If you're thinking of retirement, nearing retirement or you're already there, one of the last things you want to worry about is money.

So, why not have your money make you money starting today?

One of the best ways to do that is by investing in passive income and growth, which investors can accomplish with Vanguard exchange-traded funds (ETFs). Not only do these ETFs offer a good deal of diversification, but they can also help lower your overall risk compared to investing in an average security.

Schwab US Dividend Equity ETF

There's also the Schwab US Dividend Equity ETF (SCHD), which tracks the performance of 100 high-yielding dividend stocks chosen by yield and five-year dividend growth rates.

With an expense ratio of 0.06%, the ETF tracks the total return of the Dow Jones U.S. Dividend Index. It also yields 3.37%, which is about three times the S&P 500's dividend yield, and has holdings in Amgen, AbbVie, Home Depot, Cisco Systems, Broadcom, Chevron, UPS, and Coca-Cola, to name just a few. Since January, the ETF rallied from about $27.50 to $31.65.

• Joe Duffy’s daily video newsletter with updates on what's happening in the markets that very day. Rather than watch talking heads for hours on cable, I'll get you up to speed in minutes.


• You get weekend updates where I delve more into 'bigger picture' looks at the marketplace. Videos are illustrative, instructive, concise, and un-hedged. No double talk here.


• And much, much more!

• Candidates for our Big League Options portfolio of stocks trending above other stocks in the NASDAQ 100... average open profit 128.5%.


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