|
Note: Click here to view this email in your browser.
Good morning,
Conservative retirement investing is all about creating passive income with quality securities held for the long-run.
At Sure Dividend, we focus on dividend growth stocks to build a rising and reliable passive income stream.
Continue reading this email to see 4 of the reasons why we practice our unique style of conservative retirement investing at Sure Dividend.
Reason #1: The Advantage Of Investing In Stocks
Publicly traded stocks have a host of advantageous wealth-building characteristics:
- Stocks have generated the strongest returns of any major asset class over the long run - and it isn't close.
- The cost of buying and selling individual securities is incredibly cheap now - and holding stocks after purchasing them is free (free is good).
- The stock market's combination of transparency (readily available financials) and liquidity reduce uncertainty relative to more opaque and illiquid investments.
But everything has a catch...
The "big catch" of the stock market is the price volatility caused by the market itself being so active.
When you see prices decline quickly, it can be difficult to hold for the long-run.
Reason #2: Price Volatility Can Work In Your Favor
The big drawback of the stock market is volatility... But that isn't a real drawback with income investing.
It's also where being a relatively conservative, long-term investor becomes an advantage.
“When an investor focuses on short-term investments, he or she is observing the variability of the portfolio, not the returns – in short, being fooled by randomness."
– Nicholas Nassim Taleb
When your portfolio produces the income you need, if stock prices fall by 10% or even 50% your income doesn't fall (assuming you are in strong businesses likely to increase their dividend rather than reduce it).
Price declines don't impact the reason of investing; income.
But price declines do mean that putting new money into the market from any source is invested at more attractive rates.
Note: Sources of funds may be reinvested dividends, transferring funds from overpriced stocks to underpriced stocks, or new savings.
Conservative investors will naturally be drawn to higher quality businesses less likely to reduce their dividend payments during recessions.
And when you invest conservatively for income you get to profit from market volatility by choosing when you buy and sell instead of letting the market dictate your moves.
Picking exactly what to invest in can get complicated, but it doesn't have to.
Reason #3: Minimal Investing Fees
There are a variety of investing services out there that range in price from asset managers and active mutual funds to investing directly in individual stocks.
Investment advisors typically charge ~1.0% of assets under management annually. For a $1,000,000 portfolio, investing in individual securities yourself saves $10,000 per year (and savings only increase as your account grows).
The less you pay in investing fees, the more money is left in your investment account to grow and produce income for you. The less you pay the more you keep.
This means investing in individual securities. And specifically, income producing securities to generate passive income for investors in retirement or preparing for retirement.
How to find quality individual income securities to invest in is discussed below.
Reason #4: Sure Dividend Finds You Quality Income Investments
No one cares more about your financial future than you do so it can make sense to take your investing future into your own hands.
And that means finding quality income securities yourself.
There's no way around it – the most comprehensive way to find quality income dividend stocks and related investment opportunities is to analyze as many candidates as possible.
“The person that turns over the most rocks wins the game. And that’s always been my investing philosophy.”
- Investing legend Peter Lynch
But that level of diligence is both time intensive and difficult.
That's where the Sure Analysis Research Database (SARD) comes in.
The core idea behind SARD is that you have a team of researchers staying up to date with the newest developments for income securities to find you quality investments trading at fair or better prices.
"My wife even stopped worrying about me investing a large portion of our savings and now tells everyone how I am an investing genius! That I am definitely not, but at least I am smart enough to follow one. Thanks again Ben as your service has really changed my life and helped me better prepare for the future."
– Sure Dividend reader
We analyze more than 900 income securities in SARD, including:
- All Dividend Kings
- Many REITs and MLPs
- All Dividend Aristocrats
- All Dividend Champions
- Nearly all individual monthly paying income securities
And many other quality and/or high yield income securities
We create new reports for these securities when earnings are released – which is every quarter for the vast majority of securities in SARD.
