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Dividend investing is one way to achieve these objectives. The strategy can help preserve your capital over long periods of time and generate a growing income stream regardless of market conditions. The Wall Street Journal provided a practical example of how dividends can help fuel a healthy and sustainable retirement.
After about 21 years, your bond portfolio would be fully depleted. Most importantly, you would still own all your stocks. Assuming you retired no sooner than the age of 60, you would now be in your 80s and have a healthy amount of funds left for the rest of your retirement. Let's take a closer look at the benefits and risks of leaning on dividend income in retirement. There's nothing necessarily magical about dividends. As an asset class, we would expect dividend stocks to deliver long-term total returns that are not all that different than the returns of the broader market.
The key difference is that more of the return comes from income rather than price appreciation. This can reduce volatility and make it psychologically easier for retirees to stay the course during times of turbulence. If your dividend income stream remains intact and you can make ends meet without needing to touch principal, there's some comfort in knowing you are unlikely to outlive your savings or face major setbacks if the market's performance is poor, particularly during the crucial early years of retirement.
Simply put, depending on companies that pay safe and growing dividends for retirement income alleviates many of the worries that come with the ups and downs of the market. Focusing on growing dividend income rather than the noise caused by volatile stock prices fits well with a long-term investment strategy and removes some of the emotional risk associated with investing, such as panic selling during downturns.
While a portfolio of dividend growth stocks will experience some variability in market value like any other equity-focused strategy, the income that a quality portfolio churns out should consistently grow over time. Many investors enjoy the simplicity of this approach compared to a systematic withdrawal system for retirement income. Which situation sounds more stressful — the investor who lives off cash flow produced and distributed by his investments each month, or the investor who must estimate a safe withdrawal rate in a variety of market conditions and then select which assets to sell to generate enough cash flow each year?
Living on dividend income in retirement can make it easier to stick to a plan by providing passive cash flow without incurring the stress of figuring out which assets to sell and when, especially if another market crash is around the corner. As long as there is no reduction to the dividend, passive income keeps rolling in regardless of how the market is behaving. But the company's fundamentals remained supportive of its dividend orange bars , providing income investors with steadily growing paychecks every year.
While past performance is not necessarily indicative of future results, retirees who depend on a meaningful amount of dividend income are likely to be in a good position to protect their purchasing power with a diversified basket of quality dividend stocks. This contrasts sharply with bonds, which make fixed interest payments and offer paltry yields. The financial world has changed a lot over the last 40 years.
Long gone are the days of double-digit bond yields, and many quality stocks now yield significantly more than corporate bonds. Source: The Hartford Funds As Warren Buffett stated in May , "Long-term bonds are a terrible investment at current rates and anything close to current rates. In other words, their after-tax yield is about 1.
Besides fueling healthy long-term returns and income growth, dividend investing has historically exhibited less volatility than the broader stock market as well. Source: The Hartford Funds. Stocks that pay a dividend often have characteristics that appeal to conservative investors.
For one thing, a steadily growing dividend is often a sign of a company's durability, stability, and confidence in its underlying business. In order to continuously pay a dividend, a company must generate profits above and beyond the operating needs of the business. They are also incentivized to be more careful with their uses of cash. These qualities filter out many lower quality businesses that have too much debt, volatile earnings, and weak cash flow generation — characteristics that can lead to large capital losses and sizable swings in share prices.
The lower price volatility profile of dividend-paying stocks is attractive for retirees concerned with capital preservation. Coupled with the strategy's reduced need to sell shares to make ends meet, dividend investing increases the chances of preserving and growing your principal over long periods of time. This allows you to leave a legacy for your family or favorite charities. Dividend investing also provides flexibility to sell off assets if market conditions have been favorable and you want to fund special retirement activities.
Other strategies such as annuities typically lack this flexibility. When it comes to implementing a dividend strategy in retirement, holding individual stocks rather than dividend-focused ETFs or mutual funds protects the full income you signed up to receive while keeping you in complete control of what you own.
