3 ETFs Offer Simplified Portfolios for Unprepared Spouses

### Money Play * For investors seeking a simplified, diversified approach to wealth transfer, the iShares Core Growth Allocation ETF (AOR) offers a global 60/40 stock-bond mix that auto-rebalances. With a year-to-date gain of 7.4% and a ten-year total return of approximately 120%, AOR aims to provide a stable, hands-off portfolio for inheritors. * The Vanguard High Dividend Yield ETF (VYM) provides exposure to large U.S. dividend-paying companies, distributing quarterly dividends totaling $3.63 per share. The fund holds approximately $95 billion in assets and includes recognizable names like JPMorgan and Exxon Mobil. * The WisdomTree Floating Rate Treasury Fund (USFR) offers income from short-term U.S. Treasury securities, with an upper federal funds target rate of 3.75% and a year-to-date gain of 2.74% near its $50.45 share price.

### Executive Thesis This analysis highlights three exchange-traded funds (ETFs) designed to simplify portfolio management for spouses who may lack extensive financial experience. These funds aim to provide diversification, income, and stability, reducing the burden on inheritors.

### The Print The iShares Core Growth Allocation ETF (AOR) holds approximately 35% in the iShares Core S&P 500 ETF, 32% in the iShares Core Universal USD Bond ETF, 17% in international developed stocks, 7.3% in emerging markets, and 5.6% in international bonds. AOR trades around $68.97, up 7.4% year-to-date and 10.9% over the past year, with a ten-year total return of about 120%. Its quarterly distributions totaled roughly $1.77 per share over the trailing twelve months. The Vanguard High Dividend Yield ETF (VYM) delivers quarterly dividends totaling $3.63 per share and manages assets of $95 billion.

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