102742322 : Completely worth a hybrid of growth and income.

Ping80 : Reduced taxes by 30%, with a 5% dividend yield. This is a growth-oriented Fund.

追跌杀涨 OP Ping80 : use 10k as example, after deduct expansion ratio 0.35.is left 7% as example. from the 7% deduct 30% tax , the answer will be 5.90% (income focused)only. the price growth is around 4%. overall , annually the profit will be 9.9.%. the growth will change due to volatility. if the Market is going down. the income will play a defence role to cover a bit.

TerribleInvestor : Do take note of 30% tax on dividends for non us and non treaty countries like where we’re from ( SG MY). Perhaps, one can consider accumulating on VOO/SPLG before moving to an Irish-domiciled stock such as CSPX to save on taxes.

Joe74 TerribleInvestor : For S&P 500, i buy VUAA an Irish Dormiciled etf via IBKR. Other than that I buy SCHD for dividends and VTI for  long term. But now I thinking of adding/switching one of them to BND as I am growing older towards retirement. No sure yet.

Joe74 Joe74 : I am from MY

104659879 : how to buy SPLG RSP

Safaryan Enterprises : Check out $Schwab Strategic Tr Us Large-Cap Etf (SCHX.US)$

Jun22 : Jepi and schd or jepq and schd
Which one btr combination