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Claiming Social Security at 62 while still working triggers a little-known penalty that can gut your benefits before you ever see them. Investment income plays by a completely different set of rules, and three ETFs exploit that gap to keep cash flowing without the SSA touching a cent.
Designed to provide broad exposure to the Large Cap Value segment of the US equity market, the First Trust Rising Dividend Achievers ETF (RDVY) is a passively managed exchange traded fund launched on January 7, 2014.
The Social Security Administration confirmed a 2.8% cost-of-living adjustment for 2026, which works out to roughly $56 a month for the average retiree.
The paperwork is still pending, but the math is already clear. The 2026 Social Security COLA came in at 2.8%, and the CPI-W readings that will set the 2027 raise are trending softer, with the index falling to 327.075 in June 2026 from a May peak of 328.829.
Avior Wealth Management LLC cut its holdings in First Trust Rising Dividend Achievers ETF (NASDAQ: RDVY) by 30.5% in the undefined quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The institutional investor owned 69,327 shares of the company's stock after selling 30,407 shares during the
Schwab U.S. Dividend Equity ETF (SCHD) and First Trust Rising Dividend Achievers ETF (RDVY) are 2 ETFs that are seemingly designed to provide a trend of growing dividends. Since the launch of RDVY, it has been able to provide higher total returns, which really came from the last handful of years when it began to pull away. SCHD's focus on value, quality, and consistent dividend growth—with a 3.3% yield and 14 years of increases—could make it preferable for income-focused investors.
This ETF uses a similar strategy but has outperformed the Schwab U.S. Dividend Equity ETF (SCHD) by 3 percentage points annually over the past decade.
A smart beta exchange traded fund, the First Trust Rising Dividend Achievers ETF (RDVY) debuted on 01/07/2014, and offers broad exposure to the Style Box - Large Cap Value category of the market.