Charles Schwab Schwab US Large-Cap Growth ETF Forum

$QQQ
$VGT (+0.14%)
$XLK (+0.25%)
$SCHG

What you guys think of this combination? 25% 25% 25% 25%? Long term horizont for maximal capital growth.

What is maybe your opinion, mix of etf to invest for best results in form of growth.

Hello everyone, I've been investing for about 2 months my goal with this portfolio (taxable account) is to focus on 4-6 companies that I believe they have:

• Strong Finances
• Good Margins
• Organic Growth
• Good ROCE

Focusing in 4-6 companies would allow me to build a good position and once my portfolio gets to 8-10k I will add couple more stocks. I am also considering adding a ETF for a core position in this portfolio, I also have a ROTH IRA that it mainly consist of $SCHD & $SCHG .

For my 4 stock at the moment I have picked the following

1.- VISA INC -> $V (+0.57%)

This is amazing company, incredibly strong balance sheet with high return. I know $MA (-0.48%) could be a problem later on but I honestly don't see $V (+0.57%) going away anytime soon.

2.- SalesForce -> $CRM (+1.01%)

The leading crm business in the US, most companies I know use this amazing software.

3.- Boston Scientific -> $BSX (+0.3%)

Boston Scientific is a Medical Device Company in the past years they have growth at a good rate, currently with their new product in the Electrophysiology world dealing with Afib their holy grail product FaraPulse position themselves at the top. I believe with this technology and the introduction of other products they will grow more.

4.- Ulta Beauty -> $ULTA (+1.28%)

Makeup, while looking for a company that is more consumer oriented, I came across $ULTA (+1.28%) when dealing with consumer companies the worry is always that they are cyclical business and if we experience a period where the economy takes a hit people will cut the extra expenses. But let's be honest Girls want to look pretty. Every $TGT (+0.25%) has a $ULTA (+1.28%) inside this increases their exposure and with the expansion of ULTA outside of the US I believe they can experience a good growth.

Going forward I am planning to add $AMZN (+2.65%) if their stock continues to drop. I Don't have a focus on dividends at the moments but I don't mind having a good stock that pays one.

I am looking forward to your feedback, any suggestions thoughts would be greatly appreciated.

Dear fellow investors,

This month I will reach another milestone in my investment journey, breaking 800$ in monthly dividend payments for the very first time. I couldn't be more excited....

Wooohooo 💲💲💲

This is due to receiving payouts for the following assets:

641 x $SCHD

281 x $O (+0.43%)

311 x $JEPI

211 x $JEPQ

179 x $SPLG

89 x $MAIN (+0.82%) (two payouts this month!)

137 x $EFC (+0%)

67 x $EPR (-0.44%)

67 x $SPYI

13 x $QQQI

Looking ahead, it seems like September might be my first 1k$ dividend month 🤪🤪🤪.

Fingers crossed 🤞🤞🤞

For those among you who follow my story, know that I just started (again) in Dec 2023 and already had to upgrade my goals to 150k$ invested and average dividends of >500$/month. Both goals are within reach and very likely to be achieved before 2024 comes to an end.

I am very happy with sticking to the plan (DCA-ing into a selected few ETFs and stocks) in hopes for #fire (Financial Independence Retire Early).🔥🔥🔥

I am planning on making some adjustments to the portfolio over the next couple of weeks and months and hopefully later this summer I will share my whole portfolio with more information about my investment strategy as well as the (as of recent) popular Sankey diagram of monthly money flow here on getquin for scrutiny and further constructive feedback. So stay tunes for that.

The list of updated key take-aways are as follows:

1. Select your ETFs and stick with them

- Core:

$SPLG (alternatives are $SPY (+0.62%) and $VOO (+0.65%) ), chosen because of slightly lower expense ratio and lower prices (hope for more inflow), trading volume is not a concern as this was bought for the looooong "buy and hold"

- Dividend 💸:

$SCHD (alternatives are $VIG (+0.58%) and $VYM (+0.66%) ), chosen because seemed undervalued at the time of purchase, great dividend and decent dividend growth

- Growth 📈:

Still not chosen, open to suggestions

I maintain that it will probably be $QQQM (alternatives are $VGT (+0.14%) , $SCHG , $SPGP , $DGRW , $VUG (+0.49%) )

- REITs 🏠:

Not yet chosen, as here I am not even sure any longer if I actually want to invest in REIT ETFs or not just keep my exposure to the few REITS I already own ($O (+0.43%) , $VICI (+0.3%) , $MAIN (+0.82%) , $EPR (-0.44%) , $EPRT (+0.71%) ...)

If I decide to venture into this field, it will probably be $SCHH (alternatives are $XLRE and $VNQ (+1.13%) )

- Misc 🗠:

$O (+0.43%) The Monthly Dividend Stock

$JEPI / $JEPQ for monthly dividends in the covered call space

$SPYI / $QQQI to potentially replace $JEPI and $JEPQ

$VICI (+0.3%) / $MAIN (+0.82%) for additional monthly dividends in the REIT / finance space

I might also entertain the idea of investing in some individual stocks like $AMZN (+2.65%) . $NVDA (-0.57%) , $MSFT (+0.97%) , but that will depend on the constitution of the growth ETF I will buy.

