10k a month on divvy

 To achieve $10,000 in monthly dividend income (equating to $120,000 annually), you’ll need a portfolio yielding approximately 5.6% on average. This requires a total investment of about $2,143,000, assuming the yields hold steady. Dividends aren’t guaranteed and can fluctuate based on company performance, economic conditions, and other factors—consider taxes, fees, and reinvestment options as well.

I’ve constructed a diversified portfolio using 8 monthly dividend-paying stocks, primarily REITs and one BDC, selected for their track records of consistent payouts, sector variety (retail, industrial, experiential, hospitality, healthcare, grocery), and relative safety. These were drawn from top-ranked lists of monthly dividend stocks. 8 9 The data below reflects closing prices and dividends as of November 10, 2025.

Assuming an equal allocation (12.5% per stock, or roughly $268,000 invested in each), the portfolio would generate approximately $10,000 monthly. Here’s the breakdown:

Portfolio Components

1. Realty Income Corp. (O)
• Sector: Retail REIT
• Current Price: $56.38
• Monthly Dividend: $0.2695
• Annual Yield: 5.74%
• Investment: $268,000 → Shares: ~4,753
• Monthly Income: ~$1,281
2. Main Street Capital Corp. (MAIN)
• Sector: Business Development Company (BDC)
• Current Price: $58.70
• Monthly Dividend: $0.26
• Annual Yield: 5.32%
• Investment: $268,000 → Shares: ~4,565
• Monthly Income: ~$1,187
3. Agree Realty Corp. (ADC)
• Sector: Retail REIT
• Current Price: $73.43
• Monthly Dividend: $0.262
• Annual Yield: 4.28%
• Investment: $268,000 → Shares: ~3,649
• Monthly Income: ~$956
4. STAG Industrial Inc. (STAG)
• Sector: Industrial REIT
• Current Price: $38.93
• Monthly Dividend: $0.124167
• Annual Yield: 3.83%
• Investment: $268,000 → Shares: ~6,883
• Monthly Income: ~$855
5. EPR Properties (EPR)
• Sector: Experiential REIT
• Current Price: $51.08
• Monthly Dividend: $0.295
• Annual Yield: 6.93%
• Investment: $268,000 → Shares: ~5,247
• Monthly Income: ~$1,548
6. Apple Hospitality REIT Inc. (APLE)
• Sector: Hotel & Resort REIT
• Current Price: $11.83
• Monthly Dividend: $0.08
• Annual Yield: 8.11%
• Investment: $268,000 → Shares: ~22,654
• Monthly Income: ~$1,812
7. Healthpeak Properties Inc. (DOC)
• Sector: Healthcare REIT
• Current Price: $17.70
• Monthly Dividend: $0.10167
• Annual Yield: 6.89%
• Investment: $268,000 → Shares: ~15,141
• Monthly Income: ~$1,540
8. Phillips Edison & Co. Inc. (PECO)
• Sector: Grocery-Anchored Retail REIT
• Current Price: $34.94
• Monthly Dividend: $0.1083
• Annual Yield: 3.72%
• Investment: $268,000 → Shares: ~7,673
• Monthly Income: ~$831

Summary

• Total Investment: ~$2,143,000
• Average Yield: 5.6%
• Projected Monthly Income: ~$10,010 (slight variance due to rounding shares; adjust purchases for precision)
• Diversification Notes: Heavy on REITs for stable real estate income, with one BDC for exposure to private lending. This setup provides monthly cash flow without selling shares. Monitor for interest rate changes, as REITs can be sensitive. If your risk tolerance or capital differs, scale accordingly or swap in alternatives like adding more BDCs for higher yields.