1% interest beats a 4% dividend on a stock that's down 5%. Dividend payers don't offer much protection against market risk. And with an uncertain future, there's always risk of a dividend cut, even with companies that you may deem to be "safe." Look at Ford (F). 6% dividend cut to zero. Just one example of many.
Vanguard High-Dividend Yield - ETF is a name I reckon. But you could also consider investing in forex as an option since you are new to trading. Think it’s more safe.