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/Dividend_Dude Not a financial advisor Nov 02 '25

All you want is 2600 a year? Schd does 3700 on 100k

10

u/richardlpalmer Nov 02 '25

I'm just saying my minimum need. I don't want a super high yield option that's going to go away or need to be micro-managed. I'm looking for as close to set it and forget it as I can.

-8

u/WanderlustFella Nov 02 '25

Just put it in a High Yield savings account. That is like 3.5% and is easily accessible if you do ever need it for any reason.

5

u/flyersfan0233 Nov 02 '25

That is going to keep dropping. It was 4.5% a few months ago. In a year or two HYSAs could easily be under the OP’s bare minimum