Maintaining consistent monthly income is my current strategy for our retirement savings. My goal is to maintain a specific income range, no matter what the stock market is doing, especially when it is declining. To do this, I am investing in fixed income (CDs, bonds, and mutual funds) and dividend stocks, and reducing dependence on gains in stocks. In addition, we have monthly Social Security payment and a quarterly distribution from a rental property.
Up until the end of 2025, the strategy has been working, but it has been mainly an advancing market. Now, the test will be in a declining volatile market at is happening currently. I'll see now if the "monthly paycheck" can be maintained in 2026.
This is not financial, investment, nor fixed income advice. Please consult a professional advisor.
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