3 ETFs help cover income gap when cutting work to 3 days at 62, balancing income and growth.

At age 62, reducing work to three days a week creates a paycheck gap that needs bridging until full retirement. Three ETFs—Vanguard Ultra-Short Bond ETF (VUSB), First Trust Morningstar Dividend Leaders Index Fund (FDL), and Vanguard Morningstar Mid-Cap ETF (VO)—serve distinct roles: VUSB provides steady near-term income, FDL adds quarterly dividends from reliable companies, and VO focuses on long-term growth. Early Social Security claims may reduce benefits due to earnings limits, making these ETFs crucial for income and growth balance during semi-retirement. Each fund carries risks and trade-offs, but together they help manage income shortfalls without forcing premature stock sales or risking inflation erosion.

The Vanguard Ultra-Short Bond ETF (VUSB) is trading at USD 49.45 on Pluang, showing a slight 0.03% decrease in the last day. This ETF's stable price and significant market cap of $9.90 billion highlight its role as a steady income source for those managing income gaps in semi-retirement. Data is current as of Nov 03, 2026 04:25 WIB.