How is your retirement planning going? How much money do you need on day one of retirement? How about when you are ten years into your plan?

In 1978, the government decided individuals could start planning their own retirements, and pensions would be a thing of the past.

Overall, we haven't done so well at ensuring we have enough money when our retirement arrives. But there is one thing that we can do to ensure a fruitful retirement—dividend investing.

Dividends give us the freedom to spend them as required or reinvest them to make an even bigger nest egg. The sooner we start our "dividend snowball," the more significant it becomes before retirement.

What is holding you back? Start your dividend portfolio today to ensure a super-charged retirement tomorrow.