Simplify your 47 ETF holdings into 3 funds for clarity, lower fees, and easier estate planning at age 70.

Many retirees hold dozens of overlapping ETFs, often paying fees for redundant exposure to the same 20 stocks. The article suggests consolidating these into three ETFs: Vanguard Total World Stock ETF (VT) for global equities, Vanguard Total World Bond ETF (BNDW) for bonds, and Amplify CWP Enhanced Dividend Income ETF (DIVO) for monthly income. This approach reduces complexity, lowers fees, and simplifies estate planning. The article also advises a tax-efficient strategy for selling and rebuilding portfolios, starting with IRAs to avoid capital gains taxes and using required minimum distributions to fund new purchases.

VT (Vanguard Total World Stock ETF) trades at USD 157.95 on Pluang, down 0.49% as of Sep 16, 2026 04:41 WIB. This ETF covers global equities, aligning with the article's recommendation for broad market exposure. Meanwhile, JPMorgan Chase (JPM) is priced at USD 352.12, up 0.57%, showing active movement in financial stocks on the platform.