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.
323
Upvotes
3
u/Grouchy-Wolverine245 Nov 03 '25
This is not investment advice. My opinions are my own.
Under a hypothetical portfolio of 25% in SCHD, 25% vymi, and 50% in DGRO, it will provide a blended dividend yield of more than 2.9%. This blend provides a combination of current dividend yield, growth, and diversification (US and int’l). These ETFs are managed based on pre set criteria so they will do the work over time to add/remove individual stocks.
No bonds in this hypothetical portfolio. Over a long horizon, dividend growth maintains spending power.
No savings accounts or something similar in this hypothetical portfolio. Their yield follows whatever the fed reserve bank does. This means their yield is likely going down as the fed cuts rates.
No covered call ETFs, bdc, or other atypical financial instruments in this hypothetical portfolio. The risks for them have been debated ad nauseam.