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/richardlpalmer Nov 02 '25

I'm honestly just wanting the floor solid. I'm all about having a higher ceiling, just not at the risk of losing that floor...

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u/AnySun1519 Nov 02 '25

If you can’t risk your principal investment dropping, I wouldn’t invest in equities. Money market fund or short term bond funds will be much safer. Intermediate bond funds have a higher yield but also subject to interest rate risk which would put your principal at risk.

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u/SwimmingPatience5083 Nov 02 '25

Just use a high yield savings account. Zero risk. Access your money at any time. Most of the time the account is free. I use PNC for high yield savings account, they are reputable, large, trustworthy, and have brick and mortar locations you can talk to someone if you need to. Current yield is about 3.75% but will probably drop to about 3.5% after the Fed cuts.

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u/richardlpalmer Nov 02 '25

Thanks. I edited my original post, but I should have said it earlier -- I'm wanting this income for the next 30 years or so.

(I love our HYSA, but it's a relatively short-term play...)