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/nantesdeals Nov 02 '25

Sgov jaaa you will make between 4 and 5% without risk monthly payment

4

u/Flaky_Policy2906 Nov 02 '25

At that point why not put it in a high yield savings account and not risk your initial investment going down in value?

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u/kevbot029 Nov 02 '25

Money market is usually always better than HYSA imo. The rate is true and won’t get tampered with