What if you stopped watching the stock price and started watching the paycheck?

SCHD — the Schwab U.S. Dividend Equity ETF — has delivered something investors looking for retirement income should pay attention to: rising dividends over time.

From 2015 to 2025, SCHD's annual dividend per share increased from roughly $0.38 to $1.05 — a significant increase in the income generated by the same shares.

And what's especially interesting is what happened during difficult markets.

In 2020, during the COVID crash, SCHD's dividend increased. In 2022, while inflation surged and markets struggled, its dividend increased again.

In this video, Jarrod Adams breaks down:

• SCHD's dividend growth from 2015–2025

• Why dividend growth can matter more than short-term price movements for retirement income

• What happened to the dividend during the 2020 market crash

• How rising dividends compared with inflation

• What a hypothetical $1 million investment could have produced in dividend income

• Why reinvesting dividends before retirement can potentially create a larger future income stream

The bigger lesson isn't necessarily "buy SCHD."

It's understanding the difference between watching the price and building an income-producing portfolio designed to support your retirement goals.

If you're interested in investing, retirement income, dividend growth, and building wealth with a long-term mindset, subscribe to Jarrod Adams Investing.

⚠️ IMPORTANT DISCLOSURE This is educational information only—NOT personalized financial advice. Past performance ≠ future results. Individual circumstances vary significantly. Before making financial decisions, consult a qualified advisor who can review your complete picture. Jarrod Adams Investing is a fee-only, fiduciary RIA registered in NC. Charles Schwab is our custodian. Questions: jarrod@adamsinvesting.comwww.adamsinvesting.com Jarrod Adams Investing LLC