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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: rnsmth who wrote (24763)	5/30/2016 1:56:13 PM
From: JimisJim	1 Recommendation Recommended By rnsmth Read Replies (1) \| Respond to of 34328

Now that my YOC is an overall ave. 9.5%, a 5% annual divvy growth is OK with me... nominal yield about 5%... so still exceeding my goals for both income and income growth... I may go ahead and retire fully (my wife does in 2 weeks) this summer... divvy growth still waaaaay above inflation -- official or otherwise... later this month will begin converting the iWife's 403b (crappy mutual funds) into ROTH and regular IRAs with DGI makeup... I am now seeing the numbers in the spreadsheet for income replacement whereby we will be making more money retired than we ever did working for a 120% income replacement if we begin distributions from all retirement accts... so going to shift more into ROTHs so that we can just do 100% income replacement and let the extra continue to compound (just in case medical emergencies? self LT care insurance?) in accts. that won't require RMDs in 7 years for my wife and 8 for me... sideways market sounds OK to me for now.

To: rnsmth who wrote (24763)	6/2/2016 8:11:59 AM
From: Steve Felix	2 Recommendations Recommended By CusterInvestor rnsmth Read Replies (1) \| Respond to of 34328

"Dividend growth for the M* Dividend Select Portfolio has slowed from about 8.5% (2011-2013) to a current estimated rate of 5%." Definitely food for thought, especially considering age, and if total portfolio value is important. I would expect longer term that the growers will still do better at capital gains. Can't see making any changes to my daughters Roths, unless given two choices I go with the higher yield. Each persons scenario is different, but unlike the majority, they will both have teachers pensions. Fooling around with the Miller Howard Calculator: sugar.mhinvest.com 5% yield with 1% growth vs. 3% yield and 8.5% growth, divs reinvested, the latter passes the former in 12 years. 5% yield with 1% growth vs. 3% yield and 5% growth, divs reinvested, the latter still behind at 26 yrs. 6% yield with no growth vs. 3% yield and 5 % growth, divs reinvested, the former giving off 25% more dividends after 26 years.