<h2><strong>Why Mutual Funds Are Perfect for Retirees</strong></h2>

<p>Mutual funds offer:<br />
✔ <strong>Steady Passive Income</strong> &ndash; Dividend and bond funds generate reliable monthly/quarterly payouts.<br />
✔ <strong>Low Risk &amp; Stability</strong> &ndash; Conservative funds protect against market volatility.<br />
✔ <strong>Professional Management</strong> &ndash; Experts handle fund selection and risk management.<br />
✔ <strong>Diversification</strong> &ndash; Lower risk by spreading investments across different sectors.</p>

<p>&nbsp; &nbsp;&nbsp;<strong>Key Strategy:</strong> Invest in funds that balance <strong>safety, income, and long-term stability</strong>.</p>

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<h2><strong>&nbsp; &nbsp; Best Mutual Funds for Retirees in 2025</strong></h2>

<p>These funds offer <strong>low risk</strong>, <strong>stable returns</strong>, and <strong>consistent income</strong> &ndash; perfect for retirees.</p>

<h3><strong>1️⃣ Vanguard Wellesley Income Fund (VWINX) &ndash; Best Balanced Fund</strong></h3>

<p>✅ <strong>Expense Ratio:</strong> 0.23%<br />
✅ <strong>Dividend Yield:</strong> 2.8%<br />
✅ <strong>Portfolio:</strong> 35% stocks, 65% bonds<br />
