64 Years Old With $1.1 Million in a Traditional IRA. Here’s Where I’m Allocating Capital

At 64, with $1.1 cardinal successful a Traditional IRA, tax-deferred currency travel is the point. With the 10-year Treasury astatine 4.50% and the 30-year astatine 4.94%, dividend yields person to gain their seat. The 10-year has swung betwixt 4.43% and 4.56% successful June alone, and that output volatility is precisely what forced maine to re-stack these holdings. Here is however I americium ranking 5 income names by dividend information earlier allocating capital, per a Traditional IRA framing that pairs tax-deferred dividend maturation with shifting enslaved output benchmarks.

Five Dividends, Stacked by Safety

Why Coca-Cola and AbbVie Anchor the Top

Coca-Cola (NYSE:KO) conscionable lifted its quarterly to $0.53, with FY 2026 guidance pointing to comparable EPS up 8% to 9% and escaped currency travel astir $12.2B. The Dividend King keeps earning its rating. AbbVie (NYSE:ABBV) looks stretched connected a $2.05 TTM EPS fig distorted by an IPR&D charge, but management's $14.08 to $14.28 FY 2026 EPS usher against a $6.74 dividend puts the guardant payout adjacent 48%. Skyrizi astatine $4.48B and Rinvoq astatine $2.12B are backing the dividend arsenic Humira fades.

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O and SO Are Safe, but I'm Watching the Leverage

Realty Income (NYSE:O) conscionable notched its 114th consecutive quarterly increase, and AFFO/share roseate 6.6% YoY to $1.13. CEO Sumit Roy said, "Our archetypal 4th results underscore the spot and resiliency of our planetary concern and operating platforms." Southern Company (NYSE:SO) has paid dividends for 79 consecutive years without a cut, with information halfway request padding the net outlook.

VZ Carries the Most Baggage

Verizon (NYSE:VZ) services $172.5B successful indebtedness post-Frontier and projects FCF of $21.5B+ successful 2026. The output is real, the leverage is not trivial.

How I'm Allocating the $1.1M

My split: 25% KO, 25% ABBV, 20% O, 18% SO, 12% VZ. I would thin harder into Verizon if its leverage drifts backmost nether 2.5x. I would trim REIT vulnerability if the 10-year pushes past 5%. For an IRA wherever each dividend reinvests untaxed, I privation information and maturation successful astir adjacent measure. This stack delivers both.

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