SARD give you the power to compare 900+ income securities on an apples-to-apples basis over metrics that matter like:
- Buy/Hold/Sell Rank
- Expected total returns
- P/E ratios
- Fair value price
- Expected growth rates
|
|
- Dividend Risk Scores
- Dividend yields
- Dividend growth streaks
- Payout ratios
- And much more
|
Notes: See here for our glossary page for definitions of our metrics. We will continue to expand our coverage universe over time.
SARD has everything we do at Sure Dividend. It's the ultimate dividend growth service.
SARD includes the following resources to help our members invest in high quality dividend growth stocks for their retirement income portfolios:
- Massive Dividend Growth Stock Coverage
We cover 900+ income securities every quarter in Sure Analysis, over the same key metrics. See below for 3 examples of the 900+ income securities we cover:
+ Coca-Cola (KO)
+ Realty Income (O)
+ Landmark Bancorp (LARK)
- Weekly Top 10 Best-Of-The-Best Email
We send out an email each week with the 10 highest expected total return securities with "A" or "B" Dividend Risk Scores from the most recent editions of the Sure Dividend Core Newsletter, Sure Dividend High Yield Newsletter, and Sure Dividend Growth Newsletter. This email uses the recommendations from our premium newsletters, so you get a concise list of the best-of-the-best dividend growth stocks each week.
+ Example Top 10 email from December 30th, 2025
- The Sure Analysis Research Database Spreadsheet
The Sure Analysis Research Database spreadsheet is powerful. It has everything you need to quickly sort through the 900+ income securities we cover to find the best that match your needs, and avoid the worst. And, it is updated daily, so you always have up-to-date info to guide your dividend growth investing decisions.
+ Example Spreadsheet from December 31st, 2025
- The Sure Dividend High Yield Newsletter
Our most yield focused long-term dividend growth newsletter. It publishes on the 2nd Sunday of the month. Click here for a historical edition.
- The Sure Dividend Growth Newsletter
Our most growth focused long-term dividend growth newsletter. It publishes on the 3rd Sunday of the month. Click here for a historical edition.
- The Sure Dividend Core Newsletter
Our most balanced (between yield and growth) long-term dividend growth newsletter. It publishes on the 1st Sunday of the month. Click here for a historical edition.
"My goal is to invest in high quality, long-term stocks. Specifically, mostly high dividend stocks. Sure Analysis, in my opinion, is an amazing tool to build my retirement portfolio."
– SARD member
Notes: Sure Dividend is currently trusted by more than 7,000 active members, including more than 2,500 active Sure Analysis members. You can see more about what our members have said about all our premium services here.
Why Now Is The Perfect Time To Get Started
Now is the absolute best time to upgrade to the Sure Analysis Research Database because of the February 2026 Sure Analysis Deep Discount Event.
Details are below:
- Best Price + Future Price Increases
+ You can join SARD for just $339/year now
+ SARD will never be this inexpensive to join again
+ We will increase prices for all future promotions from the current low discounted rate of $339/year
- Member Price Lock Guarantee
Your price will never increase when you join with this offer. It will stay at just $339/year for as long as you are a SARD member.
- 60-Day Full Refund Period
Our 60-day full refund period means you can get a full refund within 60 days of your first payment if SARD isn't the right fit for you. There are no hoops to jump through; just email us at support@suredividend.com.
- Enrollment Window
+ SARD enrollment is open for the 1st time since 2/3/26
+ Enrollment ends on 2/23/26, when this offer does
+ SARD enrollment won't reopen until ~3/18/25
- No Exceptions Deadline | 2/23/26 At 8:00 PM CST
This special deep discount enrollment opportunity ends at 8:00 PM CST on 2/23/26, with absolutely no exceptions, in just:
Email me directly at ben@suredividend.com with any questions.
To your compounding dividend income,
Ben Reynolds
Founder, Sure Dividend
P.S. This Sure Analysis deep discount event ends on 2/23/26 at 8:00 PM CST. Click here now to join the Sure Analysis Research Database annual plan with the deep discount applied, while it's still available.
|