3 Monthly-Paying Dividend ETFs Perfect for Retirement Income

Group 1 - After over a decade of ultra-low yields, retirees are finding comfort in Treasuries yielding sub-5% interest rates, leading many investors to lock in that rate [1] - Stocks have a historical tendency to outperform Treasuries in the long term and provide better protection against inflation [1] - Futures markets are anticipating one more Federal Reserve rate cut in December 2025, which may lead to a rotation back into income equities [2][6] Group 2 - Monthly dividend ETFs are highlighted as a suitable investment during economic slowdowns, as they are anchored by reliable cash flow from real businesses [2] - The Amplify CWP Enhanced Dividend Income ETF (DIVO) offers exposure to high-quality dividend stocks with a low beta and generates a yield of 4.63% through covered calls [4][6] - DIVO's top holdings include blue-chip companies such as IBM, Microsoft, and Apple, with a strategy that caps individual stock exposure at around 8% and sector exposure at no more than 25% [5][6] Group 3 - DIVO has a 0.56% expense ratio, reflecting the active management involved in its covered-call strategy, which is justified by the safety and yield it provides [7] - PFF, another investment option, offers a higher yield of 6.36% and trades at a 20% discount, focusing on preferred shares from financials and REITs [6]