Utility companies remain a core choice for yield investors, with median dividend yields above 3.8%. "Investing for income" here benefits from regulated revenue models, which ensure predictable performance versus cyclicals in the current volatile interest rate environment. He noted that if Theresa is living on a fixed or very low income, she’s probably not spending a lot each month — which means she doesn’t need to replace a large income. This realization, he hopes, will ease her anxiety. Bankrate is always editorially independent. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money . Our Bankrate promise is to ensure everything we publish is objective, accurate and trustworthy. Tech-sector dividends remain modest, but "investing for income" in semiconductor firms could see 12–15% annual growth, given strong free cash flow guidance. With the Nasdaq stabilizing above 14,000, mature tech firms like Intel and Cisco attract yield-focused portfolios despite volatile growth valuations.