The brand-new iPhone Air has “virtually no demand,” and production is being cut just weeks after launch.

Titanium frame. Bigger display. Record price tag.

None of it moved the needle.

Because the next tech revolution isn’t about hardware anymore.

It’s about how the device makes you money.

That’s where Mode Mobile comes in.

Instead of paying $1,200 for the newest iPhone, millions are earning from the phones they already own.

Mode flips the script and pays users for their screen time and data engagement.

The disruptive business model turned Mode into a tech darling:

• $75M+ in revenue
• Named North America’s #1 fastest-growing software company by Deloitte
• Backed by 56,000+ investors
• $62M+ raised
• Share price up 92% this year alone

All before going public.

While Apple cuts production, Mode is scaling globally.

With Nasdaq ticker $MODE secured, accredited investors can get pre-IPO shares for just $0.50 (plus up to 120% bonus).

Click here for full details

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Today’s Featured Story

These 3 Dividend ETFs Offer Yield, Quality, and Diversification

Written by Nathan Reiff. Published 10/27/2025. 

Key Points

• Dividend ETFs provide investors the protection of diversification while also balancing passive income and growth potential.
• DVY, SDY, and SCHD are among the most prominent funds in the dividend ETF space.
• SCHD is the cheapest among these funds but also the most concentrated; DVY and SDY take different approaches to screening for high-quality dividend names based on history and other factors.

It’s no wonder that dividend stocks are considered a strong defensive play — passive income becomes especially attractive when a downturn is possible. But what happens when a dividend-paying company faces challenges and must reduce or eliminate its payout? Monitoring metrics like the dividend payout ratio can help manage that risk, but for many investors the most practical protection is diversification.

Fortunately, getting diversified exposure to dividend-paying companies is straightforward through several exchange-traded funds (ETFs) focused on the space. However, not all dividend ETFs are the same, and it’s important that a fund’s holdings provide enough breadth to complement an investor’s broader portfolio. Below is a closer look at three leading dividend ETFs worth considering.

High-Quality Dividend Stock Basket Spread Across a Variety of Sectors

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The iShares Select Dividend ETF (NASDAQ: DVY) is the oldest ETF on this list, with roughly 22 years of history tracking an index of multi-cap value stocks that pay dividends. To qualify for inclusion, a company must have at least a five-year history of distributions. Stocks are evaluated on metrics such as dividend yield and dividend-per-share growth.

The result is a pool of roughly 100 stocks that offers diversification along with a consistent record of strong dividend payments. DVY is not highly concentrated, providing relatively even exposure across its holdings, although the top 10 positions account for close to 20% of assets. Utilities stocks make up the largest share at more than 26% of the portfolio, with financials representing about another quarter; consumer staples, consumer discretionary, materials and other sectors also appear in the mix.

DVY’s portfolio is smaller than those of several other prominent dividend ETFs, which may appeal to investors seeking a narrower focus on high-quality names with a proven dividend track record. Its expense ratio of 0.38% is somewhat higher than some alternatives.

Strict Dividend History Requirements Characterize SDY’s Portfolio Approach

While DVY requires at least five years of dividend history, the SPDR S&P Dividend ETF (NYSEARCA: SDY) requires companies to have at least 20 years of dividend increases for inclusion. That standard tends to favor well-established firms and can help ensure exposure to companies that have delivered both capital growth and rising income over time. As a result, SDY’s holdings are often concentrated in sectors such as industrials, consumer staples and utilities.

SDY’s portfolio is roughly 50% larger than DVY’s, with about 150 positions. Assets are fairly evenly distributed across those names, with the top 10 holdings representing about 19% of the fund. SDY’s criteria and yield-focused ranking favor large-cap stocks, which make up more than 83% of the portfolio. The fund’s expense ratio is similar to DVY’s at 0.35%.

Large and Liquid Fund With a Low Cost But High Concentration

With over $70 billion in assets, the Schwab US Dividend Equity ETF (NYSEARCA: SCHD) is among the largest and most popular dividend funds. Its one-month average trading volume of nearly 18 million shares makes it highly liquid. SCHD’s low cost is a major draw — its annual expense ratio is just 0.06%, putting it near the cheapest ETFs available.

In addition to dividend history, SCHD screens for financial strength, producing a portfolio of roughly 100 names skewed toward energy, consumer staples and healthcare. While SCHD offers many advantages — low fees, liquidity and a focus on financially sound companies — it is notably more concentrated than DVY or SDY: the top 10 positions make up more than 41% of assets. That concentration can increase risk if any of those large holdings experience volatility or dividend pressure.

Each of these ETFs offers a different trade-off among yield quality, diversification, concentration and cost. DVY emphasizes a long track record of payouts across a diverse, multi-cap set; SDY demands decades of dividend increases and leans toward large, established firms; SCHD combines strong fundamental screens, very low costs and exceptional liquidity but with higher concentration. Investors should consider which mix of factors best fits their income goals, risk tolerance and tax situation before choosing a fund, and remember that combining multiple approaches can further reduce single-stock or sector risk.

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Mode Mobile recently received their ticker reservation with Nasdaq ($MODE), indicating an intent to IPO in the next 24 months. An intent to IPO is no guarantee that an actual IPO will occur.

The Deloitte rankings are based on submitted applications and public company database research, with winners selected based on their fiscal-year revenue growth percentage over a three-year period.

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