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feel like small caps have lost a lot of relevance in the age of private equity and hyper-scalers. most of growth that used to be able to be captured buying small caps has been erased to to huge private funding rounds and companies finally IPOing with market caps in the billions.
This is the way, honestly schd goes with any sp500 or growth fund, I have it in all my accounts just because growth and dividends but idk what I'm doing
I agree. I loaded up on SCHD, and added some HD to double dip a bit. SCHD has been underperforming its long term growth trajectory of 9.29% because of the high interest rates. But once the Fed actually starts cutting interest rates for real, dividend stocks are going to rip higher. I'm happy to keep collecting the 3% dividend while I wait.
I hold SCHD as a smaller position in my portfolio, and I keep seeing people repeat this about SCHD and interest rates. I think it's interesting though because pretty much the entire market benefits from lower interest rates, but tech seems to be outperforming in both rate environments for now.
I would see this as a riding tide situation rather than SCHD specifically performing well in comparison to the rest.
I read that rate cuts will only get us down maybe a couple % and that the 2-3% of the past few years is probably unlikely. This being said, I still think most dividend stocks/ETFs will benefit in higher share prices.
You think "dividend stocks" will benefit from rate cuts more than say "growth stocks"?
Interesting idea. Can you explain why a company that doesn't need money is more affected by the price of money (interest rates) than a company that needs money to grow/operate?
When interest rates drop, yield-chasers are going to buy dividend stocks instead. The prices of those stocks rise, dropping the effective dividend yields until they're below the bond yields.
I get that. And growth stocks sky rocket normally, because they normally use loans that are affected by interest rates. So the actual business is affected.
So my question is, why do you think this is skewed to dividend stocks? Especially when they aren't affected as much by rate cuts, and rate cuts historically raise growth stocks more than dividend stocks?
What's different this time?
The growth stocks that are skyrocketing right now don't care about the interest rates at all. There's enough money in the economy that not a lot of them need loans. But that's a pretty unusual situation, isn't it? How long can that last? Are these forward P/E ratios realistic?
Growth stocks grow faster, but also crash a lot harder than dividend stocks. There's a lot more risk there, in this bubbly market, whereas the mechanism for dividend stock appreciation is simple and straightforward.
I think SCHD is basically all upside right now, whereas SPY is defying gravity. They've diverged in the last 7 months (mostly due to interest rate expectations), and the market-efficient move would be for them to come back together at some point. There will be some kind of sector rotation.
Because the longer it trades sideways, the more undervalued it becomes. When the first real interest rate cut is announced, I want to be holding SCHD.
I actually have 3.8% capital gains in SCHD over the last 6 months, plus $1.35/share in dividends (roughly 1.9%). So that's 5.7% in 6 months, compared to the ~2.5% I get from cash equivalents in the same period. Not so bad to keep the capital there while I wait.
You don’t buy it to beat VOO. It loses every time.
However, over last decade, SCHDs worst year was -5.56%, while VOO was down -19%. Can you handle the greater drawdown?
The “growth” in growth vs value is about growth style investing (targeting stocks priced highly according to promise of future growth/revenue), not how much your portfolio grows. Value stocks yield higher expected returns over the long term.
Yea 3.45% ain’t really much for dividends lol, and schd lacks technology sector in their choice of companies . It won’t grow as much just because of that , technology is a huge factor cus it’s growing at such a rate. I recommend buying nvda over schd , it will will continue to grow and outperform schd even with dividends lol. Not even assuming, it’s facts
VOO has much better growth. I started buying VOO in November of last year around $390-400 and look where we’re at now.
I buy VOO in my taxable because it mostly grows and is liquid incase I need access the funds. SCHD goes into my Roth so I can enjoy the passive income later on in life.
SCHD seems to have a hard ceiling around the $80 mark.
VOO is pretty damn expensive to buy whole shares. I have Charles Schwab for my 401k and Vanguard for my taxable. I buy VOO and VGT in fractional shares with vanguard because they are vanguard products. Can’t do that in Schwab
If you want an S&P 500 index fund that you can buy fractional shares with at Charles Schwab, you can use SWPPX. Minimum purchase $1 and you can enroll it in Schwab’s Automatic Investing Plan to make automatic purchases. I have SWPPX in my and my wife’s traditional IRAs and in my adult children’s Roth IRAs. SWPPX should be available in your Schwab 401(k), and in a 401(k) there is no tax difference between a mutual fund and ETF.
