Assuming you start with a 4% withdrawal rate and $72,000 in annual income, focusing on Social Security benefits takes on a higher priority. As it stands at the end of 2025, the average monthly benefit for Social Security recipients is approximately $1,920 or $23,000 annually, and this number roughly doubles for couples. Assuming these numbers are realistic, this would give someone with $1.8 million in household income an annual pre-tax income of between $110,000 and $120,000.Conservative planners who want t ...

When you factor in Social Security, the financial picture can be a little better, as the average monthly benefit currently sits around $1,920 or an extra $23,000 in annual income. For higher earners, or those who have a $2 million portfolio, the benefit can reach as much as $4,000 monthly or around $48,000 per year, and a couple with dual benefits can go as high as $60,000. This means that you can take a $2 million portfolio and generate as much as $148,000 annually, which should provide a pretty comfortabl ...

izzuanroslan / Shutterstock.com For investors, coming out of 2025 might be a lesson that volatility is here to stay, which makes how to tackle 2026 investment decisions all the more critical. Investing strategies that were once "set it and forget it" no longer apply, and neither does being able to put your money into a few single stocks and just watch for growth returns. Quick Read Fidelity High Dividend ETF yields 3.04% and posted 22% dividend growth in the last year. Fidelity Total Bond ETF offers ...

Core Viewpoint - Dividend-paying stocks provide three avenues for profit: capital appreciation, cash dividends, and increasing payouts over time, making them attractive investments [2]. Group 1: Overview of Dividend-Focused ETFs - Fidelity offers three notable dividend-focused ETFs that have outperformed the S&P 500 while providing higher dividend yields [1][3]. - The ETFs are designed to reflect the performance of dividend-paying companies, focusing on both growth and income [7]. Group 2: Performance and Key Metrics - Fidelity High Dividend ETF (FDVV) has a recent dividend yield of 3.02% and a 5-year average annual return of 16.34% [6][7]. - Fidelity International High Dividend ETF (FIDI) boasts a higher dividend yield of 4.30% and has performed well due to a weakening dollar [10][11]. - Fidelity Total Bond ETF (FBND) offers a dividend yield of 4.60%, focusing on diversification through bonds [13][14]. - Vanguard S&P 500 ETF (VOO) has a lower dividend yield of 1.12% but is included for comparison with the Fidelity offerings [15]. Group 3: Investment Requirements - To generate $100,000 in annual dividends from FDVV, an investment of approximately $3.125 million is needed [9]. - For FIDI, an investment of about $2.3 million is required to achieve the same annual dividend income [12]. - The Total Bond ETF requires around $2.18 million for $100,000 in annual dividends [14]. - The Vanguard S&P 500 ETF necessitates over $8 million for the same dividend income target [15].

Core Insights - The Fidelity Total Bond ETF (FBND) is favored by investors seeking steady monthly payouts with a yield of 4.62% and a focus on stability through investment-grade bonds [1][3] - Investors looking for higher returns can explore Fidelity's high-yield ETFs, which offer yields in the mid-six percent range, providing stronger cash flow despite increased risk [2][4] Fidelity Total Bond ETF - Classified in the intermediate core-plus category, the Fidelity Total Bond ETF prioritizes stability and holds about 80% of its assets in investment-grade bonds [3] - The fund's conservative approach results in a yield comfortably in the 4% range, appealing to income-oriented investors [4] High-Yield Alternatives - The Fidelity Enhanced High Yield ETF (FDHY) offers a yield of 6.59%, doubling that of the Fidelity Total Bond ETF, and is designed for investors willing to take on additional credit risk [5][6] - The Fidelity Sustainable High Yield ETF (FSYD) provides a yield of 6.53% with a focus on sustainability, appealing to investors who prioritize ESG considerations [7] Other Bond ETFs - The Fidelity Limited Term Bond ETF (FLTB) has a yield of 4.31% and is similar in strategy and risk to the Fidelity Total Bond ETF, but with shorter average maturities, making it resilient during rate volatility [9][10] - This ETF pays out an annual dividend of $2.18 and has shown strong dividend growth of around 9.37%, serving as a stabilizing option between conservative and high-yield investments [11]

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