schd completely conquered the commission. Check this out rather than the commission. schd, the U.S. dividend Dow Jones, everyone has heard a lot about dividends and growth. The ETF Pro that is well known is schd. It attracts popularity as it increases dividends every year and, on top of that, the stock price also rises, making it popular for retirement preparation. Looking at the recent one-year ranking of net purchases by individual investors among domestic ETFs, the U.S. dividend Dow Jones ETF 451 shows how popular it is. However, contrary to the expectations of individual investors, it achieved a meager performance compared to the S&P 500, which gained 26% with a 5% return in 2023. When looking at the performance, there are not many years where sdga outperformed the S&P 500. From the year schd was listed in 2012 until 2023, for a total of 12 years, there were only four years where schd outperformed the S&P 500 ETF in spy. Even the cumulative performance shows that schd has lower returns than spy. Just for your reference, what you see here.

The graph assumes reinvestment of dividends, meaning that it cannot beat the S&P 500 return even when considering the high dividend yield of SCHD. So, why do investors utilize SCHD for long-term investment? Many investors are accumulating funds in U.S. dividend Dow Jones ETFs in pension accounts in a systematic way. The non-dividend trio are all monthly dividend products, so many people invest with the purpose of receiving dividends in retirement. When it comes time to withdraw the pension, assets need to be sold to secure cash. Monthly dividend products pay cash every month, so there is no need to consider selling based on market conditions, making it much easier. What is important for dividend-oriented investors? There are two key indicators to consider when investing in dividends: dividend yield and dividend growth rate. Many investors consider dividend.

Considering the yield, I am investing in dividend stocks. The dividend yield is an indicator of how much dividend you can receive compared to the stock price. It is calculated by dividing the dividend per share by the stock price. Therefore, there is a trap where even if the stock price falls, the dividend yield can increase. That's why it's not always good to say that high dividend yield is better. If the goal is long-term investment, it is much more important to see if the dividend per share has been consistently growing over time and if it can continue to grow in the future. For example, if you bought it on January 20, 2014, you could receive a dividend yield of 7.53% currently, whereas the SNP 500 is at 3.9%. The reason is that the dividend growth rate of the former was 11.39% over the past 10 years. To maintain a high level of dividend payout, companies need to have outstanding competitiveness in the industry. Representative examples include Coca-Cola and PNG. Such companies are extremely stable.

Because the business is growing, even if there is no sharp increase in stock prices, showing a steady upward trend indicates stable price volatility. I have experienced the pain of not being able to endure the sharp volatility and selling while investing. If you find this volatility difficult to handle, then investing in schd is a great option. So, when deciding to invest in schd, what should we check and choose an ETF? Many YouTubers compare three domestic schd products, but there is a lot of misinformation. I will correct it right away. Firstly, the fees for all three schd products are extremely low at a total of 0.01%. However, there may be differences in other costs, leading to differences in total fees. Therefore, I believe that comparing and investing based on this is not very meaningful. First, schd.

Assuming an investment of 10 million won, the difference in costs would be only about 5,000 won per year. Of course, 5,000 won is also a significant amount of money, and one might think that this difference would accumulate over the long term. Then, will this continue as it is? The definition of other costs includes securities deposit fees, accounting audit fees, index usage fees, etc. However, in the case of recently listed products like Tiger, the other cost items such as accounting audit fees are not included, leading to a relatively low measurement of other costs. Therefore, if you compare the other costs of stock-type ETFs, you can see that the other costs of products listed in 2023 are lower. In fact, the other costs of Tiger, listed in June of this year, are steadily increasing, while Ace's other costs are almost similar. As the other costs of Tiger, which has been listed for 6 months, have doubled, it is possible to rationally infer that it will increase to around 0.08% annually. In conclusion,

It is speculated that the guitar costs of Ace and Tiger will be at a similar level. Without confirming this, comparing the total medal compensation is considered meaningless. However, it is noted that in the case of Sol, the guitar costs are slightly higher. Usually, YouTubers compare the returns on ETF checks. I also compared the returns on ETF checks. Then, Sol showed the highest return. However, there is a trap here. Sol's annual distribution rate is lower than Ace's. Therefore, to compare these distribution rates, you need to check through Naver. When you check on Naver, you can see that Ace has the highest one-year return. In conclusion, comparing fees and returns each time with inaccurate data is meaningless. It is also not reasonable for me to pay close attention to a difference of 5,000 won from 10 million won as if it were the first time I saw it.

Listening or participating in events hosted by brokerage firms to receive additional benefits is also a way. Especially, it is never a good idea to like, sell, and switch every month. It is often free, but you may end up losing not only brokerage fees but also management fees. In conclusion, instead of comparing which of the three ETFs is better, it is more important to consistently invest in any global ETF for a long time. You did a good job studying SCHD today. Thank you for listening so far. Goodbye. If you found it helpful, please subscribe, like, and turn on notifications.

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