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Retirement income made simple

By Edited Nov 13, 2013 0 0
Penny

Investing

Stocks

Investing for retirement it can seem overwhelming. But it does not have to be. With a little research, and the application of some common sense, you could be on your way to retirement investing.

 If it sounds too good to be true it ussually is. We have all heard this, and it is something that can be applied to common sense investing. Claims of 15-20 percent returns should be looked at with a skeptical eye. Not that there aren’t investments with those returns, that but the risks involved are high. A more prudent approach is to invest in dividend paying stocks. But which stocks should one invest in? A good place to start for the novice investor is the Standard and Poor’s Dividend Aristocrats. These groups of stocks are companies that have paid dividends, and increased them every year for a minimum of twenty-five years. Some of the companies have paid dividends for longer periods. Proctor and Gamble for instance has paid a dividend, and increased it every year for the past 55 years.

 

 

            To create your portfolio of stocks you should look first at when the dividends are paid. A group of 12 dividend paying stocks could produce in retirement 4 dividend checks a month. Just like getting a weekly paycheck in retirement. For example: Below is a selection of 12 stocks from the Dividend Aristocrats. Investing in these twelve stocks would generate 4 dividend checks per month in retirement. By investing in these twelve stocks now, and reinvesting the dividends back into the stocks you will take advantage of the ever increasing dividends to purchase more of each stock.

 

PG

Jan

Apr

July

Oct

MMM

Feb

May

Aug

Nov

KMB

Mar

June

Sept

Dec

 

 

 

 

 

ABT

Jan

Apr

July

Oct

JNJ

Feb

May

Aug

Nov

ITW

Mar

June

Sept

Dec

 

 

 

 

 

CLX

Jan

Apr

July

Oct

MKC

Apr

July

Oct

Dec

CINF

Mar

June

Sept

Dec

 

 

 

 

 

T

Jan

Apr

July

Oct

XOM

Feb

May

Aug

Nov

CINF

Mar

June

Sept

Dec

 

The stocks I outlined our just and example. You should do some research and invest in stock you are comfortable with for the long haul. You would also want to be sure that you are will diversified across various sectors of the economy. In vesting in the Dividend aristocrats is not a total portfolio this should be just one part of you retirement investing. If you still are uncomfortable with investing on your own you may want to consult a financial planner.

 


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