Retirement

KISS Retirement Investing For Conservative Investors

KISS stands for ‘keep it simple, stupid’.

The idea behind KISS is that people, especially smart people, tend to over-complicate things.

Q3 2019 hedge fund letters, conferences and more

Retirement

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The more complicated something is, the more chances there are for mistakes to occur.

“Simplicity is the ultimate sophistication”Attributed to Leonardo Da Vinci

We believe that investing to prepare for retirement or investing in retirement should be kept simple.

Retirement investing is all about creating passive income.  It doesn’t get much simpler than that.

At Sure Dividend, we focus on dividend paying stocks (and closely related REITs and MLPs) to build a growing passive income stream.

The Advantage Of Investing In Stocks

That’s because publicly traded equities have a host of favorable characteristics:

  • Stocks have generated the strongest returns of any major asset class over the long run – and it isn’t close.
  • The cost of buying and selling individual securities is incredibly cheap now – and holding stocks after purchasing them is free (free is good).
  • The stock market’s combination of transparency (readily available financials) and liquidity reduce uncertainty relative to more opaque and illiquid investments.

One downside of the stock market is the price volatility caused by the market itself being so active.  When you see prices change quickly, it can be difficult to hold for the long-run.

How To Turn The Big Disadvantage Of Stocks Into A Positive

The big drawback of the stock market is volatility… But that isn’t a real drawback with income investing.

It’s also where being a relatively conservative, long-term investor becomes an advantage.

“When an investor focuses on short-term investments, he or she is observing the variability of the portfolio, not the returns – in short, being fooled by randomness.”  – Nicholas Nassim Taleb

If your portfolio produces the income you need, if stock prices fall by 10% or 50% your income doesn’t (assuming you are in strong businesses likely to increase their dividend rather than reduce it).  So price declines don’t impact the reason of investing; income.

But price declines do mean that putting new money into the market from any source (reinvested dividends, transferring funds from overpriced stocks to underpriced stocks, or new savings) is invested at more attractive rates.

Conservative investors will naturally be drawn to higher quality businesses less likely to reduce their dividend payments during recessions.

And when you invest conservatively for income you get to profit from market volatility by choosing when you buy and sell, instead of letting the market dictate your moves.

Picking exactly what to invest in can get complicated, but it doesn’t have to.

On Investing Fees & Individual Security Selection

There are a variety of investing services out there that range in price from asset managers and active mutual funds to investing directly in individual stocks.

The average total advisory free for clients including underlying assets is 1.17% according to RIA in a Box.  For a $1,000,000 portfolio, investing in individual securities yourself saves $11,700 per year (and savings are more as your account grows).

The less you pay in investing fees, the more money is left in your investment account to grow and produce income for you.  This is another simple concept.  The less you pay the more you keep.

This means investing in individual securities.  And specifically, income producing securities to generate passive income for investors in retirement or preparing for retirement.

How to find quality individual income securities to invest in is discussed below.

How To Find Quality Income Security Opportunities

There’s no way around it – the most comprehensive way to find quality income dividend stocks and related investment opportunities is to analyze as many candidates as possible.

“The person that turns over the most rocks wins the game.  And that’s always been my investing philosophy.” – Investing legend Peter Lynch

But that level of diligence is both time intensive and difficult…

That’s where The Sure Analysis Research Database comes in.  We analyze more than 600 securities every quarter in Sure Analysis.  Our database is focused on dividend and income securities.  The vast majority of securities in The Sure Analysis Research Database pay a dividend or distribution.

Our database includes all Dividend Aristocrats (S&P 500 securities with 25+ years of rising dividends), Dividend Kings (50+ years of rising dividend stock), many other dividend growth securities, REITs, MLPs, many securities that pay monthly income, and more.

Note:  We added ~160 net new securities to Sure Analysis in 2019, and will continue to increase our database coverage universe going forward.

The securities in The Sure Analysis Research Database are analyzed with metrics that matter so you can compare different income securities to each other.  Metrics we use include:

  • Dividend Yield
  • Fair Value Price
  • Dividend Risk Score
  • Retirement Suitability Score
  • 5 Year Forward Expected Growth Rate
  • 5 Year Forward Expected Total Returns

Note:  You can see how we calculate these metrics on our Sure Analysis Glossary page.  You can also learn more about our investing framework on The Sure Dividend Investing Method page.

We have two premium newsletters that run on data from The Sure Analysis Research Database to help income investors find quality investment opportunities.

Each month we analyze our Top 10 dividend growth securities in The Sure Dividend Newsletter.

And separately, each month we also analyze our Top 10 high yield (4%+ yields only) securities in The Sure Retirement Newsletter.

The Sure Retirement Newsletter has higher yields on average versus The Sure Dividend Newsletter; the trade-off is higher yield for less growth and/or safety, on average.  There’s no way around it, you must give in one category to get in another.

There’s little overlap between our newsletters (many members subscribe to both).  The December 2019 editions had just two securities in common between their respective Top 10 lists.

Why Now Is The Perfect Time To Get Started

There’s a price increase coming on our two premium newsletters to better reflect the value they provide.

But, from now through tomorrow (12/31/19) only – no exceptions – we are offering a special deep discount coupon on our newsletters:

  • In early January 2020 each newsletter will be $149/year
  • They are currently priced low at just $89/year
  • The coupon code links in this email reduces your price to just $49/year per newsletter for savings of $100 annually off the coming price increase amount
  • Your price will never increase after joining.  And our prices will never be this cheap again
  • The Sure Dividend Golden Rule Commitment gives you the chance to try our newsletters with very little commitment

The Sure Dividend Golden Rule Commitment is our guarantee to treat our customers the way we’d want to be treated.  It includes the following:

  • 7 Day Free Trial
  • 60 Day Full Refund Grace Period
  • Prorated Refunds After 60 Days
  • Price Lock Guarantee (your plan price will never increase after joining)
  • Pre-Billing Renewal Notifications
  • Top-Notch Customer Service

Click the links below to start your 7 day free trials of The Sure Dividend Newsletter and The Sure Retirement Newsletter and lock in your deeply discounted price.

Click Here & Start Your Sure Retirement Newsletter Free Trial Now

Note:  Enter coupon code Save40 if the discount doesn’t apply automatically (but it should apply automatically).

Please email support@suredividend.com if you have any questions.  We look forward to hearing from you.

Thanks,

Ben Reynolds

Sure Dividend


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