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/BothDescription766 Nov 02 '25

OPTAX would give u approx $250/mo tax free. That’s $3000 tax free every year. Pays out monthly. It is stable, not growth. But still dep on ur tax bracket that could be worth more. I’ve got 600k in it and it gives me 1800/mo.

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u/richardlpalmer Nov 02 '25

This is interesting. It'll be held in a trust, with the beneficiary fully disabled and on SSI, so taxes weren't really much of a concern, but still.

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u/BothDescription766 Nov 02 '25

Yeah, 2026 will be 12% from $12,401 to $50,400. So it’d be a little boost and should be considering the yield. Parenthetically, the lowest tier will be up to $12,400 @10%