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Investing/Strategies / Retirement Investing
|Subject: Re: Investing After Retirement||Date: 2/12/2014 6:21 PM|
|Author: MisterFungi||Number: 74248 of 75379|
...does it seem to be too much to have 75 - 100 different companies? Are there that many different solid dividend paying stocks?
Right now I have a small Roth account from which I am trying to garner some experience in managing my own portfolio. From what I have experienced, it doesn't seem unreasonable to expect an overall annual dividend of 3%...
It's terrific that you are thinking long-term. But, if I may, it sounds like you're fairly new to this stuff. Short answer is: unless you want to spend a lot of your time researching individual stocks, you can accomplish what you want with a handful of ETFs (and also save on transaction costs).
Also, you should certainly be able to do better than 3%. In "normal" times, even CDs pay more than that. We are not in normal times now; eventually, things will become more "normal."
And if for no other reason than to protect yourself from large equity swings (after all, some folks lost almost everything a few years ago), you'll want to have at least some portion of your money in bonds. That can also be accomplished with some ETFs if you don't want to spend a lot of time on homework.
Vanguard is a good place to look. But there are other places, too.
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