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Three Choices Retirees Need To Consider

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  • Retirement planning is essential.
  • These three decisions can help shape your retirement lifestyle and investing.
  • Lets Take a look!


Dear follower,

I've been doing this for long time. I don't say that to brag, but to build a foundation for what I am going to be talking about. I often get questions from my over 4400 High Dividend Opportunities members as well as free readers and the general public.

Retirement is a big deal. You spend your life saving for it or you spend your later years stressing over it. Sometimes you do both!

Often people here about so many types of investing and their focus. Total return. Dividend Growth. Immediate income (our focus). Momentum. Growth. Contrarian. The list can go on and on.

Before you even tackle any of that, need to consider the following choices:

Choice One: Advisor or Self-directed Investing?

Retirees or Soon-to-be retirees will need to decide how involved in the investment process they want to be. Advisors can often help retirees outperform the market, but they come with a high cost. Some are well worth their price while others, not so much. Why can Advisors outperform? They work from an arms length view. They are required to work with your best interests in mind but also are doing so from a more objective mindset. It is often emotional investment choices that cause the individual investor to stumble.

Investment communities like High Dividend Opportunities fill the void between doing it all on your own, or paying someone else to do it all. We provide top notch research and a model portfolio. However the final choices are your own. This gives you the best flexibility to enjoy a level of control with access to excellent research.

Either way, its an important decision to make.

Choice Two: No Debt or Low-Rate Debt?

The next choice is all about the negative. Debt. Many individuals will focus on paying off all their major debt before entering retirement. Its all about peace of mind. If everything else fails, their home is their own.

Others see low cost debt as a useful tool to keep more cash on hand vs tied up in their home. Mortgage rates are mindbogglingly low and can be had at times for before 3%. This makes it much easier to find investments yielding above 3% to offset the cost of interest.

Most retirees in my humble opinion are better off with the mental and emotional benefits of having no debt, however it is a decision you will want to make based on your situation.

Choice Three: Leave an Inheritance or Spend it all?

For a longtime, legacy investing or leaving an inheritance was extremely important to families. This however has waned over the years and many retirees would rather enjoy their later years than leave behind cash.

Whichever you choose may change how quickly you spend your IRA's funds or the types of investments you choose. Long-view investors aiming to leave an inheritance are willing to bet on slowly rising dividends or non-paying securities as they envision wealth beyond their lifespan.

What is your goal or focus? Deciding this can change how you live off of your retirement funds.

Regardless of your choices, we are always happy to help you achieve them!

What does High Dividend Opportunities do?

With a team of six experts, we point out safe havens to rest your ship in. We highlight risks worth taking to maximize your chances of reward. We help you man your ship with tools, expertise, and knowledge so your portfolio isn't lost at sea.

When sailing often an experienced crew can be the difference between success and failure. Are you a one-man vessel standing against the ocean alone? Let us bring our unique Income Method and our SMART Income Scores and add them to your tool box to navigate these waters. For only $408 the first year of your membership on the annual plan, you get access to these tools and a model portfolio to craft your own ship after. Make adjustments, make needed improvements and join our flotilla of over 4300 other portfolios capturing rewards from this market together.

What Are New Members Saying?

These investors could be you in the future.

Why Invest in High Dividend Stocks?

Why should you invest in high yielding dividend stocks? They provide high immediate income. This income is the only form of real return an investor can receive while still holding onto their shares of a company. It is cold hard cash and provides a buffer against the volatility of the market!

Here at High Dividend Opportunities we are experts at finding high quality, undervalued dividend stocks for you to invest in. This creates high yielding opportunities where normally they wouldn’t or shouldn’t exist. We issue real time buy alerts to our members to capture these high yields allowing you to get more income to reinvest elsewhere or live on!

How can you gain access? Simple. Sign up for High Dividend Opportunities. Take a 2 week free trial for a spin and you'll never look back.

A Short Explanatory Video

I often get asked what exactly High Dividend Opportunities has to offer and who would really benefit from it. So I and my team decided to make a brief video that would help answer those questions. I think it is a must-see for all retirees and investors planning for their retirement. Take a look for yourself and let me know what you think!

Spring into Summer Limited Time Sale - With Up to 20% Off!

We've seen new members joining to get into the positive atmosphere and focus on the future. We have decided to cut our prices for your first year of membership to make this easier for you. Average folks like you and me shouldn't be shut out from great opportunities!

At High Dividend Opportunities, this past year has been a busy one, with thousands of new members joining our group and enjoying recurrent high dividends.

When you change your perspective, you can change your life. We've had countless retirees tell us their income stream is larger, life is less stressful and they don't feel the need to be panic-driven tied to their brokerage screen monitoring every changing pixel of market value. They sit back, enjoy life and recognize what wealth really is.

Many new members have locked our special 20% off their first year of membership and you can too! These new faces are jumping right in because now is the time to be buying high-yielding safe dividend plays and enjoy the high dividends for years to come.

How Do I Get This Sale Price?

You can simply sign up for High Dividend Opportunities and get 20% off your first year. That is $408 for the annual plan or $720 if you decide to pay monthly. The annual plan discount is an additional 43% off compared to the monthly plan!

High Dividend Opportunities, The #1 Service for Income Investors and Retirees

We are the most subscribed-to service in the high-yield space, and consistently the highest-ranked service on Seeking Alpha since 2016. We spend countless hours and over $300,000 per year researching the market and locating mispriced, oversold, and undervalued opportunities. We share those opportunities with our members at a fraction of the cost.

Over 4400 members have joined us already, come and give our service a try!

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Most importantly, you get access to our defensive investment strategy, with picks that are set to soar in case we hit a recession.


No one needs to invest alone. Join our family of income investors by Clicking HERE!


Rida Morwa

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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