Good Morning,
Almost everyone loves a company that pays high dividends. Who doesn't like receiving a check every quarter for simply owning a stock--especially if that stock is paying you back 4%, 5%, or even 10% of its share price in annual income each year?
In a world where 10-year treasuries are yielding 3%-4%, it seems hard to go wrong when buying a stock that's yielding significantly above the going rates on fixed-income assets. Unfortunately, the market rarely offers a free lunch.
While high-yield stocks may have a lot of near-term attractiveness, those same high-yields can often signal significant danger ahead. In some cases, it might mean that the company's dividend will stop growing or won't grow as fast as it used to. Worse yet, the company could cut its dividend, reduce the income you receive from owning the stock and drive down the value of the shares that you own.
5%-plus yields might seem like an easy opportunity to boost the investment income you receive, but high-yield stocks can just as often be a trap waiting to snare unsuspecting investors. It's not always easy to tell the difference though.
We have made a list of 20 high-yield dividend stocks that are paying an unsustainably large percentage of their earnings in the form of a dividend. These companies are all paying out more than 100% of their earnings per share in the form of a dividend, a sign that the advertised high-yield probably won't last.
View These "Retirement Ruining" Dividend Stocks Here
Matthew Paulson
MarketBeat
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Good Retirement Investing Options: A Guide
Planning for retirement involves creating a diversified investment portfolio that offers a balance of risk and return. The ideal investment mix can vary based on your age, risk tolerance, and financial goals. Here are some generally accepted retirement investing options that can help you build a stable financial future:
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Stocks and Stock Mutual Funds:
- Equities can offer high potential returns but come with higher volatility. As part of a balanced portfolio, they can help your investments grow over the long term. Consider dividend-paying stocks for consistent income.
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Bonds and Bond Funds:
- Bonds are generally less risky than stocks and offer a steady income stream through interest payments. They can act as a stabilizing force in your portfolio, especially as you get closer to retirement.
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Real Estate:
- Investing in real estate, either through buying property or through Real Estate Investment Trusts (REITs), can provide both income and capital appreciation. Real estate can also be a good hedge against inflation.
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Target-Date Funds:
- These are mutual funds that automatically adjust their asset allocation based on your planned retirement date. As the target date approaches, the fund gradually shifts from higher-risk investments to lower-risk ones.
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Tax-Advantaged Accounts:
- 401(k)s, IRAs, and Roth IRAs offer tax benefits that can significantly enhance your retirement savings. Contributions are often tax-deductible, and assets within these accounts can grow tax-deferred or, in the case of Roth accounts, tax-free.
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Certificates of Deposit (CDs) and Money Market Accounts:
- These are low-risk investments suitable for those who are nearing retirement or for a portion of your portfolio you may need to access soon. While the returns are typically lower, they offer greater safety of principal.
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Annuities:
- Fixed annuities can provide a guaranteed income stream in retirement, although they can be complex and come with fees. Make sure to understand the terms and conditions before committing.
As you approach retirement, it's usually advisable to gradually shift your investment focus from growth to income and capital preservation. Consulting a financial advisor can offer personalized advice tailored to your financial situation and retirement goals.
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