# Market Near All-Time High for 66-Year-Olds

> 66-year-olds with cash can buy these 3 ETFs to avoid timing the market.
- Title: Market Near All-Time High for 66-Year-Olds · 24/7 Wall St.
- Summary: 66-year-olds with cash can buy these 3 ETFs to avoid timing the market. A 66-year-old with cash can use three ETFs to gradually invest without buying at the…
- Keywords: sp500, etf, retirement, dividend, vanguard, proshares, ishares, cash, market, volatility, dividend-aristocrats, global-stocks
- Source: 24/7 Wall St. — https://247wallst.com/investing/etf/2026/09/22/the-market-is-near-another-all-time-high-and-youre-66-with-cash-to-invest-buying-now-feels-like-the-top-these-3-etfs-are-how-you-get-in-anyway
- Author: Ryne Mauck
- Published: 2026-09-22T22:25:53+00:00
- Read time: 1 min
- Topics: sp500, etf, retirement, dividend, vanguard, proshares, ishares, cash, market, volatility, dividend-aristocrats, global-stocks
## Market Near All-Time High
You’re 66 with cash earning next to nothing as the S&P 500 approaches another record high.
## SPY Closed at $773.21
SPY closed at $773.21 on September 21, 2026, up 13.39% year-to-date and 16.5% over the past year.
## VIX at 14.81
The VIX is sitting at 14.81, which reads as calm on the surface.
## Three ETFs Solve the Problem
iShares MSCI USA Min Vol Factor ETF (CBOE:USMV), ProShares S&P 500 Dividend Aristocrats ETF (CBOE:NOBL), and Vanguard Total World Stock ETF (NYSEARCA:VT) address the cash timing issue.
## USMV: Smoother Ride
USMV is up 7.14% over the past year while SPY is up 16.5% with a 0.15% expense ratio and $22.9 billion assets.
## NOBL: Dividend Focus
NOBL owns S&P 500 Dividend Aristocrats with a 0.35% expense ratio and $11.1 billion assets.
## VT: Global Exposure
VT covers 8,000 companies across 47 countries with a 0.06% expense ratio and $2.41 trailing dividend.
## Where These Funds Fall Short
USMV and NOBL disappoint in tech-led rallies, NOBL had a 4.77% one-month pullback, and VT carries full equity risk.
## Key takeaway

A 66-year-old with cash can use three ETFs to gradually invest without buying at the top.