SCHD For EU & UK Investors (Favourite Dividend ETF)
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Disclaimer: I am not a financial advisor. This video, and the ideas presented in it, are for entertainment/educational purposes only and should not be construed as financial or legal advice. You, and only you, are responsible for your investment decisions. This video, post & article should not be construed as investment advice. Capital at risk.
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⏰ TIMESTAMPS ⏰
00:00 SCHD For EU & UK Investors Intro
01:41 What SCHD Is Tracking
03:11 SCHD UCITS ETF Alternatives for Europeans
05:47 Composition of SCHD Holdings
10:34 What Is The Best Option To Invest In SCHD For EU & UK Investors
#schd #dividends #dividendgrowth
@SmartMoneywithKai Жыл бұрын
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@lez075 11 ай бұрын
The problem with investing directly in companies is that there are tax implications, you have to buy and sell to mimic the ETF and then pay capital gains over that, so if the ETF does offer around 10% returns it rotates half of its holdings every year and capital gains in your country are taxed at 30%, buying the same companies at the same time the ETF does will make you have returns of around 8.5% and that's not even counting the comissions for buying and selling, so probably you'd end up with 7% returns mimicking a 10% return ETF, which sucks a lot, but that's how the EU "protects" us, by not letting us save and compound and by making brokers richer.
@SmartMoneywithKai 11 ай бұрын
Thanks for your elaborate comment and you are absolutely right, it's definitely not the same and much lower returns, a real shame that we can't buy US ETFs as Europeans. Would love to buy some SCHD and VOO💯
@whitevanman8703 8 ай бұрын
5:43 I always go to the ETF website and check all their holdings, I like to be sure that at least 85% of an ETFs holding I might want to hold myself.
@colinglovebox9921 Жыл бұрын
Hi Kai, which link in the description is the one you refer to at 3:54 ? I did look but can’t see it. Many thanks for your videos.
@SmartMoneywithKai Жыл бұрын
Hi there, my bad, forgot to put it:) Here it is www.europeandgi.com/dividend-etf/15-dividend-ucits-etf-s-for-european-investors-in-2023/ Cheers
@loukospapazitas6728 6 ай бұрын
What about JEPG JPMorgans new ETF? Can you make a video about that? Fairly new but I think it will be good alt for JEPI/SCHD along with DGRW.
@SmartMoneywithKai 6 ай бұрын
Thanks a lot, will definitely have a look and check it out and see if I can make a video about it. Cheers
@tiagodavid86 5 ай бұрын
Also interested
@damjanstoimenov 3 ай бұрын
Do you have the european codes(the ones i can buy in €) for: QQQM, SCHG, VYM, VUG, VTI?
@SmartMoneywithKai 3 ай бұрын
Hi, they may not be 100% the same, but could be a good starting point. Here are the UCITS ticker codes for the ETFs you’re interested in, all of which you can purchase in euros: QQQM: The UCITS equivalent is EQQU on the London Stock Exchange (LSE). SCHG: For SCHG, you can check out IUIT which is traded on LSE. VYM: The similar UCITS fund would be VHYL, available on multiple European exchanges. VUG: You can opt for VUAA for a UCITS version on LSE. VTI: For something similar to VTI, VUSA is available as a UCITS ETF. These tickers should help you navigate your investment options in Europe. Always double-check the specific fund details to ensure they align with your investment goals! Cheers
@damjanstoimenov 3 ай бұрын
@@SmartMoneywithKai Thank you! 🥂
@stonecold9132 3 ай бұрын
TDGB is a good alternative to buy on t212. Has higher dividend yield and similar returns
@SmartMoneywithKai 3 ай бұрын
Thanks for sharing, will check it out 👌 Cheers
@AlejandroGarcia_O 9 ай бұрын
How about EXX5 as an alternative in Europe for SCHD?
@SmartMoneywithKai 9 ай бұрын
Hi there, haven't heard of them before though their top 10 holding looks a bit different to SCHD so would not say it's very much the same.
@samsamys5190 Жыл бұрын
There is a way for europeans or uk residents to buy those etf's and it's through options. The law doesn't prohibit buying options.
@lawrencer25 Жыл бұрын
Opinions are not for everyone and not for beginners. I live in the uk and held schd , JEPI and similar companies for many many years . Through Etoro and Stake . Didn't realise there was a problem buying in the Europe and the uk .
@SmartMoneywithKai Жыл бұрын
Hi Sam, you are correct, options and CFD's could be used, though I personally stay away from those, but if you feel comfortable with that, by all means, you can👍 Cheers
@erodotosdemetriou6506 Жыл бұрын
I bought SCHD as a European citizen, via Freedom 24. However, note that you are getting taxed on dividends. For my country is 15%. Assuming this tax rate, isn't much better to choose a European ETF with bigger expence ratio? (E.g. 0.7 %) ?
