Buying the Dip: 3 Super Safe High-Yield Dividend Stocks for Retirement

In the tumultuous world of investing, the phrase "buy the dip" has become a mantra for those seeking to capitalize on market volatility. As the stock market experiences a sell-off, driven by President Trump's tariffs and the looming threat of a recession, investors are scrambling to find safe havens. For those with a long-term perspective, particularly those nearing retirement, high-yield dividend stocks offer a compelling opportunity. These stocks not only provide a steady income stream but also have the potential to outperform during market downturns. Here are three super safe high-yield dividend stocks that I added to my retirement account during the recent sell-off.



The first stock on my list is Annaly Capital Management (NYSE: NLY), a mortgage real estate investment trust (REIT) with a nearly 13.8% yield. While mortgage REITs are often shunned due to their sensitivity to interest rate changes, Annaly's track record speaks for itself. The company has averaged a roughly 10% yield over the last two decades and has declared approximately $27 billion in dividends since its October 1997 initial public offering. Despite the recent volatility, Annaly's long-term performance and consistent dividend payments make it a reliable choice for income-focused investors.

The second stock is CVS Health (NYSE: CVS), a healthcare plan company with a forward dividend yield of 3.93%. CVS has shown remarkable resilience, rising 52.4% in the first quarter of 2025 despite the market sell-off. The company's narrow economic moat and strong growth outlook make it an attractive option for investors seeking stability and income. With a stock price of $67.75 per share and an annual dividend of $2.66 per share, CVS is trading at a 21% discount to its fair value estimate, making it a bargain for long-term investors.

The third stock is Philip Morris International (NYSE: PM), a tobacco company with a forward dividend yield of 3.4% and an annual dividend of $5.40 per share. Philip Morris has a wide economic moat and is trading near its fair value estimate of $141 per share. The company's strong brand recognition and competitive advantages make it a reliable dividend stock, even in uncertain times. With a stock price of $158.73 per share, Philip Morris offers a steady income stream and the potential for long-term growth.

The current economic conditions, marked by tariff-induced volatility and recession risks, make high-yield dividend stocks an attractive option for investors seeking stability and income. These stocks, often from stable and time-tested companies, provide a cushion against market downturns and offer a steady income stream, making them a smart choice in uncertain times. As the market continues to navigate the challenges posed by President Trump's tariffs and the potential for a recession, investors would be wise to consider adding these super safe high-yield dividend stocks to their retirement portfolios.