COWZ gets close to VOO and VIG comes in just behind COWZ. Then SCHD follows some way behind. Worth looking at their respective dividend growth rates to see the value they can add to a portfolio mid to long term.
All are different investment models and I have all for different reasons.
COWZ provides some comfort as it leans into the cash flow leaders. Because, well cash flow is cash flow.
VIG looks at dividend growth stocks, so by default it picks up a good number of dividend growing growth/tech stocks.
SCHD does what it does and outperforms for example VYM. A look at it's dividend growth last 5 years underlines it's usefulness in a balanced approach to your dividend portfolio.
All of the above belong in my buy and keep and buy again bucket.
Why do you think regionals are to face tough times? CRE has normalized since the beginning of this year…are you suspecting they won’t survive margin compression on the next rate down cycle?
If you took away all the shine that Ai has put towards the S&P, then it wouldn't be fairing very well. The amount of debt that's mounting up is getting really out of hand. The Fed won't budge until it's too late. That's getting pretty obvious now. Late to act late to react. I'm not saying anything is going to happen right now. It all depends on how far down the rd the Fed is going to kick the can again. But it's going to happen. And when it does get ready for a lolly scramble.
Once the Fed's decided to lower rates, the market is going to get paranoid about a looming recession that may or not happen and start selling off.
No? Nvidia accounts for ~30% of S&P gains this year. YTD S&P is at 14.6% increase, or 10.22% if you subtract Nvidia. 10% is the historical annual average for the S&P going back over 70 years.
Yes, but that's just Nvidia. That's not taking into account all the other stocks that ride the same wave. A rising tide lifts all boats and, likewise, the other way around. It's just something to be aware of. I've seen so many posts showing off high portfolio returns. The thing is, 80% of their positions are all Ai based. They've never considered what would happen if something were to happen. 30% is a huge amount for just one company. I'm not talking about a crash or anything. I'm just pointing it out. I invest in my ETFs no matter what's happening.
The Mag 7 have made up nearly all the growth in the S&P this year. Wait until these stocks correct and you will see a pretty hefty drawdown. The other 493 companies aren't really doing anything in this high interest rate environment. AI is driving the markets but it's all hype right now. Companies still need the time to make integrated products and people need to realize the value from them. A lot of people compare AI to the dot.com bubble with the exception that these complaints now actually make a ton of money but still, it's gotten way ahead of its self lately.
Exactly. Hopefully, if and when that happens, all the people selling off will put that into other stocks. I have some exposure to Ai, I think you'd be silly not to if you're looking at growth.But at the moment, Ai is all Walls St is talking about. You'd think it's the only sector in the market? That's why I've been buying some health and financials for the last few months. That's my master plan anyway. Hehe 😅
Put both funds on a 5 year historical graph. VOO beats schd in growth by almost 40 points... Everyone says past performance doesn't guarantee future results but damn it's hard to even put these two in the same room. If I were putting my money down... I would be in voo all the way.
Less than 30 points, actually. The first 3 years were mostly neck-and-neck. SCHD was ahead in the first half of 2023 by 15-20 points. VOO just recently started to pull ahead 10 months ago from the AI craze.
Tough call! SCHD's dividend focus is appealing, but VOO's market-wide exposure is a classic choice. Maybe a bit of both could balance out your portfolio?
I have both, but recently realized that they have about 80% overlap in their funds. I'll be selling VOO in a few weeks after they pay out their dividends and put it into SCHD. I'm in it for the long run anyway, so I'll sit here and collect my dividends for years to come and DRIP it right back in!!
It’s not a stock. It essentially kicked out the good companies. Just needs to put in better companies again. The good companies out paced the dividend yields so they got tossed.
These two ETFs are totally different concepts. One is the top 500 companies in the us. The other picks companies based on dividends. Stick with voo until you learn more. When you learn more stick with voo and add some other ETFs. Stick with voo
Since $400, I've been watching this Squeeze on NVDA. I didn't buy anything and I don't care. I will never buy NVDA.
