Michael Pollack
speaker
119 appearances
2 recordings
1 series
first heard Apr 2022
last heard Jun 2023
Michael Pollack’s voice in public audio — every appearance, attributed to the second.
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Appearances
If dividend yields are much higher than about 5%, that suggests there's some potential for the dividends to be cut.
So the sweet spot would be to look for dividends that yield around 2% to 4%.
And assuming that you don't really have a strong need for cash in the near term, you ought to really put them into the portfolio and expect to hold them for a while, possibly 5 to 10 years.
If you want to hold some technology stocks, some growth-oriented things, that's really a longer-term horizon part of your portfolio.
Those are stocks that you might want to expect to hold for 10 years or even longer, and those will help give you the appreciation that you need to offset inflation.
Well, higher interest rates will have a very mixed effect on a portfolio.
It really depends on what kinds of stocks they own.
There is some potential that higher interest rates are going to damp the overall market's upward moves.
So you could potentially see returns on a stock portfolio a little bit smaller in the coming year or even couple of years than you have in the past.
And that, of course, could suggest that you're going to see negative returns in stocks at some point in the next three to five years if the Federal Reserve really moves aggressively to damp inflation and that sort of cuts off growth.
No, it doesn't.
Of course, it depends on somebody's individual circumstances.
It always does.
But if stocks are going to produce smaller gains over the next five to ten years, that means that you actually could reduce your future income potential by trimming back your stock holdings.
And some advisors would suggest that you look at the possibility of increasing the proportion of stocks that you have in the portfolio.
If it's 50%, maybe you think about moving up to 60% stocks, for example.
The reason for that is that stocks are really going to be the best way that people can get inflation protection in the future.
And it's very possible that in another 10 years or so, inflation could really sort of pose a significant issue for retirees.
So if you cut back on your equity exposure in a portfolio, you're not going to get probably the same degree of growth over a long period of time.
And that's the key issue.
Showing 61–80 of 119 · page 4 of 6
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