20 Dividend Stocks to Fund 20 Years of Retirement

 

Each of these high-quality dividend stocks boast attractive yields, and you can expect them to grow their payouts even more. That's a powerful 1-2 combo for retirement income.

 

 

Once upon a time, if you were planning to retire, the traditional wisdom was the "4% rule." You withdraw 4% of your savings in the first year of retirement, followed by "pay raises" in each subsequent year to account for inflation. The idea is that, if you're invested in a mix of dividend stocks, bonds and even a few growth equities, your money should last across a 20-year retirement.

 

But the world looks much different today. Stocks and bonds are slumping as interest rates jump from historic lows, making future expected returns and withdrawal rates less comfortable to forecast. Complicating retirement planning even further is the fact Americans are living longer than ever before and face the highest rate of inflation in a generation.

 

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 without touching your principal. Indeed, Simply Safe Dividends has even provided an in-depth guide about living on dividends in retirement.

 

With the market selling off in 2022, investors can find many stocks yielding 4% or more currently. And if you rely on solid dividend stocks for that 4% annually, you won't have to worry as much about where the market heads from here so long as those payouts remain on solid ground.

 

 

Read on as we explore 20 high-quality dividend stocks that should fund at least 20 years of retirement, if not more. Most of the names featured here yield well above 4%, and each has paid uninterrupted dividends for more than two decades, has a fundamentally secure payout and has the potential to keep growing its dividends to protect investors' purchasing power over time.

 

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7 Long-Term Stocks to Buy for a Robust Retirement

 

These long-term stocks with reliable dividends could make all the difference

 

 

Investors seeking shelter from extreme market volatility and searching for inflation protection may still find resilient dividend-paying stocks to fortify retirement portfolios during tough times, and we have seven long-term stocks to buy for a robust retirement portfolio up for consideration.

 

Rising inflation rates, geopolitical risks and the threat of a global recession are causes for concern for any retirement-focused investment portfolios.

 

Honestly, the realities of inflation’s impact on retirement plans can be somewhat sad. A recent Bloomberg report that about two-thirds of surveyed people starting retirement in 2022 in the U.K. expect to continue working (at least part-time) as living costs surge.

 

Although some cited boredom as a plausible reason to continue working, only 25% of survey respondents felt very confident that they have saved enough to fund their retirement.

 

A deep thought on retirement investing has never been more important.

 

Investing in companies with defensive, tried and tested business models with decent growth prospects, strong management teams, shareholder-friendly capital return policies and dedication to dividend growth could help create a formidable and robust retirement portfolio that can survive bouts of inflation and the usually short-lived recessions.

 

 

Retirement can be a very long time; hence some level of growth will be necessary to maintain the size of that nest egg. Dividend growth will be important for recurring and regular inflation-adjusted cash flows during retirement.

 

Here are seven retirement stocks to consider as long-term holdings in a robust retirement portfolio.

 

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7 Safe Investments for Seniors to Consider in 2022

 

With the market sliding, seniors can rely on these seven safe investments

 

 

Many investors are looking for safe stocks to help mitigate the current volatility. The stock market is in the midst of its scariest correction since March 2020. Heading into 2022, there were already concerns around inflation and incoming rate hikes. Now, things have gone from bad to worse with Russia’s invasion of Ukraine, which has caused all sorts of ripple effects in terms of commodity prices and shortages.

 

For risk-seekers, there are plenty of opportunities to go bargain hunting in more adventurous stocks. For others, such as seniors and retirees, however, this is not the time to be taking wild risks.

 

In fact, the recent downturn may have shown some people that their portfolios had too many speculative holdings and not enough solid blue chips. With that in mind, it’s time to look at seven of the top safe investments for seniors in 2022.

 

 

One other key factor for many retirees is income. In a world where bank certificates of deposit and other fixed-income products don’t pay much interest, stocks have become an important alternative. As such, we’ll be setting a minimum of a 3.0% dividend yield for all the companies listed below. With that, here are seven safe higher-yielding investments to consider today:

 

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7 of the Best Retirement Stocks to Buy Now for 2022

 

Next year might require a rethink 

 

As any financial advisor will tell you, you should always plan for the future. Typically, slow and steady wins the race over making long-odds wagers. However, the novel coronavirus pandemic certainly threw a monkey wrench into this age-old narrative. In turn, seemingly all equities qualified for the label best retirement stocks.

 

Since the pandemic began, many people have turned to investing for a variety of reasons, and the popularity caught on quickly. Suddenly, everybody became a day trader — using the Wall Street Journal’s language.