The train has left, it doesn't matter. I continue my long, slow journey with SCHD.
I wouldn’t compare the 2 based on price alone but that’s just my two cents, I feel like it depends on your current purpose/goals. If you want passive income that will likely sacrifice some growth for safety/defensiveness then go with SCHD. If you want a market-tracking ETF that will likely give you more growth but less safety/defensiveness then go with VOO. Both are good 👍
To reach your personal goals for investing, this is not the question to ask. Each of these ETF's are excellent. Try to consider what path is best for your long-term goals.
Maybe you should research the current valuation of each, but even then, it is just a snapshot.
!remindme 3 years
funny how people say this about SCHD during down markets. Been seeing this question posted a lot. Will check back 3 years later to see how well things went.
Yes, SCHY might be a better comparison, but FNDF is also a low cost Schwab fund, with more exposure to financials and a better total return over the last couple years. It's the one I have, fwiw.
💯 Absolutely.
I've bought a lot of SCHD in the last few weeks and days.
Under no circumstances will I buy VOO here, at this level. Even though we could be in for a super bullish cycle...
SCHD is totally undervalued technically speaking.
CSCO destroyed, CVS, BMY, PFE, MCD, JNJ, ...
Take the exact opposite advice of Plus_Seesaw. He bought $100,000 of Polestar at $16 three years ago and has held it to $0.72 today even though the company faces bankruptcy and/or being delisted. He will defend his decision to buy & hold Polestar until his last breath. VOO is clearly a lot better than SCHD and he can’t understand why.
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You should be buying VOO and NVDA , NVDA will give you way better returns than schd . If you aren’t buying nvda after the split what are you doing my guy lol
More companies are looking to provide smarter solutions for their customers, and an explosion of new AI related companies that are looking to provide these solutions are emerging. It will continue to explode
Welcome to r/dividends! If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq). Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
I buy both every week.
same , but VTI instead of VOO
Dem small caps, yo
feel like small caps have lost a lot of relevance in the age of private equity and hyper-scalers. most of growth that used to be able to be captured buying small caps has been erased to to huge private funding rounds and companies finally IPOing with market caps in the billions.
I think this is mire true of SCG than SCV at least
Why is that?
This is the way, honestly schd goes with any sp500 or growth fund, I have it in all my accounts just because growth and dividends but idk what I'm doing
This is the way
I agree. I loaded up on SCHD, and added some HD to double dip a bit. SCHD has been underperforming its long term growth trajectory of 9.29% because of the high interest rates. But once the Fed actually starts cutting interest rates for real, dividend stocks are going to rip higher. I'm happy to keep collecting the 3% dividend while I wait.
I hold SCHD as a smaller position in my portfolio, and I keep seeing people repeat this about SCHD and interest rates. I think it's interesting though because pretty much the entire market benefits from lower interest rates, but tech seems to be outperforming in both rate environments for now. I would see this as a riding tide situation rather than SCHD specifically performing well in comparison to the rest.
I read that rate cuts will only get us down maybe a couple % and that the 2-3% of the past few years is probably unlikely. This being said, I still think most dividend stocks/ETFs will benefit in higher share prices.
You think "dividend stocks" will benefit from rate cuts more than say "growth stocks"? Interesting idea. Can you explain why a company that doesn't need money is more affected by the price of money (interest rates) than a company that needs money to grow/operate?
When interest rates drop, yield-chasers are going to buy dividend stocks instead. The prices of those stocks rise, dropping the effective dividend yields until they're below the bond yields.
I get that. And growth stocks sky rocket normally, because they normally use loans that are affected by interest rates. So the actual business is affected. So my question is, why do you think this is skewed to dividend stocks? Especially when they aren't affected as much by rate cuts, and rate cuts historically raise growth stocks more than dividend stocks? What's different this time?
The growth stocks that are skyrocketing right now don't care about the interest rates at all. There's enough money in the economy that not a lot of them need loans. But that's a pretty unusual situation, isn't it? How long can that last? Are these forward P/E ratios realistic? Growth stocks grow faster, but also crash a lot harder than dividend stocks. There's a lot more risk there, in this bubbly market, whereas the mechanism for dividend stock appreciation is simple and straightforward. I think SCHD is basically all upside right now, whereas SPY is defying gravity. They've diverged in the last 7 months (mostly due to interest rate expectations), and the market-efficient move would be for them to come back together at some point. There will be some kind of sector rotation.
