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Model portfolio · Roth IRA / 401(k)
Steady Earner model portfolio
Diversified dividend payers across sectors — built for predictable income, not chase.
Portfolio yield3.79%Weighted average, live
Portfolio safety7.0/10Weighted average, 0-10
Income on $100K$3,789/year, pre-tax
Holdings8Tickers in this model
The holdings
| Ticker | Weight | Yield | Safety |
|---|---|---|---|
| SCHD · Schwab U.S. Dividend Equity ETF | 25% | 3.30% | 7.9/10 · Solid |
| JNJ · Johnson & Johnson | 10% | 2.09% | 8.0/10 · Strong |
| PG · The Procter & Gamble Company | 10% | 3.01% | 7.0/10 · Solid |
| KO · The Coca-Cola Company | 10% | 2.42% | 8.0/10 · Strong |
| O · Realty Income Corporation | 15% | 5.09% | 5.8/10 · Mixed |
| MAIN · Main Street Capital Corporation | 10% | 8.05% | 3.4/10 · Risky |
| 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.
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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.