September 28, 2019

20 Dividend Stocks to Fund 20 Years of Retirement


The traditional wisdom for funding retirement used to be the “4% rule.” You would withdraw 4% of your savings in year one, followed by “pay raises” in each subsequent year to account for inflation. The theory: If you’re invested in a mix of dividend stocks, bonds and even a few growth stocks, your money should last across a 30-year retirement.

But today’s world is different. Interest rates and bond yields have been stuck in the basement for far too long, reducing future expected returns. Compounding the problem: Americans are living longer than ever before.

If you’re wondering how to retire without facing the uncomfortable decision of what securities to sell, or questioning whether you are at risk of outliving your savings, wonder no more. You can lean on the cash from dividend stocks to fund a substantial portion of your retirement. In fact, Simply Safe Dividends has published an in-depth guide about living on dividends in retirement.

Many companies in the market yield 4% or more. And if you rely on solid dividend stocks for that 4% annually, you won’t have to worry as much about the market’s unpredictable fluctuations. Better still, because you likely won’t have to dig into your nest egg as much, you’ll have a chance to leave your heirs with a sizable portfolio when the time comes.





Here are 20 high-quality dividend stocks, yielding on average above 4%, that should fund at least 20 years of retirement, if not more. They have paid uninterrupted dividends for more than 20 consecutive years, have fundamentally secure payouts and have the potential to collectively grow their dividends to protect investors’ purchasing power over time.


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