Frankly, Retirement Is Easy With These Three ETFs

Core Insights - The article emphasizes the importance of a balanced investment strategy for retirement, focusing on both short-term and long-term income generation through diversified portfolios, particularly using exchange-traded funds (ETFs) [1] ETF Overview - There are numerous ETFs available, and selecting the right one is crucial for achieving retirement goals. Most ETFs track benchmark indices and provide a cost-effective investment option [2] - Three recommended Vanguard ETFs for retirement include Vanguard High Dividend Yield ETF (VYM), Vanguard Total Stock Market Index ETF (VTI), and Vanguard S&P Growth Index Fund ETF (VOOG) [2] Vanguard High Dividend Yield ETF (VYM) - VYM offers a yield of 2.39% with $81.3 billion in assets, investing in over 500 dividend stocks [3][4] - The fund has a low expense ratio of 0.06% and is heavily invested in the financials sector (21.10%), followed by technology (14.10%) and industrials (13.50%) [5] - VYM's top holdings include major dividend-paying companies such as Johnson & Johnson, Walmart, and Procter & Gamble, and it has a 19-year track record, making it suitable for income-focused investors [5] - In 2025, VYM gained 13.48% and is currently trading at $144, indicating potential for further growth [6] Vanguard Total Stock Market Index Fund ETF (VTI) - VTI aims to track the CRSP US Total Market Index, featuring a low expense ratio of 0.03% and a yield of 1.09% [7] - The fund has achieved a cumulative 3-year return of 72.02% and a 5-year return of 93.17%, showcasing strong performance [7]