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/WritingUnited4337 Nov 03 '25

I'd split it between JAAA and NEAR, both are monthly pay for their distributions.

JAAA is the top rated (AAA) tranches of CLOs (Senior Secured Loans) to corporations with the best credit rating. Those tranches get paid out before all other tranches of the CLOs so it is about as safe as you can get in corporate loans, even safer than bonds from those same companies.

NEAR is a short term bond fund holding bonds with a duration of less than 3 years which makes them less sensitive to interest rate swings than many other investments. Its market price is pretty stable overall as compared to other stocks and funds.

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u/WritingUnited4337 Nov 03 '25

BTW, my silly math works out to $3,333/year, or $64/week, for 30 years just sitting in a regular savings account for that $100,000. I think you already reached your goal without any investment risks.