Grounded Life Investments

The Dividend Dashboard Built for Retirement Income

332 dividend stocks graded A through F. Three real-money portfolios tracked live. Eleven tools covering every decision a retirement income investor faces — in one place.

Real money. Real trades. Updated nightly with live data
Dividend Safety Screener Live
KO
Cons. Staples
3.2%
62 yrs
A
O
Real Estate
5.4%
30 yrs
B+
VZ
Telecom
6.6%
20 yrs
B−
ABBV
Healthcare
3.4%
12 yrs
A−
332
Dividend stocks graded A–F
3
Real-money portfolios tracked live
$750k
Real money tracked since May 2025
11
Tools built for retirement income

Dividend Safety Screener

Every stock in our 332-stock universe is graded A+ through D across six financial safety dimensions. Click any stock to see exactly why it earned its grade — not just a number, but a full breakdown you can act on.

  • Payout ratio, FCF coverage, debt levels, and interest coverage scored individually
  • Dividend streak tracked — Kings, Aristocrats, and Champions labeled
  • Dividend Outlook paragraph written for every stock, updated each quarter
  • Earnings call highlights included for every company that reports
Dividend Safety Screener — 332 stocks
StockYieldStreakGrade
KO
Coca-Cola
3.2%
62 yrs
A
Very Strong
O
Realty Income
5.4%
30 yrs
B+
Strong
Safety Breakdown
Payout Ratio
✓ 82%
REIT standard
FCF Coverage
✓ 91%
Well covered
Dividend Streak
✓ 30 yrs
Dividend Champion
Debt / Equity
✓ N/A
REIT structure
Interest Coverage
◉ 2.1x
Adequate for REIT
Yield
✓ 5.4%
High yield
Dividend Outlook Updated Jan–Mar 2026
Realty Income is as close to a monthly income machine as the public markets offer. Thirty consecutive years of uninterrupted dividends across recessions, a global pandemic, and multiple rate cycles. The REIT structure means payout ratios look high by traditional standards — that is by design, not concern. At 5.4% yield with a monthly payment cadence, this is a core holding for any retirement income portfolio.
VZ
Verizon Communications
6.6%
20 yrs
B−
Moderate
JNJ
Johnson & Johnson
3.4%
62 yrs
A+
Exceptional
Model Portfolios
Income ($250k)
Glide Path ($250k)
Growth ($250k)
Portfolio Value
$311,104
Live prices
Price Return
+15.74%
+$39,257 · 13/17 pos
Dividends Received
$21,847
Est. since inception
Est. Annual Income
$21,835
8.7% yield on cost
TickerNameEntryG/LAnn. Inc.
JEPQ
JPMorgan Nasdaq EPI
$51.63
+11.4%
$11,495
SCHD
Schwab US Dividend ETF
$25.73
+9.2%
$1,800
DIVO
Amplify CWP Enhanced Div.
$41.49
+8.9%
$1,798
VZ
Verizon
$43.99
−13.1%
$146

Three Real-Money Portfolios. Full Transparency.

Income, Glide Path, and Growth — each starting at $250,000 on May 1, 2025. Every buy and sell is documented with an entry price, exact date, and written rationale. Follow along or use the portfolios as a benchmark for your own.

  • Portfolio value, returns, and income updated with live prices daily
  • Every trade logged with exit price and written explanation
  • Closed Positions tab shows the full trade history — including losses
  • Capital accounting row shows seed, injections, and dividends reinvested

Ready to stop guessing which dividends are safe?

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Income Planner

Enter your investment amount, choose your ETF allocation across ten income-focused funds, and see your projected monthly and annual income update instantly. No spreadsheet required.

  • Curated income ETFs from covered-call to dividend growth
  • Sliders update projected income in real time as you adjust
  • Yield on cost, monthly income, and annual income all calculated
  • VOO included as a benchmark comparison for total return tradeoff
Income Planner
Investment Amount
$250,000
SCHD
Schwab US Dividend ETF
0%
$0
JEPQ
JPMorgan Nasdaq EPI
0%
$0
VIG
Vanguard Div. Appreciation
0%
$0
DIVO
Amplify CWP Enhanced Div.
0%
$0
Monthly Income
$0
Annual Income
$0
NEW

True Portfolio

You own three dividend ETFs and a handful of stocks — so what do you actually own? Enter rough dollar amounts and we unpack every fund into its underlying stocks, then roll everything up. Most investors discover they're far more concentrated than they thought.