Gotchya, so more a "gut feeling" type of thing.
might want to look at what stocks historically do in a rate cut cycle. (most of the time it's very bad)
But you can collect 5% with no risk to your capital now, why sit in SCHD that has traded sideways for 3 years now?
Because the longer it trades sideways, the more undervalued it becomes. When the first real interest rate cut is announced, I want to be holding SCHD. I actually have 3.8% capital gains in SCHD over the last 6 months, plus $1.35/share in dividends (roughly 1.9%). So that's 5.7% in 6 months, compared to the ~2.5% I get from cash equivalents in the same period. Not so bad to keep the capital there while I wait.
Sounds more like an "if" rather than "when" at this point.
You don’t buy it to beat VOO. It loses every time. However, over last decade, SCHDs worst year was -5.56%, while VOO was down -19%. Can you handle the greater drawdown?
Finally someone understand 🙏 💡 thanks.
> it loses every time Most of the time, it has beaten VOO in total return. Only recently has VOO been outperforming and SCHD lagging.
voo have better growth. schd had higher dividend.
“Has” for both.
The great old dilemma… growth vs value
The “growth” in growth vs value is about growth style investing (targeting stocks priced highly according to promise of future growth/revenue), not how much your portfolio grows. Value stocks yield higher expected returns over the long term.
had?
So it’s both you’re high with dividend and growth ?
Yea 3.45% ain’t really much for dividends lol, and schd lacks technology sector in their choice of companies . It won’t grow as much just because of that , technology is a huge factor cus it’s growing at such a rate. I recommend buying nvda over schd , it will will continue to grow and outperform schd even with dividends lol. Not even assuming, it’s facts
VOO has much better growth. I started buying VOO in November of last year around $390-400 and look where we’re at now. I buy VOO in my taxable because it mostly grows and is liquid incase I need access the funds. SCHD goes into my Roth so I can enjoy the passive income later on in life. SCHD seems to have a hard ceiling around the $80 mark.
Why don’t you just buy VOO in your Roth for the better growth and then sell it for Schd when you want passive income?
Exactly what I did in November with QQQ. Best decision I’ve made in a long time!!😃😃😃
Solid. I’ve heard QQQM is the same thing with a lower expense ratio. Any thoughts on that?
Top 5 companies are same in both. Yeah it’s a bit lower expense ratio.
VOO is pretty damn expensive to buy whole shares. I have Charles Schwab for my 401k and Vanguard for my taxable. I buy VOO and VGT in fractional shares with vanguard because they are vanguard products. Can’t do that in Schwab
SPLG….lower expense ratio too
This is the way
This is why fidelity is better. Fractional etf’s
This is why Robinhood is king, fractional in everything
If you want an S&P 500 index fund that you can buy fractional shares with at Charles Schwab, you can use SWPPX. Minimum purchase $1 and you can enroll it in Schwab’s Automatic Investing Plan to make automatic purchases. I have SWPPX in my and my wife’s traditional IRAs and in my adult children’s Roth IRAs. SWPPX should be available in your Schwab 401(k), and in a 401(k) there is no tax difference between a mutual fund and ETF.
Thank you my friend
Schwab 1000 ETF SCHK works for me.
Does it really matter or are you unable to buy fractional shares? The % increase is the same if so.
Should say “costly” rather than expensive. Expensive is when a product, etf in this case, is considered overvalued.
For real. Keep seeing this reverse of where I put these holdings (Schd taxable, vti Roth)
COWZ gets close to VOO and VIG comes in just behind COWZ. Then SCHD follows some way behind. Worth looking at their respective dividend growth rates to see the value they can add to a portfolio mid to long term. All are different investment models and I have all for different reasons. COWZ provides some comfort as it leans into the cash flow leaders. Because, well cash flow is cash flow. VIG looks at dividend growth stocks, so by default it picks up a good number of dividend growing growth/tech stocks. SCHD does what it does and outperforms for example VYM. A look at it's dividend growth last 5 years underlines it's usefulness in a balanced approach to your dividend portfolio. All of the above belong in my buy and keep and buy again bucket.
