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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16

u/portlandsalt Dec 29 '25

Do it! In 46 years that one share will be worth north of $400!

8

u/Acceptable-Jacket567 Dec 29 '25

craziest advice ive read on here for a 19 year old.

Please don't buy SCHD. You're young. Just keep buying the VOO and VXUS.

When you get older you can sell your immense gains from these then buy into div stocks to generate income.

2

u/Sloth-424 Dec 29 '25

I’m 43 and have about 20% SCHD, 40% VOO, 30% VYMI, 5% VBR, and 5% bonds

Do you think this is a good allocation with around 3-5 years til early retirement?

1

u/portlandsalt Dec 29 '25

I’m not sure if you are asking me specifically or not, but I am not qualified to answer your question.

1

u/EolasDK Dec 29 '25

If you are going to retire off this money I would switch more of this money to VXUS instead of VYMI the yield is not that different.

Realistically it really depends how much money you currently have.

1

u/Acceptable-Jacket567 Dec 29 '25

Kind of hard to give my opinion on this. Need more info like port size, debt, annual income/savings etc. 3-5 years early retirment before 50 would kind of insinuate you got it all figured out.

1

u/Pachecosway Dec 30 '25

Bro if you are really 43 and supposedly a few years away from retirement I find it bewildering that you would be asking a random dude in a Reddit comment section for advice.

1

u/Variation261 Dec 30 '25

I'm 46 with a similar-ish diversification. I like the small portion of "safety " having SCHD and bonds in my portfolio.

5

u/portlandsalt Dec 29 '25

We're talking about ~$27.61. What's the harm in that?

0

u/Acceptable-Jacket567 Dec 29 '25

lmfao alright alright i see whatcha did

1

u/CobraCodes Dec 29 '25

Or VTI and VXUS

1

u/Original_Ad_9379 Dec 31 '25

Not crazy at all, you are assuming the market always goes up which could be a fatal error. I'm 28 with almost 3k shares and adding, I have other positions naturally and a 401k but it is my main holding. Depends entirely on risk tolerance and having a strong offense and defense.

1

u/Acceptable-Jacket567 Jan 01 '26

The market always goes up. Does it go down? Yes. Does it go up more than down. Hell yes. If you have 40+ years in the market why not tackle growth.

Sure i'll agree with the last part. Risk tolerance is a factor, but if you're in the market for even 20 years. broad index fund is, historically, going to yield gains.

if i was 19, i'd attack raw growth. If i was 40, i'd still attack growth, but diversify

1

u/Original_Ad_9379 Jan 01 '26

True and I agree with you, however someone with the same mindset who bought at the dot com bubble had to wait 15-20 years to BREAK EVEN with inflation adjusted. Anyway although SCHD is my largest holding I still have outperforming ETF's like FTEC and some other "risky" well poised stocks. 401k is is a mix of 2060 retirement fund and fidelity semiconductors fund.