  • Every ETF decomposed into its real underlying holdings
  • See the same stock stacking up across multiple funds
  • Dividend pedigree: % in Kings, Aristocrats, and Achievers
  • AI-written plain-English analysis of your true composition
  • No prices, no shares, no account linking — ever
True Portfolio — What You Actually Own
You entered 3 ETFs + 4 stocks → they unpack into 217 underlying holdings
MSFT
7.4% in 4 holdings
ABBV
4.4% King
KO
2.9% Aristocrat
TXN
2.2% Achiever
🔍 You hold Microsoft through 4 different funds — 7.4% of everything you own, without ever buying it directly.
18% Dividend Kings 26% Aristocrats 54% Achievers

Conviction Picks

Not a stock screener. A curated set of high-conviction positions with full written reasoning — so you understand the thesis, not just the ticker.

NVDA
NVIDIA Corporation
AI Infrastructure
Added
May 2, 2025
Entry
$114.50
Return
+79.1%

NVIDIA is not a semiconductor company in the traditional sense anymore. It is the operating system of the AI economy. Every major cloud provider, AI lab, and enterprise building AI infrastructure is doing it on NVIDIA GPUs — not because it is the only option, but because the CUDA software ecosystem built over 15 years creates switching costs that silicon alone cannot replicate. AMD can build a competitive chip. They cannot replicate a decade and a half of developer tooling, model optimization, and institutional familiarity overnight.

The data center revenue trajectory is not a cycle — it is a buildout. The world is constructing AI infrastructure the same way it built out the internet in the 1990s, and NVIDIA is selling the picks and shovels. Every dollar Microsoft, Google, Amazon, and Meta spend on AI training runs through NVIDIA's order book in some form. At current growth rates and with Blackwell architecture now shipping at scale, the forward earnings picture supports the multiple for investors with a multi-year time horizon.

This position is held across the Growth Portfolio. Position sizing reflects a high-conviction but not reckless allocation — sized to be meaningful if the thesis plays out, survivable if it does not.

Daily Brief
📅 Monday, June 8, 2026
Updated 11pm ET
Dividend Actions
SCHD raised quarterly distribution to $0.2872 — up 8.4% year-over-year, extending its 13-year consecutive growth streak
O declared monthly dividend of $0.2680 per share, payable July 15 — 128th consecutive monthly payment
ABBV increased quarterly dividend to $1.64/share (+5.8% YoY), 12th consecutive annual increase
Earnings Results
AAPL Q2 beat — $111.2B revenue (+17% YoY), EPS $2.10 vs $1.94 est. March records across most product lines
LOW inline — Q1 revenue $22.6B, maintained full-year guidance. Home improvement demand holding steady
Reporting Soon
HD — June 17, before market. Analyst consensus: $3.84 EPS
WMT — June 19, before market. Watching for consumer spending commentary
TGT — June 18, before market. Discretionary consumer bellwether

Daily Brief

Every morning: the dividend actions, earnings results, and upcoming reporting dates that matter to income investors. Refreshed automatically every night at 11pm ET — no curating required on your end.

  • New dividend declarations, raises, and cuts surfaced immediately
  • Earnings results with management commentary highlights
  • Upcoming earnings within a 14-day window so you're never surprised
  • Refreshed automatically — no manual work, always current

Every tool a retirement income investor needs.

One subscription. Eleven tools. All the tools a retirement income investor needs.

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Niche ETF Finder

Enter one or more stock tickers and instantly see every ETF that holds all of them — with each holding's weight, AUM, and fund type. Perfect for finding concentrated thematic exposure or vetting your current ETFs.

  • Enter multiple tickers to find ETFs that hold all of them
  • Shows weight per holding, AUM, fund type, and expense ratio
  • Works for any ticker — stocks, REITs, MLPs, and more
  • Results ranked by ETF size and relevance
Niche ETF Finder
🔍 Tickers:
VNQ
Vanguard Real Estate ETF
Broad REIT · 0.12% ER · holds all 3
7.1%$68.4B
XLRE
Real Estate Select Sector SPDR
S&P 500 REITs · 0.09% ER · holds all 3
8.3%$8.2B
SCHH
Schwab US REIT ETF
Broad REIT · 0.07% ER · holds all 3
7.4%$7.1B
KBWY
Invesco KBW Premium Yield REIT
Mid-cap REITs · 0.35% ER · holds O, NNN
6.2%$0.9B

Tax Placement Guide

Not all dividends are taxed the same. REITs, MLPs, covered-call ETFs, and qualified dividend stocks each belong in a different account. We tell you exactly where to put each holding.

