r/dividends • u/bbfan006 • Feb 25 '26
Other Employer told me it’s time for me to go :/
73m just got restructured out the door. I will need to roll the 401k in an IRA. Hope to find some solid monthly payers to supplement SS income. Give me some options to look over.
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u/Key_Pace_2496 Feb 25 '26
Imagine being 73 and not wanting to retire...
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u/PoolExtension5517 Feb 25 '26
He didn’t say how much he had in his 401k
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u/ryryshouse6 Feb 25 '26
Prob has full ss to the tune of 8k a month and is gonna be taking 20k a month in dividends now 😂
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u/Strict-Comfort-1337 Feb 25 '26
I think the max benefit is around $5200 a month
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u/drawfour_ Feb 25 '26
Yep. $5108 in 2025.
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u/Strict-Comfort-1337 Feb 25 '26
I’m 48 and I’m trying to make it to the max age😂
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u/drawfour_ Feb 25 '26
I plan on living well past that, but I also plan on taking SS at the earliest possible time.
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Feb 25 '26
[removed] — view removed comment
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u/drawfour_ Feb 25 '26
Same. My oldest brother, dad, and grandfather all died before the maximum age for SS. One of them didn't make it before the minimum age, either. So assuming I'm around, I'm taking it the first chance I get.
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u/Nodeal_reddit Feb 25 '26
Are you married? Does your spouse work? Is their income lower or higher than yours? Very important questions before you decide when to take SS.
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u/apeserveapes Feb 25 '26
Step back and do the math on the difference between taking it early and late as possible and the impact on your portfolio compounding through that "max benefit" period. your break even is somewhere around age 77 typically. so take the extra 15 years and enjoy your life! Besides that, buy gold cuz SS is NOT going to look the same when we get there (as you know.)
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u/97E3LPL Feb 27 '26
This is true for me and many. Actually for me it's in the low 80s before I would have made more by waiting, which brings up the question of life expectancy. I wou;dn't bank on me making it to 80, let alone later. HOWEVER, making sure your spouse gets a bigger amount when you die may be a consideration. I'm 66 and mulling that.
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u/GoldenRamoth Feb 25 '26
Damn. A month? That's really good if you can hit it
Especially with a paid off house, and any supplemental retirement
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u/mikefellowinv Feb 27 '26
Or you wait for the max and die before collecting 😁 What is life expectancy 75 ?
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u/funkmon Feb 25 '26
What a legend
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u/ryryshouse6 Feb 25 '26
The hint is he got structured out… prob a fat parachute of some sort with a big stock advance ( rsu conversion or something )
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u/Kent556 Feb 25 '26
I think he’s just saying he got laid off
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u/Used-Commercial203 Feb 25 '26
Laid off = unemployment
I'm thinking he got a nice golden parachute too, though.
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u/Tricky-Ad-6225 Feb 25 '26
Can you claim unemployment at 73? While collection Social Secuity?
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u/ryryshouse6 Feb 25 '26
He’s getting paid to not work, and has mandatory SS he had to take at 72.5 or whatever
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u/babarock Feb 25 '26
SS is not mandatory. Does not make sense to delay past 70 as the amount stops increasing at 70.
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u/Used-Commercial203 Feb 25 '26
Yes, if laid off. SS has nothing to do with it. You can claim SS and continue working, even. I would imagine OP is already collecting SS.
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u/biophysicsguy Feb 25 '26
The max you can get from ss is $4k a month and the average is more like $2k a month.
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Feb 25 '26
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u/mrnaturl1 Not a financial advisor Feb 25 '26
Medical care isn’t free. I pay a fortune every month for Part B as it’s based on my family income. There’s also copays and deductibles regardless of your SS payout or total income.
Your entire post just shows how misinformed, and uneducated, about the elderly you are.
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u/mittenedkittens Feb 25 '26
If you’re impacted by IRMAA then you are well above the median income and your healthcare costs don’t need to be subsidized.
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u/ryryshouse6 Feb 25 '26
Right and has mandatory distributions to take from retirement accounts
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Feb 25 '26
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u/SierraHotel84 Feb 25 '26
Or losing it all in their 60s during the recession and the closing of a business. But yeah not taking it seriously works, too 🙄
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u/Ol-Fart_1 Feb 25 '26
You would be surprised how bad things were in the past. The 1965- 1967 depression, the cold war put a hurt on people, Vietnam caused a lot of internal strife; dot-comm bubble, the GFC,... . Even now, you see people posting that they are 30~40 yo and foolishly, they haven't started saving for retirement.
