FTSE 100 shares generally is a good method to generate earnings in addition to progress, particularly when retirement is coming into view.

Individuals of all ages purchase earnings shares, with many reinvesting their dividends to generate extra progress. However for these hitting 60, the main focus usually shifts to harvesting these dividends as earnings. 

Dividends aren’t assured, and share costs can swing about, however the long-term potential for rising earnings and capital progress makes them value a better look. Proper now, three high names are throwing off yields of 6% or extra.

Aviva has been rising too

Insurer Aviva (LSE: AV) has been on a tear. Its share price is up 20% over the previous 12 months and a staggering 150% over 5 years. 

The latter determine is flattered by the truth that it dates again to the beginning of the Covid pandemic, when shares typically have been down within the dumps.

Buyers shouldn’t anticipate a repeat efficiency, however as comfort there’s a beneficiant dividend yield of 6.2%, paid out of steady recurring earnings.

The Aviva share price isn’t as low cost because it was, with a price-to-earnings (P/E) ratio of round 24. And there are dangers, as right now’s market volatility hits the worth of belongings below administration. It additionally faces competitors from FTSE 100 rivals, who’ve trailed recently however might play catch-up. There could also be some volatility, however there’s plenty of potential earnings too.

Land Securities is preventing again

Land Securities Group (LSE: LAND) is among the UK’s greatest actual property funding trusts (REITs), proudly owning all the pieces from London workplaces to retail parks. 

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Landsec has confronted a triple whammy from greater rates of interest, the working from residence development and rise of e-commerce. The share price remains to be 12% decrease over the past 12 months, and down 7% over 5. And that’s regardless of leaping 20% within the final month.

The group is pivoting in the direction of residential property, and early indicators counsel tenants are coming again to its industrial websites. 

Final week’s rate of interest minimize provides some optimism, whereas the yield is a tempting 6.6%, with a P/E of round 12.

The troubled UK financial system nonetheless casts a cloud, and Britons aren’t buying like they have been. However affected person traders may contemplate shopping for for the earnings whereas they look forward to brighter instances.

Rio Tinto has misplaced some shine

Rio Tinto (LSE: RIO) is one other excessive yielder that’s fallen from grace recently, down 20% over the previous 12 months. 

China’s financial slowdown has hit it arduous, lowering demand for metals and minerals. Tariffs haven’t helped, nor has the specter of a US recession.

However I nonetheless suppose there’s a stable long-term case right here. Rio is a key provider of copper, lithium, aluminium and iron ore, that are very important for electrification, clear power and AI infrastructure. 

The shares commerce at below 9 instances earnings and supply a yield of 6.9%. In its newest replace, printed 4 February, Rio reported money circulation from operations of $11.8bn and maintained its sturdy stability sheet.

These three shares every supply one thing completely different, however all throw off wholesome earnings. They’re not the one FTSE 100 earnings performs doing nicely both. And a few yield much more than 6%.