3 Low Cost ETFs Built for Long Term Retirement Income

分组1: Vanguard Real Estate ETF - The Vanguard Real Estate ETF (VNQ) provides exposure to the real estate sector through a diversified basket of REITs, offering a current yield of 3.75% and an annual dividend of $3.47 per share [1] - The fund's payout ratio is 125.48%, which is typical for REIT-focused portfolios as they are required to distribute most of their taxable income to shareholders [6] - The ETF's dividend growth is modest at 1.12%, reflecting the stable nature of real estate income [7] 分组2: SPDR Portfolio S&P 500 High Dividend ETF - The SPDR Portfolio S&P 500 High Dividend ETF (SPYD) yields 4.36% with an annual payout of $1.96, paid quarterly [8] - This ETF employs an equal-weight approach to its holdings, reducing concentration risk across high-yield sectors [9] - The payout ratio of 68.59% indicates that underlying companies have room to maintain and grow their dividends, with a growth rate of 5.01% providing inflation protection [10] 分组3: Schwab US Dividend Equity ETF - The Schwab US Dividend Equity ETF (SCHD) has a current dividend yield of 3.63% and an annual dividend of $1.05 per share, focusing on companies with strong fundamentals and consistent dividend histories [12] - Its payout ratio of 57.89% is the lowest among the discussed ETFs, suggesting a conservative approach that allows for reinvestment while rewarding shareholders [13] - The ETF's dividend growth rate is 5.35%, beneficial for retirees seeking income that keeps pace with rising costs [14]