"Moderate tier (5% to 7% yield). $1,580,000 at 6% equals about $94,800 a year; at 7%, about $110,600. Net-lease REITs, preferred shares, covered-call equity income funds, and high-dividend telecom live here. Realty Income (NYSE:O) pays a $0.2705 monthly dividend for a 5.2% yield, riding a streak of 670 consecutive monthly payme"
A restaurant sale generates cash and retirement assets, but taxes reduce the investable amount available for retirement. After accounting for capital gains taxes, the couple may have roughly $1.3 million in cash plus a SEP-IRA, totaling about $1.78 million in working retirement assets. At age 67, Social Security provides an income baseline around $57,600 annually for a dual-earner couple. The portfolio then targets the gap between baseline income and desired lifestyle using yield-based tiers. A conservative 3%–4% yield supports about $55,300 to $63,200 annually from dividends, combining with Social Security for roughly $113,000 to $121,000 gross income. Higher-yield tiers use different income strategies to increase annual cash flow.
#retirement-planning #capital-gains-taxes #social-security-income #dividend-investing #income-portfolio-strategy
Read at 24/7 Wall St.
Unable to calculate read time
Collection
[
|
...
]