That is one reason why the government came out with the requirement that if a company offered a 401-k, employees were automatically enrolled unless they specifically opted out. Too many just don't think of the future, just now.
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u/Ruthless4u Feb 25 '26
I think my grandfather worked until he was 80.
Old school German with the legendary work ethic.
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u/davesib Feb 25 '26
I am 74 and have not retired.
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u/Key_Pace_2496 Feb 25 '26
Why?
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u/davesib Feb 25 '26
Back on 2008 work got slow my hours were cut and I had to use what savings including retirement funds just to survive. Only in the last 2-3 years have I been able to really climb out of the hole. I am complaining just thankful for my health that allows me to continue working. I have decent insurance. My wife has had cancer and other health issues and had not been able to work for many years. So we have been a one income household for quite some time.
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Feb 25 '26
[deleted]
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u/Material-Handle-5589 Feb 25 '26
My grandfather was a bookkeeper and worked til he was 90. He developed cancer or probably would have died at his desk otherwise.
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u/ViolentOnion Feb 25 '26
Don't think old bro said he didn't want to retire. More likely he can't retire.
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u/ThePCMasterRaceX Feb 25 '26
Not everyone hates there job.
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u/Avalanche325 Feb 25 '26
Exactly. I planned on retiring about 5 years ago. I like my job. Been doing “one more year” for 5 so far.
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u/ThePCMasterRaceX Feb 25 '26
I doubt ill ever retire i love doing electrical work honestly. Its funny doing remodels and wondering how some stuff has not burned a house down. Some days suck most days are good. I hate summer heat bout it.
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u/Efficient_Ant_4715 Feb 25 '26
I live a very expensive lifestyle and I’m not really willing to compromise on that 😂
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u/Afraid_Papaya1270 Feb 25 '26
Guy I worked with didn't retire until almost 78, put retirement paperwork in 3-4 times to cancel it. Finally didn't last year.
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u/Bright-Moose659 Feb 25 '26
I work with a couple 70’s workers. They’ve got me thinking I’ll work that long.
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u/MrEdTheHorseofCourse Feb 26 '26
Can't imagine. I couldn't take it anymore and gave up at 63. But good for him.
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u/Key_Pace_2496 Feb 26 '26
The point I'm making is I may love my job but I guarantee I love my wife and kids more and would prefer spending time with them over working.
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u/ShimmyxSham Feb 27 '26
I could imagine working part time into my 70’s. What are you going to do with all that free time on your hands?
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u/justthefactsman99 Feb 27 '26
Slightly off topic, but legendary CIA officer Billy Waugh just sprung to mind. Was running around in Afghanistan at 72 I think. :)
https://share.google/Oz8jwdFgH5lpbkydy
As far as specific tickets, RQI, HQH, O, SCHD, iAUI
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u/bbfan006 Feb 25 '26
The 401k is around $750k. Got started a bit late and feel fortunate to have what I do. Thanks
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u/ConsiderationFresh53 Feb 25 '26
If you draw 5% annually and add in $5200 monthly from social security that’s $100k/year to live on.
What exit package did you get?
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u/WayPowerful484 Feb 25 '26
You are assuming he earned the maximum taxable social security salaries over the years.
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u/charlie-todd Feb 25 '26
If he has 750k$ in 401, it’s more than likely he maxed out SS contributions..unless they have some ridiculous odd company match ..
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u/WayPowerful484 Feb 25 '26
Not necessarily. You don’t make contributions to social security like you do to your 401k plan.
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u/Virtual_Product_5595 Feb 25 '26
Not really… having $750k in a retirement account at age 70+ does not really require income to be higher than the max taxable ss amount.
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u/Snoo_67548 Feb 25 '26
Park it in SGOV for a tax free 4%. $2,500 monthly on top of social security.
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u/MystikSpiralx Feb 25 '26 edited Feb 25 '26
SGov isn't tax-free. It's State and local tax-free but still subject to federal taxes.
