Realty Income (O) and EPR (EPR) clear the 4.63% Treasury yield bar with covered monthly dividends and AFFO growth of 4% and 15%. If the 10-year Treasury retreats to its 12-month average of 4.28%, AGNC's projected ROEs of 15% to 17% make it the biggest rate-relief beneficiary. It sounds nuts, but SoFi1 is giving new Active Invest users up to $3,000 in stock for a limited time, and all it takes is a $50 deposit to get started.2 See for yourself (Sponsor) Retirement income investors face a familiar tension in August 2026: the 10-year Treasury yield sits at 4.63%, in the 92.7th percentile of the past year, which raises the bar for every income-paying equity.
Monthly-pay REITs still clear that bar when they combine covered payouts, disciplined balance sheets, and forward AFFO growth. Three names stand out heading into the second half of the month, each solving a different problem in a retirement portfolio: scale and consistency, high current yield, and growth-driven experiential exposure. Two structural reminders before the picks.
REITs must distribute the majority of taxable income, so payout coverage is best measured against AFFO or FFO rather than GAAP EPS. And monthly cadence, while psychologically attractive, only matters if the payout is durable. Each name below is stress-tested against those criteria.
Realty Income (NYSE:O) remains the anchor holding for retirees who want monthly cash without headline risk. Shares traded at $62.74 as of August 14, 2026, translating to a 14.69% year-to-date gain before dividends. The current $0.271 monthly payout annualizes to $3.252, and the last ex-date fell on July 31, 2026, with payment on August 14.
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The Q2 story reinforces why the nickname The Monthly Dividend Company still fits. Management raised full-year AFFO per share guidance to $4.44 to $4.45, roughly 4% growth at the midpoint, and lifted 2026 investment volume guidance to $10 billion. Q2 investments closed at a 7.3% initial weighted average cash yield, with portfolio occupancy at 98.8% and rent recapture of 102.7%.
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