• How to Retire on Dividends

  • Earn a Safe 8%, Leave Your Principal Intact
  • By: Brett Owens, Tom Jacobs
  • Narrated by: Tom Jacobs
  • Length: 4 hrs and 12 mins
  • 4.6 out of 5 stars (94 ratings)

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Publisher's Summary

The Fed today is not our friend. Its "low rates forever" policy means we must look elsewhere for yield. Dividend-paying stocks don't help. Blue chips don't pay more than 2% or 3%. On a $1 million portfolio, that's less than $30,000 in annual income. Not enough. There's a better way. Income investing experts Brett Owens and Tom Jacobs show you how to safely double, triple and even quadruple these yields. Turn that 2% that stocks pay into 6%, 7% and even 8% (for $80,000 on that million bucks) without doing anything risky. 

In this book, Brett and Tom will take you beyond Wall Street's "blue chip BS" and create a portfolio that can actually generate meaningful income. It's a "no withdrawal portfolio" that relies entirely on dividend income and leaves your principal 100% intact. 

Bank 8% income without worrying about interest rates, the Fed, or the economy at large. Learn how to retire on dividends alone and keep your capital 100% intact.

©2019 Brett Owens and Tom Jacobs (P)2019 Brett Owens and Tom Jacobs

Critic Reviews

"A must-read for any investor looking to find safe ways to get meaningful yields with principal protection. If you're looking for a way to construct an income portfolio that consistently churts out 6%-8%, this book is for you." (Jeff Remsburg, Editor, InvestorPlace)

"As a podcast host with over 300 interviews I can recognize when someone is knowledgeable and prepared, which describes Brett and Tom's work." (Charley Wright, Strategic Investor Radio)

"If you're retired or nearing retirement, this book is for you. Due to Fed interest rate policy, you'll be lucky to get 0.5% or $5,000 per year on a million bucks. You need to find a better way. Brett and Tom will point you to corners of the markets where you can earn a safe 6%, 7% or 8% return. That means you can withdraw safely $60,000 to $80,000 in interest and dividend income without dipping into your $1 million principal." (Richard Fields, retirement expert and investor)

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I'm a believer

as I was reading and listening I was on my m1 finance account and Google. comparing the stocks mentioned in this book and also the one everyone else was telling me to invest in. I ended up selling all of my old stock for the one's mentioned in this book. 71 total stocks mentioned

6 people found this helpful

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Fantastic Investing Advice

As I approach retirement (I'm 58), I think more and more about how to get steady income, rather than chasing the big winners like Netflix and Amazon. I've had good luck in growth over the years, but now I need a more stable strategy. I feel like I got exactly that with this book. The authors' approach to investing is novel (closed-end funds?) and also quite safe. I was kinda surprised, because I've had other books that were nothing more than an advertisement to join a paid newsletter. The authors, as it happens, do have a paid newsletter, but they do NOT hold back any information in this book. I actually joined the paid newsletter because the book, of course, cannot keep up-to-date, and I appreciate that Owens and company are doing the research for me as the markets change and updating their recommendations. After investing according to their plan, I've earned 41% in dividends and growth since Nov 2020, so I'm not complaining (the market was also up). I think this book is very worthwhile for the person looking ahead to investing for retirement, either after quitting work or in the 5-10 years before doing so. Very well done.

4 people found this helpful

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Probably Better Not in Audio Form

I am a hands on learner so not having the visual aspect was a littlenoff putting especially when talking numbers. I am sure if I was more versed in dividend investing, the concepts in the first half of the book would have been more clear to me. The second half of the books seemed more functional. I am notbsure if it was because I got used to the concepts or it entered the realm of application of which I am more familiar. I will definitely need a second listen. Also, I am not a fan when investing books permote their investments. I am then suspect of the integrity behind the recommendation especially if the author has a benefit from it. Is it about sharing info to make me a better investor or for their own profitable gains.

2 people found this helpful

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Excellent Book

This book really opened my eyes to alternative strategies like Closed End Funds and BDC’s. My investment strategy revolved almost entirely around blue chip dividend aristocrat stocks, but my overall income/yield amount for the effort and amount I had accumulated was unimpressive (3% - 3.5%).

My main focus is on growing passive income without ever having to dip into principe, and this book has shown me multiple safe strategies to double or triple my income from my portfolio. This information has been invaluable!

2 people found this helpful

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solid retirement investment strategy

Brett and Tom do a great job at explaining the bases and motivation of their "8% no-withdrawal portfolio" (and Tom is an excellent reader, very pleasant and clear). however, to actually execute on this strategy I think you'll want to purchase Brett's newsletters (starting at $99/year but you might get a special-offer discount), or have Tom manage your portfolio (if it's at least$100,000). as for me, since I love self-managing my money based on sound advice, I've signed up for the newsletters and plan to try them out for at least a year or two!

2 people found this helpful

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Valuable Information

The book is an excellent guide for investing and obtain a meaningful return. It is Smart, Cautious.

2 people found this helpful

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excellent book thank you

will be looking for more information on investments I hope you have more books

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Good book; not good advise

I recommend this title to anyone looking to expand their knowledge on personal finance and achieving financial independence. I would not, however, implement the strategies that the authors posited. Investing in Closed End Funds (CEFs) constitutes reaching for yield, By the authors' own account, distributions from CEFs do not generally grow. At best, you may be able to maintain your original cash flow with a lot of effort and tax friction. Even then, maintaining a constant cash flow from CEFs will erode your purchasing power over time. Individual investors would be much better off investing in a diversified portfolio of dividend paying growth stocks over the long-term horizon.

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Sound and workable financial system

We have been following this system for a year now and it delivers what it promises; safe income producing investments that allow you to live comfortably and avoid risk. The book is clearly written but you will need a basic understanding of the stock market to fully get the strategy.
My husband and I actually listened to the audiobook while following along with the printed book. It’s almost word for word but the hardcover book includes a number of interesting charts and graphs.
We found it helpful to take the time to look up any financial terms we didn’t fully understand or were familiar with. It also helped us to do some quick research on the funds mentioned in the book using our online brokerage portal.

I highly recommend this book to anyone who want a low risk, high income strategy to fund their retirement.

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great book

very educational easy to understand. would recomend to anyone wanting income for retirement. great job