1. The Schwab U.S. Dividend Equity ETF (SCHD) has been a solid choice for dividend investors but has underperformed the tech-heavy S&P 500 since 2020. 2. The iShares Core MSCI US Quality Dividend Index ETF is recommended for 2024 due to its lower volatility and sector concentration in defensive stocks. 3. XDU offers better risk-adjusted returns with financial screens and sector arrangement, possibly making it ideal for a lower inflation, deflationary environment.