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How to Retire on
8%+ Dividends
Paid Monthly


Dear Reader,

You’ve no doubt heard pundit after pundit say that you need at least a million dollars to retire well.

Heck, we’ve all heard it so often, I bet it’s the first number most people think of when someone says “retirement savings”!

Let me explain why this endlessly repeated fallacy is dead wrong. You’ll actually need a lot less than that.

I’m talking about just $600,000. And in some parts of the country you could easily do it on less: a fully paid-for retirement for just $500,000.

Got more? Great. I’ll show you how you can retire filthy rich on your current stake.

I know that sounds ridiculous in these inflationary times, but stick with me for a few moments and I’ll walk you straight through it.

The key is my “8% Monthly Payer Portfolio,” which lets you live on dividends alone—without selling a single stock to generate extra cash.

And you’ll get paid the same big dividends every month of the year – so that your income and expenses will once again be lined up!

This approach is a must if you want to quickly and safely grow your wealth and safeguard your nest egg through the next market correction, too!

This isn’t just a dividend play, either: this proven strategy also positions you to benefit from 10%+ price upside potential, in addition to your monthly dividends.

That’s the Power of Monthly Dividends
We’ll talk more about that price upside shortly. First, let’s set up a smooth income stream that rolls in every month, not every quarter like the dividends you get from most blue-chip stocks.

You probably know that it’s a pain to deal with payouts that roll in quarterly when our bills roll in monthly.

But convenience is far from the only benefit you get with monthly dividends. They also give you your cash faster—so you can reinvest it faster if you don’t need income from your portfolio right away.

More on that a little further on. First I want to show you …

How Not to Build a Solid Monthly Income Stream
When it comes to dividend investing, many “first-level” investors take themselves out of the game right off the hop. That’s because they head straight to the list of Dividend Aristocrats—the S&P 500 companies that have hiked their payouts for 25 years or more.

That kind of dividend growth is impressive. But here’s the problem: these folks are forgetting that companies don’t need a high dividend yield to join this club—and without a high, safe payout, you can forget about generating a liveable income stream on any reasonably sized nest egg.

Worse, you could be forced to sell stocks in retirement—maybe even into the kind of plunges we saw in March 2020 or throughout 2022—just to make ends meet.

That’s a nightmare for any retiree, and leaning too hard on the so-called Aristocrats can easily make it a reality: the ProShares S&P 500 Dividend Aristocrats ETF (NOBL), which holds all 69 Aristocrats, still yields just 2% as I write this.

Solid Monthly Payers Are Rare Birds …
You can certainly build your own monthly income portfolio, and the advantage of doing so is obvious: you can target companies that pay more than your average Aristocrat’s paltry payout.

Trouble is, only a handful of regular stocks pay in any frequency other than quarterly, so we’ll have to patch together different payout schedules to make it happen.

To do that, let’s cherry-pick a combo of well-known payers and payout schedules that line up. Here’s an “instant” 6-stock monthly dividend portfolio that fits the bill:Procter & Gamble (PG) and AbbVie (ABBV) with dividend payments in February, May, August and November.Target (TGT) and Chevron (CVX), with payments in March, June, September and December.Sysco (SYY) and Wal-Mart Stores (WMT), with payments in January, April, July and October.Here’s what $600,000 evenly split across these six stocks would net you in dividend payouts over the first six months of the calendar year, based on current yields and rates:


You can see the consistency starting to show up here, with payouts coming your way every single month, but they still vary widely—sometimes by $1,025 a month!

It’s pretty tough to manage your payments, savings and other needs on a lumpy cash flow like that.

And the bigger problem is that we’re pulling in $17,300 in yearly income on a $600,000 nest egg. That’s not nearly enough for us to reach our ultimate goal of retiring on dividends alone, without having to sell a single stock in retirement.

We need to do better.