24/7 Wall St. Quick Read SPHD yields 4.71% through 50 equal-weighted stocks in defensive sectors with a 0.30% expense ratio. Top holdings include Pfizer (6.53% yield), Altria (7.04% yield with 77.9% payout ratio), and Healthpeak REIT (7.14% yield). SCHD offers 3.5% yield with stricter quality screens requiring 10+ years of dividend growth history. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than ...