Dividendology

Follow for the Best Dividend Growth and High Yield opportunities!

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[Dividendology @dividendology]

HOW TO LIVE OFF DIVIDENDS:

The Truthful Math Behind the Ultimate Form of Financial Freedom:

(And why many will never achieve it)

A Step by Step Guide (Thread) 👇

[Dividendology @dividendology]

🚨 The 4% Rule Is More Dangerous Than Ever!

Here's Why:

[Dividendology @dividendology]

I'm not gonna lie-

This made me laugh.

[Dividendology @dividendology]

$CAT annual returns since 2019:

2019: 🟢 +16.85%
2020: 🟢 +20.92%
2021: 🟢 +13.50%
2022: 🟢 +15.73%
2023: 🟢 +23.77%
2024: 🟢 +23.93%
2025: 🟢 +59.23%
2026: 🟢 +33.71%

This isn't normal.

[Dividendology @dividendology]

Do you know the most important task of management?

It’s capital allocation.

Proper capital allocation is the difference between stocks that:

- Can grow free cash flow and dividends for decades
- Are forced to cut dividends

📉 Dividend Cuts

Dividend cuts are the worst nightmare for someone looking to live off dividends.

In February of 2024, I wrote an article on 3M stock, and how a future dividend cut was likely.

Keep in mind, at the time I wrote this article, 3M had grown their dividend payments for over 60+ years (making them a Dividend King)-

And had also just recently announced another dividend increase.

So naturally, I got a lot of pushback for this article.

But just a few months later, a dividend cut is exactly what happened.

In a single moment, the payments investors were receiving from 3M were slashed in half.

Devastating.

But leading up to this event, all of the warning signs were there.

This was completely avoidable-

Investors just didn’t know what to look for.

⚡ Safe vs Dangerous High Yields

One of the biggest lies in investing?

“High yield always equals high risk”

This could not be further from the truth.

It always boils down to capital allocation and the fundamentals.

Take Pfizer for example, currently yielding close to 6%.

They highlight how they’ve paid out more than $4.9 billion in dividends this year to shareholders-

But they don’t point out they’ve only generated $2.5B in free cash flow year to date.

Red Flag.

In fact, this has been a major issue for the last 3 years in a row now.

As a result of the company using all of their free cash flow to pay out dividends, not only has the sustainability of the dividend been called into question-

But the stock is now down nearly 19% in the last 3 years.

We take a much different approach to High Yield investing at Dividendology.

So far in 2026, we’ve added 4 stocks to our High Yield Portfolio.

The average yield of these stocks is 9.57%…

But all 4 of these stocks have outperformed the market this year.

And the fund we recently added to our High Yield Portfolio at https://t.co/K1RixCAKzQ?

- Yielded over 11% at the time of our addition
- Has grown the dividend at above 5%
- Has seen 7% share price appreciation since we bought it

A perfect example of a high yielder that the market is overlooking.

⚠️ The Problem…

I don’t know of a single software platform that provides the right information to properly analyze these high yield asset classes.

When have you seen software highlighting metrics and research such as:

- Portfolio option coverage for covered call ETFs?
- Tangible book value per share CAGR for BDCs?
- AFFO per share payout ratios over time for REITs?
- Interviews with the fund managers?
- The option strategies, distribution policies, withholding taxes, and structural differences of European option-income funds?

I’ve tested nearly every investing platform imaginable, and none of them provide the information investors need to make informed decisions about these alternative income asset classes.

What was even more shocking were the results when I asked investors whether they understood how to analyze them…

77% of the people surveyed said they owned these asset classes.

But only 4% felt confident analyzing their key metrics!

That gap is exactly what I feared.

🔑 The Solution

Over the last year, I’ve been building the Dividendology Database.

I realized there was a desperate need for something like this, so I took on one of the biggest projects I’ve ever attempted.

Most recently, I added the Dividendology European Option Income Fund Database-

Giving members a way to compare funds that are often difficult for U.S. investors to research and understand.

It breaks down critical details such as each fund’s underlying assets, option strategy, coverage level, roll frequency, distribution policy, withholding-tax considerations, and potential for long-term NAV growth.

It has taken me more than a year to compile the information needed to build these databases, and I’ve invested over $10,000 to access the underlying data.

And I’m not done.

I’m going to continue expanding the Dividendology Database to democratize income investing for everyone.

This might be the most valuable project I’ve ever worked on.

💥 The Goal of Dividendology

The goal of this newsletter/website is to help you compound your knowledge and your wealth.

And to make this the number 1 place for information and research on dividend growth and high yield strategies-

Which will ultimately allow you to one day live off dividends.

We’ve had many of you join in just the last couple of days.

