Dividend-Paying Stocks are Investments That Can Build Your Wealth

I know a lot of people nearing, or in retirement, including my own parents. And while they're all mentally prepared for margaritas by the pool, time spent watching the grandkids, and long trips to France, very few of them are financially prepared.

I also have many younger friends, people in their 20s, 30s, and 40s. They're far away from retirement, and they're acting accordingly ... spending lavishly, ignoring long-term financial plans, even living paycheck to paycheck. They think very little (if ever) about how they'll survive decades down the road. They figure they have plenty of time before they need to start worrying. Wrong!

In fact, you absolutely must shore up your financial future with a nest egg that will both maintain the wealth you've already amassed, and provide you with steady income in the future. Why?

Any money you're going to receive from Social Security will amount to a mere pittance ... at best! But don't take my word for it ... the Social Security's own website states that unless changes are made to the system, someone who's 35 today can expect their scheduled benefits to be reduced by 26% in 2040, and possibly by more every year thereafter!

Company-sponsored pensions are rapidly becoming a thing of the past. Many old-line companies are discontinuing their plans. Many more don't even have enough money to pay out their current obligations. And you certainly can't count on the government's backup, the Pension Benefit Guaranty Corporation, to pick up the tab - it's currently underfunded by billions of dollars!

Even if you're lucky enough to have a steady pension plan - you'll have to face the eroding effects of inflation. Soaring healthcare costs ... surging energy prices ... spikes in food prices ... in short, prices for the things you want - heck, need - will only rise over time.

One last thing to consider: Life expectancies are steadily increasing. That's definitely something to celebrate ... but it also means you'll need an even bigger nest egg. After all, the only thing the U.S. government gives centenarians is a letter from the President. (At least in Japan they get silver cups!)
Now, the good news: I know just the investments to help build your wealth and secure a steady future income stream. And I won't keep you guessing ... I'm talking about dividend-paying stocks.

In fact, if you're settling for "minimum wage" yields from your income-producing investments, it's time you gave yourself a big, big pay raise!

See, dividend-paying stocks are the answer to what I call ...

"The Fixed Income Dilemma"

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Let's say you have $10,000. And let's say you buy a 10-year bond, earning about 5%. Where does that leave you?

First, even if inflation gets no worse than it is today, your yield will barely cover the rising prices of health care, energy, rents, or college tuition. Remember, your yield is locked in. It never goes up. That's bad.

Second, at the end of 10 years, your principal will be exactly what you started with - $10,000 and not a penny more. That's worse. Why?

It gives you zero growth in your nest-egg. It adds nothing to your retirement fund, your children's college fund, or your "just-let-me-enjoy-life" fund. It's a dead end precisely when you need an open highway. In contrast,

Even Some of the Stodgiest
Dividend-Paying Stocks Can
Multiply Your Income over Time

If you want to use relatively conservative stocks to get yields that will beat the pants off of what you'd get from CDs, money markets, or Treasury bonds, all you have to do is buy and hold the shares of companies that steadily increase their dividends.

By default, most of these firms will have fairly stable businesses, even-keel earnings, and established positions in their respective industries. There's no other way they'd be able to consistently pay out more and more money to their shareholders.

Of course, that's just the beginning. There's an even better benefit of owning stocks with steadily rising dividends ... and it doesn't get much play by the mainstream investment community. The concept is called yield on cost. Here's how it works:

Say you buy a stock for $10 a share and it's paying an annual dividend of $0.50. You're immediately getting a nice yield of 5%. Not bad!

Now, what if the company boosts its dividend by $0.05 a share every year? Ten years later, the stock will pay an annual dividend of $1 a share.

Assuming the company has been doing well (this is almost a given if it's been able to increase its dividend), your stock has probably risen in value. Let's say it's doubled to $20 a share.

If your dividend is now $1, the stock's yield is still 5% (1 divided by 20). But is that the yield you're actually getting?

After all, you only paid $10 for the stock. That annual dividend of $1 actually represents 10% of your original purchase price! That's your yield on cost. Many investors fail to recognize this simple fact.

The best part of this principle is that it applies to all dividend-paying stocks. As long as you buy into companies that are boosting their payments, your effective yield will keep going up ... and there's absolutely no limit to how high it can go!

Imagine how much more comfortable your retirement lifestyle will become once you double or triple what you're earning! If you can only afford to take one dream vacation a year, instead you'll pack your bags and go three times a year. If you only go out to dinner once a week now, you could dine out three nights a week.

Or, think how much more you could do for your children and grandchildren ... or how you could simply enjoy life more!

The best part is that this is not an exotic strategy. It's not hard to implement or maintain. It's just a matter of picking solid stocks and holding them. In my opinion, it's the perfect way to build a core portfolio of rock-solid income-producing stocks.

Of course, I also realize that you might need more income right away. If so, I'm happy to say that there are plenty of ...