Investing in individual securities yourself eliminates the fees assessed each year by ETFs and mutual funds, potentially saving thousands of dollars along the way. And with trading commissions having been eliminated across most brokerages, the direct financial costs of implementing this strategy are virtually nothing. However, actively managing a portfolio requires time and behavioral discipline, making it inappropriate for some people.
For investors interested in pursuing this path, better performance is not guaranteed but a do-it-yourself strategy does eliminate a major drag on returns — the high fees charged by many fund managers and advisors on Wall Street.
Higher fees mean less dividend income for retirement. The relatively high fees charged by most fund managers are also a key reason why Warren Buffett in his shareholder letter advised the typical person to put their money in low-cost index funds for the best long-term results:. But what about some of the low-cost dividend ETFs with fees as low as 0. In many cases, investors who are less willing to commit the time or lack the stomach to buy and hold dividend stocks directly would be wise to evaluate such funds for their portfolios.
However, they lose a valuable benefit: control. Specifically, almost all ETFs own dozens, hundreds, or even thousands of stocks. Some of these are good businesses with safe dividends, while others are lower in quality and will put their dividends on the chopping block. Some have high yields, others hardly generate much income at all.
Simply put, an ETF is a hodgepodge of companies which may or not match your own income needs and risk tolerance very well. Vanguard's High Dividend Yield ETF got into trouble during the financial crisis because it was not focused on dividend safety. VYM's individual payout are below and demonstrate how volatile the income from funds can be. It's hard to know what yield you are really buying.
Passive income is the short-cut through the work-life balance conundrum. Passive income is money you make without having to spend additional time to make the money. You are truly free when your passive income covers your expenses. This is when you have the ability to retire.
The secret to early retirement is covering your expenses with passive income. There are 6 factors that determine the time it will take to reach a sustainable retirement:. The more money you can save, the quicker you can build your passive income. It really is that simple. The only way to save more is to either:.
Controlling expenses is critical to retiring early. The more you cut down on expenses, the sooner you can retire. Lowering expenses is the single fastest way to retirement. First, you have more money to invest every month. That means more money to build your retirement portfolio. Second, the amount of passive income you need every month to cover your expenses is reduced. Lower expenses simply means an earlier retirement. There are nearly infinite ways to raise your income, but they are beyond the scope of this article.
They all boil down to the same thing; the more value you provide, the greater your income will be. The more efficient you are with your time, the greater value you can provide per hour worked, and the higher your income will be. The passive income aspect of early retirement involves investing wisely. This will be discussed in detail below. Can you retire early on dividend stocks? As this article discusses, passive income is critical for early retirement.
And dividend growth stocks make excellent investments for growing passive income. Passive income does not take up your time. There are a nearly infinite amount of different styles of investing. I believe dividend investing in general — and investing in high quality dividend growth stocks specifically — to be the best fit for many individual investors; especially individual investors looking for growing passive income streams.
Dividend growth stocks are able to grow their dividend payments over time. Investors who purchased PepsiCo shares in are now enjoying a yield on cost of 7. The company has been a well-known blue-chip stock for decades. PepsiCo is a member of a select group of stocks called Dividend Aristocrats. Investors who stick to purchasing Dividend Aristocrat stocks and other blue-chip dividend growth stocks will likely see rising dividend income over time.
You can learn more about how to generate rising passive income through dividend investing by watching the webinar replay video below. Dividend stocks with a history of rising dividend payments are a quality choice for passive income in retirement. But not all dividend stocks make equally good investments….
So what are the best dividend stocks for retirement? The best early retirement dividend stocks will have a mix of a history of dividend growth for likely future dividend increases and a high yield for solid current income now. Our 3 top dividend stock selections for early retirement are analyzed below. Altria Group is the leader of the U. The company owns the Marlboro cigarette brand. Additionally, Altria owns the Skoal and Copenhagen chewing tabacco brands, Ste.
The company has a long corporate history with many acquisitions and spin-offs. Adjusting for these, Altria has raised its dividend for an incredible 51 consecutive years. This makes it a member of the exclusive list of Dividend Kings. Altria reported second quarter earnings on July 29th. Source: Investor Presentation. The long-term outlook for cigarettes is ultimately negative.