I planning buying SPHD, MAIN, O, SGOV. Do I need VTI or SCHD? I have SCHD in my brokerage account with 7 shares. I planning investing $300 a month but is $150 split in a month. Do I need any other ETF that’s pay monthly? Where should I allocate the $150 in to? I have 20-30 yesss to retire early.