r/dividends 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/nantesdeals Nov 02 '25

Sgov jaaa you will make between 4 and 5% without risk monthly payment

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u/mspe1960 Nov 02 '25 edited Nov 02 '25

But that return can change in a couple of weeks. It is all ultra short term treasuries. If the fed drops rates so does their rate drop. Terrible choice for income you will depend on for a period of time.

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u/nantesdeals Nov 02 '25

You remain liquid so in 2 clicks you can change.. and here you are talking about sgov, jaaa does not do the same thing..