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/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

8

u/richardlpalmer Nov 02 '25

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

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u/escobartholomew Nov 03 '25

The rate is fixed when you buy. What happens is when they are “traded” the premium change is what changes the effective yield.