Quick Read Schwab Dividend ETF (SCHD) yields 3.81% and generates $19,000 annually from $500,000 without selling shares during downturns. SCHD provides income regardless of market conditions. The S&P 500 gained 16.8% but requires liquidating shares to access funds. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. When Social Security covers only half your retirement spending, the other half must come ...