Schwab US Dividend Equity ETF (SCHD)
Diversified Equity • Large Value • NYSE
Last updated: Aug 31, 2026 at 5:00 PM ET
Dividends
Dividend Metrics
Growth
Schwab US Dividend Equity ETF (SCHD)
NYSE • Large Value • USA
Sector Allocations
Technical Indicators
Simple Moving Averages
Exponential Moving Averages
Holdings (99)
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I'm 31. Here's How I Would Retire Today On A 5% Yield That Grows Faster Than Inflation
Retire if your portfolio produces a 5.0% net cash yield that grows faster than inflation, start by translating your annual spending into a required yield rather than chasing a headline portfolio size The 4% rule was stress-tested for ~30-year retirements - a 31‑year‑old faces 60 years of risk, and sequence-of-returns risk means selling into early drawdowns permanently impairs future income Inflation math matters - at 3% inflation a static income loses ~26% of purchasing power in 10 years and ~45% in 20, so prioritize yield coupled with dividend or distribution growth, not just high nominal yield Live inputs: SCHD yields ~3.2% with dividends compounding ~8.7% CAGR over 5 years; MAIN yields ~6.1% regular (~7.9% with supplements) with +3.9% YoY raises; AMLP yields ~8% and distributions rose ~17% since 2024 Practical portfolio rule - target ~5% cash yield via a blend of dividend-growth ETFs and selected higher-yield instruments, spend only generated cash to avoid share sales, and tilt to inflation-linked sectors like energy
Understanding Altria’s Growth Amid Decline
MO is shrinking, but profits aren’t: operating margin hit a record 59.7%, FCF margin 45.6%, ROIC 43.4% with volumes down Price-over-volume engine: 6–8% annual price hikes, Marlboro share to 42.1%, tight costs; EPS up ~17.5% CAGR. Income case: 7.4% yield, 55 straight years of raises, ~78.6% payout, 1.27x FCF cover; beta ~0.14 dampens drawdowns. Quality and stability: Quality Score 90/100; volatility ~19.6% vs S&P 27.6%; “bond-like” cash flows in staples. Valuation: $57.26 vs fair value $62–68 (base $65); ~10.2x forward P/E and ~6.5% FCF yield imply 8–19% upside plus income. Recommendation & trade plan: Selective Buy for income portfolios; enter $55–58 (33%), add $50–54 (33%), complete $46–50 (33%); trim $68–70 then $75–78; invalidate on dividend cut, margin <50%, 2Q volume decline >4%, rati
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