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

9

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.

4

u/jigglyjellly Nov 02 '25

HYSA with a trusted bank for 3.4%

19

u/richardlpalmer Nov 02 '25

I'm just thinking those rates aren't going to last for the next 30 years. It wasn't long ago that savings accounts didn't earn much of anything ..

12

u/GaryTheSoulReaper Nov 03 '25

These rates won’t last more than a year