Over half of Americans fear outliving retirement savings; 4 ETFs offer income strategies to mitigate risk.

A study shows 51% of Americans worry their retirement savings won't last, with Gen X even more concerned. Average 401(k) balances are $304,200, but market downturns risk income. Four ETFs—DIVO, SPYI, DGRW, and HDV—offer different approaches combining income, dividend growth, and defensive sectors to help retirees generate steady income and reduce portfolio sell-offs. While none eliminate all risks, these funds can help turn savings into sustainable income streams for retirement.