Stock indexes closed mostly lower Tuesday as the market delivered a downbeat finish on the final day of another milestone-shattering year on Wall Street. The S&P 500 gave up an early gain to finish down 0.

Dividend stocks can be your best friend in retirement -- especially when their payouts allow you to cover your living expenses without selling shares. The company has grown its earnings at a 4.4% annualized pace over the past five years, and analysts estimate it will grow them by 3.5% annually over the next three to five years.