i-11.01.02- How to find dividend-paying stocks or ETFs using Schwab account

Here’s the insight (a deeper understanding) into how you can find dividend-paying stocks or ETFs using your Schwab account, explained in a simple and clear way — including both English and Khmer to help you fully understand.

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📘 The Insight: How to Find Dividend-Paying Stocks or ETFs on Schwab

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🔍 1. Know What You're Looking For

Before searching, you need to understand:

Term	What It Means
Dividend	A share of company profit paid to investors
Dividend-paying stocks	Companies that give cash to shareholders
Dividend ETFs	A group of dividend-paying stocks in one investment fund

➡️ These investments are great for passive income.

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🧭 2. Use the Schwab Tools

Schwab has free research tools that help you:

• Search by dividend yield
• Filter by industry, risk, and performance
• Compare ETFs and stocks easily

🧠 Insight: Schwab makes it beginner-friendly — you don’t need to be an expert.

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💻 3. Use the ETF/Stock Screener

You can go to:

• ETF Screener
• Stock Screener

There, you can:

• Select “Dividend Yield” as a filter
• Choose “U.S. Dividend Equity” or “International Dividend”
• See results ranked by yield, stability, or performance

📌 Tip: Look for Yield > 2% and large-cap companies for safer income.

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📄 4. Read the Profile Page

When you click on a result (e.g., SCHD or VYM), you’ll see:

What to Look At	Why It Matters
Dividend Yield	Shows how much money you earn per year
Ex-Dividend Date	Tells when you need to buy to get paid
Payout Schedule	Tells you if it pays monthly or quarterly
Expense Ratio	Lower is better — shows management cost

🔍 This helps you decide if it fits your goal (growth vs. income).

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🏦 In Khmer (ជាភាសាខ្មែរ)

📘 ចំណេះដឹងសំខាន់៖ របៀបស្វែងរកភាគហ៊ុន ឬ ETF ដែលបង់ប្រាក់បៀវត្សរ៍នៅលើ Schwab

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✅ 1. ត្រូវដឹងអ្វីដែលអ្នកកំពុងស្វែងរក

ពាក្យ	អត្ថន័យ
Dividend	ប្រាក់ចំណេញចែកជូនភាគហ៊ុន
Dividend-paying stock	ក្រុមហ៊ុនបង់ប្រាក់ឲ្យអ្នកវិនិយោគ
Dividend ETF	ការវិនិយោគកញ្ចប់មានភាគហ៊ុនបង់ប្រាក់ច្រើន

➡️ វាដល់សមស្របសម្រាប់ចំណូលបន្ថែម។

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🧭 2. ប្រើឧបករណ៍ស្វែងរកនៅលើ Schwab

Schwab មានឧបករណ៍ស្វែងរកឥតគិតថ្លៃ៖

• ជ្រើសដោយ Dividend Yield
• ដាក់ Filter តាម risk, industry
• ប្រៀបធៀប ETF ឬភាគហ៊ុន

🧠 ចំណេះដឹង៖ Schwab ងាយស្រួលសម្រាប់អ្នកថ្មី។

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🔍 3. ប្រើ ETF ឬ Stock Screener

ចូលទៅកាន់៖
👉 ETF Screener
👉 Stock Screener

ដាក់ជម្រើស៖

• Dividend Yield > 2%
• U.S. Dividend Equity ឬ International Dividend
• មើលក្រុមហ៊ុនធំ (Large-cap)

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📄 4. អានពត៌មានលម្អិតនៃ ETF ឬភាគហ៊ុន

ត្រូវពិនិត្យ	អត្ថន័យ
Dividend Yield	ប្រាក់ដែលអ្នកទទួលក្នុង 1 ឆ្នាំ
Ex-Dividend Date	ត្រូវទិញមុនថ្ងៃនេះដើម្បីទទួលបានប្រាក់
Schedule	បង់ចេញក្នុង 1 ខែ ឬ 3 ខែម្ដង
Expense Ratio	ថ្លៃគ្រប់គ្រង (ល្អប្រសើរនៅតិច)

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🎯 Final Insight

• Dividend ETFs like SCHD, VYM, HDV are simple to start with.
• Schwab makes it easy to search, learn, and invest.
• You can even set up automatic investing ($100/month) to build income step-by-step.

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Do you want me to help you choose one ETF to start with today based on your income goal? 😊

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