Wed. Jan 19th, 2022

Our retirement portfolio rose sharply by 3.29% in July and rose 12.72% for this year. The S&P 500 index rose about 2.38% last month. The benchmark for this portfolio, the Invesco High Dividend Low Volatility ETF (SPHD) ETF, lost another 0.60% after falling -1.97% in June.

Monthly retirement performance

Since its inception in January 2017, the initial $ 100,000 investment in this portfolio has grown to $ 166,762, well above our dividend benchmark ($ 134,075).

monthly-performance-retirement-table

The leaders and laggers in July are:

  • WP Carey + 8.13%
  • Real estate income + 5.67%
  • Coca-Cola + 5.40%
  • General Mills -2.57%
  • Intel Corp -4.31%
  • UPS -7.99%

Portfolio growth (initial investment of $ 100,000)

The portfolio growth graph also clearly shows the results of the quality of shares in this portfolio and the lower reduction compared to the SPD. The worst performance of the year in this portfolio focused on retirement was -1.45% compared to -10.35% of the benchmark. This should put less stress on any “retired investor”.

summary of the retirement portfolio

Retirement portfolio Principles

The composition of this conservative portfolio for retirees is based on the following principles:

  • Diversification in various sectors and minimum exposure to 20 stocks
  • Average dividend yield of 3.5% to 4.5%
  • Dividend growth rate of 4% +
  • Dividend score greater than 60
  • Average loss ratio 1.8-2.5 (see defensive aristocrats)

It’s time to check the average dividend yield this month. Based on the initial investment amount of $ 100,000, the retirement portfolio was able to generate an annual dividend income of 3.29% or higher. For this year, the amount of dividend received so far is $ 2,491, which represents 1.68%.

retirement income dividend

More information and portfolio dividend shares are available to members.

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