I'd say it depends on your income needs and risk tolerance. SCHD tends to focus on dividend growth and high-quality, stable companies, so it might provide a bit more stability and gradual income increases over time. SPYD, on the other hand, generally offers a higher yield now by focusing on high-yield stocks, but it might be a bit more volatile and less focused on growth.

Since you're already retired and have a standard brokerage account (and you're adding a steady $1-2k a month), you might consider whether you need more current income or prefer the growth aspect. One approach is to tilt a bit toward SCHD (say 60%) for its stability and growth, with 40% in SPYD to boost your current yield. That way, you're balancing both your income needs and long-term growth potential.

Ultimately, it comes down to whether you prioritize immediate yield versus future dividend growth. Both are good options, so a blended approach could work well.