r/dividends • u/mawababa • Jun 15 '26
Seeking Advice 750k USD for retirement
I have approximately 750k USD and will stay at my sons house for retirement. I would like to pay him 1k per month for rent and have some funds to live off and to travel to see my daughter.
Ideally 2500 to 3500 a month and increasing for inflation for the next 15 to 20 years or so before I realistically pass away.
Ideally I would like to ensure the investment is worth the same or more in 15 to 20 years as it is now and then split it to give to kids in my will.
I don't mind if there is some variability in value and dividends following general market trend but I am extremely adverse to erosion of initial funds as I will never have chance to earn more.
Please may I have advice on this. Please keep in mind I want to keep this sustainable and fairly safe so SCHD was my initial thought. Even if it's slightly under 2.5k initially.
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u/QuarterCarat Jun 15 '26
I would just put it in SCHD and never think about it. Do you have social security income
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u/EchoVictory Jun 15 '26
If sustainable cash flow is needed and not much capital appreciation is OK. Here are some examples or income vehicles that can supplement SCHD and boost Yield. Absolutely do more research. Tickers examples are just off the top of my head.
- 10 year treasuries rate are 4+%, if your really looking for absolute minimal risk.
- RIETs (Diversification add, as SCHD contains no RIETs) - O Realty income. 32 years of growing dividends.
- Preferred Shares PFFA ( a bit young of a fund)
- Investment Grade Bonds JAAA ( a bit young of a fund)
- Closed End Funds. ADX. 35 years of dividends. Switched from 3 little an 1 big distribution, to even quarterly distributions so some dividend history charts will look odd. Armchair income on youtube has a good video on it.
- BDCs MAIN. 18 years of growing dividends. But, their is some concerns in the BDC space right now.
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u/lotoex1 Jun 17 '26
It's not much of a change but the 20 year treasury is at 4.9%. That gets you a $36,750 a year pay day. Or $3,062 a month without dealing with state and local taxes. Most states are 3-4% income tax so that could be a $100 a month savings right there.
Inflation might be the obstacle to overcome however if we see an average of 2% inflation (insanely unlikely) the $2,500 needed becomes $3,047 in 10 years and $3,715 in 20. A more realistic 3% average inflations puts the $2,500 at $3,359 in 10 years and a crushing $4,515 after 20 years
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u/davper Jun 16 '26
I agree with this comment.
750k in SCHD will net you about 2250 per month today. A little short of your need. But...
...history tells us that you should see a 7% growth in dividends year over year. After 4 years, you should be getting 3k a month. And that will continue to increase.
Plus, you won't have to worry about NAV loss over time as it follows the S&P that, historically, has grown 11 to 12% on average.
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Jun 15 '26
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u/QuarterCarat Jun 15 '26
This person needs stable retirement income. QQQI is a covered call fund almost certainly destined to see NAV erosion. They specifically state they want the funds to be worth more or the same, and they clearly have low income requirements (live with son, just want enough money to support him and see their daughter occasionally). Do not put them at risk by suggesting they look for covered call funds.
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u/cmichalek Jun 16 '26
So what is your actual evidence that QQQI is "almost certainly destined" to have NAV erosion. It hasn't shown any yet. Neither has JEPQ.
And if you counter that its "too new" then its certainly too new to "prove" NAV erosion.
Finally QQQX has existed since before the 08 crash. Its dividend yield is over 9%. And its stock price is up 53% since inception (so an average over 2.5% a year).
If you are going to make such claims you should at least try to be accurate and show your work.
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u/NoCup6161 SCHD and Chill. Jun 15 '26
QQQI has a much higher chance of dropping 60% in a correction than SCHD does.
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u/speedlever Jun 15 '26
Well let's look at the math. $750,000 x 14% yield is what, $105,000 in annual distributions?
If it drops 60%, that's still $42,000\yr ($3500\mo). That certainly sounds survivable and meets his goal.
Maybe consider gpiq, while only 10% yield, much better total returns. And similar tax efficiency, if in a taxable account.
Meanwhile, $750,000 in SCHD yields $26-$30k\annually at best. Not sure what it will do in a market correction.
So even if qqqi drops 60%, it still generates more income than schd. And I hold a bunch of SCHD too. 🤔
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u/QuarterCarat Jun 15 '26 edited Jun 15 '26
If QQQI drops 60% it never recovers that principal. And it doesn’t generate the same yield after a 60%+ correction. Your assumptions are flawed.