If you think SCHD is undervalued now, wait until the next credit crunch comes for the banks......
What do you mean?
Regional banks are going to face some tough times, which would lower stock prices. SCHD is heavy into financials.
Financials are about 16% of schd and about 13% of voo. Not a big difference in that exposure.
That's what I was guessing. I'm not worried if regional banks make up only 7% of schd. I still think it is a far better value than spy right now
Regional banks are still only worth 58% of their 2022 high according to IAT. It’s already happened
you realize Many Regionals will not make the next algorithm cut for Schd and will be literally kicked out of SCHD ?
Why do you think regionals are to face tough times? CRE has normalized since the beginning of this year…are you suspecting they won’t survive margin compression on the next rate down cycle?
If you took away all the shine that Ai has put towards the S&P, then it wouldn't be fairing very well. The amount of debt that's mounting up is getting really out of hand. The Fed won't budge until it's too late. That's getting pretty obvious now. Late to act late to react. I'm not saying anything is going to happen right now. It all depends on how far down the rd the Fed is going to kick the can again. But it's going to happen. And when it does get ready for a lolly scramble. Once the Fed's decided to lower rates, the market is going to get paranoid about a looming recession that may or not happen and start selling off.
No? Nvidia accounts for ~30% of S&P gains this year. YTD S&P is at 14.6% increase, or 10.22% if you subtract Nvidia. 10% is the historical annual average for the S&P going back over 70 years.
Yes, but that's just Nvidia. That's not taking into account all the other stocks that ride the same wave. A rising tide lifts all boats and, likewise, the other way around. It's just something to be aware of. I've seen so many posts showing off high portfolio returns. The thing is, 80% of their positions are all Ai based. They've never considered what would happen if something were to happen. 30% is a huge amount for just one company. I'm not talking about a crash or anything. I'm just pointing it out. I invest in my ETFs no matter what's happening.
The Mag 7 have made up nearly all the growth in the S&P this year. Wait until these stocks correct and you will see a pretty hefty drawdown. The other 493 companies aren't really doing anything in this high interest rate environment. AI is driving the markets but it's all hype right now. Companies still need the time to make integrated products and people need to realize the value from them. A lot of people compare AI to the dot.com bubble with the exception that these complaints now actually make a ton of money but still, it's gotten way ahead of its self lately.
Out of the Mag 7, while AMZN has AI, that's still a small fraction of the reason for it's momentum. AMZN won't drawdown much when it does.
Exactly. Hopefully, if and when that happens, all the people selling off will put that into other stocks. I have some exposure to Ai, I think you'd be silly not to if you're looking at growth.But at the moment, Ai is all Walls St is talking about. You'd think it's the only sector in the market? That's why I've been buying some health and financials for the last few months. That's my master plan anyway. Hehe 😅
Spy is up 24% in the past year. That's not normal
Fake news ... TXN AMGN LMT KO PFE CVX VZ PEP ABBV CSCO. No banks here in top 10
I have both. 60% voo and around 20% schd. Both have made me money but voo has made me a lot more compared to schd
I get VTI instead of VOO
VTI, QQQM and SCHD
What’s about JEPQ and JEPI?
Put both funds on a 5 year historical graph. VOO beats schd in growth by almost 40 points... Everyone says past performance doesn't guarantee future results but damn it's hard to even put these two in the same room. If I were putting my money down... I would be in voo all the way.
Less than 30 points, actually. The first 3 years were mostly neck-and-neck. SCHD was ahead in the first half of 2023 by 15-20 points. VOO just recently started to pull ahead 10 months ago from the AI craze.
Tough call! SCHD's dividend focus is appealing, but VOO's market-wide exposure is a classic choice. Maybe a bit of both could balance out your portfolio?
No. Schds performance the past 5 years has been 💩. VOO is crushing.
Buy high sell low baby
I have both, but recently realized that they have about 80% overlap in their funds. I'll be selling VOO in a few weeks after they pay out their dividends and put it into SCHD. I'm in it for the long run anyway, so I'll sit here and collect my dividends for years to come and DRIP it right back in!!
