Comments on: How To Build An Income Portfolio For Retirement http://dividendmoney.com/how-to-build-an-income-portfolio-for-retirement/ Helping You Make More Money And Grow Your Wealth Mon, 22 Feb 2010 13:23:19 -0600 http://wordpress.org/?v=2.8.6 hourly 1 By: Mark http://dividendmoney.com/how-to-build-an-income-portfolio-for-retirement/comment-page-1/#comment-59651 Mark Tue, 15 Sep 2009 23:18:35 +0000 http://dividendmoney.com/archives/how-to-build-an-income-portfolio-for-retirement/#comment-59651 Oh, yea, how did that "no bonds til 10 years from retirement" work out for you? Oh, yea, how did that “no bonds til 10 years from retirement” work out for you?

]]> By: Lesley http://dividendmoney.com/how-to-build-an-income-portfolio-for-retirement/comment-page-1/#comment-24564 Lesley Thu, 05 Jun 2008 12:50:53 +0000 http://dividendmoney.com/archives/how-to-build-an-income-portfolio-for-retirement/#comment-24564 This may seem like a simple question but how do you receive the dividends from the ETF or is it held like a mutual fund? Is the dividends paid monthly depending on the stocks payout? I'm confused. Thanks This may seem like a simple question but how do you receive the dividends from the ETF or is it held like a mutual fund? Is the dividends paid monthly depending on the stocks payout? I’m confused.

Thanks

]]> By: Dividend Growth Investor http://dividendmoney.com/how-to-build-an-income-portfolio-for-retirement/comment-page-1/#comment-23835 Dividend Growth Investor Sat, 31 May 2008 15:34:29 +0000 http://dividendmoney.com/archives/how-to-build-an-income-portfolio-for-retirement/#comment-23835 Tyler, In my dividend strategy I always look at the past 100+ years of stock market history in order to understand different what-if scenarios and be somewhat ready for them. You are correct that investing in the right dividend stocks could yield not only positive and growing cash flow over time but also substantial capital gains. However, if you look at the returns of a dividend investor, who retired in 1928 and was 100% in stocks at the time, you'd see that he would have suffered huge losses right away as well as dividend cuts. His portfolio would not have lasted for a long period of time. Had he added some bonds, he would have been better off. To summarize, a bond allocation in retirement would help you in a deflationary or low inflation environment, where stocks produce negative returns for a while.(like the 1929 crash for example). I do agree, however, that one shouldn't really invest in bonds untill he/she has about 10 years to retirement. I have been working on this research for some time, but because I have been busier over the past several weeks, I haven't had time to post anything on it. I hope this answered your questions! Dividend Growth Investor Tyler,

In my dividend strategy I always look at the past 100+ years of stock market history in order to understand different what-if scenarios and be somewhat ready for them. You are correct that investing in the right dividend stocks could yield not only positive and growing cash flow over time but also substantial capital gains.
However, if you look at the returns of a dividend investor, who retired in 1928 and was 100% in stocks at the time, you’d see that he would have suffered huge losses right away as well as dividend cuts. His portfolio would not have lasted for a long period of time. Had he added some bonds, he would have been better off.
To summarize, a bond allocation in retirement would help you in a deflationary or low inflation environment, where stocks produce negative returns for a while.(like the 1929 crash for example).

I do agree, however, that one shouldn’t really invest in bonds untill he/she has about 10 years to retirement.

I have been working on this research for some time, but because I have been busier over the past several weeks, I haven’t had time to post anything on it.

I hope this answered your questions!

Dividend Growth Investor

]]> By: Tyler http://dividendmoney.com/how-to-build-an-income-portfolio-for-retirement/comment-page-1/#comment-23740 Tyler Fri, 30 May 2008 22:21:29 +0000 http://dividendmoney.com/archives/how-to-build-an-income-portfolio-for-retirement/#comment-23740 You are right. It is a powerful word and this is why. A well diversified Dividend ETF yields between 4-5% right now. Those dividends are taxed at 15% and the dividends are highly likely to increase at a greater rate than inflation. TIPS are taxed at your prevailing tax rate and there is no possibility for capital gain or increasing income at a greater rate than inflation. Just my $0.02! You are right. It is a powerful word and this is why.
A well diversified Dividend ETF yields between 4-5% right now. Those dividends are taxed at 15% and the dividends are highly likely to increase at a greater rate than inflation.
TIPS are taxed at your prevailing tax rate and there is no possibility for capital gain or increasing income at a greater rate than inflation.
Just my $0.02!

]]> By: AJC @ 7million7years http://dividendmoney.com/how-to-build-an-income-portfolio-for-retirement/comment-page-1/#comment-23736 AJC @ 7million7years Fri, 30 May 2008 22:05:19 +0000 http://dividendmoney.com/archives/how-to-build-an-income-portfolio-for-retirement/#comment-23736 @ Tyler - 'will' is a mighty powerful word ;) @ Tyler – ‘will’ is a mighty powerful word ;)

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