Published on April 20th, 2026 by Bob Ciura
The ideal retirement investment would combine:
Low valuation
Strong expected growth
High starting dividend yield
Unfortunately, this combination is difficult to find in the stock market.
Difficult, but not impossible.
And that’s where high dividend stocks come in.
With this in mind, we have created a spreadsheet of over 200 stocks with dividend yields of 5% or more…
You can download your free full list of all high dividend stocks with 5%+ yields (along with important financial metrics such as dividend yield and payout ratio) by clicking on the link below:
The only time all three of these factors occur together is when a growth stock that is established enough to pay rising dividends, experiences a temporary valuation decline.
This can occur when the market misjudges the duration of a temporary negative event, or during a broader market downturn.
But all this spells opportunity for buy-and-hold investors.
This article will discuss 10 retirement stocks that have current yields of 4% or higher, which makes them attractive for income investors.
At the same time, these 10 ideal retirement stocks have safe dividends, with Dividend Risk Scores of ‘A’ or ‘B’, our highest rankings.
Lastly, the 10 ideal retirement stocks have positive expected earnings growth in the future, and are currently trading below fair value.
The stocks are listed by annual expected returns over the next five years, from lowest to highest.
Table Of Contents
The table of contents below provides for easy navigation of the article:
Ideal Retirement Investment #10: T. Rowe Price Group (TROW)
Annual Expected Returns: 13.2%
T. Rowe Price Group is one of the largest publicly traded asset managers. The company provides a broad array of mutual funds, sub-advisory services, and separate account management for individual and institutional investors, retirement plans and financial intermediaries.
T. Rowe Price had assets under management (AUM) of nearly $1.8 trillion as of December 31st, 2025.
On February 11th, 2025, T. Rowe Price raised its quarterly dividend 2.4% to $1.27, marking the company’s 39th year of increasing its payout.
On February 4th, 2026, T. Rowe Price announced fourth quarter and full year results for the period ending December 31st, 2025.
For the quarter, revenue grew 6.0% to $1.93 billion, but this was $10 million less than expected. Adjusted earnings-per-share of $2.44 compared favorably to $2.12 in the prior year, but missed estimates by $0.02.
For the year, revenue grew 3.1% to $7.3 billion while adjusted earnings-per-share of $9.72 compared to $9.33 in 2024. During the quarter, AUMs totaled $1.77 trillion, which represented growth of 8.3% year-over-year and a 3.0% improvement quarter-over-quarter.
Market appreciation of $33.9 billion was offset by net cash outflows of $25.5 billion. Operating expenses of $1.46 billion increased 16.5% year-over-year and 17% quarter-over-quarter.
Click here to download our most recent Sure Analysis report on TROW (preview of page 1 of 3 shown below):
Ideal Retirement Investment #9: Stanley Black & Decker (SWK)
Annual Expected Returns: 13.6%
Stanley Black & Decker is a world leader in power tools, hand tools, and related items. The company holds the top global position in tools and storage sales.
Stanley Black & Decker is second in the world in the areas of commercial electronic security and engineered fastening. The company is composed of three segments: tools & outdoor, and industrial.
On February 4th, 2026, Stanley Black & Decker announced fourth quarter and full year results. For the quarter, revenue was unchanged at $3.7 billion, but this was $80 million below estimates.
Adjusted earnings-per-share of $1.41 compared to $1.49 in the prior year, but this was $0.13 better than expected. For the year, revenue fell 2% to $15.1 billion while adjusted earnings-per-share of $4.67 compared to $4.36 in 2024.
Company-wide organic growth declined 3% for the quarter and was lower by 1% for the year. Organic sales for Tools & Outdoor, the largest segment within the company, was lower by 4% for the quarter.
North America was down 5%, Europe decreased 3%, and the rest of the world fell 4%. Results were pressured by power tool demand in retail channels in North America and a weak economic backdrop in several markets.
Click here to download our most recent Sure Analysis report on SWK (preview of page 1 of 3 shown below):
Ideal Retirement Investment #8: Eversource Energy (ES)
Annual Expected Return: 13.6%
Eversource Energy is a diversified holding company with subsidiaries that provide regulated electric, gas, and water distribution services in the Northeast U.S.
ES serves more than four million utility customers.
On February 12th, ES released its financial results for the fourth quarter. The company’s total operating revenue rose by 13.4% over the year-ago period to $3.37 billion in the quarter.
Base distribution rate increases (in Massachusetts, New Hampshire, and Connecticut) and continued system investments fueled this top line growth.
ES logged $1.12 in non-GAP EPS for the quarter, which was a 10.9% year-over-year growth rate. This exceeded the analyst consensus in the quarter by $0.02.
The company’s non-GAAP net profit margin held steady at 12.5% during the quarter. This was offset by a higher share count, which is why non-GAAP EPS growth lagged total operating revenue growth for the quarter.
ES announced a 4.7% raise to its quarterly dividend per share to $0.7875. That represented its 28th consecutive year of dividend growth.
For 2026, we expect ES to generate adjusted EPS of $4.94.
