🔥Get up to 15 Free Stocks with moomoo (LIMITED TIME OFFER). Open an account and deposit money today. j.moomoo.com/00su64 Which of these ETFs do you like BEST?
Retired. 12.5% JEPI, 12.5% JEPQ, 12.5% RYLD, 12.5%XYLD, 50% VOO. Haven’t sold any shares yet. I continue to buy with extra dividends. Would need to sell shares if I was not using CC ETFs. I understand total return rules but can’t bring myself to sell shares with a bucket or dividend growth strategy.
Schd, VYM, DGRO is the best mix IMO. Growth,stability, and high yield. BUT what really makes this best are the expense ratios! Everyone always forgets the expense ratios
75% SCHD 25% JEPI. Five years until retirement. All of JEPI in a Roth 401k all of SCHD in the Pre-Tax side. Generating $27,000 in divi's. DRIP all back in until retirement. Then those dividends should take care of a lot of retirement, plus social security and a small pension. Smooth sailing from here!
Which one? I buy them all. Slowly but surely. I spread across numerous dividend ETFs. Moats of moats. Very hard for any of them to collapse, and if I ever need extra cash I can turn off the DRIP and enjoy a flow of extra passive income. Passive income I can pass onto my kids
Your analogy is off base. JEPI is not a growth investment. It is a income investment that uses options trading to generate income. Compared to fixed income investments that are returning 4 to 6% it returns 8 to 10%. So every month it deposits cash into your portfolio. What is wrong with that?. It also improves your portfolio when the market is volatile. When the markets are rising, you need to be diversified into growth investments to improve your portfolios performance.
Retired tractor trailer driver. 15% silver, 20% gold, 8% QYLD, 32% Jepi, 12% bitcoin, 18% cash. I'll be moving 80% of my cash into SCHD. However, I'm going to hold off on SCHD till the news about Charles Schwab going bankrupt comes true or is proven false.
Why worry about not keeping up with a market upturn when you're making a 12-14% return? I like not having to worry about a market downturn while still making a great dividend. At retirement, you can live off of the dividend without having to touch the principal investment.
JEPI is primarily for those near or in retirement imo. I took early retirement from the federal reserve bank at 51 and I am predominantly a passive growth dividend Investor but i add in some yield by owning JEPI and DIVO. Of the ones you mentioned here, SCHD is the only one I own.
Try TSLY and OARK. TSLY pay 61 percent div and OARK pays a 51 percent div. I am retired too from gov and all i care about is dividends. SCHD has such a low div and quarterly div.
Hamilton Reiner the fund manager says 60% JEPI 40% JEPQ gives you similar holdings to the S and P 500. I like your holdings. I’m 50 VOO, 25 JEPI, 25 JEPQ
Yes, they are selling call options, but what isn't stated is the strike price and date of expiration of those call options. They could be long-dated OTM options.
I am buying into both JEPI and SCHD. SCHD is the larger of the two. Also throwing a little bit at JEPQ, nothing crazy. I do like the mix of stocks and covered calls, the strategy looks great on paper. If they manage it well it should make good money. However, I prefer a larger position in SCHD. Just my 2 cents worth.
I like the plan in the near term. A lot of volatility expected over the next 6mo, so JEPI could be good but it will lage when things get moving north again. Thanks for watching and commenting.
Totally agree with you. I am retired and my entire portfolio is SCHD and JEPI, in a 60/40 split. I get decent growth and great annual dividend income. Simple portfolio that does wonders for retirees.
JEPI does not write covered calls to cover 100% of the stock so it is not "Capped". It will not do as well as the risky ETFs in up markets but will still make money or at least break even in down markets as opposed to losing 20-30% like most others.
I think I prefer only SCHD. HDV and DGRO are much too low in yield. They will take a decade to finally reach a yield of 6-7% on the invested capital. I wanna retire next year as I can no longer stand my job, so I need high yield, even though stock price appreciation is weak.
