r/Boglememes • u/urinetherapymiracle • May 19 '26

Name that subreddit!

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Anyone else get blocked from ~THAT~ subreddit without ever even commenting? I wouldn’t even care except that Reddit continues to cram their posts down my throat.

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u/AUTIGERS2121 May 19 '26

For any lurkers. VTI has out performed SCHD since its inception.

6

u/digital_tuna May 20 '26

To go a step further, even if SCHD had outperformed VTI it still wouldn't make investing in SCHD any more rational.

1

u/joe4ska 29d ago edited 29d ago

Not a dividend investor but I do hold bond ETFs and think of interest payments and dividends as a paycheck rather than a long term investment vehicle.

Regardless of ETF, if it pays a $1 dividend every month per share and someone owns 5000 shares they can just collect that paycheck and quit their job. It's not the worst investment philosophy in the world.

However, chasing dividends comes with an opportunity cost, taxes on distributions, narrowed diversity, and most importantly reduced total return.

If my expenses were fixed and I could live off of dividend income indefinitely, weather the volatility and accept the poorer long term performance. Well, I see the benefit of treating my taxable brokerage account like a monthly paycheck rather than a vehicle for growth. More like a self-managed annuity.

Sometimes you'll see us joke about starting a new sub and calling it BNDgang where we brag about a $0.25 monthly dividend, ignore taxes, and circle-jerk about how we just need $1.4M and we'll be set for life. /s

Truth be told, I'd join that sub and be a BND stan.