Published Thu, 22 Aug 2019 06:00:00 -0400 on Seeking Alpha
How to retire? One of the most pressing issues of the day. Countless readers turn to Seeking Alpha to handle the challenges that face retirees today. Retirees must know:
How to plan their cash flows. How to build a steady portfolio. What levels of expectations are sensible. It is painful to hear from retirees who state they “NEED” a 14% return each year. Even with risky investments, sustaining 14% annually is an insanely aggressive plan. It certainly wouldn’t be likely to come in a steady sequence. The biggest challenge comes with recessions. Portfolios designed for a 14% yield get obliterated in recessions.
Are you ready to play?
Today, I will be using hypothetical situations many readers may face. Most retirees aren’t professional investors and don’t have a huge portfolio. It would be easy to plan retirement with $10 million. So instead, let’s go with less: $500,000.
The current interest rates available on bonds are low. Bonds are a difficult way to generate income unless it’s with a huge portfolio. The market is seeing all-time record highs day after day. Investing today should be done with caution. The investments I would choose are companies that are large and have a strong track record. A retiree today could invest in an income portfolio and expect solid dividend yields. Large companies with a great track record are unlikely to cut their dividend – even in harsh times. Short-term volatility of the market... Read more
|Stock name||Last trade||P/E||Earnings/Share||Dividend/Share||Dividend yield|
|PHILIP MORRIS INTERNATIONAL||74.90||14.9||5.03||4.68||6.12|
|SIMON PROPERTY GROUP||155.27||20.8||7.48||8.40||5.21|
|NATIONAL RETAIL PROPERTIES||54.39||35.8||1.52||2.06||3.81|
|JOHNSON & JOHNSON||130.43||21.6||6.03||3.80||2.93|
|PROCTER & GAMBLE||122.77||90.3||1.36||2.98||2.49|
|SPDR S&P 500 ETF||301.29||0.0||0.00||5.42||1.82|
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