Four-Stock, 9.6% Yield Plan Lets $400K Deliver $2,500/Month in Retirement Income
An illustrative $400,000, four‑position income portfolio across ARCC, MAIN, Realty Income (O), and Enterprise Products Partners (EPD) targets a 9.6% blended yield and could generate about $30,350 per year ($2,530 per month) in regular dividends, with MAIN’s supplemental payments potentially lifting annual income to about $7,500 in years when paid. The plan trades growth for income, relies on higher‑risk credit exposures from BDCs, includes tax considerations (EPD’s distributions come with K‑1s), and may not sustain the high cash flow during a recession without price appreciation or heavier ARCC weighting. Personal risk tolerance and tax situation should guide any implementation.
