Two simple dividend ETFs offer steady 4%+ yields for retirees following the 4% withdrawal rule.

The 4% rule suggests retirees withdraw 4% of their portfolio initially, adjusting for inflation annually to sustain income over 30 years. Two dividend ETFs, SPYD and SPHD, provide straightforward, low-cost options for retirees seeking income. SPYD holds 80 high-yield S&P 500 stocks equally weighted, offering a 4.68% yield with a 0.07% fee, while SPHD selects 50 high-yield, low-volatility stocks with monthly payouts and a 4.71% yield at a 0.30% fee. Both ETFs focus on blue-chip U.S. stocks, mainly in income-heavy sectors, making them practical choices for steady retirement income without complex strategies.