

A pension check that freezes the moment you retire quietly loses ground every year as prices climb around it. Three funds approach this problem from different angles, and how you combine them changes everything.

Launched on November 8, 2005, the State Street SPDR S&P Dividend ETF (SDY) is a passively managed exchange traded fund designed to provide a broad exposure to the Large Cap Value segment of the US equity market.


Designed to provide broad exposure to the Style Box - Large Cap Value category of the market, the State Street SPDR S&P Dividend ETF (SDY) is a smart beta exchange traded fund launched on 11/08/2005.

Retiring at 66 with a portfolio you hand-picked feels like an achievement until one board vote wipes out a quarter of your annual income overnight.

A 40-year retirement puts two demands on an income portfolio that most dividend funds only half-answer, and choosing the wrong ETF can mean watching your real purchasing power quietly erode while the quarterly checks keep arriving on schedule.

The State Street SPDR S&P Dividend ETF could be the ideal dividend fund if the U.S. economy cools.

In an environment marked by the Fed's first rate hike in three years and ongoing market uncertainty, income-focused investors face a unique dilemma. While cash alternatives offer attractive yields in the short-term horizon, they leave portfolios vulnerable to reinvestment risk should the Fed decide to pivot once inflation is under control.