The hardest part of retirement investing isn't picking stocks or timing the market - it's resisting the urge to do either. iShares Core S&P Total U.S. Stock Market ETF (NYSEARCA:ITOT) solves this by offering exposure to the entire U.S. equity market in a single position, charging just 0.03% annually, and requiring no ongoing decisions beyond occasional rebalancing with bonds. What ITOT Actually Does in a Retirement Portfolio
Saving money for retirement isn't enough. Sure, it's a stepping stone to success. But to accumulate a respectable amount of money for retirement, you need to do more than just keep building cash. You should plan to invest your money so it's able to grow over time. Remember, inflation is apt to erode the value of money over time. So you need to invest your retirement savings in a manner that can outpace it.
The JPMorgan Nasdaq Equity Premium ETF ( NASDAQ:JEPQ) is a case study in higher yields not always being better for investors. On the surface, JEPQ's 9.96% SEC yield looks like a compelling opportunity for investors. If you invest $100,000 into the fund, you will receive $9,960 in annual cash flow. Most dividend stocks and funds can't keep up with that type of yield.