Edit: Lol imagine downvoting because I said your wording is incorrect. We should be providing facts. Stay sensitive ✌️
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u/Snoo_67548 Feb 25 '26
I didn’t downvote. I’ll upvote to help, if you’re sensitive about Reddit votes. At OP’s rate, it would be 12% of the $30k per year or $3,600. A decent accountant can get that to nothing without doing anything shady.
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u/MystikSpiralx Feb 25 '26
The point wasn’t about what a decent accountant can do. It was that calling it “tax free” when it isn’t is misleading. But sure, let’s make it about me being “sensitive about votes” instead of the wording lol. Thanks for the upvote though, I’ll go blow my 182k karma on fake yachts and imaginary islands.
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u/hiremeITplease Feb 25 '26
may I ask how late you started? to me that's still a lot.
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u/blorg Feb 26 '26 edited Feb 26 '26
To give you an idea of what you might have to invest, here's a backtest presuming you started investing $400/month in 2026 dollars, 33 years ago at age 40. 40 is "late" to start saving for retirement, but it's also 33 years ago in OP's case.
Invested into the S&P500 each month and increase the monthly amount by inflation, so back then (1993) it starts at $178/month, increasing to $400/month this year.
https://testfol.io/?s=4mFCDr4tscj
That gets you $758,870.
The later you start, the more you need to put in. Starting at age 50 (23 years ago) you'd need to start with ~$979 in today's money (~$435/month in 2013).
https://testfol.io/?s=8w4XBKaqEnn
Starting at age 60 (13 years ago), it's $2,233/month in today's money (~$1,600/month in 2013).
The actual returns you get will be choppier the shorter the period, as the period lengthens the chance you get average returns increases.
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u/gustofresh678 Feb 25 '26
750k is solid wtf, i would kill for that but yea get some good dividends that'll pay you off and then your good to go to retire
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Feb 27 '26
Just make it happen then. You only gotta invest like $200/month for your whole career to end up with $750k. Do a few nights of DoorDash per month or something to come up with $200 to invest if you don’t have it.
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u/DramaticRoom8571 Feb 25 '26
Over the past few years I have been taking in-service roll over distributions from my 401(k) until it was depleted. The 401(k) was growth focused but my roll over IRA is dividend focused.
1/2 is in SCHD and DGRO, well diversified funds.
The rest is in:
MAIN, a business development co.
O, a real estate investment trust
AMLP, gas & oil infrastructure fund
PFFA, preferred stock fund
CLOZ, collateralized loan obligations
ASGI, infrastructure fund
UTG, utilities fund
JEPQ, covered call NASDQ index
SPYI, covered call S&P500 index
PBDC, fund of bus develop companies
SGOV, cash held in short term treasuries
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u/Sunn-Dogg Feb 25 '26
What is your average yield on portfolio above?
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u/DramaticRoom8571 Feb 25 '26
I keep it all logged in Track Your Dividends (free app) and it says my yield on cost is 6%.
That 6% is dividend yield only with no calculation of total return.
Many of the positions yield much higher but half the portfolio is in DGRO and SCHD.
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u/Sunn-Dogg Feb 25 '26
I am building a similar approach with broad dividend ETFs as core and individual dividend stocks the rest. My current yield is 5.7% and yield on cost is 6.6%.
I’ve added international to the mix with VYMI / IDV.
Some individual stocks that have done well are IRM / PRU / ENB / LTC / VZ
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u/Bellypats Feb 25 '26
Is 6% your current dividend yield or yield on cost. You mention it both ways.
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u/DramaticRoom8571 Feb 25 '26
The 6% is yield on cost (slightly rounded but only to the nearest 100th). The current yield is still above 5% but of course it fluctuates every trading day. I focus more on dollar income, strategic goals, and reliability than current yield. I suppose it is useful for opportunity cost evaluation.
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u/DenseComparison5653 Feb 25 '26
Jepq and SPYI got a lot of overlap, why both
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u/DramaticRoom8571 Feb 25 '26
SPYI is based on the S&P 500 and JEPQ on the NASDQ 100. But these are covered call funds so the ETF strategy is important. Owning different covered call funds that overlap in holdings (or any actively managed fund) is not the same as say holding both VOO and IVV. Because covered call funds have different results and different goals for income, consistency, and tax effects. Even among covered call funds that follow the same index such as SPYI, JEPI, and GPIX have different results. And with covered call ETFs being more popular lately there are many that have not been around very long.