Dividend Stocks with CURRENT Yields
That Blow Away the Rates
From Other Income Investments!

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I'll be the first to tell you that you can't just look at a stock's yield and buy it. That would be a big mistake. Many times, a way-above-average yield is a giant STOP sign.

After all, when a company is doing poorly, its stock price falls. That, in turn, pushes up the stock's yield. And the stock price often stays down or the dividend gets cut.

On the other hand, sometimes investors have punished a stock unnecessarily, and the shares' weakness ends up being temporary. Man, I love it when the market serves up gifts like that!

Reason: While there's some additional risk involved, the rewards can be very attractive. Some of these stocks boast annual yields of 8%, 10%, even 20%. I look at it this way - even if those returns only last for a few years, these investments will pay for themselves in very short order. If they continue making those payments well into the future, all the better!

How can you tell when a fat yield is too good to be true? Here are three things to look at ...

First, check out the company's financial statements and past earnings releases. Specifically, study its cash flows ... if money ain't coming in, it certainly can't keep flowing back out to shareholders.

Second, favor sectors and industries where it's normal to pay out above-average dividends, but always keep the yield in context. If one utility company is paying out a yield that's three times as high as those of other utility stocks, investigate more intensely before you put down your hard-earned money.

Third, look at the recent trend in the stock's dividend payments. If they've they been falling or stalling, look long and hard before you invest.

After all, a company's ability to pay steady dividends over time - and its power to increase them - are the single best clues about the quality of the company.

If these bullet points help you, Click here to get these free dividend reports

That's why the smart investors in the world today are sending this simple and blunt message to corporate boardrooms:

"Don't give me any more slick press releases. Don't make me any more empty promises. Just put your money where your mouth is ... and get my dividend check in the mail!"

I couldn't agree more. When it comes to stocks, nothing should satisfy you more than getting regular dividend payments. Never forget, the whole point of owning a business is getting your share of the profits!

Speaking of profits ...

Dividends Are Sweet;
Capital Gains Are the
Icing on the Cake!

You can see why I love dividends. They indicate a strong, profitable business. They demonstrate a commitment to shareholders that's all too rare these days. And they represent immediate, non-refundable returns on your investment.

However, dividends are just one of the ways that you can make money from dividend-paying shares. Capital gains from rising stock prices are another. Together, your dividend payments and capital gains become your investment's total return. Let me explain ...

When you invest in stocks that pay dividends, you expect to get regular checks in the mail. But you can also expect your stock to increase in value over time. Reason: Dividend-paying companies tend to be immensely profitable, so it's almost a given that the values of their businesses will increase, too.

The shares of more mature businesses don't always give investors eye-popping capital gains. They're better at doling out reliable income streams with their stocks rising in line with the overall stock market.

However, there are plenty of other dividend-paying companies that are at earlier stages of development. Many of them are smaller, off-the-radar firms that are posting barn-burning numbers. And because of their stellar growth, their shares offer the chance for big capital gains.

Now, I know that "growth" has become a dirty word to some investors. And I can see why - during the tech bubble, all we heard were promises of growth, growth, and more growth ... from companies that vanished just months later.

But it's a whole different ballgame when we're talking about dividend-paying growth companies. Remember, the very fact that they make regular payments to their shareholders demonstrates their financial strength and staying power.

In addition, I'm careful about how I define "growth." I look for companies that have both rising sales and rising profits. Plus, I add an additional element to the mix: I look for those growing dividend payments!

Finding companies that meet all three criteria isn't easy, but I love the hunt. It's the best way I know of to find killer total returns, and tomorrow's great income stocks!

Learn How to Double Your Income And
Your Wealth! Start Now to Live the Rich,
Worry-Free Life You Deserve!

Now that I've explained the huge potential in dividend-paying stocks, how much longer are you willing to keep your money earning a fixed rate of 4%, 3%, even less than 2% - not even enough to keep pace with inflation?

How much longer are you going to let the rising cost of prescription drugs, housing, energy, insurance and other everyday expenses erode your lifestyle and threaten your golden years?

This is not just a future threat. It's happening now. And even if inflation gets no worse, it could eat away at the comfortable, worry-free retirement you've worked so hard to achieve.

Fortunately, that scenario is totally avoidable just by taking simple steps to boost your income and total return. Heck, with the right dividend-paying stocks, you could double your money in seven years. That's right - if you consistently earn a conservative 10% a year, your portfolio will double in just seven years.

And that's without subjecting yourself to a gut-wrenching, high-risk roller coaster strategy ... without in-and-out trading ... and without leveraged investments.

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But, needless to say, we don't live in a perfectly predictable world. Once in a while, the unexpected happens. It may be an unusually attractive dividend-grabbing opportunity that pops up out of the blue. Or it may be an unexpected danger that can temporarily threaten even a sturdy dividend-paying stock.

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To your investing success,

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