{"id":891066,"date":"2026-06-25T05:14:45","date_gmt":"2026-06-25T05:14:45","guid":{"rendered":"https:\/\/www.europesays.com\/us\/891066\/"},"modified":"2026-06-25T05:14:45","modified_gmt":"2026-06-25T05:14:45","slug":"64-years-old-with-1-1-million-in-a-traditional-ira-heres-where-im-allocating-capital","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/us\/891066\/","title":{"rendered":"64 Years Old With $1.1 Million in a Traditional IRA. Here\u2019s Where I\u2019m Allocating Capital"},"content":{"rendered":"<p>        Quick Read      <\/p>\n<ul class=\"yf-1jsc1up\">\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">KO and ABBV anchor the portfolio at 25% each, rated Very Safe with payout ratios under 65% and multi-billion dollar free cash flow.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">Verizon&#8217;s 6% yield is real, but $172.5B in post-Frontier debt limits VZ to a 12% allocation and a Moderate Risk rating.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">Act now: the analyst who called NVIDIA in 2010 just named his top 10 AI stocks \u2014 and AbbVie didn&#8217;t make the cut. <a href=\"https:\/\/247wallst.com\/lp\/top-10-ai-stocks\/ABBV\/?i=e96587cb-3926-4085-a031-bc79761acec3&amp;p=aded526a-f78d-426a-9c96-82c54af7e0ab&amp;pos=keypoints&amp;tpid=1614511&amp;l=b17ce983-5361-4dba-a2fd-2469b8705237&amp;c=3af9b05b-bac6-4a46-815a-254223a80206&amp;utm_source=yahoo&amp;utm_medium=referral&amp;utm_campaign=feed&amp;utm_content=feed||1614511\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" data-ylk=\"slk:Grab%20the%20names%20FREE%20today;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;Grab the names FREE today&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\">Grab the names FREE today<\/a>.  <\/p>\n<\/li>\n<\/ul>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">At 64, with $1.1 million in a Traditional IRA, tax-deferred cash flow is the point. With the 10-year Treasury at 4.50% and the 30-year at 4.94%, dividend yields have to earn their seat. The 10-year has swung between 4.43% and 4.56% in June alone, and that yield volatility is exactly what forced me to re-stack these holdings. Here is how I am ranking five income names by dividend safety before allocating capital, per a Traditional IRA framing that pairs tax-deferred dividend growth with shifting bond yield benchmarks.  <\/p>\n<p>    <a href=\"https:\/\/s.yimg.com\/lo\/mysterio\/api\/D200CF5F2614B607B905F92E3759EF31AD3D97D19CFF640493A8BDC98C2461BE\/subgraphmysterio\/resizefit_w960;quality_80;format_webp\/https:%2F%2Fmedia.zenfs.com%2Fen%2F24_7_wall_st__718%2Fe29df6f04cbb1fcd3be95d539388bbcf\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"Stack gold coin and tree with growing put on the desk with targeting of business to winner in the office, Saving money and loan for planning targets business investment concept.\" height=\"640\" width=\"960\" class=\"yf-lglytj loader\"\/><\/a> Watchara Ritjan \/ Shutterstock.com           Five Dividends, Stacked by Safety              Why Coca-Cola and AbbVie Anchor the Top          <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>Coca-Cola<\/strong> (<a href=\"https:\/\/finance.yahoo.com\/quote\/KO\/\" target=\"_blank\" data-ylk=\"slk:NYSE%3AKO;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;NYSE:KO&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\" rel=\"nofollow noopener\">NYSE:KO<\/a>) just lifted its quarterly to $0.53, with FY 2026 guidance pointing to comparable EPS up 8% to 9% and free cash flow around $12.2B. The Dividend King keeps earning its rating. <strong>AbbVie<\/strong> (<a href=\"https:\/\/finance.yahoo.com\/quote\/ABBV\/\" target=\"_blank\" data-ylk=\"slk:NYSE%3AABBV;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;NYSE:ABBV&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\" rel=\"nofollow noopener\">NYSE:ABBV<\/a>) looks stretched on a $2.05 TTM EPS figure distorted by an IPR&amp;D charge, but management&#8217;s $14.08 to $14.28 FY 2026 EPS guide against a $6.74 dividend puts the forward payout near 48%. Skyrizi at $4.48B and Rinvoq at $2.12B are funding the dividend as Humira fades.