 

Sure enough, the surge of interest in the investment markets contributed to a once-in-a-blue-moon opportunity to make up for the lost time. Even companies that appeared destined for the bankruptcy line — I’m not going to name any names — enjoyed unprecedented support. Truly, bad news was good news in the new normal. So it was only natural for many blue chips to become some of the best retirement stocks.

 

Of course, a major contributing source for this interest was the never-before-seen cooperation between private enterprises and big government. The latter wanted everybody to go home to combat the spread of Covid-19 while the former allowed their employees to telecommute — a concept that prior to the crisis found resistance from several managers. Just as importantly, stimulus checks put extra money into Americans’ pockets, boosting the best retirement stocks and other categories.

 

Now, though, the good times might be coming to an end — or at least the drinks might not be on the house anymore. According to the New York Times, consumer prices rose at the fastest pace since 1982, a dynamic that Washington cannot afford to ignore. Indeed, Federal Reserve chair Jerome Powell signaled that it will more aggressively reduce monetary support of the economy. If so, you need to think about the best retirement stocks.

 

 

I’m not proclaiming that we’re going to enter a downturn, although to be blunt, that wouldn’t be the most surprising outcome. Historically, rampant speculation — especially stock trading on margin — never ended well. Therefore, people should consider adding these best retirement stocks to their portfolios.

 

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7 Best Retirement Stocks to Buy to Build Long-Term Wealth

 

Stay ahead of the trend with these relevant companies

 

At surface level, the concept of finding the best retirement stocks to buy is a patently obvious one: acquire shares of stable blue chips that have a long history of consistent and robust dividend payouts. Then, just sit back during your golden years while these corporate giants work hard for you for a change.

 

While carrying plenty of truth, the reality is that retirement stocks represent a tricky subject because retirement itself is fraught with uncertainty. In prior generations, people could simply depend on the unprecedented strength of the U.S. economy during the post-World War II era. Frankly, no one could challenge this nation. But the rise of China along with shifting societal and technological trends suggest that American hegemony is no longer dependably viable.

 

For instance, banking on the rise of personal computers would have been a great opportunity if you were heading into your golden years during the 1980s and 1990s. Nowadays, the rise and rapid proliferation of smart mobile devices have made investing strictly on legacy tech platforms an incredibly risky proposition. Therefore, retirement stocks don’t just face outside threats but internal headwinds as well.

 

 

Further, the outlook for American society is not clear cut because of the potentially lingering impact of the novel coronavirus pandemic. As The Wall Street Journal pointed out, life expectancy fell by 1.5% in 2020, “the biggest decline since at least World War II.” In addition, the financial devastation — particularly against underprivileged and at-risk communities — may drag the economy for years to come. This too will affect retirement stocks.

 

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20 Dividend Stocks to Fund 20 Years of Retirement

 

Each of these high-quality dividend stocks yields roughly 4%, and you can expect them to grow their payouts even more. That's a powerful 1-2 combo for retirement income.

 

Once upon a time, if you were planning to retire, the traditional wisdom was the "4% rule." You withdraw 4% of your savings in the first year of retirement, followed by "pay raises" in each subsequent year to account for inflation. The idea is that, if you're invested in a mix of dividend stocks, bonds and even a few growth equities, your money should last across a 20-year retirement.

 

But the world looks much different today. Interest rates and bond yields are near historic lows, reducing future expected returns. Complicating retirement planning even further is the fact 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 without touching your principal. Indeed, Simply Safe Dividends has even provided an in-depth guide about living on dividends in retirement.

 

The broader market's yield might be chintzy at the moment, but many companies yield 4% or more currently. 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 eat away at your nest egg as much, you'll have a better chance of leaving your heirs with a sizable windfall when the time comes.

 

 

Read on as we explore 20 high-quality dividend stocks, yielding on average well above 4%, that should fund at least 20 years of retirement, if not more. Each has paid uninterrupted dividends for more than two decades, has a fundamentally secure payout and has the potential to collectively grow its dividends to protect investors' purchasing power over time.

 

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10 Ideal Dividend Stocks for Your Retirement

 

Dividend stocks remain an excellent way to grow your portfolio before and during retirement

  

In October 2020, I created a dividend ladder for an article I was writing about dividend stocks. The idea was to select a stock yielding 1%, 2%, 3%, all the way to 7% or beyond.

 

The thing is, you can’t always find good companies at precisely each of those yield points at a particular point in time, so you’ve got to maintain some flexibility.

