vadimgouida from Getty Images Pro and ansonsaw from Getty Images Signature Many retirees follow a 4% withdrawal rule. Essentially, they withdraw 4% of their portfolio each year to cover expenses and hope that the portfolio appreciates by more than 4% in the same year. There's an alternative for investors who don't want to withdraw from their portfolios. Income-generating ETFs come with high yields, some of them above 4.00%. Some investors can live off their dividends instead of selling shares in their po ...