3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income

Zacks11-07

Believe it or not, seniors fear running out of cash more than they fear dying. Also, retirees who have constructed a nest egg have valid justifications to be concerned, since the traditional ways to ...

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Some retirees are now tapping their principal to make a decent living, pressed for time between decreasing investment balances and longer life expectancies.\nThe tried-and-true retirement investing approach of yesterday doesn't work today.\nIn the past, investors going into retirement could invest in bonds and count on attractive yields to produce steady, reliable income streams to fund a predictable retirement. 10-year Treasury bond rates in the late 1990s hovered around 6.50%, whereas the current rate is much lower.\nThe effect of this drop in rates is substantial: over 20 years, the change in yield for a $1 million investment in 10-year Treasuries is over $1 million.\nToday's retirees are getting hit hard by reduced bond yields - and the Social Security picture isn't too rosy either. Right now and for the near future, Social Security benefits are still being paid, but it has been estimated that the Social Security funds will be depleted as soon as 2035.\nHow can you avoid dipping into your principal when the investments you counted on in retirement aren't producing income? You can only cut your expenses so far, and the only other option is to find a different investment vehicle to generate income.\nInvest in Dividend Stocks\nAs we see it, dividend-paying stocks from generally low-risk, top notch companies are a brilliant way to create steady and solid income streams to supplant low risk, low yielding Treasury and fixed-income alternatives.\nLook for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions.\nOne way to identify suitable candidates is to look for stocks with an average dividend yield of 3%, and positive average annual dividend growth. Many stocks increase dividends over time, helping to offset the effects of inflation.\nHere are three dividend-paying stocks retirees should consider for their nest egg portfolio.\nFirst American Financial (FAF) is currently shelling out a dividend of $0.54 per share, with a dividend yield of 3.45%. This compares to the Insurance - Property and Casualty industry's yield of 0.13% and the S&P 500's yield of 1.48%. The company's annualized dividend growth in the past year was 1.89%. Check First American Financial dividend history here>>>\n\n\nNiSource (NI) is paying out a dividend of $0.27 per share at the moment, with a dividend yield of 3.01% compared to the Utility - Electric Power industry's yield of 3.29% and the S&P 500's yield. The annualized dividend growth of the company was 6% over the past year. Check NiSource dividend history here>>>\n\nCurrently paying a dividend of $0.5 per share, \nPortland General Electric (POR) has a dividend yield of 4.24%. This is compared to the Utility - Electric Power industry's yield of 3.29% and the S&P 500's current yield. Annualized dividend growth for the company in the past year was 5.26%. Check Portland General Electric dividend history here>>>\n\n\nBut aren't stocks generally more risky than bonds?\nYes, that's true. As a broad category, bonds carry less risk than stocks. However, the stocks we are talking about - dividend -paying stocks from high-quality companies - can generate income over time and also mitigate the overall volatility of your portfolio compared to the stock market as a whole.\nAn upside to adding dividend stocks to your retirement portfolio: they can help lessen the effects of inflation, since many dividend-paying companies (especially blue chip stocks) generally increase their dividends over time.\nThinking about dividend-focused mutual funds or ETFs? Watch out for fees.\nYou may be thinking, \"I like this dividend strategy, but instead of investing in individual stocks, I'm going to find a dividend-focused mutual fund or ETF.\" This approach can make sense, but be aware that some mutual funds and specialized ETFs carry high fees, which may reduce your dividend gains or income, and defeat the goal of this dividend investment approach. If you do wish to invest in a fund, do your research to find the best-quality dividend funds with the lowest fees.\nBottom Line\nSeeking steady, consistent income through dividends can be a smart option for financial security in retirement, whether you invest in mutual funds, ETFs, or in dividend-paying stocks.\nWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report\nFirst American Financial Corporation (FAF) : Free Stock Analysis Report\nNiSource, Inc (NI) : Free Stock Analysis Report\nPortland General Electric Company (POR) : Free Stock Analysis Report\nTo read this article on Zacks.com click here.\nZacks Investment Research","kind":null,"is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.29.2","shortVersion":"4.29.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2481607160"}