Investing Experts Profiting from growth and income with Retirement Income Warrior
Feb 11, 2026
David Alton Clark, investment advisor behind Retirement Income Warrior who manages income and growth portfolios for retirees, outlines his three income and two growth strategies. He discusses recent profit-taking moves, why very high yields can risk capital, bonds and preferreds for retirees, macro risks like the Fed and jobs, and tax-loss harvesting timing.
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Harvest Growth To Fund Reliable Income
- Build two growth portfolios and three income portfolios to balance capital gains and stable retirement income.
- Use gains from growth to redeploy into higher-quality income holdings over time.
Prioritize Capital Preservation Near Retirement
- Shift more capital into dependable, lower-yielding income as you near retirement to reduce capital risk.
- Capital preservation plus steady yield matters more than chasing very high yields late in the cycle.
Take Profits On Strong Growth Moves
- Clip profits when growth holdings rise more than ~20% unless they're long-term speculative bets.
- Redeploy those profits into income or other high-conviction holdings.