These 3 ETFs Pay 6.29% to 11.80%. Spending That Income Isn't a Way Around the 4 Percent Rule - 24/7 Wall St. These 3 ETFs Pay 6.29% to 11.80%. Spending That Income Isn't a Way Around the 4 Percent Rule High-yield ETFs paying up to nearly 12% look like a shortcut past the 4% rule, but that logic rests on a confusion between two measurements that retirement researchers say can determine whether a portfolio survives 30 years. The ETF Examiner desk. Editor: Ryne Mauck. By Ryne Mauck Published October 21, 2026, ...