Brazilian investors presented new ETF and fixed‑income fund strategies for retirement income

Four equity income ETFs—JEPI, JEPQ, SCHD and VYM—were highlighted as tools for generating monthly or quarterly cash flow for long‑term retirees. The ETFs use covered‑call and dividend‑focused approaches, charge low expenses (0.06%–0.35%), and have delivered double‑digit returns over the past year.

Fixed‑income mutual funds were also reviewed, emphasizing professional management, diversification across government bonds, CDBs, LCIs, LCAs and private debt, and compliance with CVM rules that require at least 80% of assets to be fixed‑income. The discussion noted the absence of FGC protection, market‑price fluctuations, credit and liquidity risks, and the importance of fee transparency. Both product types were presented as alternatives to direct bond purchases for investors seeking lower risk or steady income in Brazil’s current interest‑rate environment.