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Retiree, Are You Smarter Than A Kindergartner?



  • Seeking Alpha is a great resource in helping retirees and investors.
  • Retirees shouldn’t focus on high yields and short-term strategies.
  • Dividend investing is a great source of income for a retiree.
  • Many REITs are trading at attractive prices.
  • Let’s look at where you can start.

Some financial analysts believe that retirement stocks do not exist. This belief is based on the simple idea that total returns can only be positive, negative, or flat. From that perspective, any stock that will go up is a good stock and any stock that will go down is a bad stock. The simplicity is appealing, but it completely ignores individual factors.

In this article, I want to discuss several of the relevant factors.


The investor’s tax bracket can be relevant. The attractiveness of different investments depends on the expected after tax return. If the investor is picking stocks for a tax-advantaged account, they will not want UBTI (unrelated business taxable income). UBTI is terrible in tax-advantaged accounts. It does not enjoy the same benefits that most types of income have within those accounts. Therefore, an investor could find a lower yield security with the same pre-tax return to have a much lower after-tax return because it paid UBTI instead of interest and other types of dividends.


An investor may be very confident that they are correct about the fundamentals of a stock. However, the short-term price movements are based on emotions rather than fundamentals.

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You might imagine the fundamentals as a man taking a dog on a walk. The share price would be the dog. The dog can run in either direction from the man. However, there is a leash in place. The dog can only get so far away. The price functions similarly. It can disconnect significantly from the fundamental values, but there is only so much leeway. As investors, we won’t know precisely how long the leash is. However, we can all agree that neither Apple (AAPL) nor Google (GOOG) (GOOGL) will be worth zero dollars per share

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This article was written by

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Analyst’s Disclosure: I am/we are long AGNCN, AVB, EQR, SKT, SPG, WMT. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

No financial advice. Investors are expected to do their own due diligence and consult with a professional who knows their objectives and constraints. CWMF actively trades in preferred shares and may buy or sell anything in the sector without prior notice. Tipranks: SKT, SPG, AVB, EQR.

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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