But then to keep the portfolio a bit safer and less volatile, especially as you get closer to retirement and definitely in retirement, you want something lower volatility and very much recessionproof.
And that's where something like SCHD or a highly value ETF comes in.
A dividend growth would be something like SCHD or maybe even dividend king stocks like Proctor and Gamble or Johnson and Johnson. Those are going to have a dividend like 3%, 4%, something of that nature. but each and every year or at least consistently they're going to be growing that dividend by a couple percentages.