# How Much to Invest for $125k Dividend Retirement

> 60-year-old needs $1.43m invested to replace $125k salary with dividends without selling shares.
- Title: How Much to Invest for $125k Dividend Retirement | Shortify
- Summary: 60-year-old needs $1.43m invested to replace $125k salary with dividends without selling shares.
- Keywords: dividend portfolio, retirement income, nasdaq-100 premium income etf, fs kkr capital, stag industrial, oneok, ishares high yield corporate bond etf, dividend yield, investment strategy, retirement planning, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/11/10/how-much-does-a-60-year-old-need-invested-to-replace-a-125000-salary-with-dividends-and-never-sell-a-share
- Author: David Beren
- Published: 2026-11-10T20:07:07+00:00
- Read time: 1 min
- Topics: dividend portfolio, retirement income, nasdaq-100 premium income etf, fs kkr capital, stag industrial, oneok, ishares high yield corporate bond etf, dividend yield, investment strategy, retirement planning
## Portfolio Rule for Retirement
A 60-year-old stops drawing $125,000 salary and sets rule to never sell a single stock.
## Portfolio Yield and Target
Six holdings yield 8.7% to generate $125,000 annually, requiring $1.43 million invested.
## Goldman Sachs Nasdaq-100 Premium Income ETF
GPIQ yields 10.7% with 25% income, dropped 8% but pays monthly checks from $0.43 to $0.52.
## Amplify CWP Growth & Income ETF
QDVO yields 11.6% with 20% income, shares fell 7% but has two-year track record.
## STAG Industrial
STAG rents warehouses with 96% leased, yields 4.2% but checks now quarterly at $0.3875.
## FS KKR Capital
FSK yields 14.8% with 26% income, cut dividends 37% to $0.48 quarterly in 2026.
## ONEOK
ONEOK pipeline yields 4.9% with 9% income, quarterly dividend rose from $0.935 to $1.07.
## iShares High Yield Corporate Bond ETF
HYG yields 6.2% with 14% income, monthly checks from $0.34 to $0.44.
## Cash Reserve for Stability
Portfolio needs $23,700 cash reserve to cover one holding’s income gap during downturns.
## Key takeaway

A 60-year-old needs $1.43 million invested to replace a $125,000 salary with dividends without selling shares.