 

The original seven dividend stocks have all performed well above my expectations over the past six months. However, I rarely recommend stocks for near-term gains. I almost always look out 3-5 years. That’s where the real money’s made.

 

I’ve been asked to write about 10 ideal dividend stocks for your retirement. I want to repeat my October exercise by creating a dividend ladder. Instead of listing my recommendations in ascending order, this time, I’ll go in descending order from 10% down to 1%.

 

Like I said earlier, I’ll do my best to meet my yield points, keeping in mind that the overall exercise here is for investors to make money in the long run while remaining relatively stress-free about their holdings.

 

 

Some of these stocks are meant to play defense, while others are meant to go on the offensive. Together, they’ll make for a healthy and wealthy retirement.

 

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21 Best Retirement Stocks for an Income-Rich 2021

 

The ideal retirement stocks will help investors generate a sizable and reliable income stream. These 21 dividend payers make the grade.

 

 

Investors in retirement must figure out how to generate enough income without a job while also making sure they don't outlive their income stream. Naturally, then, the best retirement stocks to buy in 2021 (or any other year) to accomplish those objectives are ones that pay dividends.

 

Regular dividends lessen an investor's dependence on the market's fickle price swings because it reduces or eliminates the need to sell shares to generate income. Regardless of whether the market rises or falls in 2021, a portfolio of high-quality companies can provide you with predictable, growing dividend income.

 

And in today's low-interest-rate environment, dividend stocks can generate much higher income than many fixed-income instruments. Better still, many dividend-paying stocks grow their payouts, which preserves those dividends' purchasing power. And dividend stocks, like other equities, also provide meaningful long-term price appreciation potential.

 

Research firm Simply Safe Dividends published an in-depth guide about living on dividends in retirement here. However, a key component to this strategy is finding the best retirement stocks that can deliver safe dividends and grow in value over time.

 

 

To that end, here are the 21 best retirement stocks to buy in 2021. The 21 stocks on this list appear to have safe dividends based on their ability to generate cash, yield between 3% and 7%, and have solid potential to continue growing their payouts in the long term.

 

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4 Dividend Stocks to Help You Prepare for Retirement

 

Stocks with dividends can play a significant long-term role in the impact of a diversified portfolio

 

Seasoned investors concur equities are an important asset class in retirement portfolios. Therefore today’s article introduces four stocks with dividends that could help long-term investors prepare for retirement.

 

Michael Kitces of Buckingham Wealth Partners points out, “For prospective retirees … determining how best to invest a retirement portfolio to generate income is a substantial challenge.”

 

Academic studies and anecdotal evidence suggest that a large number of individuals are afraid of eroding their capital and outliving their assets in retirement. However, with a long-term approach to investing, most market participants should be able to save a significant amount of money for their golden years. And stocks with dividends could help in this process.

 

Research by Michael Clemens of BankInvest Group highlights, “Dividend investing has historically outperformed both the broader market and value investing, and at the same time shown lower risk. Dividend investing ‘overlap’ with both value investing and low-volatility investing, but is an independent investment style of its own.”

 

Diversified buy-and-hold portfolios are likely to finish the year with significant gains. Those who stayed in the markets in the spring were rewarded handsomely. As I write, many stocks currently look poised to carry positive momentum into 2021.

 

 

 

While growth, “new” economy and tech shares posted most of the headlines in the past several months, stocks with dividends contributed to portfolio returns. Although it is not possible to know what the new year may bring, I expect passive-income seekers to continue to favor robust dividend stocks.

 

Let’s now take a look at our four stocks with dividends that could help investors prepare for retirement: 

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8 Retirement Stocks You Can Rely On

 

These blue-chip retirement investments will keep your portfolio steady

 

It’s hard to imagine that we’ll have another year like 2020 in our lifetimes and for the most part, that would be a positive outcome. However, the impact of the novel coronavirus over the past several months has created viable market opportunities. With so many stocks moving to the upside, many have chased hot sectors like technology. However, this is also an ideal time to consider retirement investments.

 

Yes, I realize that the topic isn’t exactly the sexiest that I can discuss. However, retirement investments are a concept that we must all think about – and the earlier the better. For one thing, this market segment focuses on reliable, blue-chip giants that have a long, proven track record. While it’s tempting to go for the get-rich-quick stocks, some of these hot names aren’t going to last.

