Your Wealth Questions

Retirement Income Question

Q: Is there any way to make 3% annual income on $200,000 and still protect the principle? Or is this just impossible? I am retired and would like a bit more income each year.

There is a way to make close to 3% by buying the 10-year treasuries now that are trading around 2.85%. They are a risk-free debt instrument of the Federal Government and generally are state tax-free. In theory, as long as you hold them to maturity there is no risk to principal. Hopefully, this helps explain one of your options. There are some other options we can talk through if you would like, feel free to schedule a consultation to talk.

 

Ready when you are

Build your customized strategy with our team.

Start with a conversation about your goals, questions, and how a holistic plan could simplify your financial life.

Schedule an intro call

Continue reading

View all articles
Retire Sooner Podcast

Retire on $500,000? Car Costs & Social Security

November 5, 2026
Money Matters Podcast

Net Worth by Age: How Do Your Numbers Compare?

November 5, 2026
Retire Sooner Podcast

Retirement Account Security: AI Risks & Roth Conversions

October 29, 2026
market declines in retirement
Blog

Market Declines in Retirement: Why Withdrawals Change the Math

October 28, 2026