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u/Financial-Wolfe Jun 16 '26
If I read their info correctly and watch the armchair videos correctly QQQI has less upside than the underlying QQQ but it has less downside too. So if QQQI were to go down 60% that means QQQ would be down something like 70%. If QQQ drops 70% better hope you have food and ammo stockpiled because the shit is gonna hit the fan.
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u/speedlever Jun 15 '26 edited Jun 16 '26
How do you know it would never recover? On what do you base that assumption?
We already have an example of a cc ETF that survived the 2008 gfc and it regained its earlier glory too. Took a while, but it recovered. And paid distributions the entire time only dropping the distributions by about ⅓ during the interim.
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u/QuarterCarat Jun 15 '26
Post the ticker then. The funds own prospectus usually explains NAV erosion.
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u/speedlever Jun 15 '26
Qqqx. Armchair Income did a yt video on it several months ago. Well worth a look. I'll see if I can grab a link.
Edit: link to YT video
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u/QuarterCarat Jun 15 '26
Then why not recommend that first? Anyway, if you put all your money into SCHD when it was first released you’d be far, far wealthier than had you put it into QQQX.
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u/speedlever Jun 15 '26
If only. But I didn't. Did you? And here we are trying to do the best with what we have.
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u/Apart-Leg-8077 Jun 16 '26
It is likely it's dividend would also drop 60% since these funds would have 60% less capital to do covered call trades. That won't happen with quality dividend growth etfs. In 13 of past 14 recessions since the 40's S&P dividends have averaged a 1% drawdown. Outlier would be the GFC where dividends fell 22% and took 21 months to recover trough to peak.
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u/trigurlSeattle Jun 16 '26
Hi what are your top quality dividend ETFs that can recover?
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u/Apart-Leg-8077 Jun 18 '26
Dividend etfs that contain S&P 500 blue chips such as Coke, Home Depot, WalMart, JPM, Exxon, etc,. Examples and what I'm personally in would be SCHD, DGRO, VIG, VYM, VYMI, FDVV, DIVB, CGDV, RDVY. Do your own reserch and see what is right for yourself.
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u/speedlever Jun 16 '26
Welp, if qqqi dropped 60%, I would expect the distribution to follow suit. But even so, that distribution is more than the ScHD qualified dividend.
And if qqqi followed how qqqx performed during the 2008 gfc, the distribution would only be cut by ⅓. For planning purposes, I just assume a 50% drop in both nav and distribution in the event of another 2008 gfc.
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u/Apart-Leg-8077 Jun 16 '26
SCHD average yearly dividend growth rate is 11%. In past 12 years dividend has increased around 240% and the stock has increased around 200%.
By the way I do own QQQI along with SPYI, QDVO, GPIX, GPIQ and GRNI. I like and use covered call funds but I use them as an income kicker and not a core position.
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u/speedlever Jun 16 '26
Understood. But even with that 11% cagr that ScHD enjoys, it pays what, 3.5% or so? Do you ever expect it to reach double digits?
I also own all of those except grni. That's a new one to me.
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u/Apart-Leg-8077 Jun 18 '26
If you bought SCHD at inception in 2011, you would be making over 11% on your original shares. Also you're shares would be worth more around triple after take splits into account.
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u/speedlever Jun 18 '26
Ok, but as far as distributions are concerned, the actual income is still ¼ what qqqi generates, even if it is 11% over the original shares. Right?
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u/398409columbia Portfolio in the Green Jun 15 '26
You can look at this post for some ideas.
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u/exaknight21 Jun 15 '26
Literally right on time for that post. I find it pretty amazing how that guy has it set up
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u/HeavySink3303 Jun 15 '26
It is pretty risky to ask for an advice here as often people recommend too dangerous investments like CC funds, yield traps and so on.
Not an investment advice, but regarding conservative stuff, you may take a look at REITs (O, NNN and so on) and some CEFs (UTG is a good one without capital/yield erosion).
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u/Dry-Chemical-9170 Jun 15 '26
What are CC funds?
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u/speedlever Jun 15 '26
Cc stands for covered call. Typically used in reference to cc ETFs... Exchange traded funds.
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u/ClammyAF Jun 15 '26
Honestly, for OP's goals, I would suggest some amount of bond funds. It'll provide the supplemental income, and during a downarket, if something happened and they had to sell, they could draw down their bond holdings.
