If you want income, buy:
$JEPQ
$QQQI
$JPC
$HYB
If you want Dividend growth, buy:
$SCHD
$SPHD
$SPYD
$PEY
If you want stock growth, buy:
$VOO
$SCHG
$QQQ
$VGT
Don’t overcomplicate it
ETFs should be the BACKBONE of your portfolio:
$VOO S&P 500
$XLF Financials
$SCHD Dividend
$VTI Total Market
$DGRO Dividend Growth
$VYM High Yield Dividend
$VIG Dividend Appreciation
$VCR Consumer Discretionary
If you could only choose one, which ETF would you want to invest $100,000 into for the next decade?
$VOO Vanguard S&P 500
$QQQ Invesco QQQ Trust
$SCHD Schwab US Dividend Equity
Not all dividend ETFs pay you the same way...
Here are 6 popular dividend ETFs compared 👇
$SCHD: Invests in dividend payers screened for balance sheet strength. Quality comes first, yield comes second
$VYM: Invests in large cap US stocks with above average yields. One of the cheapest ways to own broad dividend exposure
$SPYD: Invests in the 80 highest yielding stocks in the S&P 500, equally weighted. The most yield focused fund on this list
$DVY: Invests in companies with long dividend track records. Payout ratios get screened, so the income leans toward sustainable
$HDV: Invests in high yielding companies with durable competitive advantages. A concentrated, defensive take on income
$DGRO: Invests in companies that have raised dividends at least five straight years. Built around income that grows over time
Which one is in your portfolio?
GTCO P/E — 5.55
Firstbank P/E — 17.3
Zenith P/E — 4.3
WEMA P/E — 5.36
UBA P/E — 5.01
Jaiz P/E — 15.67
Ecobank P/E — 1.7
For some you can buy ahead of time, for some it’s better you wait for the result of H1.
IF YOU COULD PICK ONLY THREE THINGS YOU VALUE MOST ABOUT $SCHD, WHAT WOULD THEY BE?
🤩Here are mine:
1️⃣A Rules-Based Counterbalance to Growth
$SCHD provides a valuable counterbalance to my S&P 500 and growth investments, with greater exposure to value, dividends, and mature, profitable companies.
Its rules-based methodology does much of the work for me by relying on cold, hard fundamentals rather than emotional judgment calls.
Through its annual reconstitution and quarterly rebalancing, it continually refreshes and adjusts the portfolio, bringing in new value opportunities, removing companies that no longer meet its standards, and regularly resetting position weights.
This creates a natural buy-low, sell-high tendency while helping $SCHD maintain its identity as a value and dividend-growth fund with an above-average starting yield.
The result is exposure that is meaningfully different from the increasingly mega-cap-growth-heavy S&P 500, with the potential to provide greater stability, lower volatility, and more resilience during difficult markets.
2️⃣Underestimated Long-Term Total-Return Potential
I think $SCHD’s long-term total-return potential is often underestimated because many people view it primarily as an income ETF.
It may not experience the same rocket-like highs as growth-heavy investments during strong growth-led bull markets, but it can still participate meaningfully when markets rise while potentially providing greater resilience during difficult periods.
Over full market cycles, capturing a meaningful portion of the upside while potentially experiencing less downside can compound into very competitive long-term returns.
A backtest of the Dow Jones U.S. Dividend 100 Index, which $SCHD follows, showed that it outperformed the S&P 500 from 1999 through the period studied. Even longer-term market research has found that value stocks, like many of the companies $SCHD targets, have historically outperformed growth stocks over extended periods.
That certainly doesn’t mean value or $SCHD will outperform in the future.
Growth has dominated value for much of the period since the 2008 Global Financial Crisis, particularly as large-cap technology companies have become increasingly influential in the market. But investors shouldn’t assume growth will always crush value simply because that has been the dominant trend for much of the past 15 years.
Market leadership changes over time, and the recent era of growth dominance won’t necessarily continue indefinitely.
3️⃣The Trifecta: Yield, Dividend Growth, and Capital Appreciation
$SCHD offers the rare combination of an attractive starting yield, long-term dividend growth, and capital appreciation.
You receive meaningful income today, have the potential for that income to grow over time, and can still benefit from long-term share-price appreciation.
Many investments do one or two of these things well, but relatively few have historically delivered a strong balance of all three.
🤩Those are my top three. The low expense ratio, diversification, simplicity, transparency, and growing income stream are pretty great too.
👉What would make your top three?
I asked my @ralliesai Income ETF Agent to break down $SCHD, and it gave me this great visual of the top 10 holdings:
🥇 Merck $MRK 4.52%
🥈 Home Depot $HD 4.49%
🥉 UnitedHealth Group $UNH 4.46%
4. Amgen $AMGN 4.27%
5. Abbott Laboratories $ABT 4.27%
6. Procter & Gamble $PG 4.25%
7. Coca-Cola $KO 4.21%
8. PepsiCo $PEP 3.90%
9. Verizon $VZ 3.79%
10. Texas Instruments $TXN 3.71%
Dangote Refinery now sells fuel to marketers in dollars.
Marketers earn naira, but they now need about $1.84 billion every month to buy products.
Depot petrol has already moved from ₦1,137 to ₦1,250 per litre.
From today, your pump price tracks the exchange rate.
The naira moves, fuel moves.
$50,000 invested in $VOO pays dividends of $780/yr
$50,000 invested in $SCHD pays dividends of $1,871/yr
$50,000 invested in $JEPI pays dividends of $4,641/yr
$50,000 invested in $JEPY pays dividends of $30,333/yr
$50,000 invested in $TSLY pays dividends of $32,715/yr
$100K invested into these income ETFs could generate roughly:
$CHPY → ~$46,000/year 💸
$EGGY → ~$33,600/year 🥚
$SPCI → ~$27,000/year 🚀
$GOOW → ~$25,000/year 📈
$XQQI → ~$20,000/year 🤖
Which one are you watching closest? 👀