{
  "id": 4297468,
  "title": "How a 78-Year-Old Collects $5,300 a Month From Just Three Tickers: SCHD, HTGC, and NNN",
  "url": "https://urgent.news/2026/08/29/how-a-78-year-old-collects-5-300-a-month-from-just-three-tickers-schd",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-29T22:38:54.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/stocks/articles/78-old-collects-5-300-223854562.html"
  },
  "original_language": "en",
  "account": "A 78-year-old man draws $5,300 per month from a portfolio, totaling $63,600 annually. This income is relatively simple to achieve, as it can be generated from three distinct investment vehicles: the SCHD ETF, the HTGC business development company, and the NNN REIT. Each of these investments requires vastly different capital amounts to achieve the same income target.\n\nThe SCHD ETF, a dividend-focused fund, offers a yield of around 2.9%. To generate $63,600 in income, an investor would need approximately $2.19 million in capital, assuming a 2.9% yield. Over the past decade, SCHD has achieved a total return of 244%, making it an attractive option for retirees seeking both income and potential capital appreciation.\n\nThe NNN REIT, on the other hand, provides a higher yield of about 5.4%. To generate $63,600 in income, only around $1.18 million in capital is needed. NNN has a strong track record of dividend growth, with the current distribution increasing by $0.62 per share. However, NNN's yield is more susceptible to inflation and economic fluctuations than SCHD.\n\nLastly, the HTGC business development company offers the highest yield at approximately 10.8%. To achieve $63,600 in income, investors would need around $589,000 in capital. However, HTGC's yield is more volatile, having remained nearly flat at $0.47 per share since 2023. Despite this, HTGC's base distribution is currently covered by 125% of net investment income, providing a sense of security to investors.\n\nIn summary, three distinct investment vehicles – SCHD, NNN, and HTGC – can each provide a retiree with $63,600 in annual income. However, the capital required to achieve this income varies significantly, ranging from $589,000 to $2.19 million, depending on the investment vehicle. SCHD offers the highest likelihood of capital appreciation, NNN provides a balance of current income and growth, while HTGC delivers the highest yield at the cost of potential volatility.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}