so i was looking @ my lil retirement plan yesterday, im in 1 of those retire by _____ year jounts.

shit was down a lil over 1% for 2015

and only up a shade under 6% for the previous 2 yrs

now i recognize
1) coming out the meltdown of 08, shit still isnt right
2) 6% aint too bad

but! i wanna diversify things. shake it up a little.

http://www.cnbc.com/id/45225278

so im looking for like a fund...of all the most stable dividend yielding stocks.

conservative yes. but it adds up, seems like faster. right?

ie i got a fund full of stocks yielding lets say on avg 1-3%. a quarter or annually or whatever. well, that money gets reinvested on top of the growth the fund will have (not always but enough)

know what i mean vern?

if one of yall knows abt something along those lines, hollerate.

or whatever.


does it really matter?

for all my fans who keep my name in their mouth: http://i.imgur.com/v2xNOpS.jpg

.

****
pink toes: http://i.imgur.com/WN7DPL1

I just realized it's a little expensive with an expense ratio of 0.39% but it does what you're looking for. Here's what Morningstar has to say

"IShares Select Dividend is consistently one of the
highest-yielding dividend-focused exchange-traded funds.
The fund employs screens to reduce the risk of dividend
cuts, primarily by excluding firms that pay out too much of
their earnings or have not grown their dividend-per-share
ratio for the past five years. It then selects the
highest-yielding stocks and weights them by the total
dollar amount of dividends paid in the previous year. Most
dividend ETFs are concentrated in the large-cap firms that
distribute the majority of the market's dividends, but only
15% of this fund's portfolio overlaps with the S&P 500's.
This makes the fund somewhat of an outlier when
compared with most dividend ETFs, which tend to have a
75% or greater overlap with the large-cap benchmark.
DVY's portfolio is tilted to defensive mid-cap deep-value
stocks and therefore is less correlated with the broad U.S.
market than other dividend ETFs. However, the fund's
0.40% expense ratio makes it one of the more expensive
dividend funds on the market......"

Otherwise, you're probably better off putting most of your money into index funds that track the S&P or total stock market. You won't beat the market but you also won't significantly underperform it. I put most of my money into VTI (expense ratio of 0.05%) and it's returned healthy double figure all but one year since 2009.

edit:

The target date fund you have is ok but I don't agree with the underlying premise (reduce risk as you near retirement by increasing the allocation to bonds).

Reality is, your target retirement is a guess and you'll likely live longer than you expect so you'll still need appreciation even in retirement. So my strategy (right now) is to stay invested in the market with index funds and then switch over, as necessary, in the future.

<-><-><-><-><-><-><-><-><->
<-><-><-><-><-><-><-><-><->

we in a rough patch as far as WTI is concerned now
but soon as this is over and oil jumps back to 80-100 / bbl
most of these O+G stocks will shoot up 50% - 200%
some of the smaller companies could do a 500% jump ($5 to $25 or something like that)

****
pink toes: http://i.imgur.com/WN7DPL1

just curious what a target amount would be


I dont aim to get rich from the market


I'm thinking a mix of low risk low yield and maybe some faster stuff as well.

***********************************************************
https://soundcloud.com/swageyph/yph-die-with-me

One option is just add more money to the pot over time

)))--####---###--(((

bunda
<-.-> ^_^ \^0^/
get busy living, or get busy dying.

My Retirement acct was on that 6% range too so I had to make some changes

Personal acct i think im going Vegas style with these Marijuana stocks
A/C shutting down i need Somewhere else to let the good times roll

)))--####---###--(((

bunda
<-.-> ^_^ \^0^/
get busy living, or get busy dying.