# Retirement Paychecks: 3 ETFs with Decade-Long Monthly Income

> Three ETFs have paid monthly for a decade through market crashes and rate hikes.
- Title: Retirement Paychecks: 3 ETFs with Decade-Long Monthly Income
- Summary: Three ETFs have paid monthly for a decade through market crashes and rate hikes.
- Keywords: etf, monthly income, retirement, pandemic crash, rate shock, preferred securities, dividend stocks, global high yielders, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/investing/etf/2026/11/07/retirement-ends-the-paycheck-these-3-etfs-have-sent-one-every-month-for-a-decade
- Author: Jake FitzGerald
- Published: 2026-11-07T10:44:06+00:00
- Read time: 1 min
- Topics: etf, monthly income, retirement, pandemic crash, rate shock, preferred securities, dividend stocks, global high yielders
## Retirement Ends the Paycheck
Monthly income sounds simple until the check shrinks or stops entirely.
## Three ETFs Paid Monthly for a Decade
Three ETFs have kept paying through a pandemic crash and a brutal rate shock.
## iShares Preferred Income ETF (PFF)
PFF has monthly ex-dividend records since 2007 with regular payments from 2010 to 2025.
## PFF's January Gap and March 2026 Drop
PFF skipped January payments and dropped payments to $0.031167 in March 2026.
## Invesco SPHD: Reliable Monthly Payments
SPHD has paid every calendar month from November 2016 through October 2026.
## SPHD's Current Check and Yield
SPHD's latest check is $0.2014 per share with a yield of about 4.75%.
## Global X SDIV: Highest Yield but Most Cuts
SDIV pays the highest yield but has been cut the most since 2020.
## SDIV's Trailing 12-Month Performance
SDIV's trailing 12-month total is $2.227 with a yield of about 9.81%.
## Which ETF Holds Up Best?
SPHD has the most reliable record, but all three funds have gaps in recent payments.
## Key takeaway

Three ETFs maintained monthly payments through the 2020 pandemic and 2022 rate shock, but each has gaps in recent payments.