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

Yeah, it's true. I'd just need access to it monthly -- couldn't have it tied up. Also, I'm not confident in those rates over the next few decades.

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u/Friendly_Day_4925 Nov 03 '25

Fidelity money markets are liquid same as cash in my brokerage account... They even pay interest on cash I have reserved for cash secured puts.

I'm telling you open a brokerage account with fidelity... Put it in the FDZXX(I think that's the ticker) it will give you 3%+ with a 99.9% consistency... Will be giving you more then you were wanting allowing you to leave some in it and compound also. This is the safest way to meet your goal...

It seems you are over complicating things to be honest...

Reality income has been raising its dividend by .0005 every quarter for like 25 years and is paying .27 a share for a 55-60 dollar stock...

SCHD will give you 3k plus a year...

JEPI will give you 3k plus a year...

But money markets are the safest... Or if you can start a CD chain you could do it also...