If I were to give one factor that makes dividend investing difficult for a lot of people it is a stream of constant ideas.

Ideas are companies, bonds of companies and other securities that you can invest in to earn a total return.

What you wish for is to set up a 15 stock portfolio that can give you a conservative 5% dividend yield. Your portfolio of 15 stocks have capital gains that keep up with inflation as well. You would assume that to be 2-3% a year.

Thus, in the long run, the average total return you will get is 5% + 2% = 7%.

The action plan: Find 15 of these great companies that will grow over time and won’t die and sit back enjoy the fruits of your labor.

I am here to tell you, that beautiful scenario is not going to happen.

If you cannot keep