2. Learn 🎓

Educate yourself and don't simply "trust" Youtubers. Read investment books (e.g. 'The Intelligent Investor' by Ben Graham, 'The Little Book Of Common Sense Investing' by John C. Bogle, 'Patient Capital' by Victoria Ivashina and Josh Lerner) and listen to many different voices in the investment arena. Be curious, but cautious... If it says: "100% win rate guaranteed!", it's probably best to stay away from it.

3. Don't try to time the market ⌚️

As one youtuber says: "Time in the market beats timing the market." I am sure we are all guilty of trying to buy at the best price on a particular day/week... If you are in for the long haul, it doesn't matter. DCA (Dollar Cost Averaging) for the win. 🏆

4. ETF over stock picking

Of course you can have huge winners if you pick individual stocks and if you have some insights that allow you to buy before the hype, great, I am very happy for you. Who wouldn't want to have invested in $KO (+0.3%) , $TSLA (+1.2%) , $AMZN (+2.65%) , $GOOG (-0.99%) or $NVDA (-0.57%) in their early days?! But that doesn't happen very often. If you invest in solid ETFs covering a wide array of markets, you will do just fine (especially with a long investment horizon). I have certainly tried to "pick' some stocks that looked promising for their upward potential, but only two have given me solid returns ($NEP and $CFLT (+5.99%) ), whereas so far there are many losers (e.g. $IONQ , $OTLK , $SACH , $EPR (-0.44%) ).

That being said, I am not against holding individual stocks and I am sure that the likes of $NVDA (-0.57%) , $MSFT (+0.97%) , and $AMZN (+2.65%) will continue to deliver amazing returns, but these are also top of the list in weighted S&P500 or Nasdaq ETFs... ($SPLG , $VOO (+0.65%) or $QQQM , $SPGP etc.). Just saying!😉

5. Tailored investing

We are all different and our your time horizon, risk appetite, age, income and other factors most likely vary massively. My life, 47yo, being single without kids, being in a somewhat safe and well-paid job, having paid off properties that generate a decent income stream, wanting to retire in 3-5 years and not needing much is very different to someone who just starts their investment career and/or have a family or are already retired or or or.

Make a plan of what you want the investment to do for you and work towards it. In my case, I want to achieve #fire (Financial Independence Retire Early) as soon as possible, being able to live off dividends entirely. I recon I will need about 50k/ year (lots of safety built in). So building a strong dividend portfolio is my main goal. Sprinkle in some growth opportunities and we have a party. 🥳

Let me know what your goals are and how you plan to achieve those. Also if you have some input on which other ETFs and/or stocks to pick, I am all ears 👂👂.

I reached 100k$ invested on 2024-03-15 which was one of the milestones for 2024 (the new one is now 150k$).

Also March was very good to me with dividend payouts exceeding 600$ for the month, which made me revise my initial goal of 400$/month (avg.) by the end of 2024 up to >500$/month. 💲💲💲

Since this account is very new (Dec. 2023), I am very happy with sticking to the plan (so far) in hopes for #fire (Financial Independence Retire Early).🔥🔥🔥

Key take-aways so far are as follows:

1. Select your ETFs and stick with them

- Core:

$SPLG (alternatives are $SPY (+0.62%) and $VOO (+0.65%) ), chosen because of slightly lower expense ratio and lower prices (hope for more inflow), trading volume is not a concern as this was bought for looooong

- Dividend 💸:

$SCHD (alternatives are $VIG (+0.58%) and $VYM (+0.66%) ), chosen because seemed undervalued at the time of purchase, great dividend

- Growth 📈:

Not yet chosen, open to suggestions

Will probably be $QQQM (alternatives are $VGT (+0.14%) , $SCHG , $SPGP , $DGRW , $VUG (+0.49%) )

- REITs 🏠:

Not yet chosen, open to suggestions

Will probably be $SCHH (alternatives are $XLRE and $VNQ (+1.13%) )

- Misc 🗠:

$O (+0.43%) The Monthly Dividend Stock

$JEPI / $JEPQ for monthly dividends in the covered call space

$VICI (+0.3%) / $MAIN (+0.82%) for additional monthly dividends in the REIT space

2. Learn 🎓

Educate yourself and don't simply "trust" Youtubers. Read investment books, listen to many different voices in the investment arena. Be curious, but cautious... If it says: "100% win rate guaranteed!", it's probably best to stay away from it.

3. Don't try to time the market

As one youtuber says: "Time in the market beats timing the market." I am sure we are all guilty of trying to buy at the best price on a particular day/week... If you are in for the long haul, it doesn't matter.

4. ETF over stock picking

Of course you can have huge winners if you pick individual stocks and if you have some insights that allow you to buy before the hype, great, I am very happy for you. But that doesn't happen very often. If you invest in solid ETFs covering a wide array of markets, you will do just fine.

5. Tailored investing

We are all different and our your time horizon, risk appetite, age, income and other factors most likely vary massively. My life, 47yo, being single without kids, being in a somewhat safe and well-paid job, having paid off properties that generate a decent income stream, wanting to retire in 3-5 years and not needing much is very different to someone who just starts their investment career and/or have a family or are already retired or or or.

Make a plan of what you want the investment to do for you and work towards it. In my case, I want to achieve #fire (Financial Independence Retire Early) as soon as possible, being able to live off dividends entirely. I recon I will need about 50k/ year (lots of safety built in). So building a strong dividend portfolio is my main goal. Sprinkle in some growth opportunities and we have a party. 🥳

Let me know what your goals are and how you plan to achieve those. Also if you have some input on which other ETFs and/or stocks to pick, I am all ears.