Schd for the starting yeild and div growth. DGRO has a starting yeild thats too low for the growth to really compound in a reasonable time. Sometimes i wonder if DGRO stands for "dividends" and "growth" as share appreciation. HDV might not be bad if you need the money sooner than later. One will actually make more money in the long run if the share apprectiation grows slowly but the dividend growth is strong.
I liked one of the early statements you made; "maybe a mix of both is best for you..." I agree, as you stressed, that we all need to carve our paths with study and research, knowing where we are and where we're going. That said, I own and am buying JEPI and SCHD as well as other ETF's. I desire immediate income (JEPI) and I'm looking for future growth/income (SCHD). This is the strategy I've been using to continue building my "income machine". I appreciate your straightforward presentation and the breakdown of how you came to the choices you made. I hope we all put in the kind of diligence you do. Cheers
Buying of ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
The concept of using spreadsheets has always seemed incredibly time-consuming and superfluous to me. Each month, I simply deposit a large sum of money into my savings accounts, retain my spending money in an other account, and make an effort to spend as little money as possible.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
I encountered Dawn Maureen Humphrey through a CNBC interview, and I emailed her. She is guiding me. Since then, she has given me chances to buy and sell the stocks in which I'm interested. You can hunt her up online if you require care supervision.
Nice video. Thanks for the excellent presentation and information. Just a comment. HDV's total returns are lukewarm at best. This is why I haven't bought into it. DGRO has good possibilities too. But SCHD is very good overall. If dividend is the goal, JEPI isn't too bad either.
Not if you are retired. JEPI and JEPQ are way better. Even if they only average 8-9% a year you never have to sell your stocks and the income is good. If you need $50,000 a year to live on you would have to buy more than double the cost on schd compared to JEPI or JEPQ.@@MarkRoussinCPA
Nice! I also prefer DIVO over JEPI - doesn't have as high of a payout/distribution but has more upside potential. I'll add JEPI much later when I'm more closer to retirement.
Using them in a Roth as I do works just fine for me and since I'm old enough to use these dividends however I want and don't have decades to wait. I think I'll stick to the derivative income I receive from such Etfs. I do hold several other investments like schd and various stocks. Equities I've been into since the 80s. Thanks for the breakdown.
Yeah JEPQ has the potential for juicier payout/income because it takes advantage of volatility - helps for richer premium....and the Nasdaq-100 will be more volatile than the S&P 500.
@@MarkRoussinCPA so in bull market those dividend ETFs didnt beat market, why do u think next decade it will beat?. Isnt it good to invest in broad market ETF instead of dividends?.
This video is totally misnamed. As you have said in previous videos (You have forgotten?), JEPI is for income right now. None of your funds are for this, good as they may be. They should be seen as an alternative to SPY, not JEPI.
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Which of these ETFs do you like BEST?
Hey Mark! Another helpful video discussion on dividend ETFs. Thank you!
We only own SCHD, a core position in our retirement accounts.
@@davidwysocki1004 Thank you! SCHD is a great core position to have in my opinion, as its a top holding for me as well.
Which ETFs ?
Of the three, SCHD.
Retired. 12.5% JEPI, 12.5% JEPQ, 12.5% RYLD, 12.5%XYLD, 50% VOO. Haven’t sold any shares yet. I continue to buy with extra dividends. Would need to sell shares if I was not using CC ETFs. I understand total return rules but can’t bring myself to sell shares with a bucket or dividend growth strategy.
If it is working for you, then that is perfect!! Everyone has a different strategy.
Lots of overlap there
You gotta lever up buddy, use margin to buy more JEPI! Max that margin out!
@@BigDaddy-b8y I’ll pass thanks. I’m a tortoise kinda guy.
@@BigDaddy-b8y I have adjusted my portfolio to 50% VOO and 25% JEPI, 25% JEPQ. Ditched the YLDs.