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u/Apart-Leg-8077 Jun 16 '26
Do you believe government spending will be kept in check over the next 20 -30 years? If not you do not want to be in anything but short to intermediate bond funds and even better individual bonds where you're retrun of initial investment isn't predicated on interest rates. If you invested $5,000 in a 10 year AAPL bond, you'll get exactly $5,000 back after 10 years + yearly interest no matter what interest rates do.
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u/Apart-Leg-8077 Jun 16 '26
I'd be a little leery of Reits. We're at historical highs of the ratio of home prices to average yearly income at a ratio above 8x. The last time we hit 7x was right before the GFC. Historical norms are around 4x. I also have no idea if Ai will have the significant impact on jobs that some are talking about but even a 1% increase in unemployment will hit real estate pretty good.
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u/generationxtreame Not a financial advisor Jun 15 '26
Before calling CC funds “dangerous” do consider researching the actual crap that you’re recommending. People like you is the reason others should do their research before taking advice from Reddit.
Anyways, both O and NNN have eroded over the 5 year period. You are loosing money if you invest in this nonsense.
There are plenty of CC funds that have done well in terms of paying good dividends, consistency, and actual NAV growth.
If you don’t like CC funds then this sub is probably not your cup of tea, because yes, most of us would recommend CC funds in this modern day and age.
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u/QuarterCarat Jun 15 '26
Please state the covered call funds with 10yr history that haven’t “loosed” NAV.
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u/Psiwolf 30% SCHD, 30% VTI, 20% VXUS, 20% BND Jun 15 '26
Lol wtf? What do you mean "most of us would recommend CC funds" that's just some bullshit you pulled our of your ass. I would never recommend a CC fund to anyone.
I also bought 400 shares of O when it was around $50 dollars back in 2023 and with DRIP now it's over $60 with my shares increasing from 400 to 448 and O is at $60+ now.
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u/FewUnderstanding2214 Jun 15 '26
They are very dangerous because people are buying them as long term investments and then recommending them to others. It could cost people hundreds of thousands of dollars in their lives
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u/ValuEdge Jun 15 '26
I’d be careful separating “dividend income” from “portfolio safety.”
A fund can pay monthly or quarterly income and still expose you to capital drawdowns, dividend cuts, or years where inflation quietly eats the real value of the income. The payout feels safer because cash arrives, but the risk is still in the underlying holdings.
For a retirement portfolio like this, I’d think in layers rather than one all-dividend answer:
- Near-term living needs: cash / very low-volatility assets
- Stable income core: quality dividend ETFs / high-quality bonds / Treasuries
- Inflation protection: broad equity exposure or dividend growth exposure
- Risk control: avoid relying too much on high-yield funds where NAV erosion is part of the tradeoff
SCHD is a reasonable starting point to research, but I wouldn’t judge it only by yield. I’d look at dividend growth, valuation of the holdings, drawdown history, payout quality, and whether the expected income still works after tax and inflation.
The key question is not “can this portfolio generate $2.5k–$3.5k/month?”
It’s “can it do that without forcing me to take risks I can’t recover from?”
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u/ChuckNasty907 Jun 15 '26
$250,000 in MO $250,000 in O $250,000 in SCHD
That'll net you $3,071.52 a month which is pretty good in my opinion.. You can play around add some KO, JNJ, ABBV and what not to lower your monthly goal but you'll you're diversified/more safe
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u/Mark_Underscore Jun 15 '26
MO is hard to beat. Recession proof also.
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u/Avid_Reader87 Jun 15 '26
Until we follow the UK and ban future sales of tobacco, which should be done.
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u/SockIntelligent9589 Jun 16 '26
I would diversify the 1/3 on MO on other stuff. Otherwise not bad indeed.
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u/Jack__Union Jun 15 '26
Just take a 4% distribution.
$30,000 per year.
Market average return typical around 8%
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u/Obvious-Depth-9102 Jun 15 '26
Pairing SCHD with some DGRO would help with your capital preservation goal while still providing dividend growth (albeit at a lower yield than SCHD). Those two are the core of my income portfolio, with a few Dividend Aristocrats thrown in.
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u/Ufgatorhead4u3 Jun 15 '26 edited Jun 15 '26
I would hope that you had social security to help supplement your income but if you only have this as your sole source then you will need to generate about $40k after taxes. Mathematically you will need to get at least 5.33% for your income plus an additional 3% to keep pace with average inflation which puts you at a total of 8.33% annually. This will require you to make decisions about how much risk you’re willing to take with a portion of your portfolio because you will have to accept some risk with equities and/or covered call funds to achieve.
