From grimoire
Guides users through building a dividend investing strategy—clarifying income needs, evaluating yield vs growth, and screening for dividend sustainability.
How this skill is triggered — by the user, by Claude, or both
Slash command
/grimoire:design-dividend-investing-strategyThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
Build a structured approach to dividend investing that aligns yield, growth, and total return with actual income needs.
Build a structured approach to dividend investing that aligns yield, growth, and total return with actual income needs.
Adopted by: Dividend investing is one of the oldest equity strategies — Graham and Dodd's "Security Analysis" (1934) emphasized dividend-paying stocks as evidence of earnings quality. S&P 500 Dividend Aristocrats (25+ consecutive years of dividend growth) have outperformed the S&P 500 over the past 20 years with lower volatility. Vanguard and Fidelity both offer dedicated dividend ETFs. Impact: Hartford Funds research (2023) shows dividends contributed 40% of total S&P 500 returns from 1930–2022. Companies that consistently grow dividends have historically exhibited superior earnings quality, management discipline, and shareholder alignment. Why best: Dividend income provides a behavioral anchor — receiving cash distributions is psychologically easier to hold through volatility than watching a total-return number fluctuate. For retirees, dividend income avoids forced selling (sequence-of-returns risk). For accumulators, dividend reinvestment is automatic forced buying during market dips.
$600k portfolio, income goal $24,000/year (4% yield needed): Allocation: 40% SCHD (3.5% yield, strong growth), 30% VYM (3.1% yield), 20% individual Dividend Aristocrats (3.8% avg yield), 10% REITs in IRA (5.2% yield, non-qualified — taxable-account tax drag avoided). Blended yield: ~3.6%. Shortfall: $2,400/year covered by selling 0.4% of growth assets. Dividend growth of 6–7% annually will close the gap in 2–3 years without additional selling.
Finance disclaimer: This skill encodes professional best practices for educational purposes. It is not financial advice. Consult a licensed financial advisor before making investment decisions.
npx claudepluginhub jeffreytse/grimoire --plugin grimoireAnalyzes dividend safety via payout ratios, FCF coverage, debt metrics, stress tests; evaluates growth rates and income opportunities for US stocks and REITs.
Analyzes passive income opportunities across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and capital, returns ranked opportunities and optimal allocation.
Audits alternative investments (private equity, REITs, crypto, commodities) using a structured framework to assess diversification, fees, liquidity, and correlation.