Schd, VYM, DGRO is the best mix IMO. Growth,stability, and high yield. BUT what really makes this best are the expense ratios! Everyone always forgets the expense ratios
I’ve been doing research for many years. This is my exact mix as well.
@@golfncars5094 agreed! this mix will make us very stable in 20 years!
75% SCHD 25% JEPI. Five years until retirement. All of JEPI in a Roth 401k all of SCHD in the Pre-Tax side. Generating $27,000 in divi's. DRIP all back in until retirement. Then those dividends should take care of a lot of retirement, plus social security and a small pension. Smooth sailing from here!
These high yield opportunities can be great for retirees looking strictly for income.
Would reverse the SCHD/JEPI ratio to 75% JEPI and 25% SCHD.
Which one? I buy them all. Slowly but surely. I spread across numerous dividend ETFs. Moats of moats. Very hard for any of them to collapse, and if I ever need extra cash I can turn off the DRIP and enjoy a flow of extra passive income. Passive income I can pass onto my kids
Your analogy is off base. JEPI is not a growth investment. It is a income investment that uses options trading to generate income. Compared to fixed income investments that are returning 4 to 6% it returns 8 to 10%. So every month it deposits cash into your portfolio. What is wrong with that?. It also improves your portfolio when the market is volatile. When the markets are rising, you need to be diversified into growth investments to improve your portfolios performance.
Retired tractor trailer driver. 15% silver, 20% gold, 8% QYLD, 32% Jepi, 12% bitcoin, 18% cash. I'll be moving 80% of my cash into SCHD. However, I'm going to hold off on SCHD till the news about Charles Schwab going bankrupt comes true or is proven false.
Yup! Me too, and I do!
Yup! Me too, and I do!
Schwab ain't going nowhere
Nah that's false schd is here to stay
I've seen there's a 1 in 3 chance but probably not going bankrupt.
Why worry about not keeping up with a market upturn when you're making a 12-14% return? I like not having to worry about a market downturn while still making a great dividend. At retirement, you can live off of the dividend without having to touch the principal investment.
@TheMarketSniper1. Maybe because it's always better to have 1.5% of 500$ then 10% of 30$
JEPI is primarily for those near or in retirement imo. I took early retirement from the federal reserve bank at 51 and I am predominantly a passive growth dividend Investor but i add in some yield by owning JEPI and DIVO. Of the ones you mentioned here, SCHD is the only one I own.
Thank you for the input and for watching
Try TSLY and OARK. TSLY pay 61 percent div and OARK pays a 51 percent div. I am retired too from gov and all i care about is dividends. SCHD has such a low div and quarterly div.
I’m holding 80% or so of JEPI. 15 percent Jepq and the rest is realty income, gain and divo
Wow that’s a crazy portfolio!
@@ben3989 is it risky or crazy? Hahha. I went all in.
ف😅ث😅ظتتع غعا٦ ط
تت ررثع
Hamilton Reiner the fund manager says 60% JEPI 40% JEPQ gives you similar holdings to the S and P 500. I like your holdings. I’m 50 VOO, 25 JEPI, 25 JEPQ
DGRO is underrated. Great video!
Thank you my friend!
All great picks especially SCHD!! 😊
Yes, they are selling call options, but what isn't stated is the strike price and date of expiration of those call options. They could be long-dated OTM options.
Love SCHD. DGRO and other Blackrock products? Not so much.
I am buying into both JEPI and SCHD. SCHD is the larger of the two. Also throwing a little bit at JEPQ, nothing crazy. I do like the mix of stocks and covered calls, the strategy looks great on paper. If they manage it well it should make good money. However, I prefer a larger position in SCHD. Just my 2 cents worth.
I like the plan in the near term. A lot of volatility expected over the next 6mo, so JEPI could be good but it will lage when things get moving north again. Thanks for watching and commenting.
