长期来看schd的走势和voo几乎差不多，每年的divedend比率高出很多（但我不确定这个价格变化有没有算上分红？）
我能想到的问题就是普通账户买的话每年分红要交税（但这里面大多数都是qualified所以其实实际税率是15%+州税？年收入50w以内的话），可以考虑用国内亲戚账户买，这样只要交10%
或者说ira之类的账户主要买schd呢？（假如本来是all in voo）
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感觉VOO好。分红并不tax efficient，巴菲特不推荐。会错过BRK 苹果这样优秀的公司。
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看历史数据两者total return差不多。大多数时候voo略好于schd，现在是为数不多的schd跑赢voo的时间。一个可能的原因是dividend对经济周期有一定的滞后性，spy对经济环境的变化更敏感。
在total return差不多的前提下，tax drag就很要命了，即使低如10%也会对长期return有不小的影响。在ira里面也许可以考虑，但是taxable里面考虑到voo是可以买借死的，个人长期会选voo。
嗯嗯有道理 所以我是准备tax deferred的账户买一些
还有一点就是真的fire了是不是可以考虑重仓schd这些保证平时的现金流+长期成长性？
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退休以后需要现金流的话可以schd或者jepi这种。voo毕竟还有买借死这条路，基本上不交税还是很香的。退休前如果是tax deferred可以用来持有一些和voo也算diversify+互补。
退休后增值不再是首要目标，还是看estate planning的需求了。
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brk可能没几年好日子了，Buffet要交权于第二代领导核心了
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BRKB还不如VOO
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想要现金流的话卖voo就好了。要多少现金就卖多少，比schd拿dividend更灵活。或者买借死大法。
总收益相同的情况下，dividend没有任何好处。
话说，schd最近一年的表现一塌糊涂。
国内亲戚买voo，capital gain一分钱税都没有
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确实有人建议对分红股使用分红自动再投资的策略，如果够耐心的话可以实现利滚利。虽然标普500最近几年在科技股带动下涨势很好，但标普500在美国历史上的滞胀时期（当时也和现在类似，有学生运动，战争泥潭，中东局势不稳，以及物价高企等问题）也有几乎十年的震荡时期。
熊市不见得
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山羊最近有一个新发现，就是说，你们泥潭，每天说来说去的买借死真是太坏了，山羊以前也是麦秸死，但是后来山羊醒悟了，麦秸死真是不行，都不敢消费，不敢生活，你在你的国，过着一种次要的生活，太惨了，次要的生活要不得啊，山羊已经明白了，不能买届四，小乔初嫁了，山羊露出了久违的笑容。
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又来胡说八道了 不管了 先把羊毛踢了
今天coco是不是又赚大钱，记得分我
啊？我们山羊教不是早就发现了吗
老羊怎么又重新发现了一遍啊，是不是最近草吃太多了记忆像羊奶一样被挤出来了 
猪老师高瞻远瞩，山羊太羡慕了
猪老师在泥潭国开户没
老羊要干什么？抢劫吗？
完蛋了，肯定是最近无保护措施撸羊过多，怎么也感染了羊化病毒
你觉得老巴在泥潭国怎么借钱的？还不是猪老师从中斡旋 
Analysis
Dividend Yield
- SCHD: Offers a higher dividend yield of approximately 3.37%,
- VOO: The dividend yield is lower at around 1.6%,
Growth Rate
- Lifetime Returns:
- SCHD: Since its inception in 2011, SCHD has delivered an annualized return of about 13.03% (Schwab Asset Management).
- VOO: Over the same period, VOO has delivered an annualized return of approximately 12.86% (Schwab Asset Management).
- 5-Year Annualized Returns:
- SCHD: The 5-year annualized return is around 13.99% (Schwab Asset Management).
- VOO: The 5-year annualized return is approximately 13.54% (Schwab Asset Management).
Cash Flow
- SCHD: Provides higher cash flow through dividends,
- VOO: Offers lower dividend yield but higher potential for capital appreciation
Expense Ratio
- SCHD: With an expense ratio of 0.06%, SCHD is cost-effective for dividend-focused investing (Schwab Asset Management).
- VOO: The ultra-low expense ratio of 0.03% makes VOO one of the most cost-efficient ETFs (YCharts).
Diversification
- SCHD: Holds around 100 stocks, focused on dividend-paying companies, leading to less diversification but with a stable income profile.
- VOO: Covers about 500 of the largest U.S. companies, offering extensive diversification across various sectors.
Risk
- SCHD: Generally lower risk due to the focus on financially stable, dividend-paying companies.
- VOO: More exposure to volatile sectors like technology, but overall risk is mitigated by broad diversification.
Historical Performance
- SCHD: Since its inception, SCHD has shown strong performance with a focus on dividend yield and steady growth, suitable for conservative investors (Schwab Asset Management).
- VOO: Historically strong performance driven by high-growth sectors like technology, ideal for investors seeking capital appreciation (Schwab Asset Management).
Summary
- SCHD: Ideal for investors prioritizing regular income through higher dividends and investing in financially stable companies.
- VOO: Suitable for investors seeking capital appreciation and broad market exposure with very low expenses.
For a balanced retirement portfolio, consider investing in both ETFs to benefit from SCHD’s steady income and VOO’s growth potential, aligning with different stages of retirement needs. This approach can provide a mix of income stability and capital growth (Schwab Asset Management) (DripCalc).
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请问什么叫买借死啊 搜了搜也看不懂
可以参考一下物理粉老师这篇文章
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