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>Act now:<\/strong> the analyst who called NVIDIA in 2010 just named his top 10 AI stocks \u2014 and AbbVie didn&#8217;t make the cut. <a href=\"https:\/\/247wallst.com\/lp\/top-10-ai-stocks\/ABBV\/?i=e96587cb-3926-4085-a031-bc79761acec3&amp;p=92103f51-044f-4669-8ba5-a79fcf7642bd&amp;pos=mid_content&amp;tpid=1614511&amp;l=b17ce983-5361-4dba-a2fd-2469b8705237&amp;c=3af9b05b-bac6-4a46-815a-254223a80206&amp;utm_source=yahoo&amp;utm_medium=referral&amp;utm_campaign=feed&amp;utm_content=feed||1614511\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" data-ylk=\"slk:Grab%20the%20names%20FREE%20today;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;Grab the names FREE today&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\">Grab the names FREE today<\/a>.  <\/p>\n<p>        O and SO Are Safe, but I&#8217;m Watching the Leverage          <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>Realty Income<\/strong> (<a href=\"https:\/\/finance.yahoo.com\/quote\/O\/\" target=\"_blank\" data-ylk=\"slk:NYSE%3AO;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;NYSE:O&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\" rel=\"nofollow noopener\">NYSE:O<\/a>) just notched its 114th consecutive quarterly increase, and AFFO\/share rose 6.6% YoY to $1.13. CEO Sumit Roy said, &#8220;Our first quarter results underscore the strength and resiliency of our global investment and operating platforms.&#8221; <strong>Southern Company<\/strong> (<a href=\"https:\/\/finance.yahoo.com\/quote\/SO\/\" target=\"_blank\" data-ylk=\"slk:NYSE%3ASO;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;NYSE:SO&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\" rel=\"nofollow noopener\">NYSE:SO<\/a>) has paid dividends for 79 consecutive years without a cut, with data center demand padding the earnings outlook.  <\/p>\n<p>        VZ Carries the Most Baggage          <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>Verizon<\/strong> (<a href=\"https:\/\/finance.yahoo.com\/quote\/VZ\/\" target=\"_blank\" data-ylk=\"slk:NYSE%3AVZ;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;NYSE:VZ&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\" rel=\"nofollow noopener\">NYSE:VZ<\/a>) services $172.5B in debt post-Frontier and projects FCF of $21.5B+ in 2026. The yield is real, the leverage is not trivial.  <\/p>\n<p>        How I&#8217;m Allocating the $1.1M          <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">My split: 25% KO, 25% ABBV, 20% O, 18% SO, 12% VZ. I would lean harder into Verizon if its leverage drifts back under 2.5x. I would trim REIT exposure if the 10-year pushes past 5%. For an IRA where every dividend reinvests untaxed, I want safety and growth in roughly equal measure. This stack delivers both.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>Act now:<\/strong> the analyst who called NVIDIA in 2010 just named his top 10 AI stocks \u2014 and AbbVie didn&#8217;t make the cut. <a href=\"https:\/\/247wallst.com\/lp\/top-10-ai-stocks\/ABBV\/?i=e96587cb-3926-4085-a031-bc79761acec3&amp;p=ea93966a-680e-4e83-abfa-2ea9e7c81711&amp;pos=end_of_article&amp;tpid=1614511&amp;c=3af9b05b-bac6-4a46-815a-254223a80206&amp;l=b17ce983-5361-4dba-a2fd-2469b8705237&amp;utm_source=yahoo&amp;utm_medium=referral&amp;utm_campaign=feed&amp;utm_content=feed||1614511\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" data-ylk=\"slk:Grab%20the%20names%20FREE%20today;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkText&quot;:&quot;Grab the names FREE today&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;}\">Grab the names FREE today<\/a>.  <\/p>\n","protected":false},"excerpt":{"rendered":"Quick Read KO and ABBV anchor the portfolio at 25% each, rated Very Safe with payout ratios under&hellip;\n","protected":false},"author":3,"featured_media":891067,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[15],"tags":[361239,177629,64,257789,87004,310020,255,274372,79867,67,132,68,4522],"class_list":["post-891066","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-abbv","tag-abbvie","tag-business","tag-dividend-yields","tag-free-cash-flow","tag-moderate-risk","tag-personal-finance","tag-top-10-ai-stocks","tag-traditional-ira","tag-united-states","tag-unitedstates","tag-us","tag-verizon"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/116809044249324546","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/891066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=891066"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/891066\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/891067"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=891066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=891066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=891066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}