Panchenko Vladimir / Shutterstock.com Quick Read High-yield savings accounts have dropped from 5.1% in March to around 4% in November as interest rates decline. Schwab U.S. Dividend Equity ETF (SCHD) offers a 3.88% yield and focuses on companies with consistent dividend growth. Vanguard High Dividend Yield ETF (VYM) holds 569 stocks including Broadcom and JP Morgan with a 2.51% yield. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans t ...