The Average Joe Investor

Here's the Chart That Changes How Retirees See Diversification
The Average Joe Investor What's New

Here’s the Chart That Changes How Retirees See Diversification

Passive income investing is a way to generate consistent cash flows without the expense of buying and selling rental properties. This strategy can support long-term growth when dividends are reinvested. However, chasing yield can lead to overpaying for shares with unsustainable earnings streams. A high yield may also signal that a company is struggling to […]

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You Probably Ruled Out Annuities for the Wrong Reason
The Average Joe Investor What's New

You Probably Ruled Out Annuities for the Wrong Reason

Passive income investing dividend demands upfront planning based on your financial situation, risk tolerance, and timeline (extra monthly income or early retirement goals differ from building toward financial independence). Smart diversification and disciplined reinvestment across diversified streams accelerates wealth. Guardian’s team uses a proprietary “GPS” investment approach to manage a target income fund portfolio. Learn […]

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How to Take Profits Early on SPX Options and Make 2.3x More
The Average Joe Investor What's New

How to Take Profits Early on SPX Options and Make 2.3x More

The best passive income investing dividend strategies combine three key factors. Guardian’s GPS investment approach sifts through dividend-paying stocks based on yield, growth and sustainability of the payout profile. Investing in dividend-paying stocks can offer both steady income and capital appreciation, particularly when reinvested dividends compound returns over time. But understanding the basics is essential […]

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The Sequence Risk You Never Thought Could Ruin Your Retirement
The Average Joe Investor What's New

The Sequence Risk You Never Thought Could Ruin Your Retirement

Passive income investing dividend is one of the most powerful ways to build wealth and diversify your portfolio. But many investors approach it the wrong way. Chasing the highest yields can lead to “dividend traps” and companies that are unable to sustain payouts.

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Are You Using Too Much of Your Account Selling Options?
The Average Joe Investor What's New

Are You Using Too Much of Your Account Selling Options?

Many investors focus solely on price gains when they invest but passive income investing dividend can offer a reliable source of returns. But it’s important to avoid pitfalls like high-yield dividend stocks. The market tends to quickly recognize if a company can’t afford to maintain its current dividend. Evaluate the company’s free cash flow and […]

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Selling Puts Only Works in a Bull Market? 2022 Says No
The Average Joe Investor What's New

Selling Puts Only Works in a Bull Market? 2022 Says No

Investing dividend stocks gives you passive income and can amplify your returns with automatic reinvestment. This can also lower your risk with dollar-cost averaging. Many formal studies have found that dividend-paying stocks provide higher returns over time. They are less volatile and can serve as buffers during recessions or bear markets.

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My Worst Back-Tested Week Selling SPX Options Wasn't a Crash
The Average Joe Investor What's New

My Worst Back-Tested Week Selling SPX Options Wasn’t a Crash

Whether it’s in the form of cash or shares, dividend investing is a popular way to earn passive income. In this article, we dive into the basics of dividend stocks and dividend reinvestment plans. Boeing (BA) and General Dynamics (GD) are known for their commercial aircraft and military equipment, respectively. But both are heavily dependent […]

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Is Selling SPX Puts Just Owning Stocks with Extra Steps?
The Average Joe Investor What's New

Is Selling SPX Puts Just Owning Stocks with Extra Steps?

Passive income investing is a popular strategy among older investors, but it’s a smart choice for any investor. In fact, it may be easier for a new investor to get started with this investing strategy than with volatile growth stocks.

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The Hidden Cost of Waiting Until 70 for Social Security
The Average Joe Investor What's New

The Hidden Cost of Waiting Until 70 for Social Security

Passive income investing dividend is a powerful tool for building wealth over time. It employs dollar-cost averaging, which mitigates the impact of market volatility. A diversified portfolio of high-quality businesses can produce steady, reliable income over time. A disciplined dividend strategy prioritizes business strength over yield.

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Retired and Selling SPX Puts? I Tested the COVID Crash
The Average Joe Investor What's New

Retired and Selling SPX Puts? I Tested the COVID Crash

Dividend investing offers the potential to generate passive income, similar to rent payments. Learn how to maximize this strategy with the discipline, patience, and long-term focus of Warren Buffett. Look for companies that demonstrate the strength to grow their dividends over time. Key financial metrics like pay-out ratios and free cash flow can help you […]

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