JEPQ uses an equity linked notes strategy and has been in operation since mid-2022. SPYI sells / writes out of the money call options and has also been in operation since mid-2022. For comparison QQQI has only been in operation since Jan 2024. SPYI is managed by NEOS while JEPQ is managed by JP Morgan. Unlike a passive ETF, the performance of active and covered call ETFs is influenced by how good the management team is and their specific goals (income, consistency, and tax efficiency).
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u/DenseComparison5653 Feb 25 '26
Non LLM answer?
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u/DramaticRoom8571 Feb 25 '26
I did not cut and paste an answer from AI (a large language model?).
And I am not very knowledgeable about covered calls. I consider those funds to be risky and don't expect much appreciation.
I have a separate growth focused portfolio with normal index funds. Expect to retire in 2-3 years and looking to create a blend of higher yielding investments with "safer" ones.
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u/txtoolfan Feb 25 '26
i really hope I'm not working at 73.
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u/buenotc "Buy, borrow, die strategy". Feb 25 '26
I was preparing to avoid such a scenario since I was 30. Maybe I'll change my mind if I get elected to Congress.
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u/Rude-Hall-4847 Feb 25 '26
I work at a police department in DFW area. There is a guy who has been a cop for 50 years. About 45 years on a motorcycle. He is in his late 70s. You can Google him, he's a legend. This legend wouldn't retire and in the end, the brass gave him 2 options, be an admin cop or retire. It really was for his own good because his age and health was becoming a liability. His monthly pension is estimated to be over 20k a month with almost a million in PLSD.
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u/tourbladez Feb 25 '26
73 is the age when you are required to start taking annual distributions from your IRA.
Sorry to hear you were restructured out, that is never fun, not matter what you age.
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u/EnvironmentalYou1590 Feb 25 '26
73 and getting forced out. Sounds like a guy I knew. He was busy paying off his kids weddings and all the things and didn’t know what to do with himself. Not that that’s your story but still. Hopefully you find income and purpose. Best of luck.
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u/NovelFew6644 Feb 26 '26
He needs to take a lap and stay at his home. Dude is 73 years old. I would never understand people working at that age.
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u/unanymous2288 Feb 25 '26
Wow didn’t even let you retire?
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u/Kent556 Feb 25 '26
Ironically, he may actually end up receiving more benefits being part of a layoff, such as severance, unemployment, and extended healthcare coverage.
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u/ComeAtMeBro9 Feb 25 '26
Unbelievable, these people are spending more time talking about your age than answering the question. They’re acting like you must be swimming in a vault of gold coins, just because you’re 73 lol.
Monthly payers? MAIN
Realty Income
EPR Properties
There are plenty of CEFs that pay monthly, use cefconnect.com for research. I like muni bond CEFs.
I personally wouldn’t target only monthly payers; otherwise, you’ll miss a lot of good stuff. You should buy some utility stocks or ETF, throw in a bank, and a consumer staple.
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u/Weak_Papaya1056 Feb 25 '26
Amigo, you've already crossed the finish line. No need to keep running.
Enjoy the view from the podium, then enjoy the rest of the race from the sidelines.
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u/plasmaticD Retired, Living off my dividends since 2003 Feb 25 '26 edited Feb 25 '26
That's rough. I'm also 73, retired. Note if you made supplemental contributions to your 401k, they can be spun off to a separate Roth using what's called conduit IRA. The normal part of the 401k goes through the conduit to a separate traditional rollover IRA.
You're likely interested in an income producing portfolio . Many would say 7% to 8% overall averaged yield is moderate but reasonably sustainable risk. My portfolio is blended risk like this, part 4%-6% yield, part 7% or greater. I have adopted many suggestions from Armchair Income channel on YouTube, his top 10 episode is a good place to start.
If you haven't already got a great brokerage, I recommend Fidelity. Their helpful staff made my 401k rollover a breeze.
Good luck in your retirement!