 

How can I be so sure? Historically, a new industry or innovation immediately attracts a wide base of competitors. But over time, the best rise to the top. That’s why you don’t hear about old school web browsers like Netscape Navigator. Today, the world (wide web) runs on Alphabet’s (NASDAQ:GOOG, NASDAQ:GOOGL) Google. To avoid the all-or-nothing proposition, it’s better to have some exposure to reliable retirement investments.

 

 

Second, big blue chips tend to be resilient – usually far more resilient – compared to flavor-of-the-week growth stocks. No, there’s absolutely nothing wrong with adding growth names to your portfolio. Ironically, it’s harder to get to retirement if you load up exclusively on retirement investments. But with uncertainty over the horizon, the smart approach is to lever yourself to companies that can withstand shocks to the system.

 

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2 Dividend Stocks To Buy Now To Build A Solid Income Stream For Retirement

 

If your investment goal is to build a solid cash stream for retirement, then holding some quality dividend stocks in your portfolio is a great idea.

 

In the dividend-paying segment of the market, one strategy worth focusing on is buying what some traders may view as boring, old-economy businesses, like consumer staples, key infrastructure providers, and banks and insurance companies.

 

Owning these stocks makes economic sense as well, especially for fixed-income investors looking ahead to the long-term. These publicly traded players pay dividends through thick and thin—whether markets are bullish or bearish and the economy is flourishing or struggling.

 

That's because their products and services are so crucial, consumers can’t imagine life without them. This key quality has turned these businesses into cash machines that never run out.

 

 

Here are our two top picks that offer great income potential for retirees:

 

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10 Safe Hyper-Growth Blue-Chips For A Rich Retirement

 

Tech stocks have fallen into a correction that prudent investors new was inevitable. The most popular market darlings of recent months are now falling hard and fast.

 

While the S&P 500 and many tech giants remain extremely overvalued, blue-chips fitting any goal are always reasonably to attractively priced.

 

Today AMZN, OLED, TCEHY, ANTM, CSL, LCII, NSP, PBCT, LHX, and AVGO represent the 10 safest hyper-growth blue-chips retirees can trust.

 

AMZN and TCEHY are my highest conviction ideas, for reasons I explain in their deeper look videos.

 

These 10 hyper-growth blue-chips collectively yield 2.6%, are 14% undervalued, have long-term analyst growth forecasts of 19% CAGR and risk-adjusted expected returns of 17% CAGR, 5X that of the S&P 500. In a video I show exactly how to construct a sleep well at night retirement portfolio based on various risk profiles, that can withstand anything the pandemic, economy, or stock market can likely thow at us in the future.

 

Tech stocks have been on fire this year, helping to lead the Nasdaq to an epic bear market recovery rally.

 

 

 

Of course, it's hard to miss that tech stocks, which make up about 60% of the Nasdaq and drove a remarkable 75% gain in just over five months, have become out of favor lately.

 

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Retirement Savers: 3 Dividend Stocks To Boost Fixed-Income

 

It's never too late to start saving for your retirement. But if you’re just starting to invest for your golden years, the biggest challenge you will face is how to build a portfolio that will help support you well enough when you do begin your post-work life.

 

During the past decade, interest rates have remained low, which has deprived savers of low-risk investment opportunities. The yield on the US 10-year Treasury note, for example, is less than 1% these days.

 

The reality in this perpetually low-interest-rate environment is that retirees need to have a good chunk of their portfolio tied to stocks to earn higher total returns. Conservative investors who don’t want to add too much risk to their portfolios will need to identify good quality stocks that have the ability to recover from downturns and still continue to provide regular income.

 

 

 

 

We've selected three dividend stocks worth reviewing which, in the past, have outpaced inflation and provided reasonable returns over the long term.

 

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20 Dividend Stocks to Fund 20 Years of Retirement

 

Each of these high-quality dividend stocks yields roughly 4%, and you can expect them to grow their payouts even more. That's a powerful 1-2 combo for retirement income.

 

The traditional retirement wisdom used to be the "4% rule." You would withdraw 4% of your savings in the first year of retirement, followed by "pay raises" in each subsequent year to account for inflation. The idea? If you're invested in a mix of dividend stocks, bonds and even a few growth equities, your money should last across a 30-year retirement.

 

But today's world is different. Interest rates and bond yields have been driven into the ground, reducing future expected returns. Exacerbating 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. Indeed, Simply Safe Dividends has even provided 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 eat away at your nest egg as much, you'll have a better chance of leaving your heirs with a sizable portfolio when the time comes.

