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In this video, we break down my Top 8 Monthly ETF Funds for Growth and Income and explain how they can be used together in a smart, risk-aware retirement portfolio. This is not about chasing the highest yield. Instead, we focus on total return, income consistency, and long-term portfolio stability — the three pillars that matter most in retirement. You’ll learn: • How monthly income ETFs actually work • The difference between income, growth, and core stability funds • Why total return matters more than headline yield • How retirees think about cash flow vs. portfolio growth • A sample allocation framework used for retirement planning We also discuss the risks involved, including distribution variability, market volatility, and option-based ETF strategies, so you understand both the benefits and the trade-offs. ⚠️ Important Disclaimer This video is for educational purposes only and does not constitute financial advice. Distributions are not guaranteed, yields can change, and all investments involve risk. Always do your own research or consult a qualified financial professional before making investment decisions.