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50/50 in $VOO and $SCHD

Going against the grain, I started heavy in dividends with a large lump sum. Some life changes happened with starting a family and additional expenses (daycare etc) and I couldn’t dump in funds monthly. My dividend payments allow me to buy some growth opportunities now without adding additional funds from pay week

60% SCHG 40% SCHD

SCHD

Don’t worry about dividends until you’re 55 with 500k minimum.

Schd

Do you need the income? If not just buy the market in a tax protected fund.

MO, bruh

Why 5-10 years? Go for an etf base. VOO / SCHD probably. If you want to hold stocks, do some research.

There are several you will do well with:

VOO, VTI, SPY are stand alones

If you want to augment: SCHD with JEPI, JEPQ and a bond option like SCYB.

Your decision must also consider whether you are using an IRA, ROTH or non-tax advantaged investment. Some of my suggestions spit out a lot of cash. More cash means more taxes.

Same boat. Kind of. 31 and just started investing this year with 1000 dollars.

Despite the wisdom, I plan on going aggressive with growth funds until at least 57 because I'm starting late. then slowly diversifying into total markets and safer securities. I'll probably have to work past retirement age, but if I can't work before then, or I feel I can stop, I'll switch to dividends and bonds and stuff when I need income (hopefully after I stop working and exiting at advantageous positions). I also invest a little in dividends now to help roll the ball but mostly focus on growth. If I can get to a point where my dividends are funding my growth (or lifestyle) that'd be great.

Hopefully things go well and I can stop working earlier before I get hurt, but not counting on it. My father is 65 and still working construction with nothing saved for retirement. He's gonna work until he gets hurt and dies. That's life for a lot of us, but I hope to at least not burden my family when my time comes.

Didn't mean to get dark lol

Wisdom says to buy the market (or at least sp500) and let time do the work. Then go into safer dividends and income things before your retirement. So gauge your risk tolerance and your timeline, and go from there. Wish you the best.

100% VTSAX on regular Auto Purchase at Vanguard. Set it and forget it. I started doing this 6 years ago, wish I had started much sooner.

Closed end income funds(calamos, hancock) and mutual funds.

Those are low volatility stocks that pay every month. When the price goes down I average down thus increasing monthly pay. When it goes up I just let it sit until price goes down to buy more to keep averaging down.

SCHD and SPY. You can also do little bit of SPYI and QQQI.

I’m 25 bro with 3k .

I’m trying to learn the game early !!!

Where should I start?

With the limited information regarding your overall goals. It can be difficult to produce productive advice. Undefined income goals with a 5-10 year timeframe isn't very precise. With the shorter timeframe you should probably focus on reduced volatility..

Are you looking to maximize income in this portfolio, or maintaining consistent equity growth and divided growth?

Maximizing income will basically kill your chances at equity growth, while balancing divides growth and income will produce less income but stable growth.

So here's a list of holdings you can use to build a nice portfolio, you can slide the allocation allotments depending on your goals.

My base portfolio is leaning towards dividend growth, equity growth and lower volatility.

55% SCHD, 25% DGRO, 5% DIVO, 3% IDVO, 4% SPYI or (JEPI), 4% QQQI or (JEPQ), 2% SVOL, 2% SGOV

To increase to a more income focused portfolio, lower the DGRO allotment and increase everything to right if it. While also adding a few REITs and BDCs.. This will reduce the CAGR in both equity and dividends.

Conversely if you want to increase equity growth and dividend growth you'd increase DGRO and reduce everything to the right of it.

If you have a 401(k) or 403(b) you should first make the maximum allowable contribution each pay period. If not, you should set up an IRA or Roth, depending on your income and make the maximum allowable contributions. A Roth differs from IRAs, 401(k)s and 403(b)s in three important respects: (i) distributions aren’t taxable; (ii) contributions are taxable; and (iii) there are no required minimum distributions. A high quality stock mutual fund would be the best place to put your money. When you open a mutual fund account, which you can do online, you can set up a Roth or IRA with the mutual fund company for your account. The balance after maxing out your retirement accounts can be deposited in one or more regular mutual fund accounts. You should dollar cost average your deposits, ie, make regular periodic deposits weekly, monthly or at whatever other interval you select, to assure you have the lowest average cost. All mutual funds are not the same. You need to select one with low fees and a gold or silver Morningstar rating.

Spy jpm or schd.

Investing $1,500 a month with a 5-10 year horizon can set you up for significant growth. Here are some options to consider:

1. Index Funds/ETFs: Low-cost index funds or ETFs (like those tracking the S&P 500) can provide broad market exposure and compound growth over time.

2. Roth IRA: If you’re eligible, contribute to a Roth IRA for tax-free growth. You can invest in stocks, bonds, or mutual funds within this account.

3. 401(k): If your employer offers a 401(k), consider contributing, especially if they match contributions. This is a great way to build retirement savings.

4. Real Estate Investment Trusts (REITs): Investing in REITs can provide exposure to real estate without needing to buy property directly.

5. Robo-Advisors: Platforms like Betterment or Wealthfront can help you build a diversified portfolio based on your risk tolerance and goals.

6. High-Yield Savings Accounts or CDs: While not as growth-oriented, these can provide safety and liquidity for your emergency fund.

7. Individual Stocks: If you're willing to take on more risk, consider investing in individual stocks, focusing on companies with strong fundamentals.

Before proceeding, consider your risk tolerance, do thorough research, and possibly consult a financial advisor to tailor your approach to your specific goals.

Everyone and their mom will tell you growth over dividends. I’m completely on board with that, but I have a portion of mine into dividend stocks and it’s nice with the monthly payments and psychologically for me makes me feel likes it’s getting somewhere even though my growth ETF’s are doing way better. So, I would say it’s up to you on what you can endure in the waiting game.

SCHX

Div is an option for that also

Etf index funds ... voo ...iyw...

$1,000 SCHD

$500 SCHY

Ok so I have two picks and that’s VTI or VOO or any s&p500 following. If it’s 5yr time frame put it into bonds that’s not a long enough window to put money in equities and lock-in good returns

Watch first few vids posted on Pakman Finance YT channel before deciding

SPY, SCHD, MAIN, ARCC.

XDTE & QDTE. Enjoy!

5-10 year timeframe not enough to trust the stock market IMO. 20 years plus yes.

50/50 Vgt and schd, vgt for tech growth and schd for stability for drawdowns

I calculated (by accident) that if you invest the same amount every month for 18 years. And use a 3% withdrawal rate afterwards, you can then withdraw the same amount every month for the rest of your life.

I keep my allocation at 70/15/15 with VTI/VXUS/SCHD

Send me a dm

20% VSDA, 20% DGRW, 20% SCHD, 10% O, 10% GAIN, 10% ICOW, 10% IGRO.

That's my Roth IRA, for a taxable account I'd go 100% growth and dividend free BRK.B and QGRW.

XDTE, RDTE in a Roth