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Investment Strategy2025-09-28

SCHD Dividend ETF Delivers Solid Results: Dividend Growth Strategy in the Spotlight Amid High-Rate Environment

Dividend growth ETFs like SCHD are delivering stable performance even in a high-interest-rate environment, drawing attention as core assets in income-focused portfolios. This article explores dividend investing strategies and rebalancing methods.

관리자Naver

As the high-interest-rate environment persists, dividend growth ETFs centered on the Schwab US Dividend Equity ETF (SCHD) are gaining renewed attention. SCHD invests in companies that pursue sustained dividend growth alongside attractive dividend yields, offering both inflation resilience and a steady stream of cash flow. It has emerged as a particularly compelling option for investors approaching retirement or those who need regular income, making this an ideal moment to reassess the role of dividend ETFs in an asset allocation strategy.

SCHD's Investment Philosophy and Performance Analysis

SCHD selectively invests in companies that offer high dividend yields while maintaining the financial health necessary to grow dividends over time. Rather than simply chasing the highest payout, it takes a holistic approach, evaluating dividend growth potential alongside qualitative factors such as business quality and balance sheet strength. Over the past several years, SCHD has delivered meaningful outperformance relative to the broader market, validating the case for dividend investing. When including SCHD in an asset allocation calculator, allocating roughly 20 to 40 percent of the equity portion strikes a practical balance between growth and stability. Notably, SCHD has shown relatively resilient performance during periods of elevated market volatility, serving as a defensive anchor within a broader portfolio.

The Advantage of Dividend ETFs in a High-Rate Environment

While high interest rates typically draw attention to fixed-income products such as bonds, real returns can deteriorate when inflation runs alongside elevated rates. Dividend growth ETFs like SCHD benefit from companies that can raise dividends in step with inflation, providing a measure of real income protection. Even in the current high-rate environment, dividend growth stocks continue to be viewed as a relatively attractive investment destination. SCHD concentration in defensive sectors such as utilities, consumer staples, and healthcare supports the expectation of stable performance even during periods of recession concern. Using a rebalancing calculator to periodically adjust the weighting between SCHD and growth-oriented ETFs such as QQQ or VGT is an important discipline for finding the optimal allocation as market conditions evolve.

Dividend Reinvestment and Maximizing the Power of Compounding

The cornerstone of investing in SCHD is realizing the compounding effect through dividend reinvestment. Automatically reinvesting the quarterly dividend payments can generate a substantial compounding benefit over the long term. For younger investors in particular, it is generally more advantageous to focus on asset accumulation through dividend reinvestment rather than drawing on dividend income. Investors closer to retirement can consider a hybrid strategy, using a portion of dividends for living expenses while reinvesting the remainder. As a general guideline, it makes sense to gradually increase SCHD portfolio weight with age: around 20 percent in your 40s, 30 percent in your 50s, and potentially 40 to 50 percent after age 60.

Combining SCHD with Other Dividend ETFs

Beyond SCHD, investors can build a portfolio by combining it with other dividend-focused ETFs such as SPHD for high dividend yield, VYM for broad dividend stock exposure, and DGRO for dividend growth. While SCHD emphasizes quality and growth potential, VYM offers broader diversification across dividend-paying stocks, and SPHD targets a higher current yield. Blending these ETFs appropriately can capture dividend income, growth potential, and diversification benefits simultaneously. A common starting point for a dividend-focused portfolio might be roughly SCHD at 50 percent, VYM at 30 percent, and SPHD at 20 percent. When rebalancing, it is important to compare relative performance and adjust weights accordingly while preserving the distinct characteristics of each ETF.

결론

A dividend investing strategy centered on SCHD is an effective way to pursue both stable income and long-term growth at the same time. We encourage you to use an asset allocation calculator and a rebalancing calculator to find the optimal weighting that aligns with your personal investment goals.

관련 포트폴리오

보수적 인컴 포트폴리오

SCHD 20%AGG 20%VYM 15%SPHD 10%낮음

방어적 우량주 포트폴리오

AGG 15%낮음

배당 귀족 포트폴리오

SCHD 25%VYM 20%낮음-중간

AI 최적화 인컴 포트폴리오

SCHD 33%중간
#SCHD#dividend ETF#rebalancing calculator#asset allocation calculator#income investing#dividend growth#retirement investing

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