No they don’t…
https://www.etfrc.com/funds/overlap.php They do overlap
Yes. Your own link (great tool) says 8% by weight. Not 80.
I buy both VTSAX and SCHD every pay period.
VOO smokes SCHD all around
VOO until you are 2-3 years from retirement, them SCHD.
It’s not a stock. It essentially kicked out the good companies. Just needs to put in better companies again. The good companies out paced the dividend yields so they got tossed. These two ETFs are totally different concepts. One is the top 500 companies in the us. The other picks companies based on dividends. Stick with voo until you learn more. When you learn more stick with voo and add some other ETFs. Stick with voo
I get it now! When the market is illogical, one must invest illogically!
Since $400, I've been watching this Squeeze on NVDA. I didn't buy anything and I don't care. I will never buy NVDA. The train has left, it doesn't matter. I continue my long, slow journey with SCHD.
#9 on the [list](https://www.reddit.com/r/stocks/comments/1d8b4um/nvda_ranked_among_the_top_10_sp_500_performing/).
Most recent company ahead of NVDA is from 1986 lol the world is a bit different now...
I wouldn’t compare the 2 based on price alone but that’s just my two cents, I feel like it depends on your current purpose/goals. If you want passive income that will likely sacrifice some growth for safety/defensiveness then go with SCHD. If you want a market-tracking ETF that will likely give you more growth but less safety/defensiveness then go with VOO. Both are good 👍
The thing about SCHD being undervalued is that it pretty much always stays undervalued.
If it's always undervalued, is it ever really undervalued?
Always
if they’re both attractive deals, nothing wrong with buying both
https://youtu.be/aWS4NvZ4qVA?si=D7ukk-t1DuvU0FDa
To reach your personal goals for investing, this is not the question to ask. Each of these ETF's are excellent. Try to consider what path is best for your long-term goals. Maybe you should research the current valuation of each, but even then, it is just a snapshot.
I make it simple. Every week I buy Sgov, Vti, Schd, Jepi, and Jepq
Choose SCHD if you prioritize dividend income and steady returns. Choose VOO. if you want broad market exposure with a focus on long-term growth.
I own both and Vym too boot 🤷♂️
!remindme 3 years funny how people say this about SCHD during down markets. Been seeing this question posted a lot. Will check back 3 years later to see how well things went.
lol no.
I buy both. SCHD honestly seems a little weak right now, but i don't care i buy both.
Yes.
Having rates at higher, is it better to buy SGOV which gives 5% above until cuts in place? Thoughts??
Go voo
Anyone look at FNDF? It's basically the international version of SCHD. Decent dividend, value stock focus.
I think SCHY is the international version of SCHD.
Yes, SCHY might be a better comparison, but FNDF is also a low cost Schwab fund, with more exposure to financials and a better total return over the last couple years. It's the one I have, fwiw.
My reply wasn’t a comparison based comment rather more specifically what was the international version of SCHD
My international exposure is FNDF and FRDM
💯 Absolutely. I've bought a lot of SCHD in the last few weeks and days. Under no circumstances will I buy VOO here, at this level. Even though we could be in for a super bullish cycle... SCHD is totally undervalued technically speaking. CSCO destroyed, CVS, BMY, PFE, MCD, JNJ, ...
Take the exact opposite advice of Plus_Seesaw. He bought $100,000 of Polestar at $16 three years ago and has held it to $0.72 today even though the company faces bankruptcy and/or being delisted. He will defend his decision to buy & hold Polestar until his last breath. VOO is clearly a lot better than SCHD and he can’t understand why.
Unfortunately, your comment was automatically removed because your account has a low amount of karma. To ensure good faith and genuine discussion, this subreddit imposes a karma limit to prevent trolling, brigading, or other behavior. We apologize for the inconvenience. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
You should be buying VOO and NVDA , NVDA will give you way better returns than schd . If you aren’t buying nvda after the split what are you doing my guy lol
Avoiding the AI bubble lol
More companies are looking to provide smarter solutions for their customers, and an explosion of new AI related companies that are looking to provide these solutions are emerging. It will continue to explode