What was the 2026 COLA adjustment?

The 2026 cost-of-living adjustment was 2.8%.

How much capital is needed to replace Social Security with a 4% yield?

You need about $624,300 invested at a 4% yield to match the annual income of $24,972.

Which stocks can help generate this income?

Stocks like AbbVie (ABBV), Coca-Cola (KO), and Verizon (VZ) offer attractive dividend yields.

Social Security Pays $2,081/Month: How Much to Invest to Match It?

The average Social Security retirement benefit hit $2,081 per month after a 2.8% COLA. Replacing that income with dividends requires a significant investment portfolio, depending on yield.

July 3, 2026

2 min read

Source: 24/7 Wall St.

Key Numbers

average monthly benefit

$2,081

cola adjustment

2.8%

According to 24/7 Wall St., the average Social Security retirement check reached $2,081 per month as of April 2026, reflecting a 2.8% cost-of-living adjustment effective January 2026. The question for investors: how much capital is needed in dividend-paying stocks to match that monthly income?

Details

The math is straightforward: divide the annual income needed ($24,972) by the dividend yield. For a 4% yield, about $624,300 is required; for a 3% yield, about $832,400. Stocks like AbbVie (ABBV) yield over 4.5%, Coca-Cola (KO) around 3.2%, and Verizon (VZ) above 6%.

Context

While high-yield stocks can help generate income, investors must consider dividend sustainability and market risk. Diversification across sectors and regular portfolio reviews are recommended.

What It Means for Investors

Retirees can combine Social Security with dividend income to meet expenses, but should not rely solely on past yields. A balanced approach with professional advice is prudent.

Frequently Asked Questions

The average Social Security retirement check was $2,081 per month in April 2026.

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This article was rewritten in Wrqti's editorial style based on information from the original source above. Content is informational only — not investment advice.