Do you want a relatively safe way to collect dividends during your retirement years? A good way to accomplish that is by investing in exchange-traded funds (ETFs) that provide you with exposure to a vast array of stocks while also paying high dividends.

Investing in individual dividend stocks can be risky because if there's a cut or suspension, it can wreak havoc on your portfolio, through not just the lost dividend income but also the inevitable fall in the share price, as often the payout is a key reason for investing in a dividend stock. With an ETF, however, you're not as dependent on a single stock; thus, it can drastically reduce your overall risk.

Three ETFs that can be ideal options for retirees and income-seeking investors right now are Schwab U.S. Dividend Equity ETF ( SC

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