Do Not Retire Without Owning These 3 Dividend ETFs

Core Viewpoint - The article emphasizes the importance of including specific dividend ETFs in retirement portfolios to maximize returns while managing risk effectively [2][3]. Group 1: Schwab US Dividend Equity ETF (SCHD) - SCHD has shown a strong performance in 2026, rising 5.2% year-to-date after a four-year period of underperformance [4][8]. - The ETF offers a dividend yield of 3.59% and has a low expense ratio of 0.06%, making it a preferred choice for retirees [5][8]. - SCHD is considered the gold standard for retirees due to its ability to provide both growth and income without excessive risk [5]. Group 2: Amplify CWP Enhanced Dividend Income ETF (DIVO) - DIVO is designed to provide an amplified yield while managing risk through the responsible use of covered calls [6][7]. - The ETF generates income from dividends and premiums from selling covered call options, holding a portfolio of 30 to 40 stocks [7]. - DIVO allocates 7% to 20% of its portfolio for covered calls, allowing it to capture more upside potential [7]. Group 3: iShares 20+ Year Treasury Bond ETF (TLT) - TLT offers a monthly yield of 4.42% and serves as a hedge against recession, attracting investors during periods of rate cuts by the Federal Reserve [8].