A practical framework for retirement-style cash flow without
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[Morning Watchlist]

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-------------------------

3 DIVIDEND ETFS WITH STRONG YIELDS TO BUY AND HOLD

If you’re even thinking about retirement, one of the biggest goals
is simple: build _reliable cash flow_ without turning your portfolio
into a full-time job.

That is where dividend-focused exchange-traded funds (ETFs) can shine.
Instead of constantly timing withdrawals or stressing over day-to-day
market swings, you can own diversified baskets of dividend-paying
companies (and, in some cases, option-income strategies) that are
designed to distribute income on a consistent schedule. Importantly,
you still maintain exposure to long-term equity growth—something
traditional fixed-income alone may not deliver the same way,
especially if inflation stays sticky.

Of course, not all “high yield” strategies are created equal. The
right mix usually depends on three variables:

*
YIELD VS. GROWTH: Do you want the highest income today, or a growing
income stream that can compound over time?

*
DIVERSIFICATION: Are you overexposed to U.S. equities (or a single
sector like financials or energy)?

*
COSTS AND STRUCTURE: Expense ratios, turnover, and strategy mechanics
matter—especially when you are holding for years.

With those principles in mind, here are THREE DIVIDEND ETFS that offer
different (and complementary) paths to long-term income.

-------------------------

COMPANY: VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF (SYM: VYMI)

If you want to diversify beyond the U.S., VYMI is a straightforward
way to own a broad portfolio of higher-dividend international
companies. The ETF tracks a high-dividend benchmark and—at last
report—held ABOUT 1,531 STOCKS, with a 0.17% EXPENSE RATIO and a
QUARTERLY DIVIDEND SCHEDULE.

Why does that matter? Because many U.S.-based income investors are
unintentionally concentrated in the same handful of domestic sectors
and themes. International dividend payers can help diversify:

*
GEOGRAPHICALLY: different business cycles, policy regimes, and
consumer markets

*
BY SECTOR: many international markets have higher weightings in banks,
energy, and industrials

*
BY VALUATION: international high-dividend markets can trade at lower
multiples than U.S. large caps at times

VYMI’s largest holdings include globally established names such as
HSBC, Roche, Novartis, Nestlé, Shell, and Toyota, reflecting the
“blue chip income” profile many investors want when income becomes
a priority.

INCOME NOTE: VYMI has paid variable quarterly distributions. For
example, recent quarterly payouts have included $0.9385 (PAID
12/23/2025), $0.7001 (PAID 9/23/2025), and $1.0762 (PAID
6/24/2025)—illustrating that international dividend timing and
amounts can vary by region, currency, and underlying company payout
practices.

WHAT TO WATCH:

*
Currency effects can amplify or reduce USD-denominated income.

*
International dividends can be “lumpier” than U.S. dividends due
to different payout conventions.

*
Withholding taxes may apply depending on account type and treaty
treatment (a tax advisor can help).

Bottom line: If your income strategy is too U.S.-centric, VYMI can add
global diversification while still keeping the portfolio anchored in
large, established dividend payers.

-------------------------

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-------------------------

COMPANY: VANGUARD DIVIDEND APPRECIATION ETF (SYM: VIG)

Where VYMI leans into current yield, VIG is built around a different
concept: DIVIDEND GROWTH.

VIG tracks the S&P U.S. Dividend Growers Index and—at last
report—featured a 0.05% EXPENSE RATIO and a QUARTERLY DIVIDEND
SCHEDULE. It also holds roughly 337 STOCKS (about 338 in other recent
Vanguard reporting), underscoring that it is diversified without being
“everything and the kitchen sink.”

Why dividend growth matters: companies that consistently raise
dividends often share characteristics retirees tend to
appreciate—strong balance sheets, durable free cash flow, and
management teams that prioritize shareholder returns. You may not get
a massive yield today, but the _income stream can grow over time_,
which is one of the most practical hedges against inflation.

VIG’s top holdings have included large-cap quality names such as
Broadcom, Microsoft, JPMorgan, Apple, Eli Lilly, Visa, and Exxon
Mobil. In other words, it often functions as a “quality core”
holding that happens to pay dividends—rather than a pure high-yield
product.

