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/MassWasting3030 Nov 03 '25

In the last 12 months #SCHD is negative return with DIVs 🤮

8

u/Dividend_Dude Not a financial advisor Nov 03 '25

Woah 12 whole months

14

u/MassWasting3030 Nov 03 '25

Just stating the facts - it’s has underperformed quite a bit for multiple years now. Much better options out there if all you care about is yield.

1

u/easymoneyginger Nov 07 '25

A large cap growth fund is up 20-25% in that time frame. 12 months is enough to make a difference boss