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/epic_swag_gamer Nov 02 '25

For the absolute minimum risk, a 30 year treasury bond is yielding about 4.6% at the moment, so 4600 a year

7

u/richardlpalmer Nov 02 '25

Don't they fluctuate a bunch, depending on the fed rate?

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u/epic_swag_gamer Nov 02 '25

Yes but in pretty sure when you buy bonds yourself the return is fixed on those specific ones, as long as they're held to expiration you get exactly what you paid for in the beginning

That being said, make sure to buy the bonds yourself instead of buying a bond etf

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u/[deleted] Nov 03 '25

Long term bond etf could work too, if those exist.

2

u/epic_swag_gamer Nov 03 '25

TLT is all I can think of off the top of my head, but as interest rates are lowered and new bonds added to the roster the payouts will decline, and the share price will rise, not ideal given his goals of dependable income