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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: chowder who wrote (15607)	4/9/2025 5:31:57 AM
From: SeeksQuality	3 Recommendations Recommended By jritz0 Markbn suncoaster Read Replies (1) \| Respond to of 21847

Towards the end of last year I was cautioning that it was the wrong time to be emphasizing growth, and you responded that the YFP has a decades-long time frame and that you believe growth will outperform over the long run. At this point it is probably the wrong time to be emphasizing value. I can't be quite as certain there, because I can't predict the impact of the political stuff on earnings, but growth is looking really attractive here even over just a five year time frame, and I'm slowly moving that direction again.

To: chowder who wrote (15607)	4/9/2025 8:55:57 AM
From: jritz0	2 Recommendations Recommended By chowder Markbn Respond to of 21847

RE: YFP Your son's portfolio should be overweight growth. I would suggest adding a small cap fund. I know tariffs will hurt small caps but when all is settled, small usually lead the way out of recessions. I'm a fan of the Capital Group ETFs and own CGDV and like CGCV. Nothing wrong with SCHD, I have a large position but it may be worthwhile to check out the CG funds. It also might make sense to buy VFLO, a cash flow fund that improves upon COWZ

To: chowder who wrote (15607)	4/9/2025 9:08:19 AM
From: KeithX	1 Recommendation Recommended By chowder Read Replies (1) \| Respond to of 21847

I was looking to add diversity in my youngest daughter’s IRA (which is invested in VOO and SGOV) and looked at SCHD versus VOO in Y charts. VOO outperformed SCHD in all cases except for year-to-date, so I did not add it. She is only 31, so dividends aren’t a goal at this time (but SGOV has paid over 4% since we added it in February of last year and it has virtually no downside risk as long as Treasuries keep paying dividends and interest). fwiw

To: chowder who wrote (15607)	4/9/2025 9:20:00 AM
From: jbadam28	1 Recommendation Recommended By chowder Respond to of 21847

I consider myself a young folk, and have been putting more into SCHD for the 4% dividend. Dividend income going up faster than my bills provides nice security while the markets are volatile. Not selling my VTI, but new money has been going into SCHD. Lot's of ways to skin a cat ETFs, but these are my two and I am comfortable with the balance.

To: chowder who wrote (15607)	4/9/2025 2:16:30 PM
From: eaglebear	1 Recommendation Recommended By chowder Respond to of 21847

his portfolio has a large position in SPY, more than 25% of the portfolio value. I'm looking at 26.5% of the portfolio value with a market value of $104,794. Chowder I made a play portfolio when we started our Club Portfolio of ETF's. That was 12/2019. Over that period till now VIG has produced more TR but SCHD has had faster dividend growth. VIG might be a better alternative for growth and fewer dividends if held in a taxable account if that is a concern. Did you consider VIG? Just a suggestion. Seems both would be good. I own SCHD but not VIG myself personally.

To: chowder who wrote (15607)	4/12/2025 3:09:24 PM
From: SeeksQuality	1 Recommendation Recommended By chowder Respond to of 21847

Re: I'm thinking of trimming $15,000 in SPY later today and opening a position in SCHD with all of the proceeds from the sale. I've been thinking further on this... There hasn't been THAT much divergence between SPY and SCHD, and the action last week closed much of that gap. Assuming that the Mag7 open strong on Monday, then SPY will gap up relative to SCHD - and we could easily be back into the range where this swap makes sense for some portfolios. I was never really opposed to the concept, even for somebody with a long term growth horizon. Was merely the timing that seemed off. Check the charts on Monday morning and I bet you'll agree. :)