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Retirement Strategy: A Dividend Growth Portfolio For Those With A Comfortable, Long Time Horizon

May 05, 2020 9:02 AM ETAAPL, AMZN, DIS, DJI, ED, JNJ, MSFT, O, PEP, PG, T, WMT, XOM160 Comments
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Regarded Solutions


  • Those dividend growth investors with time horizons of 20 to 30 years or more are in an envious position.
  • How about some suggestions for a "pandemic" dividend-growth portfolio?
  • Not all of us are retired or nearing retired, so why not start building a portfolio for younger investors right now, while there are some very attractive buys?

Let's have some fun for a change. After all, we are tired of just talking about the negatives we are currently living through, right? These awful times will not last forever and you younger investors might have a pretty good opportunity in the face of all of this gloom!

A Longer Time Horizon Dividend Growth Investor

Not everyone is already retired. There are plenty of younger investors who are either just starting out or trying to build a solid dividend growth portfolio because they have 20 to 30 or more years to go before retirement. I can recall taking more risk (not usual for me) and being aggressive when I began dividend growth investing 40 years ago. Not everyone has a large risk appetite these days, so I'll go for a bit more conservative approach.

Here are a few simple guideline suggestions that younger dividend growth investors should keep in focus:

  • You have time on your side and have a relatively secure well paying job ($50,000 or more annually).
  • Your appetite for risk might be above average because you have a great job and plenty of time to make up for some lousy selections.
  • You must realize that a balanced dividend growth portfolio does not need to have only dividend aristocrats or kings and can include dividend "opportunity" stocks that carry more risk.
  • You will need to maintain a budget and consistently invest in your selections on a very regular basis. Every paycheck is a great start.
  • Remember to set aside a cash reserve to fall back on when or if needed - either for opportunistic dividend stock buys, or to pay essential bills if things go haywire.
  • Reinvest all dividends received right back into your portfolio holdings. You won't need the income for a very long time.
  • The more

This article was written by

Regarded Solutions profile picture
We mourn the loss of Alan Saltzman aka Regarded Solutions who lost his long battle with a terminal illness and departed on April 6th, 2021. Alan was a veteran contributor who started his journey with Seeking Alpha in 2011. He published more than 1000 articles and built a strong readership base of close to 80,000 followers. His contributions and expert guidance on retirement strategy will be immensely missed by Seeking Alpha and its readers._______________________________________________________________________My life's journey through retirement in my later years. and my suggestions going forward! Keep it Simple, Smart, and Safe!Stage 4 cancer.....2 years ago I couldn't focus...I stopped writing etc.....went on chemo, had to make stuff easy for my wife.....got out of all equities and now have fixed income and private family investments.Thanks for your support RS

Analyst’s Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. 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.

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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