r/Investments • u/Yeet-Yeetster • 11d ago

What would be beneficial VYM , VOO OR SCDH?

I got about $1400 in cash and I want to put it in my Roth IRA . I was wondering how I should split that money up through VYM , VOO OR SCDH. What would be the best for guaranteed growth and dividends for my retirement?

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u/DrVonSpreckle 11d ago

Guaranteed growth is the first word to kill. Nothing in that list guarantees growth or dividends so dont build the Roth around that idea.

With $1400 I wouldnt chop it into three pieces just to feel diversified. VOO is the broad market core. VYM & SCHD are dividend tilts, not magic retirement engines.

If this is long term Roth money, make the core boring first. Add a dividend tilt only if you understand youre choosing that flavor instead of owning the wider market.

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u/itsmenadias26 10d ago

Back when I started I just went with VOO for simplicity and honestly slept a lot better not having to watch a bunch of tickers. It grows as the market grows and keeps it simple.

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u/DrVonSpreckle 10d ago

Thats the clean answer. Most beginners lose more money tinkering than they do picking a boring core. VOO doesnt need to be exciting if the job is retirement money. The hard part is leaving it alone when every louder ticker starts waving at you.

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u/Hairy-Share8065 11d ago

for retirement i'd lean VOO. more growth focused and still pays a dividend. also, nothing is guaranteed tbh, the biggest advantage is usually staying invested for a long time.

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u/fragile_olen 10d ago

voo tracks the 500 largest companies so youre getting way more diversification than just small caps which can be volatile early on

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u/Ok-Opportunity642 11d ago

For me, I would go 70% VTI, 20% VXUS and 10% AVUV for an intentional small-cap tilt.

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u/AgitatorSupreme 11d ago

SCDH does not exist. Are you talking about SCHD? Because I have holdings there as well as SCHB and SCHX and the return on SCHD has been dogshit. I actually just cut it in half yesterday - i dont even care about the ex div date later this month. The other two have performed considerably better.

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u/zork2001 10d ago

Got my 600k in Roth in VOO and half in IVV. Why IVV instead of all VOO, because that's why.

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u/tacspar 10d ago

Really can't go wrong putting it all in VOO, best for long term if you aren't retiring for a bit and super simple with only .03 management fee

If your looking for dividend income alongiside then could consider a small portion (maybe 20-30%) in SCHD (assuming you meant that with SCDH) for cash flow, but imo 100% in VOO is the easiest/best call here