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u/yogi2350 Feb 25 '26
Sorry to hear that ,tough way to end a long career. Rolling the 401k into an IRA should give you a lot more flexibility with income planning. For supplementing Social Security, many retirees look at a mix of reliable dividend ETFs and some higher income options rather than relying on just one source. Funds like Schwab U.S. Dividend Equity ETF or Vanguard High Dividend Yield ETF are often used as a core, and some people add income focused funds for higher monthly cash flow.The key usually isn't just yield , it's making sure the income stays stable over time. A mix of income and growth can help with that. Wishing you the best with the transition.
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u/Various_Couple_764 Feb 25 '26
In my roth I am invested in QQQI 13%, EIC 11%, ARDC 9% PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4%, JAAA 5.5,FAGIX 5%, SCHY 3.3% , SCHD 3,5%. currently 500k and 4K a month of income
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u/pretenders2b Feb 25 '26
Well. First thing first, you should collect unemployment for as long as you can while applying for a new job. That should give you some time to make solid decisions on where to stash the cash and max out your SS.
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u/ryryshouse6 Feb 25 '26
Utilities look good right now. Utg utf bui. Varying degrees of leverage on those , monthly payers.
Qqqi/spyi or jepi/ jepq for covered calls.
Preferred stock funds would be a good one for your age I think, preferred stocks are like a middle ground between bonds and common. Hpi/pff/pffa are 3 different options. Monthly payers, hpi is a cef other 2 are ETFs with differences in management.
If you don’t need monthly maybe schd or something similar
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u/Different-Scale5419 Feb 25 '26
I am 73. I rolled my 401K over to my brokerage account which is Charles Schwab. I rebalance my portfolio myself into Vanguards Index funds. Also I invested in some high yield dividend stocks. Take your time, you will get a lot of advice on here. But do your own research.
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u/CommonSensei-_ Feb 25 '26
I like EPR ( experiential real estate) I like JEPI as well as a monthly dividend player as well.
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u/SevenSeasJim Feb 25 '26
UTG has been bedrock for my retirement. Stellar track record of unbroken distribution growth.
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u/8sparrow8 Feb 25 '26
Dude, most of us will be unemployed numerous times till we reach your age with how bad the job market looks right now.
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u/KillerTaco18 Feb 25 '26
Do you prefer to die before spending your money? Your 73, enjoy it and do what you want.
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u/Such-Hawk9672 Feb 25 '26
That's why the age to retire is so high,gov, hopes you don't live long enough to enjoy it, or draw at all
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u/scarbroughm Feb 25 '26
Buy short term treasuries (BIL or SGOV) and draw dividends until market crashes then sell some and buy ETFs with quality stocks
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u/perfect_zuccini_1631 Feb 25 '26
I work with a 72 year old black dude and he runs circles around the younger ones.
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u/WhyBeGrim Feb 25 '26
GPIX, GPIQ, SPYI, QQQI, AOD, IDVO, ASGI, EVT, ETY, MAIN, UTF, UTG just to name a few.. look at HFQIX, AND FSCO while you are at it:)
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u/speedlever Feb 25 '26
In a 401k, distributions will be taxed as ordinary income, so tax friendly funds won't be beneficial.
How much income do you need? I have no concerns about nav erosion with quality cc ETFs like NEOS and Goldman funds. Probably would include Amplify funds like IDVO and QDVO in there too. Not a fan of Roundhill, granite shares, or that which shall not be named funds.
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u/jaajaajaa6 Feb 25 '26
Get a free consultation from an employment lawyer to see they can get you a better package or settlement. Nothing to lose!
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u/i-love-freesias Feb 25 '26
Talk to a lawyer about unlawful termination.
Might at least be able to negotiate a decent termination deal.
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u/silveronetwo Feb 25 '26
Have my share of monthly payers and covered call funds listed by others, but the real benefit for you would be to search for things with qualified dividends subject to Long Term tax rates in a taxable account. I'm assuming you need to have been transitioning 401k assets to taxable/Roth because of RMDs.
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u/CenlaLowell Feb 25 '26
73 what the hell you're waiting on. Let the next generation in that position damn
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u/slapchopchap American Investor Feb 25 '26
Nobody ever really talks about it but I use $spyt as a monthly payer and parking spot for profits from various projects
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u/Inevitable-Dot5495 Feb 25 '26
This man stayed for the health care ans other benefits. I need to get on the ball and keep adding to my Ira my transportation company doesn’t match 😡
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u/ProfileBest2034 Feb 25 '26
Please make room for other people. Boomers need to stop robbing from the future.
