Hard To Imagine Retirement Income Without These 2 Cash Machines

Jul. 03, 2025 9:15 AM ETUTF, PFFA8 Comments
Roberts Berzins, CFA
10.51K Followers

Summary

  • Achieving financial independence through income-only investing is challenging, especially with no asset sales and the need for inflation protection.
  • Yet, this strategy reduces longevity risk, enables generational wealth transfer, and lessens stress from market volatility.
  • The best approach is to target high-quality, high-yield value stocks with stable dividends and reasonable valuations, avoiding value traps.
  • In the article, I discuss two core high-yield picks that align with these objectives and support a sustainable income-focused portfolio.
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As for an income investor, who wants to become financially independent by having a portfolio that funds living expenses just through the generated current income, the journey to get there is quite challenging.

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This article was written by

10.51K Followers
Roberts Berzins has over a decade of experience in the financial management helping top-tier corporates shape their financial strategies and execute large-scale financings. He has also made significant efforts to institutionalize REIT framework in Latvia to boost the liquidity of pan-Baltic capital markets. Other policy-level work includes the development of national SOE financing guidelines and framework for channeling private capital into affordable housing stock. Roberts is a CFA Charterholder, ESG investing certificate holder, has had an internship in Chicago board of trade (albeit, being resident and living in Latvia), and is actively involved in "thought-leadership" activities to support the development of pan-Baltic capital markets.

Analyst’s Disclosure:I/we have a beneficial long position in the shares of UTF, PFFA either through stock ownership, options, or other derivatives. 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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