The Dividend ETFs Turning 4 Percent Yields Into Real Retirement Income

Core Insights - The finance world is shifting towards dividend income as a practical strategy for retirement income, especially as traditional savings accounts and bonds become less reliable [2][3] - High-quality dividend ETFs are not only for wealth growth but can also provide substantial retirement income with manageable risk [3][5] Group 1: Dividend ETFs as Retirement Income - Dividend ETFs are recognized for creating a steady and predictable income stream, addressing the challenges posed by falling interest rates and market volatility [2][4] - Ideal dividend ETFs typically offer yields of 4% or more, focusing on companies with established earnings, strong balance sheets, and clear cash flow [4][5] Group 2: Specific ETF Examples - Vanguard Real Estate ETF (VNQ) has a dividend yield of 3.92%, providing an annual dividend of $3.53 per share, which translates to $3,530 annually for 1,000 shares [6][7] - JPMorgan Equity Premium Income ETF (JEPI) offers a higher yield of 8.20% with monthly payments of approximately $0.37 per share [7] - NEOS Nasdaq 100 High Income ETF (QQQI) delivers a significant yield of 13.59% through exposure to the Nasdaq 100 combined with options strategies [7]