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When you say that almost all your holdings are dividend producers, are you saying that you don't have much of a balanced asset allocation? Would it be fair to say that you plan never to sell the stocks and just to live off the dividend? Or a combination of asset sales to release capital growth and dividends? Do you hold many individual stocks?

I'm just thinking about the times you might experience when the market is down 20%+ and without diversification if these stocks cut dividends you might get a little bit stuck. Curious about your thinking/planning on this.


As a retiree I have structured my portfolio so that almost all my holdings are in dividend producing stocks which grow their dividend each year, year in, year out.
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