Like many people i was investing in total stock index funds and bond fund allocation. Even through I am years away from retirement, 2022 was a wake up call.  What if I were to retire in a year like this where market lost over 25 percent of investment. Bond funds also surprisingly didn’t held up, and declined as well.This made me look into dividend stocks and dividend index funds for cash generation even when stock values are down.  This portion is technically stock, but performance and stability are better than bond funds.  I haven’t yet completed allocation yet but this is my project to have a good percentage allocated in dividend funds in the next few years.As for finding financial advisors, it seems daunting task.  I find financial people difficult to talk to.

Like many people i was investing in total stock index funds and bond fund allocation. Even through I am years away from retirement, 2022 was a wake up call.  What if I were to retire in a year like this where market lost over 25 percent of investment. Bond funds also surprisingly didn’t held up, and declined as well.This made me look into dividend stocks and dividend index funds for cash generation even when stock values are down.  This portion is technically stock, but performance and stability are better than bond funds.  I haven’t yet completed allocation yet but this is my project to have a good percentage allocated in dividend funds in the next few years.As for finding financial advisors, it seems daunting task.  I find financial people difficult to talk to.

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