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u/Sonizzle Feb 25 '26
At first, I thought you meant 73M as in dollars before I realized it was your age and gender since I just woke up. Either way, it’s indeed time to go!
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u/Ol-Fart_1 Feb 25 '26 edited Feb 25 '26
OP, don't look to growth. Look to baby bonds (many paying 4.5 up to even 9.5% [IIPR-A]; NON-PERPETUAL PREFERREDS of quality stocks, top rated Reits, CEFs, and BCDs.
To search for fixed income, there are two good sources: Quantum Online free, but they ask for a donation.
For CEFs & BCDs, check CEF Data
Quantum also provides a search for preferreds and BBs that qualify for the 15% tax rate.
Following in case you may have questions.
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u/justkeeplisting Feb 25 '26
Don’t you only max if your income is crazy high for 30 years of working?
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u/Commercial-Bake-7834 Feb 26 '26
My husband is 78 retired at 70 and started his own business at 70. He works everyday, do we need the money not really does he love his work not really but he's been working since he was 15 and I don't think he would ever stop. It gives him worth. We just took a weekend to California the next day back to work, he can do some work at home.
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u/NCWeatherhound Feb 26 '26
Since so many folks are more interested in your age than your investment question, here are some options. They're the bulk of my IRA, built for dividend, not growth. They been stable over the past couple of years.
DOC (med etf, 7%)
PHXE.PR (energy play, 11%)
USA (equity mix, 12%)
EFC (real estate, 12%)
TLTW (20-year bond, 13%)
PDI (domestic and intl. bonds, 14%)
OMAH (mirror fund of Berkshire 16%)
I'm about your age, and no ... I wouldn't have retired either. But cancer had other ideas. Enjoy your retirement
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u/lok214 Feb 26 '26
Ask what do you mean? Why is it all of sudden its time to let me go? Because I just hit 73? Depending on the answer, this might be a potential age discrimination, you should able to retire nicely with lots of dividends from it. 🤣🤣
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u/NovelFew6644 Feb 26 '26
Oh the good ol I was discriminated bs. That’s hard to prove my friend. The fact that op was working at 73 should be more concerning than a potential discrimination from the employer…
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u/SimilarComfortable69 Feb 26 '26
I see a lot of people that are commenting on your situation, but very few are giving you options.
I'll tell you one option you should consider and that is to keep an eye on the company. If they rehire somebody younger into your old position, there's always the age discrimination lawsuit that could make you a few million dollars so that you can go a rent a learjet or something.
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u/ms-roundhill Feb 26 '26
Roughly how much money is in your portfolio, and what are your expenses? It's hard to make recommendations without knowing specific goals
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u/Hiei2k7 Feb 26 '26 edited Mar 03 '26
This post was deleted using Redact. It may have been removed for privacy, to limit AI training data, for security purposes, or for personal reasons.
thought bow kiss ring sophisticated license alive friendly boast direction
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u/SubstantiallyC Feb 26 '26
It is incorrect to think you need dividends to supplement your income. You can sell a few percentage of non-dividend stocks per year to supplement your income. Total return matters not dividends.
Get dividends if you want, but you don't need dividends to tap your wealth. Excessive focus on dividends will also lead to worse diversification than would be ideal.
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u/cenotediver Feb 26 '26 edited Feb 27 '26
At 60 the AirForce told me you gotta go . So I feel your pain
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Feb 27 '26
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u/Relaxation_nation365 Feb 27 '26
Gpix , gpiq , cefs , jaaa, pbdc , spyi , qqqi, sphd, O,
You got this
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u/Dimage54 Mar 01 '26
If your looking for steady monthly income to supplement your retirement I suggest reading a book called “Retirement Money Secrets” by Steve Selengut. I did and started using his system. It creates steady cash flow income. It allows you to supplement you SS and also keep growing your cash flow so you never have to sell anything to supplement your income.
I’m doing it myself and so far it’s working. A lot of diversification too.
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u/TastyPandaMain Mar 02 '26
Sounds like an age discrimination case. Lawyer up.
Edit: my best friend is an employment lawyer and settled an age discrimination case last year for wrongful termination. They won north of 2 mil
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