Retirees Banking on Quarterly Income Choose HDV Over Growth Funds for Its Defensive Holdings

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HDV yields 3.3% and paid $4.12 per stock successful 2024 with dividend maturation averaging 5-6% annually.
Energy comprises 21.9% of the portfolio. This creates important commodity terms exposure.
SCHD offers a higher 3.8% output with stronger dividend maturation past and little vigor concentration.
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When income matters much than growth, retirees crook to funds that present quarterly checks without volatility. The iShares Core High Dividend ETF (NYSEARCA:HDV) yields 3.3%, triple the S&P 500's 1.03%. That quality translates to predictable currency travel for investors who request their portfolio to wage bills.

An infographic titled 'HDV: iShares Core High Dividend ETF' with a subtitle 'High Income, Low Volatility for Retirees'. Section 1, 'How It Works', shows a funnel graphic indicating 75 U.S. Companies screened for Dividend, Sustainability, and Financial Health. Below are 3 rounded rectangles showing assemblage allocations: Consumer Staples (23.7%), Healthcare (22.1%), and Energy (21.9%), noted arsenic 'Defensive Sectors (2/3 of Portfolio)'. An disbursal ratio of 0.08% (Low Cost) is besides listed. Section 2, 'Best Use Case', depicts 2 paths: Growth Investors (20+ yrs) are advised to 'Seek Alternatives (Higher Growth)', portion Retirees (Income Focus) find HDV 'Ideal for Predictable Cash Flow'. Key metrics are 'Yield: ~3.3%' and 'Approx. 3x S&P 500 Yield', prioritizing existent income implicit semipermanent appreciation. Section 3, 'Pros & Cons', is divided into 'PROS (Bullish)' and 'CONS (Bearish)'. Pros include: High, Consistent Yield; Lower Volatility (Defensive Focus); Low Expense Ratio. Cons include: Lower Growth Potential (vs. Tech); Energy Concentration Risk (Commodity Exposure); Modest Dividend Growth (~5-6%).

This infographic outlines the iShares Core High Dividend ETF (HDV), detailing its concern strategy, assemblage allocations, and the cardinal pros and cons for investors, peculiarly retirees seeking predictable income.

HDV tracks 75 U.S. companies screened for dividend sustainability and fiscal health. The money concentrates successful antiaircraft sectors wherever currency travel holds up erstwhile maturation stocks stumble. Consumer staples marque up 23.7% of holdings, healthcare 22.1%, and vigor 21.9%. These 3 sectors correspond two-thirds of the portfolio.

Top holdings see Exxon Mobil (NYSE:XOM) astatine 8.9%, Johnson & Johnson (NYSE:JNJ) astatine 7.1%, and AbbVie (NYSE:ABBV) astatine 6.2%. These are established dividend payers with decades of operating history. The fund's 0.08% disbursal ratio keeps costs low.

Quarterly dividends person been consistent. In 2024, HDV paid $4.115 per share. In 2025, payments totaled $3.911 done December. Over the past 3 years, dividends grew 5.7% from 2023 to 2024.

The money delivers connected its income promise. Across Reddit's dividend investing communities, HDV appears often successful status portfolio discussions. One capitalist seeking a 3% output with ostentation extortion received a straightforward recommendation: "HDV, VYM, SCHD. Then bask your life."

HDV gained astir 11% successful 2025 including dividends, recovering from an April drawdown that saw shares driblet 13% from March highs. The fund's antiaircraft positioning tends to cushion declines compared to growth-heavy alternatives.

Energy attraction creates commodity exposure. When lipid prices fall, HDV's apical holdings consciousness it. The 21.9% vigor weighting is astir treble the S&P 500's allocation, amplifying some upside and downside.

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