Secure your retirement with these dividend stocks

Good morning, Historically low-interest rates have made it difficult over the last decade for income-oriented investors that want to... ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­

Good morning,

Historically low-interest rates have made it difficult over the last decade for income-oriented investors that want to generate safe cash flow for their retirements, but you already know this.

Dividend-paying stocks have become more appealing to income investors because of their competitive yields, the favorite tax treatment that dividends receive, and their ability to grow their payouts over time. While fixed interest rates from bond investments will lose purchasing power to inflation over time, the purchasing power of income from dividend growth stocks is more protected because companies tend to raise their dividend payments every year.

We have put together a list of ten companies that offer strong yields (above 4%), have consistent cash flow, and a strong track record of dividend growth. They have raised their dividend for at least ten consecutive years and have low payout ratios (below 75%), meaning that they will have the ability to continue to pay their dividend if their earnings have a temporary dip.

Stock prices will always fluctuate, but the dividends paid by these rock-solid dividend payers should remain secure with only moderate earnings growth over time.

View Our List of 10 "Rock Solid" Dividend Stocks Here

Laycee Kluin
MarketBeat

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Investing in stocks is a bit like having a special kind of piggy bank, but instead of you putting money into it, this piggy bank sometimes gives you money back. This happens when you invest in something called "dividend stocks". Let's explore what dividend stocks are and why they can be a neat part of your savings.

First, let's talk about what a stock is. A stock is a tiny piece of a company that you can own. When you buy a stock, you're buying a little part of that company. If the company does well, the value of your tiny piece can go up. But there's another cool thing about some stocks – they can pay you money just for owning them. These are called dividend stocks.

Dividend stocks are special because the companies that offer them share their profits with you. Imagine if you and your friends started a lemonade stand and decided that at the end of each day, you'd share some of the money you made with people who helped start the stand. In the world of stocks, when a company makes money, it can choose to share some of that money with its stockholders, and this shared money is called a dividend.

Now, why are dividend stocks interesting to have in your savings? One big reason is that they can give you money regularly. Some companies pay dividends every three months. So, if you own stocks in these companies, it's like getting a small gift or allowance four times a year, just for owning the stock.

But, like all things in investing, there are things you need to be careful about with dividend stocks. Sometimes, if the company isn't making much money, it might pay smaller dividends or none at all. It's like if your lemonade stand didn't have many customers one day, you wouldn't have as much money to share.

Also, just because a company pays dividends doesn't mean it's always a good stock to buy. You still need to think about whether the company is strong, makes good products, and has a good plan for the future. It's like choosing a game or toy; you don't just want the one that's popular now, but the one that will be fun and last a long time.

When thinking about investing in dividend stocks, it's like planning a garden. You want a variety of plants, so your garden is colorful and grows well. In the same way, having different kinds of stocks, including some dividend stocks, can make your savings stronger. This idea is called diversifying, and it means you don't have all your money in just one type of stock.

Dividend stocks can also be a fun way to learn about how companies work and how they make money. By owning these stocks, you get to see how different companies do, what makes them successful, and how they share their success with stockholders like you.

So, if you're thinking about where to put your money, dividend stocks can be an exciting option. They let you be a part of a company's success and give you a chance to earn money regularly through dividends. Just remember, like any investment, there's always some risk, so it's important to learn as much as you can, ask adults for advice, and think about what makes the most sense for you and your savings.

In summary, dividend stocks are like owning a small piece of a company that thanks you by giving back some of its earnings. They can be a good way to earn money regularly and learn about the business world. But, as with any adventure, there are ups and downs, so you need to be smart, do your homework, and think about how these stocks fit into your bigger savings plan. Just like in a game, success often comes from having a good strategy, listening to advice, but also making your own decisions based on what you think is best.

Remember, investing in dividend stocks is for the long term. It's like planting a tree; you don't plant it expecting it to grow big overnight. It takes time and patience. You need to watch your stocks and see how they grow, and sometimes you might need to make changes, like if a company isn't doing well over a long time.

Another thing to keep in mind is that even though getting dividends is great, the value of your stock can go up and down. This means the piece of the company you own might be worth more or less than when you bought it. So, it's important to think about both the dividends and the value of the stock itself.

Also, talk to grown-ups who know about investing. They can help you understand more and make smart choices. It's like asking a teacher for help with a tough math problem. They can give you advice and help you learn.

One last thing – investing is a way to think about your future. By investing in dividend stocks, you're not just trying to make money now; you're also planning for things you might want or need later, like going to college or buying something big and important. It's a way to help your money grow over time, so you have it when you really need it.

So, dividend stocks can be a great part of your investment adventure. They offer the chance to earn money regularly and learn about the business world. But always remember to be careful, do your research, and think about how these stocks fit into your bigger investment picture. The key to success is often having fun, continuing to learn, and playing smart!

 

 
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