VTV is an excellent investment for high value and low volatility with lower dividends, suitable as a stable cash flow ETF in a diversified portfolio.

If you want an investment with lower dividend payouts, but still high value and very low volatility, the VTV fund, Vanguard's value fund, is an excellent opportunity.

So, the best three-fund portfolio in the world, in my opinion, is a basic ETF like VOO or VTI, a safe and stable cash flow ETF like SCHD or maybe VTV, and a slightly higher-yielding, slightly higher-risk growth ETF like SCHG, QQQM, or VUG.

I still add to it in my Roth account, and in the taxable portion, I add VTV as I mentioned earlier in this video . I add VTV as I mentioned earlier in this video . It is still a value ETF with a very low beta, which keeps that part safe, but its earnings are roughly half of SCHD's, so I don't pay exorbitant taxes on it.