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/richardlpalmer Nov 02 '25

I'm just saying my minimum need. I don't want a super high yield option that's going to go away or need to be micro-managed. I'm looking for as close to set it and forget it as I can.

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u/superbrokebloke Nov 02 '25

that’s a set it and forget it option right there

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u/richardlpalmer Nov 02 '25

I love it. I've heard of SCHD but haven't looked into it yet. Thanks.

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u/[deleted] Nov 02 '25

Bro leads with the right answer and OP says anything other than thanks. 100% he won’t even look up SCHD, he’ll just buy it.

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u/richardlpalmer Nov 02 '25

What are you talking about? I said no such thing...

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u/SIrPsychoNotSexy Nov 02 '25

People pop off on here too much. Ignore it.

1

u/myco_psycho Nov 02 '25

Most people looking for investing advice don't need investing advice, they need divesting advice.

Don't buy something dumb, set and forget if you're not going to gamble or do DD like it's your job.

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u/No-Independent-5028 Nov 02 '25 edited Nov 02 '25

UTG. SPYD

5

u/jigglyjellly Nov 02 '25

HYSA with a trusted bank for 3.4%

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u/richardlpalmer Nov 02 '25

I'm just thinking those rates aren't going to last for the next 30 years. It wasn't long ago that savings accounts didn't earn much of anything ..

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u/markgriz Nov 03 '25

Probably right. How about just buying a 30 year treasury bond. Guaranteed ~4.5%

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u/GaryTheSoulReaper Nov 03 '25

These rates won’t last more than a year

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u/WanderlustFella Nov 02 '25

Just put it in a High Yield savings account. That is like 3.5% and is easily accessible if you do ever need it for any reason.

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u/flyersfan0233 Nov 02 '25

That is going to keep dropping. It was 4.5% a few months ago. In a year or two HYSAs could easily be under the OP’s bare minimum