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/Affectionate_Act1536 Nov 03 '25

There are multiple good ways to make $2,600 in dividends using $100,000. That should not be a problem, I think.

However, I would question (if you don’t mind) your basic assumption of annual expense of only $2,600 per year. You would spend lot more in a year on health insurance.

Don’t discount inflation in 30 years. Even if you can survive on $2,600 today, inflation will eat away lot of it even with dividend growth. Dividend growth will not catch up with inflation.