After decades of hard work and diligent saving, you want to sleep well in your Golden Years. But a few drawbacks can keep you up at night. What if inflation diminishes your earnings’ power now that you’re not earning a regular paycheck? What if an unexpected market downturn puts your investments in a tail spin? But there could be a remedy. Some retirees utilize dividend exchange-traded funds (ETFs). These are diversified portfolios managed by investment professionals often with decades of experience.