Totally agree with you. I am retired and my entire portfolio is SCHD and JEPI, in a 60/40 split. I get decent growth and great annual dividend income. Simple portfolio that does wonders for retirees.
What’s your take on JEPQ do you this it will lag in the long runs as well just curious ?
Solid, choices , I like all of them and will consider them, especially SCHD and HDV , not necessarily in that order
JEPI does not write covered calls to cover 100% of the stock so it is not "Capped". It will not do as well as the risky ETFs in up markets but will still make money or at least break even in down markets as opposed to losing 20-30% like most others.
I didnt say that, I mentioned that they also own stocks outright, but yes JEPI's income is limited as compared to the other ETFs.
I think I prefer only SCHD. HDV and DGRO are much too low in yield. They will take a decade to finally reach a yield of 6-7% on the invested capital. I wanna retire next year as I can no longer stand my job, so I need high yield, even though stock price appreciation is weak.
Then check passive income investing channel on you tube
Not bad. if you are looking for monthly payer, maybe DGRW?
Schd for the starting yeild and div growth. DGRO has a starting yeild thats too low for the growth to really compound in a reasonable time. Sometimes i wonder if DGRO stands for "dividends" and "growth" as share appreciation. HDV might not be bad if you need the money sooner than later. One will actually make more money in the long run if the share apprectiation grows slowly but the dividend growth is strong.
I liked one of the early statements you made; "maybe a mix of both is best for you..." I agree, as you stressed, that we all need to carve our paths with study and research, knowing where we are and where we're going. That said, I own and am buying JEPI and SCHD as well as other ETF's. I desire immediate income (JEPI) and I'm looking for future growth/income (SCHD). This is the strategy I've been using to continue building my "income machine". I appreciate your straightforward presentation and the breakdown of how you came to the choices you made. I hope we all put in the kind of diligence you do. Cheers
Def don't skip jepi, it's held up super well to market drops
To market drops, absolutely
Thanks for this, it's been helpful. I like SCHD a lot, but also really like VUG and QQQ.
All solid, depending on what you are looking for.
I use the monthly dividends I get from jepi to reinvest in individual div growth stocks :-)
Love it! Building the snowball bigger and bigger!
good choices for EFTS I have all three
DGRO vs DGRW would be good. SCHD may not be good with the troubles Swhabb is having right now financially.
Honorable mention VNQ .. good coverage of REIT’s 4.2 % yield too
What will happen to SCHD if Charles Schwab goes under?
Buying of ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
The concept of using spreadsheets has always seemed incredibly time-consuming and superfluous to me. Each month, I simply deposit a large sum of money into my savings accounts, retain my spending money in an other account, and make an effort to spend as little money as possible.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
@@Johnlarry12 Please can you leave the info of your investment advisor here? I’m in dire need for one.
I encountered Dawn Maureen Humphrey through a CNBC interview, and I emailed her. She is guiding me. Since then, she has given me chances to buy and sell the stocks in which I'm interested. You can hunt her up online if you require care supervision.
I prefer DIVO & JEPQ, but I’d choose DGRO from this list
Watch the JEPI Q&A with Hamilton, and educate yourself since there has been some misinformation on how you explained JEPI
Hdv is just a poor version of Schd. I’ll pass. Currently have Schd dgro Jepi divo. That’s it keeping it simple.
SCHD is hard to beat
Nice video. Thanks for the excellent presentation and information. Just a comment. HDV's total returns are lukewarm at best. This is why I haven't bought into it. DGRO has good possibilities too. But SCHD is very good overall. If dividend is the goal, JEPI isn't too bad either.
Thanks for watching and for the comment. SCHD is a cream of the crop.
Not if you are retired. JEPI and JEPQ are way better. Even if they only average 8-9% a year you never have to sell your stocks and the income is good. If you need $50,000 a year to live on you would have to buy more than double the cost on schd compared to JEPI or JEPQ.@@MarkRoussinCPA
I prefer dgrw myself
SCHD is my most significant position. SMH for growth (400%) and JEPI for the juicy monthly paycheck.
are these 3 ETFs what you would buy today too? I notice this video is 8 months old....
