作為要退休的地主，SCHD可能是更好的選擇

Yield 3.74%, Dividend growth rate 16%. Current PE 17.74. Sharpe Ratio 0.69. Expense Ratio 0.06%. Max draw down is -33% (lower than S&P).

更適合退休人員。

It doesn't matter how you invest in it, as long as it is persist/consistant and reinvest dividends.