Reddit Investors Debate Buying vs. Waiting: 'I've Been An SCHD Stan Since 2021 And I Ain't About To Change.'

The stock market has been turbulent in 2025. It started off strong when President Donald Trump announced Stargate, a program that promised $500 billion in AI infrastructure investments. However, those gains were short-lived. DeepSeek news hurt many AI stocks at the end of January. Just when it looked like equities were recovering, Trump's tariff announcements created more panic and uncertainty.

While the stock market is still uncertain, some Redditors are discussing if now is a good opportunity to buy the dip. One Redditor recently posted in the Dividends subreddit to gauge if others are buying or waiting, and it got plenty of comments. 

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Continuing to DCA As Always

One of the top comments came from a Redditor who said they would continue to dollar-cost average as always. The DCA strategy involves buying stocks at regular intervals. That way, investors steadily increase their positions and get to capitalize on any dips. Two people replied to the comment saying that they are also dollar-cost averaging.

This isn't the first time Trump has used tariffs. The stock market didn't perform well in 2018 when the president initiated a flurry of tariffs during his first term. However, the stock market staged a strong recovery one year later. Some of the biggest losers in 2018 proceeded to log some of the strongest gains in the following year.

Market participants have been acting like the stock market is about to crash. Some investors continue to DCA and ignore the noise.

One investor put it bluntly by saying, "I've been an [Schwab US Dividend Equity ETF (NYSE Arca: SCHD)] stan since 2021 and I ain't about to change." 

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Cashed Out to Pay Some Debt

Another Redditor said that they cashed out their positions to pay off debt. The Redditor is nervous about Trump's "Liberation Day," which he will announce and implement more tariffs on April 2.

It's not good to sell assets just because of short-term uncertainty. However, it is wise for the Redditor to sell off their positions to pay off debt. Dividends stocks and funds typically don't record significant gains. While that also produces lower volatility than average, these stocks don't yield as high as the interest rate on debt.

Dividend investing makes the most sense for people who are debt-free and want cash flow. However, it's better to pay off credit card debt than it is to keep your money in funds like SCHD.

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Most People Are Buying Stocks

Most of the people who left comments on the post shared which stocks they are buying. Some Redditors have interpreted recent market events as a fire sale. Only a few investors are holding back for what they believe will be a bigger pullback.

SCHD came up often as a fund that people want to buy. That makes sense since the post was published in the Dividends subreddit. Dividend reinvestments will allow investors to grow their positions while waiting for the market to recover.

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