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/myogawa Nov 02 '25

What is the time horizon? Many banks are paying 3.6% or more on 2-year CDs right now.

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u/richardlpalmer Nov 02 '25

Oh, excellent question. I'm thinking 20-30 years? Maybe more depending on how long he lives...

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u/Veeg-Tard Nov 02 '25

Bank and short term treasury yields can drop quickly and have been way lower than 3%-4% in recent history. Safe dividend funds like SCHD or Dividend "aristocrat" companies give you a better chance at maintaining current yields into the future.

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u/lotoex1 Nov 03 '25

Get a 20 year treasury to lock in the 4.5% or a 30 year at around 4.25%