Tax Placement
HoldingName & TypeAccountWhyPriority
O
Realty Income
REIT — Ordinary income
Traditional IRA
REIT distributions taxed as ordinary income — shelter at your top marginal rate
⭐ First priority
VNQ
Vanguard Real Estate ETF
REIT ETF — Ordinary income
Traditional IRA
Same treatment as individual REITs — ordinary income throughout
⭐ High priority
GLD
SPDR Gold Shares
Commodity ETF — Collectibles rate
Roth IRA
Gold ETFs are taxed as collectibles at 28% — well above the standard capital gains rate. Shelter in Roth to avoid that hit entirely
Roth preferred
EPD
Enterprise Products Partners
MLP — K-1 complexity
Taxable Only
MLPs in an IRA trigger Unrelated Business Taxable Income (UBTI) — avoid IRAs entirely
⚠ Special rule
GOOGL
Alphabet Inc
Growth stock — Minimal dividend
Roth IRA
High growth potential — let gains compound tax-free in Roth for maximum benefit
Roth preferred
SCHD
Schwab US Dividend ETF
Dividend ETF — Qualified divs.
Taxable
Qualified dividends taxed at preferential 0–20% rate — most tax-efficient in taxable
Taxable-friendly
Sleep Well At Night — 59 stocks ranked
#TickerNameYield5yr AvgSWAN Score
1
KO
Coca-Cola
Cons. Staples · 62 yrs
3.2%
2.9%
1.10 ↑
2
JNJ
Johnson & Johnson
Healthcare · 62 yrs
3.4%
2.8%
1.21 ↑
3
PG
Procter & Gamble
Cons. Staples · 68 yrs
2.6%
2.3%
1.13 ↑
4
O
Realty Income
Real Estate · 30 yrs
5.4%
4.8%
1.13 ↑
5
ABBV
AbbVie
Healthcare · 12 yrs
3.4%
3.1%
1.10 ↑
+ 54 more stocks & 5 ETFs ranked

Sleep Well At Night Universe

A hand-curated universe of 54 stocks and 5 ETFs ranked by one clean measure: is today's yield higher or lower than the 5-year historical average? A stock yielding more than its history suggests you're buying at value. Less, and you're paying a premium.

  • SWAN Score = current yield ÷ 5-year average yield
  • Score above 1.0 means the stock is historically cheap on income
  • Universe is hand-curated — only the most reliable long-term payers included
  • Updated nightly with live yield data

Should I DRIP?

Automatic dividend reinvestment sounds simple, but it isn't always the right call. Some dividends compound beautifully. Others are better taken as cash and deployed on your own terms. We analyze each holding and give you a recommendation with the reasoning behind it.

  • Clear verdict: DRIP it or redirect to cash
  • Considers yield level, dividend growth rate, and compounding math
  • 10-year share accumulation projection if you DRIP
  • Full yield history chart for every stock in our universe
Should I DRIP?
Yield
3.2%
DG Rate
7.1%/yr
Streak
14 yrs
Our Recommendation
💧 DRIP It
Dividend growth is strong enough to make reinvestment worthwhile
Why DRIP works here
At 3.2% yield with 7%+ annual dividend growth, each reinvested share buys more income that compounds forward. Starbucks has raised its dividend consistently — reinvesting here lets the growth rate work for you over time rather than parking dividends as idle cash.
📈 100 shares today → approx. 138 shares after 10 years of DRIP
Yield
1.1%
DG Rate
4.8%/yr
Streak
51 yrs
Our Recommendation
↩ Redirect to Cash
Yield is too low for reinvestment to compound meaningfully
Why redirecting makes more sense
At 1.1% yield, the dividends WMT pays are a trickle — fractional shares that accumulate very slowly. You hold WMT for capital appreciation and dividend growth history, not income compounding. Take the dividends as cash and deploy them into a higher-yielding position where reinvestment actually moves the needle.
↩ Redirecting $220/yr to a 5% yielder generates $4,400 in income over 10 years

Eleven tools. One subscription. Built for retirement.

Everything you need to build, track, and grow a dividend income portfolio — without the noise.

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Choose Your Plan

One flat price. Full access to every feature. No tiers, no upsells.

Monthly
$29
per month — cancel anytime
 
  • All 11 dashboard tools, full access
  • 332 stocks graded A+ through D
  • 3 real-money portfolios tracked daily
  • Daily Brief refreshed every morning
  • Income Planner with live yields
  • SWAN universe — 59 stocks ranked
  • Tax Placement guide for every holding
  • Should I DRIP? for full universe
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