The Roundhill Weekly T-Bill ETF offers unique weekly distributions, sacrificing some yield for optimized payment frequency. Click to read why WEEK is a Buy.

When bond yields were near zero a few years ago, retirees hunting for income had to venture into riskier territory. Now that high-yield bonds are delivering around 7% while rates remain elevated, the question shifts: is this the right kind of risk for someone living off their portfolio?

Mortgage REIT (mREIT) Arbor Realty Trust ( ABR +1.80%) is down about 40% since the beginning of 2025. It's trading near early COVID-era lows with a double-digit yield -- but the reasons matter, and investors shouldn't hurry to call it a bargain. Here's why.

Given an annual dividend expense of roughly $2.38 billion and Ford’s estimated free cash flow of $1.9 billion in 2025, the payout ratio is well over 100%. Notably, Ford’s FCF is projected to improve to $3.9 billion in 2026, lowering the payout ratio to 61%.

The KraneShares Mount Lucas Managed Futures Index Strategy ETF (NYSEARCA:KMLM) offers a 5% dividend yield based on its most recent annual distribution. However, investors considering this ETF for income should understand the dividend’s headline number masks significant instability and disappointing total returns.

With the Fed potentially nearing the end of its rate-cutting cycle, 2026 is likely to bring continued steepening of the Treasury yield curve, reinforcing caution on long-duration bonds.

The Dow Jones Industrial Average itself yields modestly, but the Dogs of the Dow 2026 pack more dividend bite.