EPISODE · Jul 3, 2026 · 18 MIN
Ep. 96: The Honest Math on Income — SCHD vs VIG, Covered-Call Yields, and Dividend Kings on Sale
from Informed Investing · host Informed Investing
6 dividend/income sources under the honest-math lens (is the payout covered, is the yield real or ROC eroding NAV, paid from profits or principal). (1) Our SCHD piece: Is SCHD Overrated vs VIG & SPY — 3.25% yield (2x VIG, 3x SPY), 0.06% ER, since-inception +274.88% price / +497.94% total (no NAV erosion), 5yr div CAGR SCHD ~9.2% vs VIG ~9.1% (growth-vs-yield myth killed), lags SPY by design (screens out NVDA/AAPL/MSFT). (2) GPIX vs TSPY covered-call S&P 500 for retirement (Doug the Retirement Guy). (3) 8 high-income ETFs with zero price decay / no NAV erosion: QDPL, OVL (10.5%, beats VOO), KNG (9%), IDVO (6% intl), SPYI (12%), KGLD (16% gold), Q6 (5%), CHIPY (40-45% YieldMax semis). (4) Coca-Cola (KO) ahead of late-July investor update, Motley Fool sponsored: 2, +18% YTD, 9.8B TTM rev, 17.3% ROIC vs 6.5% WACC, DCF fair value 01 (undervalued) but fwd P/E 25 = priciest since early 2024. (5) 5 undervalued Dividend Kings/Aristocrats (Dividend Prince): ABT 53yr 2.7%/67%, CVX 38yr 4.2%/120% (riskiest), LOW 65yr 2.2%/41%, PEP 54yr 4.2%/89%, PG 70yr 2.9%/62% (safest). (6) Complete Vanguard portfolio guide: VTI/VXUS/BND/VIG/VTIP/VGSH core, allocations by age (90-100% equity in 20s-30s down to 30-40% at 70+).
What this episode covers
6 dividend/income sources under the honest-math lens (is the payout covered, is the yield real or ROC eroding NAV, paid from profits or principal). (1) Our SCHD piece: Is SCHD Overrated vs VIG & SPY — 3.25% yield (2x VIG, 3x SPY), 0.06% ER, since-inception +274.88% price / +497.94% total (no NAV erosion), 5yr div CAGR SCHD ~9.2% vs VIG ~9.1% (growth-vs-yield myth killed), lags SPY by design (screens out NVDA/AAPL/MSFT). (2) GPIX vs TSPY covered-call S&P 500 for retirement (Doug the Retirement Guy). (3) 8 high-income ETFs with zero price decay / no NAV erosion: QDPL, OVL (10.5%, beats VOO), KNG (9%), IDVO (6% intl), SPYI (12%), KGLD (16% gold), Q6 (5%), CHIPY (40-45% YieldMax semis). (4) Coca-Cola (KO) ahead of late-July investor update, Motley Fool sponsored: 2, +18% YTD, 9.8B TTM rev, 17.3% ROIC vs 6.5% WACC, DCF fair value 01 (undervalued) but fwd P/E 25 = priciest since early 2024. (5) 5 undervalued Dividend Kings/Aristocrats (Dividend Prince): ABT 53yr 2.7%/67%, CVX 38yr 4.2%/120% (riskiest), LOW 65yr 2.2%/41%, PEP 54yr 4.2%/89%, PG 70yr 2.9%/62% (safest). (6) Complete Vanguard portfolio guide: VTI/VXUS/BND/VIG/VTIP/VGSH core, allocations by age (90-100% equity in 20s-30s down to 30-40% at 70+).
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Ep. 96: The Honest Math on Income — SCHD vs VIG, Covered-Call Yields, and Dividend Kings on Sale
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