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Income Factory: Update Blog (Model Portfolio Updates To Book To Be Published January 2020 BY McGraw-Hill)


This blog is a "parking place" for a spreadsheet I have made available to allow readers to project total returns from various combinations of dividend yields and growth rates.

It will ultimately contain model portfolio updates and other materials related to a book currently in process named "The Income Factory: An Investor’s Guide to Consistent Lifetime Returns."

Expected publication date from McGraw Hill: early 2020.

I will update model portfolios and other material and "park it" at this site, whose link address will be included in the book.

Here's the link to the first excel file, referred to in Chapter 4, demonstrating that 10% growth and 0% yield provides the same total return as 0% growth and 10% yield:

Income Factory Yield/Growth Excel Link:  


Steven Bavaria, former executive of Bank of Boston and Standard & Poor's, is a financial writer and consultant. Check out his other book Too Greedy for Adam Smith: CEO Pay and the Demise of Capitalism at Too Greedy for Adam Smith: CEO Pay and the Demise of Capitalism, and his articles about the “Income Factory” on Seeking Alpha ( He is a graduate of Georgetown University and New England School of Law.