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What to invest if you had 100K cash ?

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:

YearValue (Approx)
5$140,700
10$198,000
15$278,600
20$392,000

 


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