INCOME NOTE: VIG’s distributions are quarterly and typically
steadier than international funds. Recent payments have included
$0.8844 (PAID 12/24/2025) and $0.8647 (PAID 10/1/2025).

WHO THIS IS FOR:

*
Investors who want income, but also want their dividend stream to
_increase_ over time

*
Investors who prefer a low-cost, rules-based approach to “quality
dividend growers”

*
Portfolios that need a core equity holding that does not rely on
ultra-high yield

Bottom line: VIG is often a strong “foundation” ETF—lower yield
than high-income funds, but higher emphasis on dividend consistency
and growth, with very low ongoing costs.

-------------------------

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-------------------------

COMPANY: AMPLIFY CWP ENHANCED DIVIDEND INCOME ETF (SYM: DIVO)

If you want to boost portfolio income without relying solely on
high-dividend stocks, DIVO adds a second income engine: COVERED CALL
WRITING on individual stocks.

DIVO is designed to offer MONTHLY INCOME using a portfolio of
“dividend growers” plus tactical covered calls. The fund’s fact
sheet notes an objective of generating GROSS ANNUAL INCOME OF
APPROXIMATELY 2–3% FROM DIVIDENDS AND 2–4% FROM OPTION PREMIUMS,
and it reports a 0.56% TOTAL EXPENSE RATIO with MONTHLY DISTRIBUTIONS.


That structure matters because covered calls can help generate cash
flow in sideways or choppy markets—exactly the kind of environment
that can occur when investors are nervous about rates, growth, or
valuation. The trade-off is also important: covered calls can CAP SOME
UPSIDE when markets rally sharply, because you may be obligated to
sell gains above the option strike.

DIVO typically holds a relatively concentrated basket (the fact sheet
lists 22 EQUITY HOLDINGS), and its top positions have included large,
liquid companies such as Caterpillar, Apple, American Express, RTX,
Home Depot, Visa, Microsoft, JPMorgan, and Goldman Sachs.

DISTRIBUTION NOTE (IMPORTANT): DIVO’s distribution amounts can vary
meaningfully month to month, and year-end distributions can include
special items. For instance, Amplify’s published distribution table
shows $0.95339 PAID ON 12/31/2025, and it notes that the 12/31/2025
distribution included an ESTIMATED RETURN OF CAPITAL OF 94% (see the
fund’s posted tax notices). This does not automatically mean
“bad,” but it does mean investors should understand tax character
and avoid assuming every distribution is ordinary dividend income.

WHO THIS IS FOR:

*
Investors who want MONTHLY CASH FLOW and are comfortable with an
options overlay

*
Investors seeking a “middle path” between pure equity income and
pure equity growth

*
Portfolios that can benefit from a strategy that may dampen
volatility, with the acknowledgement that upside can be partially
capped

Bottom line: DIVO can be a practical tool for investors prioritizing
monthly income—but it is not a free lunch. You are swapping some
upside participation for option premium income and potentially
smoother cash flow.

-------------------------

_Market Jar Media_

WHEN CRYPTO QUIETLY BECAME A TICKER
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The biggest obstacle to crypto adoption has never been interest....It
has been access.

For years, expressing a view on digital networks required wallets,
exchanges, and operational complexity that limited participation to a
narrow audience. That barrier is now starting to come down.

A newly listed ETP now delivers exposure to a public network built for
enterprise use through a standard brokerage account. No wallets. No
private keys. No new systems to learn.

That change matters because capital tends to follow simplicity.

When exposure becomes a ticker, participation broadens. Advisors can
allocate. Institutions can size positions. Portfolios can rebalance
without rebuilding workflows.

The structure itself is deliberately straightforward. The Trust holds
the underlying asset directly and publishes holdings transparently.
There is no staking, lending, or leverage layered on top.

Governance and infrastructure were not afterthoughts in this design.
The underlying network emphasizes fast settlement, predictable costs,
and formal oversight. Those traits tend to matter more as markets
mature beyond novelty.

Early disclosures show that the product is functioning as intended,
trading cleanly and accumulating assets in a measured way. That does
not imply direction. It confirms that the wrapper works.

Markets rarely announce these moments loudly.
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through structure.

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FULL INVESTOR REPORT HERE.
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-------------------------

_Are there any other dividend stocks or ETFs you swear by? What other
sectors of the market are you currently interested in? Hit "reply" to
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