Jack_the_sparow / Shutterstock.com Quick Read Fidelity High Dividend ETF (FDVV) returned 14.97% including dividends over the past year. FDVV has 26% tech exposure versus 35% for the S&P 500. Vanguard REIT (VNQ) offers a 3.92% yield and could benefit as lower interest rates make REITs more attractive. Schwab Dividend ETF (SCHD) has been rangebound for 4 years due to low tech exposure at 9.7% of holdings. If you’re thinking about retiring or know someone who is, there are three quick questions causi ...