Income without NAV-erosion traps
Dividend payers yielding 4 % or more with solid Dividend Safety; hard red flags, cut-risk and payout warnings left out; closed-end funds and BDCs only as a small capped satellite.
This model is the same for every visitor and built by the published rule below. It is general research, not personal advice and not an assessment of your situation.
Many US closed-end funds and some US funds have no KID, so EU retail investors cannot buy them; the EU column says which.
Record since first publication
Against S&P 500 Total Return; both 100 at the first entry close.
Monitoring since first publication — far too short to judge. Past results do not predict future results; no backtest is shown.
No closes yet
The record starts at the close of 16 Eki 2026.
Total return in USD: dividends reinvested, before taxes, fees and trading costs; forward only — see the live record for the method.
Holdings
25 holdings and their target weights at the last rebalance.
| Instrument | Weight | Balanced | Income | Dividend yield | EU retail | Notes |
|---|---|---|---|---|---|---|
| MOAltria Group | %4,6 | 10/10 | 10 | %5,9 | EU retail: available | Note:Negative equity |
| AVAAvista Corporation | %4,6 | 8/10 | 8 | %5,4 | EU retail: available | Caution:Cash burnCaution:Dilution |
| EIXEdison International | %4,6 | 8/10 | 8 | %6,3 | EU retail: available | Caution:Cash burn |
Target weights at the last rebalance; between rebalances the weights drift with prices. Smart Scores and notes are today's.
Allocation
By sector
- Real estate%25,0
- Financials%23,9
- Consumer discretionary%18,6
- Consumer staples%13,9
- Utilities%13,9
- Communication services%4,6
By asset class
- Stock%65,0
- REIT%25,0
- BDC%10,0
The rule
Exactly what the job applies at each rebalance.
- Universe: Stock, REIT, ETF, Closed-end fund, BDC — any country except Russia (it has its own model).
- Filters: Dividend yield ≥ %4; Dividend Safety ≥ 60.
- Always left out: any hard red flag, low-confidence scores, ratings not yet in the public rating log and prices older than 10 days. Also left out: Dividend cut risk, Payout above earnings, Unverified dividend.
- Order: Smart Score (income), Dividend Safety; on a tie, the larger company first.
- The top 25 in that order, one share line per issuer, equal weight; at most %5 per holding and %25 per sector — weight the caps leave over is held as cash.
- Closed-end fund, BDC: a satellite of at most %10 in total and %2 each.
- A holding stays while it is still eligible and ranks within the top 38; the model is published only with at least 15 holdings.
- Rebalanced on the first business day on or after the 15th of each month, and at once when a rule changes.
- Benchmark
- S&P 500 Total Return
- Currency
- USD
- Rules version
- m1-29a7418bdc
- Data as of
- 2026-10-15 05:59 UTC
Changes
Each composition with its publication date and time (UTC).
| Published | Kind | Holdings | Added | Removed | Weight changed |
|---|---|---|---|---|---|
| Rule change | 25 | — | — | — | |
| First publication | 25 | 25 | — | — |
The names in each change are part of Invest Pro; the dates, times and counts are public.
Disclosures
- Produced by
- AI-Stock Invest (AI Stock Predictions)
- Composition published
- 15 Eki 2026, 05:59 UTC
- Valid
- until the next rebalance (16 Kas 2026) or a rule change
- Nature
- Rules-based model portfolio; general research identical for every visitor; not a forecast and not personal advice.
- Conflicts of interest
- The operator holds none of these holdings.
Every change of a model is recorded with its time next to the instrument's ratings; the operator's own trading follows the window described in the methodology. Methodology and sources
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