VYM

VYM is the Vanguard High Dividend Yield ETF, a fund that holds a large basket of US companies known for paying above-average dividends, meaning regular cash payments to shareholders. Instead of betting on a single stock, an investor who buys VYM owns small slices of hundreds of established businesses, with a tilt toward sectors like banks, healthcare, consumer staples, and energy. The fund makes money for its holders mostly through those steady dividend payments plus any rise in the share price, and Vanguard charges a very low fee to run it.