I Tested 13 Dividend ETFs Against Every Fed Rate Shock Since 2000 - Only 4 Held Up

Dividend ETFs do not all survive rising interest rates the same way, and the June 2026 Fed meeting just proved it. The Fed held rates high and signaled another possible hike, while a 4% money market quietly out-yielded SCHD for the first time since 2022. So I tested 13 dividend ETFs against every Fed rate shock since 2000 to answer the question everyone is asking: should I sell my dividend ETFs for a money market, or stay invested? This is the full money market vs dividend ETF breakdown, ranked worst to best by how each fund actually held up when rates rose. We work through SPYD, HDV, DIVO, and VYM (the rate-sensitive high-yield tier that bled the most), into the middle of the pack with NOBL, SGOV, SCHY, DGRW, and DGRO, and finish with the only four that truly held their ground: VIG, VOO, SCHG, and SCHD. Along the way we run the SGOV vs SCHD yield-on-cost math, the 2022 rate-shock drawdowns, and the dividend growth vs high yield split that decides which funds are actually rate-proof. In this video, you'll learn: • Why the highest-yielding dividend ETFs (SPYD, DIVO) fall hardest when interest rates rise • The SGOV vs SCHD crossover math: when a growing dividend overtakes a 4% money market • How SCHD held up on price, total return, AND a growing payout through the worst rate year in a generation • Why dividend growth beats high yield when the Fed is hiking (the quality-over-yield rule) • The 4-fund "rate-proof" shortlist and how to pair an income engine with a growth engine Which of these 13 are you holding right now? Drop the ticker in the comments and tell me if one is from the high-yield tier. Subscribe for more dividend ETF breakdowns every week. Reminder: I'm not a financial advisor and this isn't financial advice. Always do your own research. #DividendInvesting #DividendETFs #SCHD #PassiveIncome #InterestRates