Click here to download our most recent Sure Analysis report on ES (preview of page 1 of 3 shown below):
Ideal Retirement Investment #7: Sanofi (SNY)
Annual Expected Returns: 13.7%
Sanofi is a global pharmaceutical leader that develops a variety of therapeutic treatments and vaccines.
Pharmaceuticals account for the majority of sales, with vaccines making up the remainder. Sanofi produces annual revenues of about $51 billion.
Sanofi is incorporated in France, but U.S. investors have access to the company through an American Depositary Receipt, or ADR. Two ADR shares equal one share of the underlying company.
On January 29th, 2026, Sanofi announced fourth quarter and full year results. Unless otherwise noted, all figures are listed in U.S. dollars and at constant exchange rates.
For the quarter, revenue grew 23% to $13.5 billion, which topped estimates by $235 million. The company’s earnings-per-share per ADR of $0.91 compared favorably to $0.68 in the prior year and was $0.06 more than expected.
For the year, revenue grew 4.8% to $50.7 billion while earnings-per-share per ADR of $4.53 compared to 4.11 in 2024.
Dupixent, which treats patients with moderate-to-severe asthma, had revenue growth of 32.2% during the period due to additional launches and gains across indications and geographies.
Sanofi has 80 products in development, with as many as 40 new potential new medicines and vaccines.
Sanofi provided an outlook for 2026 as well. The company expects revenue to grow at a high single-digit percentage with EPS increasing at a slightly higher rate.
Click here to download our most recent Sure Analysis report on SNY (preview of page 1 of 3 shown below):
Ideal Retirement Investment #6: Norwood Financial (NWFL)
Annual Expected Returns: 13.7%
Norwood Financial is a bank holding company that operates through its subsidiary, Wayne Bank. The company is an independent community bank with over 15 offices in Northeastern Pennsylvania and 14 offices in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York.
It offers a range of personal and business credit services, trust and investment products, and real estate settlement services to the consumers, businesses, non-profit organizations and municipalities in each of the communities that the company serves.
As of December 31st, 2025, Norwood Financial Corp. had total assets of $2.42 billion, loans outstanding of $1.85 billion, and total deposits of $2.08 billion.
On January 22nd, 2026, Norwood Financial Corp. released its fourth quarter results. For the quarter, the company reported a net income of $7.4 million, down from $8.3 million in the third quarter of 2025 but a significant improvement from a net loss of $12.7 million in the fourth quarter of 2024.
Reported quarterly earnings per diluted share were $0.80, compared to $0.89 in Q3 2025 and $(1.54) in the year-ago period.
The earnings reflect continued momentum following the strategic investment portfolio repositioning undertaken in the fourth quarter of 2024, alongside benefits from improved asset yields and deposit growth.
Click here to download our most recent Sure Analysis report on NWFL (preview of page 1 of 3 shown below):
Ideal Retirement Investment #5: Kimberly-Clark Corp. (KMB)
Annual Expected Returns: 13.9%
The Kimberly-Clark Corporation is a global consumer products company that operates in 175 countries and sells disposable consumer goods, including paper towels, diapers, and tissues.
It operates through two segments that each house many popular brands: Personal Care Segment (Huggies, Pull-Ups, Kotex, Depend, Poise) and the Consumer Tissue segment (Kleenex, Scott, Cottonelle, and Viva), generating about $20 billion in annual revenue.
Kimberly-Clark posted fourth quarter and full-year earnings on January 27th, 2026. Sales fell 0.5% year-over-year to $4.1 billion as organic sales growth of 2.1% was offset by a 2.5% decline resulting from the exit of the company’s private label diaper business in the US.
Organic sales growth was driven by volume and mix growth of 3%, partially offset by a 1.1% pricing headwind.
Adjusted gross margin was 37% of sales, in line with the year-ago period. Adjusted earnings-per-share came in at $1.86, which was up from $1.50 a year ago and a nickel ahead of estimates.
Management noted the merger with Kenvue was overwhelmingly approved by shareholders of both companies, and that it is expected to close in the second half of this year.
The dividend was also boosted to $5.12 per share annually from $5.04 previously. That is the 54th consecutive year of dividend increases for the company.
Click here to download our most recent Sure Analysis report on KMB (preview of page 1 of 3 shown below):
Ideal Retirement Investment #4: Hormel Foods Corp. (HRL)
Annual Expected Returns: 16.6%
Hormel Foods was founded in 1891 in Minnesota. Since that time, the company has grown into a juggernaut in the food products industry with about $12.3 billion in annual revenue.
The company sells its products in 80 countries worldwide, and its brands include Skippy, SPAM, Applegate, Justin’s, and more than 30 others.
Hormel posted first quarter earnings on February 26th, 2026, and results were mixed. The company posted slightly higher revenue at +1.3% year-over-year, totaling $3.03 billion. That missed expectations by $30 million.
Adjusted earnings-per-share came to 34 cents, which was two cents better than estimates.
Management noted gross profit was weak enough to offset top line growth as higher input costs and logistics expenses were worse than expected.
