Dividend Vision Academy
Retirement Income
Turning savings into a reliable paycheck. These guides cover the strategies and risks of drawing income in retirement — safe withdrawal rates, sequence-of-returns risk, and how to make your money last as long as you do.
Retirement Income
Roth vs Traditional IRA
A Roth IRA is funded with after-tax money and grows tax-free; a Traditional IRA is funded with pre-tax money and taxed on withdrawal. Here is how each works and why income-heavy ETFs belong inside them.
Retirement Income
Sequence of Returns Risk
Sequence of returns risk is the danger that a run of poor returns early in retirement — while you are drawing income — permanently drains a portfolio, even if the long-run average return is perfectly healthy.
Retirement Income
The 4% Rule
The 4% rule is a simple retirement guideline: withdraw 4% of your portfolio in year one, then adjust that dollar amount for inflation each year. Here is where it came from, how it works, and how a dividend-income approach compares.
Retirement Income
Yield on Cost
Yield on cost measures a holding's current annual dividend against the price you originally paid, not today's price. For dividend-growth investors it shows how much your income has grown, but it is a backward-looking feel-good number, not a reason to keep or sell a position.
Ready to apply what you've learned?
Analyze a portfolio, compare funds, or screen for income — with the concepts from these guides built in.