The Only 2 Vanguard ETFs Retirees Need for Growth and Income in 2026

"The Vanguard Wellesley Income Fund Investor Shares (VWINX) has delivered a strong 9.17% annualized return since inception, before taxes, making it a solid choice for retirees."

"The equity sleeve focuses on companies with above-average dividend yield and growth, screened down to a portfolio of fewer than 100 names with reasonable valuations."

"The bond side primarily holds investment-grade corporate bonds across short, intermediate, and long durations, contributing to the fund's conservative, income-oriented portfolio."

"You can replicate a very similar strategy using ETFs, potentially outperforming Wellesley while maintaining a similar risk and return profile, largely thanks to lower fees."

The Vanguard Wellesley Income Fund Investor Shares (VWINX) has delivered a 9.17% annualized return since 1970, with one-third in stocks and two-thirds in bonds. The fund focuses on high dividend yield and growth stocks, while the bond allocation consists of investment-grade corporate bonds. With a 3.5% SEC yield and a low expense ratio, it is a conservative option. However, the minimum investment may be a barrier. A similar strategy can be achieved using ETFs, potentially outperforming Wellesley due to lower fees.

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