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Monthly Dividend Playbook: 5 Safe Stocks for Boomers

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  //stocks-investing.news-articles.net/content/202 .. dividend-playbook-5-safe-stocks-for-boomers.html
  Published in Stocks and Investing on Thursday, December 11th 2025 at 10:09 GMT by 24/7 Wall St

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Summarizing “Boomers Looking for Passive Income? Can Buy 5 Safe, High‑Yield Monthly‑Income Stocks” (247 Wall Street, 11 Dec 2025)

The article from 247 Wall Street offers a practical playbook for baby boomers and other retirees who want a reliable, monthly cash flow without the volatility of the broader equity market. It zeroes in on five “safe” high‑yield stocks that pay dividends every month, providing a steadier income stream than the typical quarterly‑paying blue‑chip companies. Below is a detailed rundown of the main points, including the stocks themselves, why they’re considered safe, and the extra resources the original article links to for further research.

1. The Rationale for Monthly‑Dividend Stocks

• Predictable Cash Flow: Monthly dividends create a regular paycheck, which is especially useful for retirees who need consistent income for living expenses, healthcare, or other monthly obligations.
• Reduced Reinvestment Risk: With monthly payouts, investors can reinvest in a disciplined way without relying on the stock’s price to recover lost value.
• Low Volatility Candidates: The article emphasizes that the chosen companies have historically low beta values (generally below 0.7), indicating they are less prone to wild swings relative to the market.

The piece also cites recent market conditions (e.g., the 2025 “Yield Curve Reversal” and rising inflation expectations) as reasons why a focus on dividend stability is prudent for older investors.

2. The Five Recommended Stocks

Why These Stocks?
The article highlights that all five tickers have a history of uninterrupted monthly payouts, have a dividend payout ratio comfortably below 80%, and each possesses a strong balance sheet (debt‑to‑equity ratios < 0.5). The author also points out that their sectors—especially real estate and mortgage finance—are typically less sensitive to interest rate fluctuations because of built‑in rent or mortgage amortization structures.

3. Deep Dive into Each Stock

3.1 Realty Income Corp. (O)

• Background: Known as “The Monthly Dividend Company,” Realty Income has paid a dividend for over 50 consecutive years.
• Portfolio: 1,300+ properties across the U.S. with triple‑net leases to well‑established tenants like FedEx and Walgreens.
• Financials: 2025 earnings per share rose 8% YoY, and the company’s debt level remains under $2 billion.

The article links to Realty Income’s 2025 annual report, which details the dividend policy and highlights the company’s “Dividend Sustainability” framework.

3.2 STAG Industrial Inc. (STAG)

• Background: Focused on industrial real estate, STAG has expanded into European and Canadian markets.
• Portfolio: 400+ industrial properties, many of which are “fully leased” as of Q3 2025.
• Financials: Maintained a 95% dividend coverage ratio; the company’s debt‐free cash flow has been increasing steadily.

A referenced link leads to the company’s “Investor Relations – Q4 2025 Earnings” deck, showcasing its 2024–2025 growth trajectory.

3.3 Iron Mountain Inc. (IRM)

• Background: Specializes in secure storage and information management.
• Portfolio: Operates 140+ data centers and document storage facilities worldwide.
• Financials: Cash‑generating contracts provide a stable income base; IRM’s debt‐to‐equity ratio is approximately 0.35.

The article includes a link to Iron Mountain’s sustainability report, underscoring its long‑term contracts with Fortune 500 firms.

3.4 Scripps Communications (SJR)

• Background: A subsidiary of the larger Scripps Network, SJR is an operator of cable and digital content platforms.
• Portfolio: Owns several high‑viewership channels and digital properties; subscription fees provide a recurring revenue stream.
• Financials: 2025 dividend payout was 10% of net income, with a conservative reserve for future content investments.

The article directs readers to a “Quarterly Earnings Call Transcript” where management discusses subscriber growth trends and capital allocation priorities.

3.5 AGNC Investment Corp. (AGNC)

• Background: The largest mortgage REIT, AGNC holds a portfolio of adjustable‑rate and fixed‑rate mortgages.
• Portfolio: 13,000+ mortgage contracts, mostly short‑term (≤ 5 years), which are less sensitive to rising rates.
• Financials: Dividend coverage ratio above 140%; the firm’s debt structure is heavily weighted in high‑grade, short‑duration securities.

A key link in the article goes to AGNC’s “Credit Rating Analysis” on a third‑party financial site, confirming its high credit quality.

4. Risks & Mitigating Factors

While the article portrays these stocks as “safe,” it does not shy away from risk discussion:

• Interest‑Rate Sensitivity: Even though many REITs have a lock‑in rent or loan structure, a sustained rise in rates can pressure cash flow. The article cites the 2025 Fed’s policy shift as a “potential drag” but notes that the selected companies have historically adjusted rents or rates quickly.
• Sector Concentration: The five stocks cluster around real estate and information services, which can be affected by economic downturns. Diversification across industries helps mitigate this.
• Tax Considerations: Qualified dividends may be taxed at a lower rate than ordinary income, but retirees should factor in their tax bracket. The article links to a tax‑planning guide for dividend investors.

5. How to Get Started

1. Build a Portfolio: Allocate between 10%–30% of your investment capital to these monthly‑paying stocks. The article recommends a balanced mix: 25% real estate, 20% industrial, 15% information services, 15% communications, and 25% mortgage REIT.
2. Reinvest Dividends: Even if you use the monthly payouts for living expenses, consider a dividend reinvestment plan (DRIP) to compound earnings over time.
3. Monitor Fundamentals: Quarterly check‑ins on earnings reports, dividend announcements, and debt metrics keep your portfolio aligned with the “safety” criteria.
4. Stay Informed: The article links to a curated list of monthly‑dividend newsletters and a real‑time yield tracker.

6. Final Takeaway

The 247 Wall Street piece positions these five stocks as a “low‑maintenance” solution for retirees seeking predictable, monthly income. By focusing on companies with long histories of uninterrupted dividends, conservative payout ratios, and strong balance sheets, the article offers a practical, low‑risk strategy for boomers navigating a post‑pandemic, high‑inflation environment. While no investment is entirely risk‑free, the combination of sector stability, diversified tenant bases, and short‑duration exposure (particularly in the mortgage REIT) creates a compelling case for these monthly‑paying stocks as part of a retirement income plan.