Il y a beaucoup de moyens d'arriver à la retirement. Let's say you want to live off the interest without touching your principal. If you need $50,000 a year to live happily, and you have $1 million saved, you will need to earn $5%. When interest rates on savings accounts were above $5%, this was not an incalculable task. However, the financial collapse of 2008 pushed rates so low that most investors no longer earn anything from their funds in the money market.
If you are worried about there volatility of the market, you can't be blamed. Ne pensez pas que vous devez investir dans les valeurs de croissance juste pour faire de l'argent; ce type d'investissement n'est pas fait pour tout le monde. Mais n'oubliez pas l'essentiel: vous devez être sur le marché afin de battre l'inflation et survivre.
The best way is to invest a portion of your portfolio in dividend-paying stocks.. Not only do they provide you with a recurring stream of income, but they also offer growth opportunities. Your portfolio needs to keep pace with inflation to allow you to maintain the lifestyle you're used to.
Worried that dividend stocks won't be able to grow at a meaningful rate? Intel (NASDAQ:INTC) est plus souvent considéré comme un géant technologique que comme un payeur de dividende. L'entreprise a pourtant augmenté ses distributions au cours des cinq dernières années de 90%. Sur une base annualisée, son prix ajusté des dividendes a augmenté de 16% au cours des 20 dernières années, ce qui est de loin supérieur à la rentabilité ajustée du S&P 500.
You might think Intel is a fluke? Professor Jeremy Siegel has shown that from 1957 to 2003, when dividends are reinvested, the 100 highest-yielding stocks in the S&P outperformed the market by an average of three percentage points. With a $1 million portfolio, that’s an extra $30,000 a year on average, just by investing in dividend payers.
The "S&P 500 Dividend Aristocrats" consists mainly of the best of the best dividends in the world. Only the cream of the crop can make it into this selection, so there are some very strict requirements to get in:
- Minimum market capitalization of $3 billion.
- Minimum trading volume averaging $5 million to ensure liquidity.
- The company must have increased its dividends for at least 25 consecutive years.
Finding companies that have increased their dividends for a quarter century is not an easy task. These companies have had to prove that they can sustain cash flow and withstand economic downturns in order to consistently return money to shareholders. Not only have these companies had a long history of distributing cash to shareholders, but they have also demonstrated the ability to grow their dividends well above inflation (typically 3%-4%). Additionally, most of these stocks beat the S&P hands down. So not only do the Aristocrats offer huge income, which you will obviously need as a retiree, but they also increase the value of your portfolio.
Source: http://www.fool.com/investing/dividends-income/2010/04/12/the-best-dividend-stock-period.aspxDiscover more from dividendes
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