---
title: "Why retirees are choosing this $100.8 billion ETF over individual dividend stocks"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/293641924.md"
description: "The Schwab U.S. Dividend Equity ETF (SCHD), with $100.8 billion in assets, is favored by retirees for its low fees and reliable income. While its top holdings like Coca-Cola and Chevron show strong dividend coverage, Merck faces a potential patent cliff post-2028. Despite a lower current yield than Treasuries, SCHD offers total return through dividend growth and equity appreciation, appealing to investors prioritizing long-term stability over immediate high yields."
datetime: "2026-07-23T15:43:47.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/293641924.md)
  - [en](https://longbridge.com/en/news/293641924.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/293641924.md)
---

# Why retirees are choosing this $100.8 billion ETF over individual dividend stocks

Quick ReadSCHD's 3.2% yield comes from 100 screened large-caps with 10+ year dividend histories, supported by a conservative 55% fund-level payout ratio.Coca-Cola extends a 63-year dividend streak, while Merck's payout faces pressure after 2028 when KEYTRUDA's patent cliff threatens roughly half its pharma revenue.Are you ahead, or behind on retire...

### Related Stocks

- [KO.US](https://longbridge.com/en/quote/KO.US.md)
- [MRK.US](https://longbridge.com/en/quote/MRK.US.md)
- [CVX.US](https://longbridge.com/en/quote/CVX.US.md)
- [KOF.US](https://longbridge.com/en/quote/KOF.US.md)
- [CCEP.US](https://longbridge.com/en/quote/CCEP.US.md)
- [SCHD.US](https://longbridge.com/en/quote/SCHD.US.md)

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