> I feel like the easiest way to accomplish this is just investing into stable dividend stocks. Yes, you're generally better off with equities. Though going fo

> I feel like the easiest way to accomplish this is just investing into stable dividend stocks. Yes, you're generally better off with equities. Though going for total return is better. It's not that dividends are bad (they're an important part of returns), but (a) you're limiting your diversification options by only focusing on dividend-paying companies, and (b) there's little correlation between dividend-paying companies and companies that give you good financial results. > Dividend investors will tell you that theory does not extend to reality, and that dividend stocks do indeed do better than the market. I am not denying that dividend growth stocks have beat the market on average. But the dividends are not the reason why. Dividend stocks, particularly dividend growth stocks, have excess exposure to the value, profitability, and investment factors. That is what explains performance differences, which means the outperformance still doesn’t justify trying to pick individual stocks. * https://www.pwlcapital.com/the-irrelevance-of-dividends-still-a-non-starter/ https://www.pwlcapital.com/the-irrelevance-of-dividends-stil... * https://en.wikipedia.org/wiki/Fama–French_three-factor_model https://en.wikipedia.org/wiki/Fama–French_three-factor_model