# Unretired at 68 and the Paycheck Is Back

> Three ETFs help retirees at 68 rebuild portfolios after returning to work.
- Title: Unretired at 68 and the Paycheck Is Back · 24/7 Wall St.
- Summary: Three ETFs help retirees at 68 rebuild portfolios after returning to work. Retirees returning to work at 68 can use Schwab U.S. Large-Cap Growth ETF, Avantis…
- Keywords: schwab us large-cap growth etf, avantis international equity etf, avantis core fixed income etf, retirement planning, unretired, paycheck, etf, portfolio, new money, financial planning, Back, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/investing/etf/2026/10/20/unretired-at-68-and-the-paycheck-is-back-these-3-etfs-decide-what-the-new-money-should-do
- Author: Ryne Mauck
- Published: 2026-10-20T20:33:22+00:00
- Read time: 1 min
- Topics: schwab us large-cap growth etf, avantis international equity etf, avantis core fixed income etf, retirement planning, unretired, paycheck, etf, portfolio, new money, financial planning
## Unretired at 68
Retirees returning to work at 68 face challenges with retirement plans built for life without income.
## Paycheck Replaces Portfolio Withdrawals
New income stops selling investments to cover living costs, letting portfolios compound without sales.
## Retirement Account Contributions Restart
Taxable contributions to traditional IRAs can continue after age 68 with new income.
## Tax Side Effects
New income increases taxable Social Security benefits and Medicare premiums near thresholds.
## SCHG for Growth
Schwab U.S. Large-Cap Growth ETF tracks top tech companies with 11.01% in NVIDIA and 9.83% in Apple.
## AVDE for International Stocks
Avantis International Equity ETF holds developed-market stocks outside the U.S. with low valuations and high profitability.
## AVIG for Bond Income
Avantis Core Fixed Income ETF provides monthly bond income with a 1.96% decline over the past year.
## Trade-Offs to Weigh
SCHG faces tech concentration risks, AVDE has currency swings, and AVIG falls when rates rise.
## Key takeaway

Retirees returning to work at 68 can use Schwab U.S. Large-Cap Growth ETF, Avantis International Equity ETF, and Avantis Core Fixed Income ETF to manage new income and retirement savings.