Sep. 28, 2025 10:40 AM ETSPY, SPX, VOO, SCHD, NEE, PM, ENB, DB, BAM, BAM:CA, ENB:CA1 CommentRobert & Sam KovacsInvesting Group LeaderSummarySequence of return risk can devastate retirement portfolios, especially when early negative returns coincide with withdrawals, undermining the traditional 4% rule.Dividend investing offers a powerful solution by providing steady cash flows that are largely independent of market volatility, neutralizing sequence risk.Building a portfolio of high-quality, dividend-growing stocks can deliver superior returns and reduce stress.Following a disciplined approach of buying undervalued dividend stocks and selling when overvalued ensures income growth, portfolio resilience, and protection against inflation.Looking for a helping hand in the market? Members of The Dividend Freedom Tribe get exclusive ideas and guidance to navigate any climate. Learn More »Arsgera/iStock via Getty ImagesWritten by Sam KovacsIntroductionRetiring just before a market crash will wreak havoc in a retirement portfolio.This danger is well documented and researched. It is referred to as "sequence of return" risk: it's the risk that theMore on my IG serviceStart Buying High Quality Dividend Stocks TodayWhen you join the Dividend freedom Tribe you'll instantly get access to our Top 10 picks for H2 2025. (Our Q3 list coming soon) These are hand picked, high quality dividend stocks, which we currently believe are undervalued. Buy at the right price, and let the rest take care of itself.You can get the whole DFT for a month for just $9. Click here.This article was written byRobert & Sam Kovacs45.23K FollowersWe’re a father-and-son team dedicated to helping individual investors achieve financial independence through strategic dividend investing. With years of combined experience and a deep understanding of the markets, we’ve developed a straightforward yet powerful method that empowers investors like you to take control of your financial future, create a massive dividend snowball, and retire happy and free.At The Dividend Freedom Tribe, we don’t serve institutional clients or cater to Wall Street’s elite. Instead, we focus on everyday investors who want to build sustainable wealth and income with a strategy that works in real-world conditions.Our motto is simple: "Buy Low, Sell High, Get Paid to Wait.” It’s a time-tested approach that’s helped our members generate reliable income, even in volatile markets.When you join The Dividend Freedom Tribe, you gain access to a comprehensive suite of tools designed to give you an edge. Our three model portfolios are built for different investing styles, whether you’re seeking high yield, high growth, or a balanced approach. All 3 have beaten the market since inception.You’ll also receive exclusive, in-depth analysis of a universe of 100 hand picked dividend stocks, weekly buy/watch/sell lists to help you make informed decisions, and our proprietary DFT Charts.But it’s not just about the numbers. As a member, you’ll be part of a vibrant, supportive community of dividend investors who share your goals and are eager to help each other succeed. We believe in transparency, engagement, and creating a space where everyone can learn and grow.Whether you’re just starting your investing journey or you’re a seasoned pro, we’re here to provide the insights and support you need to turn your retirement dreams into reality.Join us today and discover how our proven strategy can help you achieve financial freedom.Click here to get startedPS: If you're not yet ready to get started, join our free tier and follow us on SeekingAlpha.Analyst’s Disclosure:I/we have a beneficial long position in the shares of PM, ENB, NEE, BAM, DB either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.Comment(1)Recommended For You