Gold has protected wealth across centuries, but retirees face a problem that central banks never do: time is running out. A quieter corner of the bond market may offer something gold simply cannot deliver…
Not every factor that beats the market belongs in a retiree's portfolio, and choosing the wrong one at the wrong time can be costly. Two MSCI factors, however, pair remarkably well for investors living…
One of Wall Street's oldest investing strategies has been quietly beating its own benchmark for years, and there is a dirt-cheap ETF that packages the whole idea into a single ticker most investors have…
SCHD built its reputation on quality screens and reliable income, but a growing number of retirees are quietly shifting toward international dividend ETFs that offer cheaper valuations and considerably higher yields without abandoning the…
Generating enough monthly income to replace a working salary sounds straightforward until you realize a standard yield alone will not get you there. A two-ETF strategy using options income and tax-exempt bonds might close…
A $1 million Traditional IRA sounds like plenty until taxes, RMDs, and inflation start eating into it. Before age 73 forces the government's hand, building the right income foundation from three ETFs could change…
JEPI's eye-catching monthly distributions hide a tax liability that quietly erodes thousands of dollars a year for retirees who store the fund in the wrong place. One structural quirk in how JEPI generates its…
SCHD earns its reputation as a dividend investor favorite, but two lesser-known ETFs have quietly left it behind since 2022, and their outperformance comes from a source most dividend investors tend to avoid.
Social Security alone leaves most retirees short, but a $1 million portfolio invested in just two low-cost Vanguard ETFs can close that gap while keeping the IRS largely out of the picture.
Vanguard's BND dominates the bond ETF world with its rock-bottom fees, but a lesser-known Fidelity fund has been quietly piling up a bigger return for over a decade by breaking the rules index funds…
JEPI dominates retirement income conversations with a nearly 10 percent yield, but a quieter rival with a fraction of that payout has been compounding wealth faster while keeping more money out of the IRS's…
Social Security's projected trust fund depletion is forcing retirees to rethink what their portfolios actually need to carry them through the income gap before benefits begin. Three overlooked Vanguard ETFs build that bridge without…
Retirees chasing yield often hand a significant slice of their income straight to the IRS, but the account where you hold a fund can matter just as much as the fund itself. Two JPMorgan…
A $400,000 retirement portfolio sounds like a tough starting point, but the right two ETFs can turn it into a surprisingly powerful income machine without touching the principal or sacrificing tax efficiency.
I’m generally not a fan of high-yield corporate bond ETFs for retirees, and it has very little to do with credit risk. My bigger concern is taxes. Unless you hold them inside a tax-advantaged…
Preferred stocks are one corner of the market where most retail investors are better served by an ETF than by buying individual securities directly. Convenience is part of the reason, but the more important…
Investors who pay close attention to the bond market generally monitor two interest rate benchmarks above all else. The first is the federal funds rate, which influences short-term borrowing costs throughout the economy. The…
Among the many investing communities on Reddit, one that rarely gets the same attention as r/WallStreetBets is r/ThetaGang. The name comes from theta, the options Greek that measures time decay. Rather than buying speculative…
The cost of insuring against natural disasters has climbed sharply over the past decade. More people are living in coastal regions, wildfire-prone communities, and other high-risk areas, so when disasters strike, there is simply…
Master limited partnerships (MLPs) have long been favorites among income investors thanks to their pass-through structure and typically generous cash distributions. Many also own energy infrastructure assets such as pipelines, storage terminals, and processing…
