Building a $100,000 Retirement Portfolio for Monthly Payouts
The article addresses retirement cash-flow concerns and proposes using monthly dividend-paying real estate investment trusts and business development companies. It illustrates a hypothetical $100,000 portfolio split equally among four such investments, which would produce roughly $5,873 annually, or about $489 per month. Agree Realty is cited as one example, with a 4.87% forward yield and a net-lease retail portfolio.
The article responds to retirement cash-flow anxiety: a 2025 Northwestern Mutual study found 51% of Americans think they may outlive savings. It contrasts quarterly distributions with monthly household expenses.
The hypothetical $100,000 portfolio divides $25,000 among four monthly-paying REITs and BDCs. Agree Realty, one example, has a 4.87% forward yield and a net-lease retail portfolio; the group would produce about $5,873 yearly, or $489 monthly.
This story may resonate with retirees and near-retirees who rely on savings for regular bills, especially those worried about outliving assets. A monthly-income approach could make budgeting feel more manageable, but concentration in REITs and BDCs may expose them to sector, tenant, and market risks. Its broader impact could be modest, shaping how some individuals compare payout frequency and yield, while reminding others that higher income often comes with trade-offs.