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M* - How to Create Cash Flows in Retirement

by Christine Benz

Mentioned: T. Rowe Price Dividend Growth (PRDGX) , Vanguard Dividend Growth Inv (VDIGX) , Vanguard Dividend Appreciation Index Adm (VDADX) , Vanguard Dividend Appreciation ETF (VIG) , Vanguard High Dividend Yield ETF (VYM)

"It’s something that even casual market observers know well: Yields on bonds and cash have been going down, largely unabated, for almost three decades. Just when it seemed they had reached their nadir, payouts have taken another leg down. The yield on the 10-year Treasury was just 0.51% on August 4, its lowest level since the equity-market panic back in March. Yields on lower-quality U.S. bonds spiked during the equity-market duress in the first quarter, but they too have drifted back down more recently."

Article Here

Comments

  • edited August 2020
    I read the article and laughed. The first 4 pay under 1.9% which I wouldn't call great cash flow.
    VYM pays about 3.6%..BUT WAIT...The higher yield stock style investing must be debunked all the time. VYM trails the SP500 for YTD, 1, 3, 5, 10 years. VYM recovery was way behind. YTD: SP500=VFIAX made 14.7% more than VYM.

    I guess you missed the FAANGM and instead concentrated in higher income stocks (T???). Why not look at all stocks and select the best regardless of higher income.

    So, what is more important, higher income or higher total return? of course higher returns is better and what I have been practicing since the start, even at retirement.
    If I need more cash than my monthly dist (usually bond funds) I just sell some shares when I need to.
  • Thanks very much for posting this @Mark. I closely follow 2 funds on the list.... PRDGX and VDIGX. I find dividend growth to be a good strategy. FD why not tone down the rhetoric. Not helpful
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