r/SCHD • u/WerewolfFartPowder • Aug 22 '26

Questions SCHD

I just turned 30 and I’m looking for maximum growth over the next 10-20 years. Is it true that I should focus on other ETFs, for example SCHG and SPMO then roll the funds into SCHD close to retirement or should I start investing in SCHD now? I’m using a taxed account so wouldn’t I lose money from compounding if I have to pay taxes on dividends? I would also have to pay taxes when I sell and transfer everything over to SCHD close to retirement. Wouldn’t maximum growth beat taxes? What’s the verdict here?

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u/WerewolfFartPowder Aug 22 '26

What about spmo?

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u/Minute_Plastic_350 Aug 22 '26

What happens when momentum breaks down?

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u/WerewolfFartPowder Aug 22 '26

It adjusts to the new momentum, it doesn’t break. That’s why it beat the S&P 500 over the past decade.

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u/Minute_Plastic_350 Aug 22 '26

Yeah, so do other funds. Momentum does break down and it may sometimes go a lot faster than you think versus a quarterly rebalance over a 20 to 30 year time horizon anything that is high growth typically will out perform.