Comments on Dividend Growth Investor: Four Percent Rule for Dividend Investing in Retire...

What management company(ies) is constructing manag...

2010-06-22T10:43:15.131-07:00

What management company(ies) is constructing managed DRIP portfolios around these concepts, as a long term guaranteed growth strategy, rather than as an income production strategy, and selling the product to long-life portfolios like trusts and Roths? One could construct one using the online brokerage DRIP engines, but who's testing and picking the best equities and weightings for such a portfolio growth style?

i am 67yo and still investing in dividendgrowth st...

2010-04-24T14:00:07.231-07:00

i am 67yo and still investing in dividendgrowth stocks my current portfolio cureently yields 6% hoprfully lasts till i am 80

With an annuity, you give up your principle, and t...

2010-04-21T09:34:54.894-07:00

With an annuity, you give up your principle, and they dribble your money back to you. You are betting the insurance company that you will outlive their estimated life tables.

I think you would be foolish to buy treasuries of ...

2010-04-21T09:32:41.551-07:00

I think you would be foolish to buy treasuries of any maturity today. The price can only drop as inflation takes off. If you buy treasuries, you essentially lock in 25% of your portfolio with no upside. Your principle might be "safge', but what will it be worth when treasuries mature in 30 years?

The 4% rule comes from the research of Bill Bengen...

2010-04-09T11:46:37.245-07:00

The 4% rule comes from the research of Bill Bengen. He examined various withdrawal rates over many years and found that taking 4% in the first year of retirement and adjusting the withdrawal each year for inflation gives a high probability you won't outlive your money.

An income investor might consider I Bonds from the...

2010-04-01T17:56:34.261-07:00

An income investor might consider I Bonds from the US (check out treasurydirect.gov). If you can lock in a decent fixed rate, then adding in the inflation index, you can get a pretty high coupon. I suspect it could be a better deal for individuals than TIPs -- you can only buy $5000 per year, whereas the yields on TIPs will be driven down by institutional demand. People who bought these in the 90s and early 00s were getting hefty coupons (except for last year, when the inflation rate went negative).

I think that you can keep the dividend and sell of...

2010-04-01T09:18:28.153-07:00

I think that you can keep the dividend and sell off stock amounting to 1/2 of your portfolio's retained earnings. This should keep your income growing.

Can someone tell me how to move my stocks from Sha...

2010-04-01T09:13:38.955-07:00

Can someone tell me how to move my stocks from Sharebuilder to the acutal companies? I dont want to sell my stocks at Sharebuilder (ie: JNJ) and then turn around and buy them again straight from the companies. Help1

No annuities are a bad choice for investors. A muc...

2010-03-31T07:51:25.114-07:00

No annuities are a bad choice for investors. A much better alternative is to purchase US Treasury Bonds, which are highly liquid and provide a stable incoem stream. If you add in some TIPS you would also get some inflation protection.

Of course at least 50% to 75% of one's portfolio has to be in dividend growth stocks, which are the best inflation hedge for your income in retirement.

Would you ever check out a fixed or variable annui...

2010-03-31T07:17:50.809-07:00

Would you ever check out a fixed or variable annuity, and before you say - no because of costs...think about the stability of shifting risk to an insurance company or two that have been around longer than some states lol