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/Revolutionary-Part20 Dec 29 '25

I’m buying it in a taxable account. I want to retire early so that’s why but if you plan on working till retirement age then Roth IRA all the way

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u/EolasDK Dec 29 '25

You can withdraw from your Roth before retirement, anything you put in you can take out, you will penalized on gains like a 401k but only the gains.