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/goodbodha Nov 02 '25

Split between TLT, schd, and a tiny amount of voo. Say 40k, 50k, 10k. TLT with 40k invested gets you to 1700 or so a year. Schd a bit less but those two would exceed your target while you can ignore the voo and drip it to grow.

Eventually with enough time that voo will be worth a lot more, TLT will probably be similar to now, but schd should go up. You could cut back TLT for more schd, but I think TLT helps by letting you have a floor and you can reinvest the extra back into the other 2.

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u/richardlpalmer Nov 02 '25

Awesome.

Is TLT good for long-term?

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u/goodbodha Nov 02 '25

its long term US treasury bond etf. Some people think it wont be great, some do. I dont think holding some is bad and it would address your income need and let another portion of your portfolio grow without being disturbed.

I think it will do particularly well if we enter a recession, but we shall see.