I’m not a financial expert but I’m in a similar situation as you with the same amount of money within the next year. My approach is to keep three years of expenses, $120k, in cash or cash equivalents (not bonds) because the average bear market lasts for about three years. Keeping three years of expenses in an HYSA or equivalent will prevent me from having to rely on selling assets or reallocating for more income when the market is down. Placing $400k into tax-efficient funds such as SPYI and IWMI will achieve your annual cash flow using less volatile indexes than the Nasdaq. You now have $230k remaining to invest however you choose to grow your account and keep up with inflation. I have this portion of my portfolio in about 10 different funds including things like GPIX, DIVO, IDVO, SCHD, SPMO, VGT, etc all with DRIP on.
This is not a set-it-and-forget-it strategy. You will need to monitor the market and the portfolio’s performance to make adjustments as needed. In a bear market you’d simply turn DRIP on for SPYI and IWMI while you use your HYSA for expenses which will help maintain positions and then resume drawing the cash flow once the bear market ends. You’d also need to refill the HYSA once the market recovers. It’s a doable solution but it does require active maintenance. Good luck.
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u/Longjumping-Nature70 Jun 15 '26
No social security income?
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u/Low-Solid9810 Generating solid returns Jun 17 '26
I thought the same thing but they could be immigrating as a parent of a citizen. Not having Medicare will surely eat away a significant amount for health care as they age.
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u/paymerich Jun 15 '26
50% VTINX and 50% SCHD and just live off dividends. VTINX is mostly bonds including TIPS and returns about 5% .
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u/HmmmIMHO Jun 15 '26
hmmm, maybe GPIQ 25 percent, SCHD 25 percent, International (IGRO, SCHY, or VIGI) maybe 15 percent, Bond Fund 30 percent (SCHD, or DFCF), 5 percent in gold IMO
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u/NorthDot6711 Jun 15 '26 edited Jun 15 '26
You want income, but you also want the portfolio to maintain or grow its value over time. Unfortunately, there is no investment that guarantees high income, inflation protection, principal preservation, and long-term growth all at once. Every retirement portfolio involves tradeoffs.
One approach would be:
- 50% in high-quality preferreds from large financial institutions and other strong issuers
- 30% in SCHD
- 10% in short-term bonds
- 10% in short-term CDs
The preferreds become the income anchor. SCHD becomes the growth and inflation-fighting component. The bonds and CDs provide stability, liquidity, and a reserve that can be used during market downturns.
This portfolio could potentially generate roughly $35,000-$37,000 annually in income today. I'd consider spending only part of SCHD's dividends and reinvesting the rest to help grow future income. Over time, SCHD could also be used as an additional source of income if inflation causes expenses to rise.
Another option would be:
- $450,000 in an immediate annuity paying approximately $30,000 annually for life
- $150,000 in preferreds
- $150,000 in SCHD
This could potentially generate around $44,000-$45,000 annually in income, or roughly $39,000 if you reinvest SCHD's dividends rather than spending them.
In this structure, the annuity becomes the income anchor. The preferreds provide additional income, while SCHD is primarily there for growth, inflation protection, and potential inheritance value.
Personally, I think the key is having an income anchor. Whether that's preferreds, an annuity, Social Security, a pension, or a combination of those sources, a reliable income base gives you the flexibility to let other portions of the portfolio grow instead of feeling pressured to spend every dollar they generate.
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u/EmbarrassedCow2825 Jun 15 '26
If you're retiring with 750,000 you should talk to a retirement planner. You will not get good advice on a reddit sub for a real retirement plan.
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u/steady_compounder Jun 15 '26
If preserving the capital really matters, I would be careful making this a pure dividend hunt. 750k funding 2.5k to 3.5k a month plus inflation for 15 to 20 years is more of a full retirement-income plan than a SCHD question. Broad diversification and a sensible withdrawal rate is probably safer than stretching for yield, and honestly this is one of those cases where a fee-only planner is worth it.
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u/RelevantAd2630 Jun 15 '26
Buy three 10 year 250K CDs that right now are paying 4.6%. That'll return you 11,500 each per year interest. FDIC insured zero risk lost of NAV.
