Scenario: if i had 100k cash today, what will i do about it? My view: invest in long term dividend growth ETF ~ SCHD 📘 Overview of SCHD Fund Objective: Tracks the performance of high dividend-yielding U.S. stocks with a record of consistent dividend payments. Dividend Yield: ~3.5%–4.0% (as of recent data) Expense Ratio: 0.06% (very low) Dividend Frequency: Quarterly Top Holdings: Often includes quality companies like PepsiCo, Verizon, Home Depot, etc. 📈 Example Projection (Assumptions) Let’s assume: Initial investment: $100,000 Dividend Yield: 3.6% annually Capital appreciation: 6% annually (conservative estimate) Dividends reinvested quarterly Investment period: 20 years Using these assumptions: Year Value (Approx) 5 $140,700 10 $198,000 15 $278,600 20 $392,000
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