If you are nearing or past age 73, the IRS forces you to sell investments through Required Minimum Distributions (RMDs) - even if the market is down. This blog shows you how to stop reacting and start planning. You will learn how to turn RMDs into a smart, reliable income stream using the Shareholder Yield strategy. It combines dividends and buybacks to give you steady cash flow and protects your capital with clear, rule-based filters. You will stop guessing and start withdrawing with confidence - no panic, no regret.
Estimated Reading Time: 6 minutes
Ol’ Farts of the world, unite. The government wants your money. At least, that is what it feels like when you hit the magic RMD age. Suddenly, the rules say you must start selling from your retirement accounts.
Whether the market is up, down, or sideways - your hand gets forced.
The problem is not the withdrawal. It is the timing. If you do not have a plan, you could be selling great stocks at the worst possible moment. That is what leads to regret and a shrinking retirement portfolio.
But here is the good news: with the right strategy, you can turn these forced withdrawals into a smart income plan.
The RMD Problem: Selling Stocks Under Pressure
If you are 73 or older, RMDs (Required Minimum Distributions) are no longer optional. The IRS wants their tax slice, and you must take a portion of your IRA or 401(k) out each year. You do not get to choose the timing - and that is where things go wrong for many retirees.
Selling under pressure feels awful. You might be forced to sell when the market is down or when your best-performing stocks are finally taking off. Worse, when many retirees do the same thing at once, prices drop even more. That is what creates the “panic herd.” And nobody wins in a stampede.
The Strategy Shift: Stop Guessing, Start Withdrawing Smarter
This is not just about staying calm. It is about building a plan that works with your withdrawals - not against them. What you need now is steady income, capital protection, and a process you can stick to even when markets are messy.
That is where the Shareholder Yield strategy fits. It is designed for investors like you - people who want income from stocks but do not want to chase risk. It combines dividend yield and stock buybacks to give you a stronger, more stable cash flow.
That means fewer surprises when you need to make your RMDs.
Why Shareholder Yield = The Smart Rebalance Strategy
Here is the big idea: instead of hunting for the biggest dividend, you are looking for total shareholder return. That includes dividends and buybacks. The average yield in this strategy is about 5% to 6%, is backed by real company action, not hype or hope.
The strategy only invests in large, stable companies (market cap $1 billion or more). And it only buys when the market trend is positive. That means fewer big drops, better income, and more peace of mind. So instead of scrambling to sell at the wrong time, you are sitting on a strategy that funds your RMDs without panic.
Click here to sigh up for the Shareholder Yield Letter NOW! - Click here
The "Ol’ Fart Advantage": Playing Against the Pros
Most investors your age are still guessing. They watch the news. They react to fear. They sell when they feel nervous and buy when things “feel safe.” But not you. You are using a proven system and that gives you a serious edge.
This is the core idea here at Quant Investing: Smart, systematic investing leads to financial independence faster and with less stress.
When others panic, you rebalance. When others chase yield, you collect real cash. You are not just keeping up. You are playing against the pros with the same tools they use. And you are winning.
How the System Works: From Filter to Watchlist to Withdrawals
We follow a system that puts risk management first. It starts with a market filter: we only buy stocks when the MSCI World Index is above its 200-day average.
Then we look for companies with high Shareholder Yield and large market caps.
From there, we apply a 23-point checklist to each stock to check debt, dividend safety, insider selling, and more.
Once the stock passes, it gets added to the model portfolio. We use stop-loss rules to protect your gains and cut losers early.
The result?
A strategy that gives you a growing income stream and keeps your portfolio stable. So when it is time for RMDs, you have strong positions to draw from.
Build a High-Yield Portfolio That Works with Your Withdrawals - Not Against Them
You do not need to panic when RMDs hit. You do not need to chase risky stocks or time the market. You need a strategy built to generate income and protect capital. That is what the Shareholder Yield Letter gives you.
You can preview the current picks. You can see how we use timing filters and safety checks. And you can finally stop guessing.
Let the government force you to withdraw - but do not let them force you to lose. Take control with a smarter plan.
Try the Shareholder Yield Strategy:
✅ 5% to 6%+ average yield
✅ $1B+ market cap companies
✅ Backed by dividends + buybacks
✅ Includes stop-loss protection
✅ It stops buying when markets fall
Click here to sigh up for the Shareholder Yield Letter NOW! - Click here
FREQUENTLY ASKED QUESTIONS
1. What exactly is an RMD, and why do I have to take it?
From what we understand an RMD (Required Minimum Distribution) is the amount the IRS forces you to withdraw from your IRA or 401(k) every year once you turn 73. The government let you invest tax-free for years, but now it wants its cut. You must withdraw and pay income tax on that money no matter if the market is up or down.
2. Why is selling stocks for RMDs risky?
If you sell when the market is down, you lock in losses. Worse, you might sell great companies just before they rebound. Many investors do this at the same time, causing prices to fall even more. This panic selling can shrink your retirement savings fast.
3. How can I avoid selling at the wrong time?
Use a plan that creates income year-round so you do not have to sell in a rush. The Shareholder Yield strategy helps by investing in big, stable companies that pay steady dividends and buy back their shares. This gives you cash flow to fund your RMDs without touching your best stocks.
4. What makes the Shareholder Yield strategy safer for retirees?
It only invests when markets are rising. That avoids buying during crashes. It focuses on large, high-quality companies worth $1 billion or more, and uses strict rules to pick stocks. You also get stop-loss protection to cut losers early and protect your gains.
5. How much income can I expect from this strategy?
The average income yield is 5% to over 6% per year. That comes from both dividends and share buybacks. It is like getting paid twice: once from dividends, and again from fewer shares being available (which can raise the stock price over time).
6. What happens if the market crashes?
This strategy stops buying when markets fall. That keeps you from adding new positions in a downtrend. Plus, the 20% stop-loss rule means weak stocks get sold fast, before small losses turn into big ones.
7. Can this strategy really help with RMDs every year?
Yes. It is designed for that. It gives you regular cash flow from strong companies, so you can cover your RMDs without panic selling. You stay invested in winners and avoid making emotional choices—just follow the rules and collect income.
Click here to sigh up for the Shareholder Yield Letter NOW! - Click here
