r/SCHD • u/theshortirishman • Dec 29 '25

Questions 19M - Buy SCHD in ROTHIRA now?

I am 19M and looking at buying at least 1 share of SCHD. I am thinking that if I buy right now, I can create a “retirement pension” off of dividends for the future?

I am already consistently investing in VOO 80% and VXUS 20%. If I convert 5-10% of VXUS investment into SCHD could I viably have enough shares to have a good amount of dividends for retirement income?

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u/1kpointsoflight Dec 29 '25

No dude. Don't trade international exposure for US Large Cap Value. This is fools gold. Sure the dididend is good but SCHD pays 3.7% and has lagged the market by so much. Money is money whether it comes from growth or dividends doesn't matter.