by Ian Cooper

If you’re thinking about retirement, nearing retirement, or already enjoying it, one concern tends to rise above the rest: reliable cash flow.

One of the most effective ways to accomplish that is through passive income combined with long-term growth. Exchange-traded funds (ETFs), particularly those offered by Vanguard and other major providers, make this approach both accessible and cost-efficient.

Below are three yielding funds that stand out for income-focused investors looking to protect their portfolios while generating steady cash flow.

JPMorgan Nasdaq Equity Premium Income ETF (JEPQ)

One of the most compelling income-focused ETFs on the market today is the JPMorgan Nasdaq Equity Premium Income ETF (JEPQ).

With a yield of approximately 11.52%, JEPQ is designed to deliver high monthly income while maintaining exposure to U.S. large-cap growth stocks.

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JEPQ employs a covered-call strategy, generating income by selling options on Nasdaq-linked securities while holding a portfolio of large-cap growth stocks. This strategy allows the fund to collect option premiums, which are then distributed to investors as income.

Vanguard International High Dividend Yield ETF (VYMI)

For investors seeking diversification beyond U.S. borders, the Vanguard International High Dividend Yield ETF (VYMI) provides exposure to high-quality international dividend payers.

With an expense ratio of just 0.17%, VYMI delivers income efficiently while spreading risk across global markets.

VYMI invests in international companies with above-average dividend yields. Its holdings span multiple countries and industries, including well-known global leaders such as Nestlé, Novartis, Roche Holding, Toyota Motor and Shell.

This global diversification can help reduce reliance on any single economy or currency.

Vanguard Dividend Appreciation ETF (VIG)

While high yield is important, dividend growth also plays a critical role in preserving purchasing power over long retirement horizons. That’s where the Vanguard Dividend Appreciation ETF (VIG) shines.

With an ultra-low expense ratio of 0.05%, VIG tracks the S&P U.S. Dividend Growers Index, focusing on companies with a history of consistently increasing dividends.

A Proven, High-Quality Portfolio: VIG manages approximately $120.4 billion in assets and holds 338 well-diversified stocks. These are companies with strong balance sheets and long-term earnings power. Top holdings include Broadcom (7.63% weighting), Microsoft, Apple, JPMorgan, Visa, Eli Lilly, and Exxon Mobil. This mix provides exposure to technology, healthcare, financials, and energy—key sectors for long-term growth.