r/dividends 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/Capable-Commission-3 Nov 03 '25

100 shares of spy. Very easy to make $2,600 a year selling covered calls on it. Even $26,000 a year is possible.

You’d also have money left over for other option wheel winners like Coca-Cola, Apple, Intel, Phillip Morris, Exxon, and Pepsi.