Because we just added a brand new feature to the Dividendology Database, and to celebrate Dividend Week-

You can get 30% off by joining here: https://t.co/5hU9MkLaMo

Here’s everything you’ll get:

📊 Full Access to the Dividendology Database
Built with now over $10,000 invested in tools and research, this powerful database tracks dividend stocks and alternative income assets like Covered Call ETFs, REITs, BDCs, and interviews with Fund Managers.

📈 The Dividend Growth Portfolio
A real-money portfolio built from scratch, focused on long-term wealth creation and building a rapidly growing stream of dividend income

💸 The High Yield Portfolio
A real-money portfolio, designed to generate massive sustainable income with an average yield of 8%+

📉 Running List of Undervalued Dividend Stocks
Updated regularly — stay ahead with a curated list of the most attractively valued dividend opportunities in the market

🧠 In-Depth Research & Reports
Deep dives into dividend stocks and income strategies you won’t find on mainstream platforms

Almost all the spots have filled up in the last 3 days.

Once all spots are gone, the discount disappears.

The 30% discount can only be accessed via this link:

https://t.co/5hU9MkLaMo

Dividendology

[Dividendology @dividendology]

Someone shows you this chart and tell you we're in a bubble.

How do you refute their claim?

[Dividendology @dividendology]

@TappAlphaFunds 96.4% of the upside captured over the last 12 months.

Well done.

[Dividendology @dividendology]

JP Morgan released their list of top stocks for 2026 at the beginning of this year.

What do you think of their list 2/3rds through the year?

[Dividendology @dividendology]

Sometimes it really is just easier than you think.

Now up over 40% from it's June low. $MSFT

[Dividendology @dividendology]

https://t.co/xrFpfxqDrQ

[Dividendology @dividendology]

🚨 The 4% Rule Is More Dangerous Than Ever!

Here's Why:

[Dividendology @dividendology]

With today's 6.5% drop, Broadcom is now in the red year to date.

This puts them at a forward P/E of just 20.9x.

Here's their annual return since 2020:

2020: 🟢 +35.83%
2021: 🟢 +56.49%
2022: 🔴 −15.71%
2023: 🟢 +101.68%
2024: 🟢 +113.60%
2025: 🟢 +49.19%
2026: 🔴 −1.27%

[Dividendology @dividendology]

Compound interest truly is amazing.

[Dividendology @dividendology]

Buying and holding index funds through highs and lows is a great strategy.

But i bet if you saw this chart in 2013-

You would've guessed the market is about to crash.

[Dividendology @dividendology]

Pretty cool! I share the same sentiment with them on the question. One other reason that they didn't point out, is that it would literally be the greatest retirement tool of all time. Retirees could withdraw 7% annually without the purchasing power of the portfolio ever declining, and without having to worry about sequence risk.

[Dividendology @dividendology]

US HOUSING BUYER DEMAND JUST FELL TO A RECORD LOW:

Active sellers: 1,462,921
Active buyers: 966,752

There are now nearly 500,000 more sellers than buyers.

The housing market’s biggest problem is NOT a shortage of homes...

It’s a shortage of people who can afford to buy them.

[Dividendology @dividendology]

How much?

I'm always surprised how many people get his wrong.

[Dividendology @dividendology]

The stock market doesn’t always move with the economy.

Since 1965, the S&P 500 has alternated between long periods of explosive growth and “lost decades”:

📉 1965–1978: S&P 500 CAGR of just 0.1%
📈 1978–2000: S&P 500 CAGR of 13.4%
📉 2000–2013: S&P 500 CAGR of just 0.04%
📈 2013–2021: S&P 500 CAGR of 13.5%

The biggest returns came when stock valuations started relatively low compared to GDP.

[Dividendology @dividendology]

S&P 500 returns since 2009:

2009: 🟢 +22.57%
2010: 🟢 +13.24%
2011: 🟢 +0.97%
2012: 🟢 +14.23%
2013: 🟢 +29.08%
2014: 🟢 +14.69%
2015: 🟢 +1.40%
2016: 🟢 +13.67%
2017: 🟢 +20.80%
2018: 🔴 −5.18%
2019: 🟢 +31.32%
2020: 🟢 +17.40%
2021: 🟢 +30.63%
2022: 🔴 −18.63%
2023: 🟢 +26.79%
2024: 🟢 +25.73%
2025: 🟢 +18.14%
2026: 🟢 +13.14% (YTD)

Can we really expect this level of growth over the next 17 years?

[Dividendology @dividendology]

I recently interviewed the $VICI CEO to directly ask him the concerns investors have over VICI: https://t.co/wEn95mZtEX

[Dividendology @dividendology]

$VICI properties just a hit a new 5 year low.

P/AFFO: 10.40x
Projected AFFO per share CAGR: 3.5%
Dividend Yield: 7.02%

How low will $VICI go?