The 4% rule has survived three decades, two market crashes, and a pandemic. It hasn’t survived 2026. William Bengen, the financial planner who created the rule in 1994, just raised his own number to 4.7%. Morningstar’s 2026 research says the safe rate is actually 3.9%. That’s a 20% disagreement between two of the most cited … Read more
What Is SCHD? 100 hand-picked U.S. dividend stocks screened for quality, cash flow, and growth history. ~$84B AUM · 0.06% ER · 3.35% Yield · Quarterly This SCHD ETF review covers 11 years of real performance data for the most popular dividend ETF on the planet. Over $84 billion in assets. A 3.35% yield that’s … Read more
JEPI yields 8%. SCHD yields 3.4%. Sounds like an obvious choice — until you check what happened to the money. Since JEPI launched in May 2020, $10,000 in SCHD grew to roughly $22,760 with dividends reinvested. That same $10,000 in JEPI? About $19,260. The JEPI vs SCHD total return gap: $3,500 in SCHD’s favor — … Read more
$10,000 in DGRO ten years ago is worth about $34,400 today. That same $10,000 in SCHD? Roughly $30,400. Four grand difference. Two “dividend ETFs.” And the SCHD vs DGRO debate barely gets mentioned compared to the usual SCHD vs VOO argument. SCHD gets all the love on Reddit — higher yield, Schwab brand, borderline cult … Read more
