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Retiring In A Bear Market: Some Were Forced, Others Choose, All Can Succeed

May 05, 2020 8:35 AM ETFFC, PDI, PTY, SAFE, STAR.PD, STAR.PG, STAR.PI, T, T.PA, TBB, TBC54 Comments


  • Retirement is an extremely personal decision.
  • The current environment is driving many people into retirement. How can you maximize your chances to live comfortably?
  • Retirement is focused on cash flow and not stored money.
  • Looking for a portfolio of ideas like this one? Members of High Dividend Opportunities get exclusive access to our model portfolio. Get started today »

Co-produced with Treading Softly

Retirement is an extremely complex issue. Here at High Dividend Opportunities, we recognize that your retirement experience will be unique and that it will be determined by your own specific circumstances. However, most people can be classified into one of three major categories:

  1. People who choose when to retire
  2. People who are forced into retirement
  3. People who never make it to retirement

If you belong to either one of the first two categories, then you will be interested in this article. COVID-19 has brought on a financial crisis that has pushed a large group of people to look into their finances and ask themselves: "Do I need to delay my retirement, or should I retire now?" If you can still ask yourself this question, then consider yourself to be one of the lucky ones in the first category. Most probably, you still have your job or business. The less fortunate ones in the second category have either lost their jobs or maybe they have experienced serious health complications. These persons have been forced into retirement.

You may feel that this is the worst time to retire. Who can blame you? The market has crashed. You may have lost your job or you may have been forced to close your business. You still have bills to pay. The economy is essentially on hold and you are rightfully worried about your future financial security. You may feel overwhelmed.

The worst thing you can do is to panic. Always remain calm when contemplating decisions about retirement. Retirement decisions affect your financial security for the remainder of your life. Such decisions have major impacts as well, when applicable, on the life of your significant other. It's perfectly normal to be worried during major crises. But this should not make you succumb to fear. Fear-based financial decisions are

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ChartData by YCharts

ChartData by YCharts

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This article was written by

Rida Morwa profile picture
The #1 Service for Income Investors and Retirees, +9% dividend yield.

I am a former Investment and Commercial Banker with over 35 years of experience in the field. I have been advising both individuals and institutional clients on high-yield investment strategies since 1991. I am the lead analyst at High Dividend Opportunities, the #1 service on Seeking Alpha for 6 years running.

Our unique Income Method fuels our portfolio and generates yields of +9% alongside steady capital gains. We have generated 16% average annual returns for our 7,500+ members, so they see their portfolios grow even while living off of their income! Join us for a 2-week free trial and get access to our model portfolio targeting 9-10% overall yield. Our motto is: No one needs to invest alone!

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In addition to being a former Certified Public Accountant ("CPA") from the State of Arizona (License # 8693-E), I hold a BS Degree from Indiana University, Bloomington, and a Masters degree from Thunderbird School of Global Management (Arizona). I currently serve as a CEO of Aiko Capital Ltd, an investment research company incorporated in the UK. My Research and Articles have been featured on Forbes, Yahoo Finance, TheStreet, Investing.com, ETFdailynews, NASDAQ.Com, FXEmpire, and of course, on Seeking Alpha. Follow me on this page to get alerts whenever I publish new articles.

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Analyst’s Disclosure: I am/we are long T, FFC, PCI, PTY, STAR.PG. 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.

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