Best Stocks for Retirement Income
Low-volatility, dividend-paying stocks commonly held in retirement-income portfolios. Historically favored for capital preservation combined with a steady income stream.
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Frequently Asked Questions
What stocks are best for retirement income?
The best retirement stocks combine low volatility (beta under 1.0), consistent dividends (2%+), and large market caps ($5B+). Top candidates include utilities (NextEra Energy NEE, Southern Company SO), consumer staples (Coca-Cola KO, Procter & Gamble PG), and REITs (Realty Income O). Diversification across sectors reduces sequence-of-returns risk.
How much dividend income do I need to retire?
A common starting point is the 4% withdrawal rule. On a $500,000 portfolio at 3% dividend yield, you receive $15,000/year ($1,250/month). On $1M at 4% yield = $40,000/year ($3,333/month). Many retirees supplement dividends with Social Security and bond income.
Should retirees hold stocks or bonds?
Most financial advisors recommend a blend. At 65, a common allocation is 50-60% stocks (preferably dividend-paying), 30-40% bonds, and 10% cash. Dividend stocks provide inflation protection that bonds cannot match, while bonds reduce portfolio volatility during market downturns.
What is a safe dividend payout ratio for retirement stocks?
A payout ratio below 60% is generally considered safe and sustainable. Above 80% risks a dividend cut if earnings fall. REITs are an exception — by law they must distribute 90%+ of taxable income and routinely have payout ratios near 100% that are structurally sustainable.
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