From 24/7 Wall St. · Ryne Mauck · · 1m 20s
Market Near All-Time High for 66-Year-Olds
66-year-olds with cash can buy these 3 ETFs to avoid timing the market.
In brief
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 top. Originally reported by 24/7 Wall St..
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.
The bottom line
A 66-year-old with cash can use three ETFs to gradually invest without buying at the top.
