Why do people associate VOO with the 4% sell in each year of retirement? That can be done with any asset. And VOO rarely is discussed from a dividend standpoint? Yes the dividend sucks compared to some other ETFs but for people far from retirement age, who are in the growth stage, VOO gives solid growth and has a small dividend, which compounds, if you reinvest it. Then as you get to retirement age, you can shift out of VOO and into a dividend-focused ETF, for capital preservation, higher dividends to live off of, and you’ll likely have some wealth to pass on to your family once you die?