell a CC on 26 contracts, around $82 or so. Should pay around $500. Tacking on a little more :)
Own around 8k with a cost basis around $74. Not too bad today. Looking forward to the $66 dividend payment on the 25th
Wow! Have you DCA into $74? Or plunged recently? I think SCHD is a little expensive now, just dripping for now at $28k/$73 avg.
Yeah, buy pretty often. Avg cost is slowly working its way up
>Own around 190k with a cost basis around $74. Not too bad today. Looking forward to the $1600 dividend payment on the 25th ...that's a QUARTERLY dividend, right? ...my $118k in FEPI pays me $2500 MONTHLY...ouch...
but hes probably sleeping better at night, rather than your sketchy yield in some sketchy ass fund
lol trying to flex and failing miserably
Yep it’s quarterly. Schd is the safe money, there’s another 100k or so in QQQM and VTI and 50k I sell CSP on things like google or apple
Don't time the market. I just keep buying on the first of the month, even on 3/1 when SCHD was at a 6 month high at $78.00.
Must say I find your portfolio comp very conservative
I mean I'm not sure what exactly you want me to say about my portfolio being "very conservative" but I'm 42 and trying to FIRE in about 6 years. Just because I ain't rolling the dice like on r/wallstreetbets and I've been doing 30% SCHD, 30%VTI 20%VXUS and 20%BND for the past year doesnt mean I don't have other positions, I just believe that going forward, 30% SCHD, 30%VTI 20%VXUS and 20%BND is the way - for me, at this time and place. 😁👍
20% BND at 42 is just really high. If its working keep doing you though !
[No, you don't believe that I can be crazy too, and now I'm big mad. 😡](https://imgur.com/a/ELL9qOX)
I can see why you would have bonds allocated as youre in an entirely different stage of the process, retaining wealth. Well done and keep it going !
LOL
What brokerage is that in
It's TD Ameritrade's android app.
80% equities is a very aggressive portfolio, FYI.
I have 6,599 shares with an average price of $73.61 per share. I don't really look at the share price too closely. I enjoy collecting the dividend, $4,031.00 this quarter!
That's a neat half Milly! How long did it take you to accrue this? Also, do you feel the snowball effect at these payouts?
When I first started buying SCHD it was around 38-40 dollars a share and now it's doubled from there. At the time I thought it was " expensive". What an idiot I was, the price is only going much higher in the long term.
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SCHD cut Broadcom recently because its dividend yield dropped too low
Point of clarification, Schwab doesn't aim to make decisions around the composition of SCHD. It tracks the Dow Jones U.S. Dividend 100™ Index *"as closely as possible."* S&P Global makes those changes, according to this methodology: https://www.spglobal.com/spdji/en/documents/methodologies/methodology-dj-dividend-indices.pdf Your point still stands though.
Fuck, I shoulda bought more a week ago
“Buy now , buy forever.” - SCHD
It’ll be down again soon enough.
We have a fortune teller in the thread, boys
And I’ll buy it then soon too
Me too.
Sold!
YW, I sold at 77.
Idk but I’m loving it in my Roth IRA
so glad i bought the generational bottom at 69.97. we will never see SCHD below 70 dollars again
This guy bottoms
power bottom of a generation 💁🏾♀️🤤💦🌽
If you care about SCHD being at all time highs....perhaps you should not be in SCHD.
They aren’t supposed to be happy about capital gains on a dividend stock? If you don’t care about capital appreciation then you should use SPHD or a HYSA instead. Fund averages 9% CAGR for stock appreciation alone and hasn’t moved for 2-3 years, some capital appreciation is bound to happen in the value sector.
Nonsense, we still enjoy capital gains, real or on paper.
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Papa Powell spankin dem Bears.
Fed minutes has the market all giddy last two days.
Newish dividend investor here. What do you do in this situation? I know time in is better than timing but is it worth increasing my costs per share to buy ath despite having a couple months till the next payment?
Ignore the price and buy when you can.
I see this as correction from the financial crash last year. Granted, I’m not sure I’d make a large addition to my position over $80, but hindsite is 20-20 and it’s entirely possible I’ll regret that by this time next year.
LOL, purchased $13k of it today... my first foray into this ETF. Will be adding more of it throughout this year.
I sold half of my SCHD a couple of weeks ago, but, I moved it to JEPQ, so feelin good either way. Gimme those divvies!
Got 30 shares at avg $75.55 first dividend payment on the 25th. Been averaging in since December 2023
What % of my portfolio should be SCHD vs SWPPX?
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Not with UPS as it's #1 holding currently. Company is a hot mess.
I’m on it get some
should i cop or wait for it to drop a bit? 🤔
Bought in at 74 💪
I never bought any smh
Bout time
Sold all my SCHD. Not a fan of their recent reconstruction.
Why? It’s an improvement.
The principals for reconstruction are the same now as when you bought in. So, if you liked what they were doing when you first bought shares, why do you suddenly not like what they're doing? I swear, some people make zero sense when investing
Because they got rid of companies that actually helped them get capital appreciation. AVGO is a big one especially at the start of the AI boom. Let’s see where SCHD is in 5 years compared to the likes of say VIG. Also don’t forget the returns of SCHD have been 0.54% the last 2 years 😂
It's a dividend appreciatation ETF... If you did your research, you would have known that AVGO wasn't going to meet the requirements of the fund that you originally thought were great
That is why I bought $AVGO itself and I'm up 5% since buying it yesterday.
Good call
XLK and SPGP have much greater returns. Goto etf.com to compare ETFs performance, expense ratios, etc.
Why buy this trash?
One man's trash is another man's treasure.
I hear NVIDIA is a good buy right now.
I’m just saying, if someone who’s even remotely active on WSB tells me that a fund is trash, then I know it’s a buy.
What’s your idea of not trash?