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Good morning,
We don't try to guess what the market will do in the future at Sure Dividend.
But one thing is certain, there will be another stock market crash at some point.
It may not be this year (or it may be this year...), but it will happen again eventually. That's the nature of financial markets.
The lesson to learn from market crash/recovery cycles is that you don't have to fear market crashes. You can benefit from them instead.
This email explains how you can profit from market crashes in 4 steps.
Step #1: Don't Panic Sell
The first thing is to understand what not to do...
I believe the single biggest mistake most investors make is selling when the market crashes. This means getting out of stocks at the worst possible time.
Many people get 'fed up', and go back to investing in less risky securities (with much lower expected returns), like bonds. This in effect 'locks in' losses from a market crash. And that's how wealth is transferred from temperamental investors to patient investors who buy during recessions.
I don't want any Sure Dividend readers to see their wealth transferred to more patient investors during this tumultuous economic period.
Step #2: Think In Terms Of Portfolio Income
Fortunately, there is a different way to invest that makes market crashes an opportunity to be seized rather than a danger to be feared.
Here's how: instead of thinking in terms of portfolio value, think in terms of portfolio income.
Instead of saying 'my investment account is worth $1,000,000', think 'my investment account generates $40,000 in income annually for me'.
Note: The above portfolio would have a 4% dividend yield.
This puts the focus on what your investment account does rather than on its value (which is subject to market whims).
It also means investing in income producing securities.
At the end of the day, almost all of us are investing for security and income. What matters is consistent (and preferably rising) income payments from our portfolio, not the dollar amount of the portfolio.
Here's a real world example. Aflac's (AFL) share price declined over 70% (ouch!) from the beginning of 2008 to the depths of the Great Recession. But its dividend went from $0.12 per quarter to $0.14; the company increased its dividend while the market was panicking. Market prices went crazy, investment income was stable, and actually increased slightly.
In the above example, income investors would've seen their dividend income coming in and not much would've changed in life (except getting a small income raise). Investors focused on price would've probably panicked and sold, locking in huge losses (depending on when one purchased Aflac).
Step #3: Buy When Others Are Selling
But here's where things get really exciting... When you focus on income instead of prices, you can profit from market crashes.
Take a look at Aflac again. It yielded under 2% before The Great Recession. When its price was in free fall, and people were panicking, Aflac's yield briefly went above 7%.
Said one more time, Aflac's yield went from under 2% to over 7%. This is the same company, just at different times. When you buy makes a big difference.
You can use market crashes to your advantage by thinking of them as deep discount sales on great businesses.
"Be fearful when others are greedy and be greedy when others are fearful"
– Warren Buffett
You can take advantage of 'fire sale' prices during market crashes by:
- Selling overvalued securities and then reinvesting the proceeds into the most undervalued securities
- Or simply investing some of your excess dividend income during recessions
Keep in mind, for every seller there is a buyer in the stock market (assuming a trade gets processed).
When people are panic selling, savvy investors are quietly on the other side of those transactions snapping up great businesses at absolutely unfair prices.
It isn't fair for the sellers (it is their choice though), but it's very profitable for buyers.
Step #4: Find The Right Income Securities
Once you have the income investor mindset in place, the next questions become:
- How to I find recession safe income stocks to buy now?
- How to I know which stocks are overvalued that I should sell?
And that's where the Sure Analysis Research Database (SARD) shows its value.
The Sure Analysis Research Database is our best and highest tier of service. It has everything we do at Sure Dividend.
Our SARD team of ~15 analysts will produce 3,600+ individual quarterly reports over the next four quarters for the 900+ income securities we cover.
Every security is analyzed over the same metrics. This way, we can compare different securities – say an MLP versus a fast-growing information technology sector dividend stock – on an ‘apples-to-apples’ basis.
And yes, there are still high quality dividend growth stock bargains to be found, even today's generally overvalued market.
The more investments analyzed, the better your chances of finding deeply discounted high quality dividend growth stocks.
“The person that turns over the most rocks wins the game. And that’s always been my investing philosophy.”
– Peter Lynch
Having a membership to The Sure Analysis Research Database means you have a team of investment researchers "turning over" hundreds of income securities for you, constantly looking for the best income stocks.
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.
"I also need to specifically thank you for the SARD. I used to download it every week to rank my purchases, percent ownership in my portfolio, and to look for domestic and foreign new buying ideas. I recently requested a sabbatical through the end of 2024 to help my parents: no income, but insurance is maintained. The SARD has been essential these past few months in screening and selecting which of my assets I need to let go of to cover my monthly expenses. I download it every trading day, and I really appreciate it."
– Sure Analysis member
Reminder: This special deep discount enrollment opportunity ends at 8:00 PM CST on 2/23/26, with absolutely no exceptions, in just:
Why Now Is The Best Time To Upgrade To SARD
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.
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