High-yield savings accounts have dropped to around 4% from 5.1% in March. Schwab U.S. Dividend Equity ETF offers a 3.88% yield, while Vanguard High Dividend Yield ETF holds 569 stocks with a 2.51% yield. Learn about different wealth-building strategies to avoid financial struggles. Cash investors are facing challenges as interest rates decline, with ETFs becoming more attractive for better returns. As interest rates fall, high-yield savings accounts struggle to maintain above 4% yields. Analysts predict rates may drop to 3.5% if the Fed cuts rates further. Consider dividend ETFs for competitive yields and potential growth over time. ETFs offer consistent passive income and inflation protection compared to cash accounts. Dividend ETFs bridge the gap between cash safety and equity growth with ample diversification. ETFs historically outperform cash rates and pay regular dividends, changing the investing mindset. Dividend ETFs provide an opportunity for consistent passive income and growth potential, especially for retirees. Schwab U.S. Dividend Equity ETF offers a 3.88% dividend yield, while Vanguard High Dividend Yield ETF provides a 2.51% yield. Both ETFs focus on companies with consistent dividend growth. Cash still has a place, but income ETFs offer better returns with stable companies and healthy balance sheets. Transitioning from cash to dividend ETFs early can generate consistent passive income for the future.

Read more at Yahoo Finance: Dividend Investors Are Rotating out of Cash and into These ETFs