1. A $50,000 dividend portfolio is proposed using SCHD as the core, supplemented by high-yield stocks and funds to enhance diversification and income generation; 2. The portfolio addresses SCHD's sector gaps by adding exposure to Real Estate, Materials, Utilities, and Communication Services, improving risk-reward balance; 3. Achieves a 5.88% weighted average dividend yield and 5.56% 5-year dividend growth rate while mitigating concentration risks through broad diversification.