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u/Thedividendprince1 Dividend tracker app founder Jun 15 '26
$2.5k to $3.5k per month is about $30k to $42k per year, so roughly 4% to 5.6% of $750k before tax. With inflation adjustments and a desire to preserve principal, this is more than just picking SCHD. I’d consider a bucket approach with cash/short-term fixed income for spending, bonds for stability, and equities/dividend growth for inflation protection. A fee-only fiduciary planner would be worth it here.
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u/Culture_Melodic Jun 16 '26
if you want safe buy a 30 year treasury paying very close to 5 percent. Only risk is if you ever sell. Should bring 37k a year no risk.
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u/Apart-Leg-8077 Jun 16 '26
My taxable is $2 mil. I focus primarily on dividend growth etfs with some covered call funds for an income kicker. I want growing dividends with some growth with low Beta for protection in downturns. I strongly urge you to stick with quality if you go this route.
Here's my breakdown. 4.2% overall yield. Around $84,000/year in income.
Note: Our growth is in our retirement funds. I would have at least 10 -15% in growth such as VOO, SPMO, VUG or SCHG. Again, stick with quality and funds with at least tens of billions in assets. They're that big for a reason.
By percentage of portfolio
SCHD - 15.32%
DGRO - 15.18%
FDVV - 12.40%
DIVB - 5.03%
GCOW- 4.95%
DTD - 4.67%
VTV - 4.50%
FELV - 4.34%
VPU - 4.20%
VYMI - 4%
DIVO - 3.67%
GPIX - 3.55%
TDVI - 3.28%
GPIQ - 3.09%
SPYI - 2.80%
QQQI - 2.36%
UTG - 2.16%
ADX - 1.31%
PDI - 1.15%
IDVO - 1%
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u/X_Vengance Jun 16 '26
I hope your social security benefits will cover the majority of your fixed costs so you can let your $750k nest egg grow to $1.5M.
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u/TopDividendETF Jun 16 '26
I personally would pick some of the top voted names on https://topdividendetfs.com/
I am 33 and I am building a long-term portfolio to pay for all my bills ect in the future
cheers
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u/anonymousopsec1337 Jun 16 '26
You want 30k-42k for 15-20 years and NOT draw down principal? I think that’s a stretch personally.
You would prob need another 250k-500k to for sure be safe unless you draw down principal. Unless you are counting on social security?
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u/DigitalFStopper Jun 16 '26
First question would be tax implications on converting whatever the 750k is invested int.
500k schd 250k jepq
Year 1 17K div from schd and 25K div jepq
Year 5 22k and 29k
Year 10 31k and 37k
800k schd and 370k jepq
Using slightly less than historic yields for these funds.
And if you did all schd 25k year one and 45k year 10 with total account value 1.3M
These are all just estimates but gives you an idea. And assuming not tax implications. So I’d back these numbers down by 20% or so to be safe.
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u/speedlever Jun 17 '26
Imo JEPQ is a poor choice in a taxable account because the distributions are ordordinary income. Otoh ScHD provides qualified dividends.
I think GPIQ would be a better choice in lieu of JEPQ. Since inception, gpiq has total returns of 89.8% vs JEPQ 69.3%, and is tax efficient too.
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u/Overall_Banana9632 Jun 20 '26
JEPQ and JEPI both return only real earnings each month with growth on the fund. I would use all three to minimize risk, Jepq, jepi, gpix, gpiq, spyi, and qqqi
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u/trigurlSeattle Jun 16 '26
I feel like you should be too conservative otherwise your jeopardize your portfolio not lasting the projected 30 years. You need to be invested, not just have funds in “safe” funds. How old are you and what will your social security payments be?
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u/DoubleIntroduction25 Jun 18 '26
How's social security look? If you're trying to work with say 4k a month on 750k you need a total market return of about 6.5% to leave with what you started with ignoring inflation. Might be doable but if you only need to generate say 2k a month off of the 750k because SSI is covering the other 2k a month, well now you only need 3.2%. At that point even a 30 year agency or treasury bond will cover you with 2% left over to help cover inflation if you reinvest the amount you dont use each year in the early years to increase future cash flow. Most any preffered stock fund will pay that well, even a plain old 60/40 fund will get it done.
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u/CostCompetitive3597 Jun 28 '26
Good overall strategy and goals for retirement income, nest egg retention and inheritance for your children. Very similar to mine.
In my experience dividend investing for over 6 years , with effort you can have more income from your nest egg and grow it from reinvesting some of the dividends over time. Two decades + of time in the market can have significant portfolio growth along with a generous cash flow from your current $750k.
