What if I told you three ETFs launched this year could completely transform your retirement income? We’re talking about yields up to 6.99%—almost double what most retirees get from traditional bonds! 😲
Now, I know what you’re thinking: “High yield = high risk, right?” Stick with me—because these ETFs might just change the game for retirement investing in 2025.
Here’s the reality:
Every day, 10,000 baby boomers hit retirement age. That’s 3.6 million people every year suddenly needing their investments to pay them instead of just grow. Meanwhile, savings accounts pay less than 1%, inflation keeps eating away your purchasing power, and social security covers only about 40% of pre-retirement income.
The average retirement now lasts over 20 years, which means your money needs to work harder and longer than ever. Gone are the days when your grandmother could buy a CD paying 5% and sleep well at night. Traditional target-date funds were designed to accumulate wealth, not generate income. Individual bonds require huge sums to diversify properly, and mutual funds often charge high fees while keeping you in the dark.
This is the retirement income crisis, and it’s happening right now.
But here’s the exciting part: 2025 has brought three revolutionary ETFs that could solve these exact problems. I’ve spent weeks analyzing the data, and here’s why these three funds could be the game changers retirees have been waiting for.
1️⃣ Vanguard Government Securities Active ETF (VGVT) – The Income Leader
Launched in July 2025, VGVT delivers a 4.13% SEC yield—more than four times what a savings account pays—with an ultra-low 0.10% expense ratio for active management.
Why it matters:
89% government-backed securities—your principal is protected by the same guarantee that backs every US dollar.
212 different government securities for diversification.
Managed by decades of experienced professionals, actively optimizing yields while maintaining safety.
💰 Real-world impact: Invest $100,000 → earn $4,130/year ($344/month).
2️⃣ Vanguard Total Treasury ETF (VTG) – Your Rock-Solid Foundation
VTG is ultra-low cost, with an expense ratio of just 0.03%, tracking the entire Treasury market (278 securities from 1-year notes to 30-year bonds).
Why it’s powerful:
Complete yield curve exposure, smoothing out returns as interest rates change.
No credit risk—US Treasuries have never defaulted.
Passive tracking = pure market exposure without management risk.
💰 Save on fees: Over 20 years, low fees could mean $10,000–$20,000 extra on a $100,000 investment.
3️⃣ JP Morgan Flexible Income ETF (JLI) – High Income Generator
JLI is the income powerhouse, offering a verified 6.99% SEC yield. Launched in February 2025, it combines:
54% dividend-paying US equities with covered call strategies
36% high-yield corporate bonds
Money market holdings for stability
International exposure for diversification
💰 Invest $100,000 → earn $6,990/year ($582/month).
Yes, there’s more risk than government bonds, but the strategy uses diversification and smart income tools to balance yield and growth.
Build Your Retirement Portfolio Like a Pro
Here’s a strategic mix for different retiree profiles:
Conservative: 40% VTG, 30% VGVT, 30% JLI → ~5% blended yield, max safety.
Income-focused: 50% JLI, 30% VGVT, 20% VTG → ~5.8–8% yield, high cash flow.
Balanced: 33% each → ~5.4% yield with balanced risk.
✅ Benefits:
Higher income than target-date funds
Lower costs than most mutual funds
Diversification across assets
Full transparency: see exactly what you own daily
2025 is perfect timing: Interest rates may drop, baby boomer demand is surging, and these ETFs are designed for modern extended retirements.
Your Takeaway
VGVT: 4.13% yield, government-backed, 0.10% fees
VTG: Ultra-low cost treasury exposure, 0.03% fees
JLI: 6.99% yield, multi-asset income generation
Together, these ETFs let you earn while staying safe, reduce fees, and see exactly where your money goes.
💥 Ready to build your modern retirement portfolio and start collecting serious income? Check out Moomoo and invest in these ETFs today!
👉 Invest in these ETFs now with Moomoo
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