 

 

 

 

Here are 20 high-quality dividend stocks, yielding on average well above 4%, that should fund at least 20 years of retirement, if not more. Each has paid uninterrupted dividends for more than two decades, has a fundamentally secure payout and has the potential to collectively grow its dividends to protect investors' purchasing power over time.

 

Continue reading …

 

3 Stocks to Bankroll Your Retirement

When planning for retirement, many investors stock their portfolio with companies that offer a growing and generous dividend yield, but whose growth prospects fall somewhere between slim and none at all. People are living longer, increasing the threat that investors will outlast their retirement savings.

In recent years, in fact, life expectancy has made a sizable leap forward, increasing by 5.5 years between 2000 and 2016, the fastest increase since the 1960s, according to the World Health Organization (WHO).

As a result, what was once a perfectly acceptable investing approach may no longer be enough to fund your golden years. To offset the prospects of living longer and potentially running out of money, it's not a bad idea to layer an element of growth into your portfolio, helping to ensure that your nest egg will last as long as you do.

With that in mind, investors would do well to consider adding these three stocks to help bankroll their retirement.

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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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10 Retirement Stocks That You Should Already Own

They're great holdings for after you stop adding to your nest egg, but they also help grow that nest egg

Some might ask, why are you investing so prudently now? Most investors say they want to build the biggest nest egg they can to fund the best possible retirement when that time comes. Once that day arrives, then they’ll change their portfolio to focus less on growth and more on income.

The irony is, the stable stocks best suited to reliably fund a retirements are largely the same stocks you should arguably already own leading up to your retirement; consistency is crucial as you chip away at your financial goals.

To that end, here’s a run-down of retirement stocks you should probably already own even before you make working at a job a thing of the past. Separately or collectively, they provide a nice balance of growth and income, as well as a comfortable balance of risk and reward.

In most cases dividend — and dividend growth — is in the cards, yet not necessarily at the expense of capital appreciation as well. You’ll need that too, as inflation can and often does outpace marketwide dividend yields.

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Top 10 Canadian Stocks For A Retiree’s Portfolio

Last week, I discussed the difference between a retirement portfolio and a retiree’s portfolio. There is a big difference between investing for the future and withdrawing from this investment to live. I put my portfolio on fast forward and took a look at trades I would do to make the switch toward a retire-ready portfolio. I was quite surprised to see how different both portfolios were.

The point is that you must think about withdrawing money once you retire. Therefore, you need cash ready to be withdrawn, and you need a strong portfolio paying a healthy dividend to support your lifestyle as much as possible. In a perfect world, we would all live off our dividend and give this well-built nest egg to our children. But the reality is otherwise.

To conclude this reflection on portfolio management, I’ve done some research and handpicked my top 10 Canadian dividend stocks for retirees. I could have selected the 6 big banks, 3 telecoms, and 1 energy stock, and I would have been done within seconds. I’m actually starting with 2 banks and 2 telecoms, but I tried my best to build a solid portfolio with more options.

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10 Retirement Stocks That You Should Already Own

They're great holdings for after you stop adding to your nest egg, but they also help grow that nest egg

Some might ask, why are you investing so prudently now? Most investors say they want to build the biggest nest egg they can to fund the best possible retirement when that time comes. Once that day arrives, then they’ll change their portfolio to focus less on growth and more on income.

The irony is, the stable stocks best suited to reliably fund a retirements are largely the same stocks you should arguably already own leading up to your retirement; consistency is crucial as you chip away at your financial goals.

To that end, here’s a run-down of retirement stocks you should probably already own even before you make working at a job a thing of the past. Separately or collectively, they provide a nice balance of growth and income, as well as a comfortable balance of risk and reward.

In most cases dividend — and dividend growth — is in the cards, yet not necessarily at the expense of capital appreciation as well. You’ll need that too, as inflation can and often does outpace marketwide dividend yields.

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3 of the Best Dividend Aristocrats for Retirement

These Dividend Aristocrats are winners for those looking for growth and dividends

Retirement investing is a bit different from regular investing, and not because it depends more on dividend investing. See, we’ve been led to believe inflation is 3%, when it’s really closer to 10%. That means that retired investors don’t think they need stocks that offer capital gains alongside dividends, but they most certainly do.

Dividend Aristocrats were an important part of the retired investor’s portfolio then, because their cash flow is not only so fantastic that they can continue raising dividends year after year, but because they also have enough growth in some cases to boost annual returns to that important 10% level.

I’ve got three Dividend Aristocrats that not only pay that yummy dividend, but that I think have a pretty decent shot at growing earnings enough that their stock prices should also rise to breach the 10% annual level.

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