Core Insights - Many retirees follow a 4% withdrawal rule to manage their retirement portfolios, aiming for portfolio appreciation exceeding 4% annually [1] Income-Generating ETFs - Income-generating ETFs provide an alternative for investors who prefer not to withdraw from their portfolios, with some yielding above 4.00%, making them suitable for retirees [2] - High yields in these ETFs often come with lower potential returns, emphasizing their role in generating cash flow rather than capital appreciation [2] Schwab U.S. Dividend Equity ETF (SCHD) - SCHD has a yield of 3.74% and has delivered an annualized return of 11.38% over the past decade, with a total asset allocation of $73.0 billion across 102 stocks [6] - The fund's top holdings include Chevron, ConocoPhillips, and Lockheed Martin, focusing on quality dividend stocks with sustainable payouts [6] SPDR Portfolio S&P 500 High Dividend ETF (SPYD) - SPYD offers exposure to the top 80 high dividend-yielding companies in the S&P 500, with a trailing 12-month yield of 4.49% and an annualized return of 8.92% over the past ten years [7] - The fund has a low expense ratio of 0.07%, allowing investors to replicate the 4% withdrawal rule without selling shares [7] JPMorgan Equity Premium Income ETF (JEPI) - JEPI features an 8.35% yield and a total asset base of $41 billion, with a 0.35% expense ratio [8] - The fund aims to provide monthly income with reduced volatility by incorporating defensive assets and writing out-of-the-money S&P 500 index call options, achieving an annualized return of 9.90% over the past five years [9]