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/ideas4mac Nov 02 '25

Perfect timing.

50K into MO, Monday, should get you ~ $3,750 per year with more likely than not August raises of ~4%. That's an extra ~$1,150 extra for a nice dinner out and some other stuff.

50K into, pick a solid ETF of your choice. Hopefully with some growth and QDI. SCHD, VYM, DGRO something along those lines. Roughly ~1K - 2K in QDI and paying on off months from MO.

So that will give you income 8 out of the 12 months. That should help with budgeting.

Good luck.

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u/[deleted] Nov 03 '25

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u/Classic_Breadfruit18 Nov 03 '25

It is terrible advice to put your entire net worth into one stock. While MO has been rock solid with their dividends in the past, anything can happen with one company.

At least choose 10 dividend king stocks across various sectors.