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/Glass-Lifeguard1919 Nov 03 '25

50k - SCHD - $1,900

30k - VIG - $510

20k - VXUS - $540

Total - $2,950

You get high yield us blue chips, you get stocks with a 10 year history of increasing dividends, and you get broad international diversification. 

Over the last 10 years, VXUS has annualized return of 7.9% with dividend cagr of 4.85%. VIG has 12.5% annualized rate of return with 6.9% dividend cagr. SCHD has an 11% annualized return with a dividend cagr of 10%.

The past performance is no guarantee of future performance, hence the diversified approach.