5 Dividends That Beat Social Security’s Unpredictable COLA Adjustments

• Social Security COLA dropped from 8.7% successful 2023 to 2.5% successful 2025.

• Realty Income pays dividends monthly with a 5.58% output and has paid consistently since 1994.

• PepsiCo offers the highest output among user stocks astatine 3.69% with 6.8% mean yearly dividend growth.

• If you’re reasoning astir retiring oregon cognize idiosyncratic who is, determination are 3 speedy questions causing galore Americans to recognize they tin discontinue earlier than expected. instrumentality 5 minutes to larn much here

Social Security's cost-of-living adjustments plaything wildly twelvemonth to year. The 2025 COLA came successful astatine 2.5%, down from 3.2% successful 2024 and 8.7% successful 2023. For retirees counting connected predictable income growth, this volatility creates readying challenges. The solution lies successful dividend stocks that present accordant income maturation careless of Social Security.

These 5 stocks person demonstrated unwavering committedness to dividend increases done aggregate economical cycles, offering investors a self-adjusting income watercourse that often outpaces authoritative COLA adjustments.

Johnson & Johnson (NYSE:JNJ) ranks 5th with its 2.43% dividend yield, the lowest among these stocks. However, dismissing JNJ connected output unsocial would beryllium shortsighted. The healthcare elephantine delivered Q3 2025 gross of $24.0 billion, up 6.8% twelvemonth implicit year, beating estimates. EPS of $2.80 exceeded the $2.76 consensus.

The company's dividend way grounds spans implicit 60 years of consecutive increases, earning Dividend King status. Recent quarterly dividend maturation has averaged 4.8%, with the 2025 summation bringing the quarterly outgo from $1.24 to $1.30. Net income surged 91% twelvemonth implicit twelvemonth to $5.15 cardinal successful Q3. The institution raised fiscal 2026 income guidance to $93.7 cardinal portion maintaining EPS guidance of $10.85.

With a 27.3% nett borderline and 30.2% operating margin, JNJ generates important currency travel to enactment dividend growth. The stock's beta of 0.349 makes it peculiarly antiaircraft during volatility, portion its AAA recognition standing underscores fiscal strength.

Procter & Gamble (NYSE:PG) holds the longest dividend maturation streak astatine 68 consecutive years. The user goods elephantine reported Q1 fiscal 2026 gross of $22.40 billion, up 3.1% twelvemonth implicit year, beating estimates. EPS of $1.95 topped the $1.90 consensus, portion nett income climbed 21% to $4.78 billion.

The company's 2.84% dividend output sits successful the mediate of this group, with the quarterly outgo expanding from $1.0065 to $1.0568 successful 2025, a 5% raise. Operating currency travel jumped 26% twelvemonth implicit twelvemonth to $5.41 billion. PG returned $3.8 cardinal to shareholders successful the 4th done dividends and buybacks.