When is it a good time to purchase SCHD?

**The Schwab U.S. Dividend Equity ETF (SCHD) can be a good investment at various times based on your strategy and risk tolerance. Here are some insights to consider:**

1. **Dividend Yield**: SCHD offers a dividend yield of 4.14% as of April 16, 2025. This yield is attractive, especially in a low-interest-rate environment, making it a potential source of passive income.

2. **Market Performance**: SCHD has a history of strong long-term returns, with an annualized five-year return of 10.7% as of November 30, 2023. Despite trailing the S&P 500 in 2023, SCHD's performance over longer periods suggests it could be a solid addition to a diversified portfolio.
3. **Technical Indicators**: The ETF's technical indicators show a MACD of -0.15, an RSI of 46.07, and a KDJ of 78.32 as of April 17, 2025. These suggest that the ETF may be neither overbought nor oversold, and the lack of a clear signal from these indicators may indicate a need for further analysis or a wait-and-see approach.

|code|Ticker|Name|Date|MACD|RSI|market_code|
|---|---|---|---|---|---|---|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20250417|-0.1473|46.0722|169|

4. **Moving Averages**: The 5-day, 10-day, and 20-day moving averages are $25.39, $25.23, and $26.48, respectively. The proximity of these averages suggests a short-term consolidation phase, which could be seen as a potential buying opportunity if the ETF's price moves above the moving averages.

|code|Ticker|Name|Date|Moving Average|market_code|
|---|---|---|---|---|---|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20250417|25.3932|169|

5. **Fund Flow**: The ETF has seen a net outflow of $107.48 million, which could indicate investor caution or a need for further evaluation of the fund's current performance and market conditions.

|code|Ticker|Name|Date|Net Fund Flow|market_code|
|---|---|---|---|---|---|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240417|-7597000|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240418|0|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240419|1.1373E7|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240422|-3833000|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240423|2.70375E7|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240424|0|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240425|7.0299E7|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240426|0|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240429|-7748000|169|
|SCHD|SCHD.P|Schwab U.S. Dividend Equity ETF|20240430|3.1184E7|169|

6. **Strategic Positioning**: SCHD's strategy of focusing on companies with a proven history of dividend payments and financial stability positions it well in a market where investors are seeking reliable sources of income. This balanced approach to income and growth makes it suitable for a wide range of investor profiles.

In conclusion, whether it's a good time to purchase SCHD depends on your investment goals, risk tolerance, and market outlook. If you are looking for a stable income stream and are comfortable with a long-term investment approach, SCHD could be a good fit. However, given the mixed technical indicators and recent fund outflows, it may be prudent to consider these factors along with your own investment strategy before making a decision. Monitoring the ETF's performance relative to its moving averages and the broader market indices could also provide valuable insights for timing a purchase.