3 ETFs help 74-year-olds reduce stock risk while keeping growth potential in retirement portfolios.

At age 74, holding 90% of a portfolio in stocks can be risky due to less time to recover from market drops. Three ETFs—Invesco S&P 500 Low Volatility ETF (SPLV), ProShares S&P 500 Dividend Aristocrats ETF (NOBL), and Vanguard Intermediate-Term Treasury ETF (VGIT)—offer ways to lower stock exposure without sacrificing growth. SPLV focuses on less volatile stocks, NOBL invests in companies with long dividend growth records, and VGIT adds safer government bonds to reduce overall risk. These options help retirees balance growth needs with protection against market downturns, especially when managing tax implications inside retirement accounts.

The Invesco S&P 500 Low Volatility ETF (SPLV) trades at USD 75.35 on Pluang as of Oct 29, 2026 03:23 WIB. It shows a slight 1-day change of -0.05% and holds a market cap of $7.39 billion. Investors on Pluang currently show 100% buy activity for SPLV, reflecting interest in lower-volatility stock options.