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Anonymous

18 May 2022

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General Investing

DCA investment SCHD/SCHG for long term growth ?

Hi. Just want to know what do you guys think about DCA into SCHD/SCHG despite the 30% withholding tax. Personally, I do not have much capital to start with so was hoping to lean more towards growth and SCHD seems to have performed very well and even with the 30% tax, it will still net about 2% in Dividend yield. Or would i be better off with IWDA/IWDD as a growth ETF? Am 23 and new to this FIRE journey, any advice,recommendations or feedback would be appreciated!

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1M45

Edited 18 May 2022

i would go with IWDA. As it is basically owning the world. The world economy will definately progress overtime. While SCHD only on US.
you need to know if you gonna FIRE by dividend (2% very difficult) or by selling stock to fund your expenses (need to really plan properly as market and economy is very dynamic).
FIRE is all about cashflow.
FIRE not simple, need alot of sacrifice. You need to earn way more income than your age should be, live very very frugal and basically pour in lot of money into your investment every month.
Being single maybe, but with a family more difficult.
Else you have to take on more risk, that potential lose money, to gain higher returns, which is not worth.

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