VTI current yield is 1.11%. BND is at 4.13%. A 60/40 portfolio of those two is closer to 2% yield.A mix of total stock market and a diversified bond fund will give you around 4% without dividend chasing and the associated risk. That's good enough for me. Obviously over time yields change, so you adjust as you go along. Or (clutch pearls) you sell some funds as needed.
Not that complicated.
Statistics: Posted by Da5id — Sun Jan 04, 2026 8:44 am — Replies 86 — Views 4593