{"id":49,"count":3,"description":"<p>Broadly speaking, income investing is a strategy that focuses on income return ahead of portfolio growth. Understanding our approach to income investing starts with knowing a simple formula: TR=I+G. That stands for, \u201ctotal return equals income plus growth.\u201d Contrary to popular belief, \u201creturn\u201d and \u201cgrowth\u201d are not one-and-the same. It\u2019s not that simple. Total return is a sum of both growth and income. Growth is measured in capital appreciation while income comes in the form of interest and dividends.<\/p>\r\n<h2>What are My Income Investment Options?<\/h2>\r\n<p>We help you shift your focus from growth to income (from \u201cthe G to the I\u201d), ideally during the transitional stage five-to-ten years before retirement. That\u2019s when your financial priorities should be transitioning from accumulating assets to generating income. We can help you make the shift smoothly with a strategy that is aligned with your retirement goals, right for your risk tolerance\u2014and gives you a broad range of investment options.<\/p>\r\n\r\n<p>These options include:<\/p>\r\n<ul>\r\n \t<li>Conservative, fixed-income tools such as individual bonds and bond-like instruments. Many of these options are designed to protect your principal from loss and generate income at a fixed rate regardless of market conditions.<\/li>\r\n \t<li>Less conservative tools such as preferred stocks, REITs, BDCs and dividend ETFs.<\/li>\r\n \t<li>And somewhat riskier options such as high yield dividend stocks.<\/li>\r\n<\/ul>\r\n<h2>What Is The Best Investment Plan for Monthly Income?<\/h2>\r\n<p>The goal of income investing is to generate annual income sufficient to meet your needs and goals for up to 30 or more years of retirement. Some tools generate income on a monthly basis and some quarterly. The plan that\u2019s best for you depends on your individual goals and risk tolerance level, in addition to several other factors. These include your age, total assets, and other sources of retirement income, including Social Security. Unlike many growth-based advisors, we don\u2019t use \u201ccookie-cutter\u201d investment strategies. Ours are tailored specifically to each client, and actively managed to account for changes in your life\u2014and changes in the financial markets, of course. The goal of every strategy is to maximize your income return and strategic growth potential in a way meets your needs and is right for your risk tolerance.<\/p>\r\n<h2>Does Income Investing Require Sacrificing Growth?<\/h2>\r\n<p>The simple answer is \u201cno\u201d. Shifting your strategic focus from growth to income doesn\u2019t mean sacrificing growth; it only means achieving growth more strategically. Rather than crossing your fingers and hoping for capital appreciation, you instead achieve growth through the strategic reinvestment of any interest and dividend return you don\u2019t need for income. We call this \u201corganic\u201d portfolio growth, and our strategies allow you to achieve organic growth whether you\u2019re investing very conservatively in only bonds and bond-like instruments, or more aggressively in things like REITs, preferreds or dividend stocks.<\/p>\r\n<p>If you\u2019re retired or nearing retirement age, we can help you create a comprehensive income strategy geared directly toward your individual needs and goals\u2014starting today! Don\u2019t wait another minute to take charge of your financial future. Contact us now to speak to one of our income specialists in your area.<\/p>","link":"https:\/\/retirementincomesource.com\/financial-services\/income-investing\/","name":"Income Investing","slug":"income-investing","taxonomy":"financial-services","meta":[],"_links":{"self":[{"href":"https:\/\/retirementincomesource.com\/wp-json\/wp\/v2\/financial-services\/49"}],"collection":[{"href":"https:\/\/retirementincomesource.com\/wp-json\/wp\/v2\/financial-services"}],"about":[{"href":"https:\/\/retirementincomesource.com\/wp-json\/wp\/v2\/taxonomies\/financial-services"}],"wp:post_type":[{"href":"https:\/\/retirementincomesource.com\/wp-json\/wp\/v2\/services?financial-services=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}