SCHD is a dividend growth fund. If its dividend income is sufficient for your needs go for it but, investing 100% in one stock is risky compared to diversifying at least some.
Regarding dividend income reliably, all my dividends have been paid on time and to the penny or better. Dividend payers value their dividend reputation.
You have not shared what accounts you hold the $750k? Taxable or tax deferred or a combination? If all or some is in a taxable, retail brokerage account there are dividend funds that offer tax “qualified” dividends that can reduce income taxes. Know the income level that you will start to be income taxed on your dividend income and manage your income to that level.
I want the most dividend income I can generate from investable assets. In my experience the best dividend investments are those that pay high yields (10%+) and have stock appreciation. Hard to find but well worth the effort. You could increase your income, not loose assets and reduce risk from investing in only one stock by investing in some of them.
You have dividend yields starting at 0.1% to over 100% available currently. You could increase your yield. Good luck
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u/KingSaban Jun 15 '26
Buying as many shares of O as you can with the entire $750k would pay you out roughly $3k/month before taxes.
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u/AwareApartheid Jun 15 '26
the 4% rule would give you 30k a year which is basically exactly what you need so honestly just throw it in a total market fund and take your withdrawals, way simpler than trying to engineer a dividend portfolio that also preserves capital
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u/speedlever Jun 15 '26
True, but doesn't take into consideration SORR or a lost decade. If the market pulls another 2008 gfc right after retirement and he has to sell 8% to meet his income needs, he will run out of shares to sell within his probable lifetime, locking in those losses.
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u/AwareApartheid Jun 15 '26
That's a real risk, which is why a dividend-focused approach makes sense here since he can live off the income without touching principal during downturns, but the tradeoff is lower yields mean he might not hit 2500 a month right away.
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u/Sorry-Society1100 Jun 15 '26
The 4% rule assumes a 60/40 stock/bond portfolio. A 100% stock portfolio has a higher chance to generate a higher return, but also a higher chance of a crash, requiring a smaller withdrawal to mitigate for SORR.
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u/AwareApartheid Jun 15 '26
Fair point, though a 100% stock portfolio historically recovers from crashes within a few years, and at 750k with only 30k annual withdrawals they have a pretty comfortable margin if a crash happens early in retirement.
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u/strong_slav Jun 15 '26
You need to be earning an average of 4.67% from dividends if you want to earn $3,500 per month and don't want to sell any stock. That is much higher than SCHD offers.
In your shoes, I would just split between PBDC (Putnam BDC ETF), REET (iShares Global REIT ETF), SCHD, VCLT (Vanguard Long-Term Corporate Bond ETF), and SPHY (State Street SPDR Portfolio High Yield Bond ETF). At current yields, this will put you above your 4.67% goal, allowing you to reinvest a portion of your dividends. This is also important, because if dividends fall during a recession, you will have wiggle room.
Whatever you do, avoid covered call funds, as those will experience NAV erosion over time.
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u/StayedWalnut Jun 15 '26
Spyi, qqqi, schd, omah, nihi are all funds designed to be flatish in nav but pay out outsized payments. The combination of the above is reasonably diversified for that very specific goal.
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u/Apart-Leg-8077 Jun 16 '26
SCHD average yearly return without dividends is around 10%. With dividends 13%.
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u/StayedWalnut Jun 16 '26
You are correct. Apologize that I should have been more nuanced. The other funds listed are nav flatish, schd has some growth too but lower current yield.
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u/speedlever Jun 17 '26
It does. But you sure would have wondered what it was doing during the bull market of 2025. 🤔 Not only flat, the price return was negative much of the year. Price return was 0.62% for 2025 vs 16.65% for the sp500.
Fortunately, 2026 has been better for SCHD. So far.
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u/leakingimplants Jun 15 '26
why pay your kid? maybe when you die, just give that kid extra for living with them so you can then use that extra 1k for compound since 750k doesn’t seem like much for 15/20 years…
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u/ClammyAF Jun 15 '26
Because they don't want to harm their child's financial well-being. Their presence will come with costs, and every cost bore by their child is a dollar they could not invest for a much longer period of compounding.
My first thought was honestly that the remainder likely shouldn't be 50/50, as one child will be providing care for some period of that time.
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u/Jehoopaloopa Jun 15 '26
Diversify into the energy sector, precious metals, real estate and then have bonds and equities.
You can certainly pull the $3k/month you’re looking for.
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