Why These 2 ETFs Could Redefine Retirement Income in 2026

Core Insights - Retirement planning is rapidly evolving due to concerns over Social Security shortfalls and rising healthcare costs, necessitating immediate attention to income potential for those nearing retirement [2] - Traditional retirement strategies focusing on bonds, stocks, drawdowns, and cash reserves are becoming outdated, as cash loses purchasing power and bonds offer lower yields [4][5] Investment Strategies - The new approach to retirement income blends income generation with long-term market participation, utilizing ETFs that provide structured monthly payments while allowing for portfolio growth [6] - The JPMorgan Equity Premium Income ETF (JEPI) is highlighted for its reliability, focusing on high-quality US stocks and enhancing monthly income through options, yielding 8.38% with a year-to-date return of 5.83% in 2025 [7][8] - The Vanguard Total Stock Market ETF (VTI) offers a lower yield of 1.16% but has delivered a total return of 15.26% in 2025, indicating a potential for growth despite lower immediate income [8]