退休的人更需要現金流，而不是股票的成長性。年輕人沒必要去追求高分紅，最多也就是避一下險，因為分紅是現金，抗跌。

另外分紅比直接賣股在稅率上略有優勢。

Qualified dividends are taxed at 0%, 15%, or 20%, depending on your income level and tax filing status. Short-term capital gain rates are the same as ordinary tax rates for 2023. This means the lowest income taxpayers will pay 10% short-term capital gains tax rates, and the highest income taxpayers will pay 37% short-term capital gains tax rates.