Core Insights - The article emphasizes the importance of investing in exchange-traded funds (ETFs) for generating dependable passive income, especially for investors preparing for retirement in 2025 [2][3] ETF Overview - ETFs trade on major exchanges like stocks and can include a variety of financial assets such as stocks, bonds, and commodities [2] - High-yield monthly pay ETFs are highlighted as a means to complement Social Security and pension payments, particularly in a rising market environment [5] Specific ETF Recommendations - **JPMorgan Equity Premium Income ETF (JEPI)**: - Dividend yield of 8.42% paid monthly - NAV of $56.83 - Expense ratio of 0.35% [4] - **JPMorgan Nasdaq Equity Premium Income ETF (JEPQ)**: - Up nearly 15% since inception - Offers a higher yield with more technology exposure [4] - **Global X U.S. Preferred ETF (PFFD)**: - Dividend yield of 11.13% paid monthly - NAV of $57.28 - Expense ratio of 0.35% [8] - **Global X SuperDividend REIT ETF (SRET)**: - Dividend yield of 6.33% paid monthly - NAV of $19.52 - Expense ratio of 0.23% [9] - **iShares National Muni Bond ETF (MUB)**: - Dividend yield of 3.13% paid monthly - NAV of $106.15 - Expense ratio of 0.05% [10] - **Global X NASDAQ 100 Covered Call ETF (QYLD)**: - Dividend yield of 11.14% paid monthly - NAV of $17.05 - Expense ratio of 0.60% [11] Market Context - The article notes that with the stock market at all-time highs, allocating capital to lower-risk income ETFs is advisable [5] - It also mentions the potential for interest rates to drop, which could benefit high-yield investments moving into 2026 [5]