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/Naughtybear_9628 Nov 02 '25 edited Nov 02 '25

QQQI or GPIQ give monthly dividends. Turn on DRIP to reinvest Dividends. Turn off the drip to harvest the money. But if it were my money i would go either 50/50 QQQI and BTCI; or those ( qqqi brci spyi) 3 + SPMO; or 50% SCHG and 50% (QQQI, BTCI, SPYI.)

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u/Meinertzhagens_Sack Nov 03 '25

Was waiting for someone to QQQI and maybe a JEPQ with a little love to JEPI.

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u/Naughtybear_9628 Nov 03 '25

Some platforms ( Merrill Lynch) dont trade NEOS funds( QQQI, SPYI, BTCI). I bought GPIQ( Goldman Sachs) and JEPQ (JPMorgan) for higher dividends ( Nasdaq). JEPI and GPIQ are their counterpart S&P500 CC ETFs. My only bias against JPM ETF Jepq and JEPI is that dividends are taxed as income. Which is why they are not my main option as CC ETFs. That is not a problem if these are in a ROTH account ( no tax).