Quick Read
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Three ETFs can fund a 30-year retirement without redundant overlap: VTI for growth, SCHD for rising income, and SPYI for monthly cash.
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SCHD’s dividend-growth screen has delivered 234% over 10 years, making it a built-in inflation hedge as quarterly payouts rise over time.
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Retired investors should tilt toward SCHD and SPYI for income while keeping VTI near 30% to sustain growth across a multi-decade drawdown.
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A retirement portfolio built on fifteen mutual funds is redundant, not diversified. Three ETFs, chosen for jobs that do not overlap in purpose, can carry a retiree from the last…
