What if I told you that three ETFs launched just this year could completely change how retirement income works?
Not 20 years ago.
Not “back in the good old days.”
Right now — in 2025.
We’re talking about yields as high as 6.99%, nearly double what most retirees earn from traditional bonds.
Sounds risky?
That’s exactly what most people think.
But stay with me — because these ETFs are rewriting the rules of retirement investing.
🚨 The Retirement Crisis Nobody Wants to Talk About
Every single day, 10,000 baby boomers retire.
That’s 3.6 million people every year who suddenly need their money to pay them, not just grow.
Here’s the brutal reality:
Savings accounts pay less than 1%
Inflation keeps eating purchasing power
Social Security replaces only ~40% of pre-retirement income
Retirement now lasts 20–30 years
Your grandparents could lock money into a 5% CD and sleep peacefully.
Those days? Gone.
Target-date funds were built for accumulation, not income.
Individual bonds require massive capital to diversify properly.
Mutual funds charge high fees — and barely tell you what you own.
This is the retirement income crisis.
But here’s the good news 👇
🚀 2025’s Breakthrough: 3 ETFs Built for Income (Not Hope)
After weeks of analysis, data checks, and yield verification, three new ETFs stand out as potential game-changers for retirees and income investors.
Let’s break them down — simply.
🛡️ ETF #1: Vanguard Government Securities Active ETF (VGVT)
“The Income Leader”
Launched: July 2025
SEC Yield: 4.13%
Expense Ratio: 0.10%
This ETF proves that government-backed income is making a comeback.
Why VGVT is special:
89% invested in U.S. government-backed securities
Backed by the full faith and credit of the U.S. government
212 different holdings for diversification
Actively managed by seasoned Vanguard professionals
Let’s put this into real numbers:
Invest $100,000 → Earn ~$4,130/year
That’s $344 every month, paid with government-level safety.
Safe. Liquid. Reliable.
🧱 ETF #2: Vanguard Total Treasury ETF (VTG)
“The Rock-Solid Foundation”
Expense Ratio: 0.03% (Yes, that’s real)
VTG gives you full exposure to the entire U.S. Treasury market:
278 Treasury securities
Short-term notes to 30-year bonds
Zero credit risk
Ultra-high liquidity
Why this matters:
U.S. Treasuries trade over $500 billion daily
Perfect for stability during market uncertainty
Low fees mean more money stays in your pocket
Over a 20-year retirement, saving just 0.5% in fees could mean $10,000–$20,000 extra on a $100,000 portfolio.
In retirement, every dollar matters.
💰 ETF #3: JPMorgan Flexible Income ETF (JFLI)
“The Income Powerhouse”
SEC Yield: 6.99%
Launched: February 2025
This is where income gets exciting.
JFLI doesn’t rely on just bonds — it builds a multi-asset income engine:
54% dividend stocks + covered calls
36% high-yield corporate bonds
Money market & global exposure
483 total holdings
What does 6.99% really mean?
$100,000 invested → ~$6,990 per year
That’s $582 per month flowing into your account.
Yes, there’s more volatility — but you’re being paid generously while you wait.
🎼 The Secret Sauce: Combining All Three
When used together, these ETFs work like a retirement income symphony.
🔒 Conservative Portfolio
40% VTG
30% VGVT
30% JFLI
➡️ ~5% blended yield with maximum safety
💸 Income-Focused Portfolio
50% JFLI
30% VGVT
20% VTG
➡️ ~5.8–6%+ income potential
⚖️ Balanced Portfolio
33% each
➡️ ~5.4% yield with diversified risk
Higher income than target-date funds.
Lower costs than mutual funds.
More transparency than traditional investments.
⏰ Why 2025 Is the Perfect Moment
Three mega-trends are colliding:
1️⃣ Potential rate cuts → bond prices may rise
2️⃣ Mass retirement wave → huge demand for income ETFs
3️⃣ Smarter ETF design → built for long retirements
These aren’t your grandfather’s bond funds.
They’re modern solutions for modern retirement problems.
🚀 Ready to Invest in These ETFs?
If you want an easy, powerful platform to buy ETFs like these, I’m using moomoo.
👉 Open a moomoo account here
🔗 https://j.moomoo.com/0xFRE4
Why moomoo?
Low fees
Advanced ETF tools
Real-time data
Beginner-friendly & powerful for pros
💡 Your future self will thank you for starting today.
⚠️ Disclaimer
This content is for educational purposes only and is not financial advice. Past performance does not guarantee future results. Always do your own research or consult a licensed financial advisor before investing.
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