Model portfolio · Roth IRA / 401(k)
Steady Earner model portfolio
Diversified dividend payers across sectors — built for predictable income, not chase.
The Steady Earner model portfolio portfolio yields 3.59% in aggregate — meaning every $100,000 invested generates roughly $3,594 per year in dividend income before tax. The portfolio's weighted safety score of 7.3/10 reflects a conservative tilt toward well-covered, growing dividends. Diversified dividend payers across sectors — built for predictable income, not chase.
The two largest positions — SCHD (25%) and O (15%) — together account for 40% of the portfolio. SCHD yields 3.24% with a 7.9/10 safety score; O yields 5.79% with a 5.8/10 safety score.
The holdings
| Ticker | Weight | Yield | Safety |
|---|---|---|---|
| SCHD · Schwab U.S. Dividend Equity ETF | 25% | 3.24% | 7.9/10 · Solid |
| JNJ · Johnson & Johnson | 10% | 2.03% | 8.0/10 · Strong |
| PG · The Procter & Gamble Company | 10% | 2.75% | 7.5/10 · Solid |
| KO · The Coca-Cola Company | 10% | 2.31% | 8.0/10 · Strong |
| O · Realty Income Corp. | 15% | 5.79% | 5.8/10 · Mixed |
| MAIN · Main Street Capital Corporation | 10% | 5.82% | 5.6/10 · Mixed |
| XOM · ExxonMobil Holdings Corporation | 10% | 2.65% | 8.0/10 · Strong |
| SO | 10% | — | — |
Why this mix
Solid yield, multiple sectors, multiple cash-flow profiles.
Best account: Roth IRA / 401(k)
See the descriptive write-up of this archetype on the investor-archetypes page for the behavioral context — what kind of investor naturally lands here, and what to watch for.
Other model portfolios
How close is your current portfolio to this model?
Connect your brokerage — Infnits overlays this steady earner model portfolio on your existing holdings, flags overlap, and adjusts the gap-to-fill for your bracket and account types.