@SmartMoneywithKai Жыл бұрын
Hi Erodotos, I am not too familiar with Freedom 24 and sadly their website is not giving too many details, but I believe it's similar to Etoro. In the UK & EU you are sadly not allowed to buy US ETF's directly, and no broker can make an exemption to this. The only thing they can do is to sell you Options or CFD's so it looks like you own the ETF, but in fact you are not and if they were to fail, your money would be gone as don't actually own the underlying asset/ETF. That's from Etoro's website. 'All US ETF positions opened by clients of eToro (Europe) Ltd and eToro (UK) Ltd who are residents of the EEA or the UK are only available as CFDs.' So I assume it's the same for Freedom 24, they just don't show it, which makes me even more suspicious. Rules are rules sadly. So you are right, buying the EU ETF equivalent is the best and only way to go about it👍
@erodotosdemetriou6506 Жыл бұрын
@@SmartMoneywithKai wow didn't know that! In fact before opening my account at this broker I asked them if the product they sell is CFD and they denied it, saying that I am buying an actual ETF share, which is written in my own name! I would appreciate it if you can provide me with the EU law reference so I can investigate more before throwing my money on this platform! You are really saving me!!!🫡
@SmartMoneywithKai Жыл бұрын
My pleasure, so it's really something fishy there. They would be the only one's offering this and here you see the law why it's not allowed www.europarl.europa.eu/doceo/document/E-9-2021-004745_EN.html They are only allowed to offer UCITS ETF's. So if it was my money I would not invest it there, you just never know. Cheers
@whitevanman8703 8 ай бұрын
The 15% USA dividend withholding tax tax can be offset against your tax in all countries with a double taxation treaty with the USA, I believe that nearly all EU countries have such an agreement.
@heinodersanger9809 6 ай бұрын
@@SmartMoneywithKai Is there any way to tell if it's real or CFD? What about moving it from FF to IB and then looking at the ticker symbol at IB and asking IB if it's the real thing. They should have no intention to lie in that case, I guess. If it's distributing dividends, where does the dividend come from if it's a CFD?
@matus9157 Жыл бұрын
Hello Kai, what do you think about the Verizon stock, do you think it might be worth investing in?
@SmartMoneywithKai Жыл бұрын
Hi Matus, not much to be honest. I don't like the sector and when I look at 10 year total returns it's only 14% vs 210% of S&P500 so really poor performance and I don't see this changing for the future, so while the dividend looks attractive, total returns is very poor. Hope this helps. Cheers
@crypto_kim256 Жыл бұрын
Good video Kai. As always. Would you have purchased the SCHD ETF if it was available in Europe?
@SmartMoneywithKai Жыл бұрын
Hi Kim, many thanks indeed🙏 To be honest, probably not:) I actually really enjoy researching, understanding and investing directly into companies individually. When I use them, for example Costa Coffee through my Coca-Cola holdings, I feel like an actual owner of the company so yeah I really enjoy that, but if someone is not so excited about that or researching and following companies, I think SCHD could be an attractive high dividend ETF👌
@jjjakefrench 6 ай бұрын
When dose it pay dividends
@SmartMoneywithKai 6 ай бұрын
Hi there, on a quarterly basis, last payment was Dec 2023. Cheers
@persieprince9345 Жыл бұрын
Fusd is good option the criteria to choose stocks is good and similar to schd
@SmartMoneywithKai Жыл бұрын
Hi Persie, never heard of them, looks interesting, thanks for sharing👍
@tchuloguzman432 7 ай бұрын
For Europe you have dgrw and fusd Dgrw method is seperior imo to schd as it is focused more on profitability and not only the yield Fusd is solid choice also
@SmartMoneywithKai 7 ай бұрын
Hi there, thanks for sharing. Didn't know those before, but just had a look at FUSD, which is quite a different portfolio to SCHD so would not say they are very similar but might still be a good investment for some, just different. Cheers
@thehowto282 Жыл бұрын
what you think about about Jepi for people looking to retire you think its worth investing with the double tax?
@lawrencer25 Жыл бұрын
You have to really do your own due diligence. Some companies are not for everyone. Risk factors plays a big part and Emotions 👍👍👍
@SmartMoneywithKai Жыл бұрын
Hard to say, as I am not a financial advisor. It's an interesting ETF for sure, with a juicy yield, though personally when I look at some of their holdings, not all are companies I would personally invest in, so you really need to do your own due diligence and see what you feel comfortable with. Do you want to steadily grow your net worth, maybe better S&P500, do you want that regular dividend payout, JEPI could be an interesting option👍
@lawrencer25 Жыл бұрын
@@SmartMoneywithKai just a bit of fun for me with surplus money . After 20+ years iam Investing in almost everything. Iam in a very good position than most. Wedding coming up soon , so you'll be super busy .. Have a wonderful weekend
@SmartMoneywithKai Жыл бұрын
Thanks a lot Lawrence, indeed, big investment but I am confident I get a good return from it with my wife only appreciating in value😉 Cheers and happy weekend☀️
@Black-Circle Жыл бұрын
VHYL looks the best especially for UK
@SmartMoneywithKai Жыл бұрын
Hi there and thanks for sharing and agreed, VHYL is a nice alternative with a solid Dividend yield👌
@EricTanHold Ай бұрын
HI, even you stock picking, you still need to pay the 30% WHT.
@SmartMoneywithKai Ай бұрын
Hi, not really, if you invest in US stocks that don't pay a dividend there won't be any withholding tax charged, only on dividends 👌
@EricTanHold Ай бұрын
@@SmartMoneywithKai I prefer dividend because I want passive income.
@SmartMoneywithKai Ай бұрын
Well yes then, you will need to pay WHT but in many cases can be lowered to 15% if your country of residence has a tax treaty with the US.
@EricTanHold Ай бұрын
@@SmartMoneywithKai I am looking for stocks/ETF in UK, HK, SG. They don't have non-resident withholding tax on dividends.
@gjbm1782 9 ай бұрын
as an advice for non english speakers you can speak slowly
@SmartMoneywithKai 9 ай бұрын
Thanks for the advice, others told me to speak faster😂 Hard to please everyone, I guess I'll just continue the way I speak then. Anyways, thanks for watching. Cheers