长期投资SCHD代替VOO的问题


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 :cry:

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 :cry:

你觉得老巴在泥潭国怎么借钱的?还不是猪老师从中斡旋 :troll:

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:

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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