I'm a 65-year-old investor focused on dividends in a Retirement Income Portfolio. I'm not yet in the distribution phase of retirement. I've been a member of the National Association of Investment Clubs (NAIC) since 1982, which now operates as BetterInvesting.org. For many years as a volunteer I helped lead workshops to teach tools developed by NAIC to educate investors about how to do basic fundamental stock analysis. I continue to have a strong interest in investor education. NAIC's historic "four principles" have been very helpful to me:1) invest regularly throughout your lifetime; 2) invest in growth companies; 3) reinvest earnings and profits; 4) diversify by industry and size. Bill Bengen's "4% Rule" concept inspired me to set a goal to create a retirement income portfolio of individual dividend growth stocks as a way to tap only dividend income from the portfolio as long as possible rather than selling assets. Helpful mentors and colleagues include: - Charles Allmon, former columnist for Better Investing, taught me to look for growth stocks - Ben Graham's The Intelligent Investor taught me the importance of intrinsic value - Peter Lynch instilled confidence that the average citizen can win in the stock market - Louis Rukeyser demonstrated how to ask probing questions about market conditions - Brad Thomas introduced me to a host of real estate investment trusts - Bob Wells' analytical discipline keeps me focused on dividend growth - Lowell Miller's The Single Best Investment helped me focus on quality and safety - David Van Knapp's holistic style of portfolio building helps me see the big picture - David Fish and Factoids inspire me to keep digging for data - Chowder reminds me that each buy is the purchase of a business - BDC Buzz has helped me sift through business development companies - Tom Konrad opened my mind to alternative energy investments - George Fisher is a helpful "lookout" scanning the horizon for utility opportunities - The Seeking Alpha community--both veterans and young contributors.
The Virtuous Cycle (TVC) educates individuals about time-tested money management and investment behaviors that promote long-term financial health. TVC manages growth and dividend portfolios while emphasizing that investor discipline and strategy, in addition to stock selection, are key determinants of investment returns.
Focused on upcoming retirement (5-8 years from now). Seeking a portfolio balance of stable dividend growth stocks and capital growth potential stocks. Background: Insurance Underwriter (Property and Liability) and University Risk Manager.
Health Care: JNJ, CAH, MDT, STK, PDCO
Consumer Staples: MO, CVS, KHC, HRL
Consumer Disc: DPZ, MNST, STZ, SBUX, KO, MCD
Tech: GOOGL, AMZN, FB, MSFT, CSCO
Industrial Cyclical: LMT, RTN, BA
Home Building: HD, LOW
Financial: V, MC
Utilities/Telecom: D, VZ, T