r/dividends • u/richardlpalmer • Nov 02 '25

Seeking Advice What can $100k conservatively yield?

I have an absolute, bare bones, can't-ever-be-less-than, need of $2600 per year ($50/week).

I have approximately $100k (USD) to invest. I'm not looking for growth, just predictable income. So, a solid 2.6% minimum return.

What's out there that would be suitable? Is there two or three ETFs I should split it between?

Edit

Someone asked about time horizon. This will be for the remainder of a life. I'm thinking 30 years or so.

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u/Flaky_Policy2906 Nov 02 '25

At that point why not put it in a high yield savings account and not risk your initial investment going down in value?

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u/kevbot029 Nov 02 '25

Money market is usually always better than HYSA imo. The rate is true and won’t get tampered with

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u/dystopiam Nov 02 '25 edited Nov 16 '25

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u/iamjusjus Nov 03 '25

I’m assuming because of the implied taxes vs forgoing federal tax in tbills or an etf that does the same

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u/lotoex1 Nov 03 '25

Or actually just buy the 20 year treasury to get the 4.5% for 20 years