Core Insights - The article highlights the attractiveness of certain exchange-traded funds (ETFs) that offer yields significantly higher than the S&P 500 average, which is currently at 1.2% [2][4]. Group 1: Vanguard International High Dividend Yield ETF - The Vanguard International High Dividend Yield ETF provides a yield of approximately 4%, which is more than three times the S&P 500 average [4]. - This ETF has a low expense ratio of 0.17% and focuses on international markets, with 43% of its holdings in European stocks, 26% in the Pacific region, and 22% in emerging markets [5]. - The ETF contains over 1,500 stocks, with no single stock exceeding 2% of the total portfolio, which mitigates risk associated with individual stock performance [6]. Group 2: Schwab U.S. Dividend Equity ETF - The Schwab U.S. Dividend Equity ETF focuses on U.S. dividend stocks and has around 100 stocks in its portfolio, suggesting a more selective investment approach [9][10]. - This ETF yields 3.8% and has a very low expense ratio of 0.06%, with a beta of 0.79 indicating lower volatility compared to the Vanguard fund [13]. - Despite a 1% decline this year, the Schwab ETF has generated approximately 30% returns over five years, excluding dividends, making it a solid long-term investment option [14].