The Dividend Guy Blog

Unconventional Lifestyle and Dividend Growth Strategy

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I’m Retired, How Do I Withdraw my Money?

Blog, Principles, Retirement

Over the past could of weeks, I’ve been writing a lot about investing for retirees. We keep talking about how to build a portfolio for your retirement, but we often forget how to manage it once you get there. It’s like everything is over once you cross the finish line… but’s that just the start of another adventure. And this adventure starts with a simple question: how do I withdraw my investments once I’m retired? I’m obviously not ready to retire, so why would you listen to me? Because I’ve …

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Waiters Are Gonna Wait

Blog, Investing Strategy, Principles

Back in September 2017, I started doing webinars about various investing topic. This reminds me of my good old times when I was working with clients. While I can’t and don’t provide buy/sell recommendations or personal financial advice during those sessions, I still enjoy the interaction I have with other investors. As a private banker, I enjoyed doing conferences and “teaching” how the investing world works. Now, I can reach thousands of people instead of a few hundred clients. If you haven’t …

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Top 10 Canadian Stocks for a Retiree’s Portfolio

Blog, Canadian Dividend Stocks, Investing Strategy, Portfolio Building, Retirement

Last week, I discussed the difference between a retirement portfolio and a retiree’s portfolio. There is a big difference between investing for the future and withdrawing from this investment to live. I put my portfolio on fast forward and took a look at trades I would do to make the switch toward a retire-ready portfolio. I was quite surprised to see how different both portfolios were. The point is that you must think about withdrawing money once you retire. Therefore, you need cash ready to …

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The Portfolio I Would Build if I Retire Today Part II

Blog, Investing Strategy, Portfolio Building, Retirement

In my last article, I discussed the first steps to transform a retirement portfolio into a retiree’s portfolio. Today, I’m going to press fast forward on my current pension account and see what changes I would make if I was going to retire tomorrow. Let’s imagine for a minute that I wake up at the age of 64 and in 364 days I will retire and  expect to live another 20. Let’s see what can I do to make my portfolio “retiree lovely”. Let’s start by looking at my current holdings… not retiree …

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The Portfolio I Would Build if I Retire Today Part I

Blog, Investing Strategy, Portfolio Building, Retirement

A few months ago, I’ve received over 100K as the commuted value of my pension plan started working on my retirement portfolio. As the market was trading at an all-time high, I still decided to invest the full proceeds. Keep in mind I’m only 36 and will not be touching this money for a while. A friend of mine asked me if I had invested the money differently if I was about to retire. That’s a very good question. How do you invest your money as a retiree? Do you have to make anything different? Do …

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The 30 Best Dividend Stocks for 2018

Best Dividend stocks, Blog, Dividend Growth

If you are a regular of this blog, you know that each year, I pick 30 stocks to beat a dividend ETF in the upcoming 12 months. Each year, I select 20 U.S. and 10 Cdn stocks and try to build a portfolio. So far, I have a great batting average where I had failed to beat my benchmark only twice (one on each market) since 2012… That was before 2017. Unfortunately, I failed to beat both markets last year. I went a little too aggressive on both selections and 1 pick in each portfolio nailed my …

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