Adjusted SG&A was comparable to the year-ago period as a percentage of revenue, as higher employee and legal expenses were offset by reductions in marketing and advertising.
Adjusted operating income was $247 million, while adjusted operating margin was 8.2% of revenue for the quarter. Cash flow from operations was $349 million, rising about $26 million year-over-year.
Click here to download our most recent Sure Analysis report on HRL (preview of page 1 of 3 shown below):
Ideal Retirement Investment #3: Amcor plc (AMCR)
Annual Expected Return: 18.6%
Amcor plc is one of the world’s most prominent designers and manufacturers of packaging for food, pharmaceutical, medical, and other consumer products. The company emphasizes making responsible packaging that is lightweight, recyclable, and reusable.
Amcor reported its second quarter results for Fiscal Year 2026 on February 3rd, 2026. The company reported strong fiscal Q2 2026 results, with net sales of $5.45 billion, up 68% year-over-year, largely driven by the Berry Global acquisition.
Adjusted profitability improved significantly, with adjusted EBITDA rising 83% to $826 million and adjusted EBIT increasing 66% to $603 million, while adjusted EPS grew 7% to $0.86.
GAAP net income was $177 million ($0.38 per share) due to acquisition-related costs, and free cash flow totaled $289 million after approximately $69 million in integration and restructuring expenses.
For the first half of fiscal 2026, net sales reached $11.19 billion, up 70% year-over-year, reflecting $4.5 billion of acquired sales from the Berry combination.
Amcor reaffirmed its fiscal 2026 guidance, expecting adjusted EPS of $4.00–$4.15, representing 12–17% constant currency growth compared with fiscal 2025.
The company also expects free cash flow of $1.8–$1.9 billion, supported by at least $260 million in pre-tax synergy benefits from the Berry acquisition.
Click here to download our most recent Sure Analysis report on AMCR (preview of page 1 of 3 shown below):
Ideal Retirement Investment #2: FinVolution Group (FINV)
Annual Expected Returns: 20.4%
FinVolution Group is a fintech company which operates primarily in China but also internationally. Through its finance technology platforms, it automates loan transaction processes.
The company was founded in 2007, and is headquartered in Shanghai, China.
Investors can initiate an ownership position in the company through American Depository Receipts (ADRs) under the ticker FINV. Each of these ADRs represent five Class A ordinary shares of FinVolution Group.
On March 16th, 2026, FinVolution declared a 10.5% increase to its annual dividend, now $0.306 per share, marking its sixth consecutive annual increase.
FinVolution reported fourth quarter 2025 results on March 16th, 2026. Total outstanding loan balance fell by 0.8% year-over-year to RMB70.9 billion.
Total transaction volume in the quarter decreased by 25%, but for the full year, fell only 3%.
Diluted profit per ADS was US$0.23, and adjusted profit per ADS was US$0.25. Its adjusted operating margin declined from 23.8% a year ago to 17.2% in the latest quarter.
Provision for loans receivable was RMB261.7 million (US$37.4 million) in Q4 2025, up from RMB64.3 million in Q4 2024.
For 2026, management expects total revenue of RMB11.5 billion to RMB12.9 billion, which would be a 5% to 15% decrease from last year.
Click here to download our most recent Sure Analysis report on FINV (preview of page 1 of 3 shown below):
Ideal Retirement Investment #1: Novo Nordisk (NVO)
Annual Expected Return: 22.6%
Novo Nordisk A/S ADR is a large global pharmaceutical company headquartered in Denmark. The company focuses on two core business segments: Diabetes & Obesity Care and Rare Diseases.
The Diabetes & Obesity Care segment manufactures insulin, related delivery systems, oral anti-diabetic products, and products to treat obesity.
The Rare Diseases segment manufactures products for hemophilia and other chronic diseases. Novo Nordisk derives ~92% of revenue from diabetes and obesity.
The company’s products are marketed in 170 countries but approximately 48% of net sales are from North America and the rest is international sales.1 Total revenue was nearly $49.11B in 2025.
Novo Nordisk reported Q4 2025 results on February 3rd, 2026. Companywide sales were up 6% in Danish kroner and diluted earnings per share rose 2% to 23.03 DKK ($3.66) from 22.63 DKK ($3.60) on a year-over-year basis.
Diabetes & Obesity sales increased 7% to 289,456M DKK ($45,993M) driven by increases in Ozempic and Wegovy (obesity), offset by lower sales for Rybelsus (GLP-1), human insulin, long-acting insulin, fast-acting insulin, Saxenda (obesity), Victoza (GLP-1), and premix insulin.
The Rare Disease segment sales rose 5% to 19,608M DKK ($3,116M) caused by rising rare disorders drugs, offset by lower rare blood disorder drugs.
Click here to download our most recent Sure Analysis report on NVO (preview of page 1 of 3 shown below):
Additional Reading
If you are interested in finding high-quality dividend growth stocks and/or other high-yield securities and income securities, the following Sure Dividend resources will be useful:
High-Yield Individual Security Research
Other Sure Dividend Resources
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