I'm a hold 45% of schd and do 30% Divo and do 25% in Jepi
Nice! I also prefer DIVO over JEPI - doesn't have as high of a payout/distribution but has more upside potential. I'll add JEPI much later when I'm more closer to retirement.
7-9% of the income is taxed as ordinary income due to options strategy - kinda high to generate a yield
Traditional IRA works for me.
Using them in a Roth as I do works just fine for me and since I'm old enough to use these dividends however I want and don't have decades to wait. I think I'll stick to the derivative income I receive from such Etfs. I do hold several other investments like schd and various stocks. Equities I've been into since the 80s. Thanks for the breakdown.
I prefer covered call fixed income ETFs like TLTW
The point is that i wanna monthly dividend not quarterly
Good content. You may want to blink occasionally though.. Lol 👍
Any thought on IEP ?
Thoughts on vym?
I own VYM, but have been liking HDV a little more of late. I Own both.
combination of schd & jepi
I'm thinking about switching to $JEPQ. It seems slightly better than $JEPI.
Yeah JEPQ has the potential for juicier payout/income because it takes advantage of volatility - helps for richer premium....and the Nasdaq-100 will be more volatile than the S&P 500.
what about SDIV?
I think SDIV invests mostly in Chinese companies. That's why I don't buy much of SDIV and would rather invest in SCHD or DIVO.
Will Schwab be still standing? Lehman Bear Sterns immediately come to mind. Hmm not right now
FEPI is kind of looking like decent play.
Very informative...Thanks!
did u check total returns for all these 3 ETFs, over 10years period?. They are lagging behind #SPY total returns.
The last 10 years were a TECH BOOM, not normal market returns, but luckily I have S&P 500 exposure as well so I partook in those also.
@@MarkRoussinCPA so in bull market those dividend ETFs didnt beat market, why do u think next decade it will beat?.
Isnt it good to invest in broad market ETF instead of dividends?.
@@bill_the_butcher thats recency bias. Dont just compare with 10yrs. 20, 30, 50 yrs comparison would be good. but SCHD didnt exist before that.
How did you know I get all my financial advice from my accountant!!
Find a licensed IA. Not a CPA, or CFP, or even a CFA. They are all posers when it comes to investments. Especially the first 2.
@@OldLion64 I was being facetious
is jepq the same?
Great content as usual
Thank you!
Thanks always for the great info! 👍
Thank you, appreciate that!
JEPI is the best ETF if you aren't looking for high growth, you just want high monthly retirement income..
It's the best ETF for early retirement.
good video, but I'll stick to IEP.
I avoid the JP Morgan or Black Rock name, they have no moral compass and it will catch up with them and their share holders.
SCHD and JEPQ with 10% QQQM
What a great video 🙏🏻
Thank you, appreciate that!
Problem with this videos is that, as an European, I can reach this stocks in the Top 10s but not those ETF’s… :(
I own SCHD & JEPI
Divb etf
UPS? Pass. It's gonna get slaughtered until they figure out the contracts. Sounds like a likely strike.
This video is totally misnamed. As you have said in previous videos (You have forgotten?), JEPI is for income right now. None of your funds are for this, good as they may be. They should be seen as an alternative to SPY, not JEPI.
SCHD
Schd has a terrible dividend yield - come on.
Divi cut to 4% on jepi
Is this guys eyed edited?? He literally doesn’t blink and his eyes don’t move
Talent 😜
SCHD has been doing lousy recently.
Great video! what do you think about this etf: wisdomtree new economy real estate ticker simbol: WTRE
Is this the old DRW ETF?
@@MarkRoussinCPA no this etf is totally new, listed in 2022
SCHD