Imagine this… what if $500,000 could generate $28,460 every single year without touching your principal? That’s $2,372 hitting your account every month, like clockwork. Sounds impossible, right? But it’s not.
While most retirees scramble with low-yield bonds or gamble on risky stocks, there are two dividend machines quietly building wealth for millions: SCHD and JPI – a combined $110 billion in assets. Today, I’m breaking down why these are the only two income ETFs you’ll ever need for a worry-free retirement.
🔹 The Retirement Reality Check
Let’s be real. Social Security replaces maybe 40% of your income. Pensions? They’re disappearing. Bonds? Sure, 4–5%, but inflation is eating that alive. You need real, growing income without losing sleep over market crashes.
Enter SCHD and JPI – your dynamic retirement duo.
1️⃣ SCHD – The Conservative Powerhouse 💪
SCHD (Schwab US Dividend Equity ETF) is like the Batman of dividend ETFs – reliable, steady, and consistently crushing it since 2011.
$69 billion in assets – one of the largest dividend ETFs in the world
Owns 103 of America’s top dividend-paying companies like Cisco, Coca-Cola, PepsiCo, Merck
Charges just 0.06% annually – less than your monthly coffee habit
Pays $3.92% yield – that’s $392 annually on $10,000 invested
💡 Bonus: These dividends grow every year, keeping pace with inflation. That $392 today could become $700 in 20 years.
📈 Performance? Over the last 10 years, SCHD delivered 12.24% annualized returns. Even when 2025 slowed down, quarterly dividends kept rolling in, no matter the market swings.
2️⃣ JPI – The High-Tech Income Machine ⚡
If SCHD is Batman, JPI (JP Morgan Equity Premium Income ETF) is Iron Man – aggressive, high-tech, and full of firepower.
$41 billion in assets since launching in 2020
8.35% yield with monthly payouts – yes, 12 deposits per year
Owns top stocks like Nvidia, Microsoft, Amazon, Meta, Alphabet
Uses covered call options to generate extra income
💰 Imagine investing $10,000 and getting $70 every single month, rain or shine. JPI combines dividends + options premiums, giving you big income without extreme volatility.
Performance highlights:
3-year annualized return: 12.99%
Beta: 0.56 – half as volatile as the market
Yes, fees are higher at 0.35%, and monthly payouts are taxed differently, but the cash flow is incredible.
⚡ The Ultimate Retirement Strategy – SCHD + JPI Combo
You don’t have to choose one. These ETFs complement each other perfectly:
SCHD: Stable, growing dividends, low fees, quarterly payouts
JPI: High current income, monthly payouts, smooth ride
Example with $500,000:
$300,000 in SCHD → $11,760/year
$200,000 in JPI → $16,700/year
✅ Total: $28,460/year → $2,372/month
✅ Blended yield: 5.69%
✅ Diversified income from two different sources
Want maximum balance? Try a 50/50 split for $30,700/year → $2,558/month.
2025 is actually the perfect time: falling interest rates make dividends attractive, the AI boom fuels JPI, and SCHD provides recession-proof stability.
⚠️ Quick Reminder
This isn’t financial advice – always check your own goals and risk tolerance. But the data doesn’t lie:
SCHD: 14-year track record, 12.24% annualized returns
JPI: 5-year track record, 11.61% since inception
Two ETFs. $110 billion. Reliable, growing income. Retirement made simple.
🔥 Ready to start collecting dividends like clockwork?
Tap into these ETFs today with Moomoo – the easiest way to invest smartly and start generating passive income:
👉 Invest in SCHD & JPI with Moomoo
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