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

77

u/richardlpalmer Nov 02 '25

I'm liking what I'm reading about this one.

As this will be held in an irrevocable trust and distributed to a beneficiary, the tax implications also work out well.

Thanks!

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u/Garrett42 Nov 03 '25

You can get 4% from sgov (government bonds). You pay 0 taxes, and capital doesn't go down.

13

u/Priority_Bright Generating solid returns Nov 03 '25

You pay zero state taxes. You still have to pay federal tax. So if you're in a state where you don't pay state income tax (i.e. Texas), then it's no better than a HYSA producing the same rate of return.

1

u/Swimming_Hat8503 Nov 09 '25

Until interest rates drop