4 High Yield ETFs That I'd Buy For Social Security's Collapse

"Even if you have systematically been paying into your retirement benefits, an insolvency would place you at the bottom rung of the ladder, meaning that your chances of getting paid could be next to zero. If you were depending on government benefits to bankroll your retirement, that plan is now a house of cards. Fortunately, you've got options to fund your own retirement so that you are less dependent on a floundering Social Security system."

"And while there is still time for the U.S. government to turn things around before Social Security collapses, I wouldn't hold my breath. That's where your investment strategy comes into play, and high yield dividend ETFs might serve you well in your portfolio. We have identified four high-yield ETFs that have the potential to offset any shortfall that is left by the failing Social Security system."

"By gaining exposure to the SPDR Portfolio S&P 500 High Dividend ETF (SPYD), Vanguard High Dividend Yield ETF (VYM), Amplify CWP Enhanced Dividend Income ETF (DIVO), and JPMorgan Equity Premium Income ETF (JEPI), you are putting yourself in the driver's seat with monthly and quarterly distributions so that you are more in control of your destiny including all the expenses that arise - bills, healthcare, etc. - during retirement so that you can continue to collect income when you need it the most."

The U.S. Social Security program faces potential insolvency within a decade, putting future benefit payments at risk. Heavy reliance on government benefits could leave many retirees with little or no income. High-yield dividend ETFs offer an alternative path to generate retirement income through regular distributions. Four ETFs—SPYD, VYM, DIVO, and JEPI—provide monthly or quarterly payouts that can help cover bills, healthcare, and other retirement expenses. SPYD posts a trailing 12-month dividend yield of 4.4% and invests across high-yielding S&P 500 companies in sectors such as retailers, consumer staples, and financials. Building a dividend-ETF allocation can increase control over retirement cash flow and partially offset Social Security shortfalls.

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