Simply Safe Dividends Review – Is It Worth the Price?

About Merely Protected Dividends

Whereas investing in dividend shares could seem easy at first, the truth is that shares with the very best dividends additionally are typically extraordinarily dangerous. New dividend traders typically discover this out the onerous method when these firms go bankrupt or abruptly minimize their dividends.

Enter Merely Protected Dividends, an funding analysis service that helps traders discover top-rated dividend shares. The service combines portfolio administration instruments, evaluation, and capital preservation methods that can assist you succeed as a dividend investor.

So, is Merely Protected Dividends best for you? Preserve studying our Merely Protected Dividends overview to search out out.

Historical past of Merely Protected Dividends

Merely Protected Dividends was launched in 2015 by Brian Bollinger, a licensed CPA and former companion at a Chicago-based funding agency. Dividend portfolios gained lots of curiosity (no pun meant) by means of the zero-interest-rate-policy (ZIRP) period after the housing bubble. Low rates of interest damage retirees’ portfolios, so many regarded to dividend investments as a option to generate revenue.

Bollinger recognized this area of interest and centered on evolving the science of dividend portfolios. He created dividend portfolios which have outperformed the S&P 500. Bollinger compares shopping for shares to purchasing a home in that the objective will not be solely capital appreciation, but in addition revenue era. Bollinger has summed up the service as a “one-stop-shop for accountable revenue investing.”

Pitfalls of Dividend Investing

Whereas dividend investing might appear to be a simple option to develop your portfolio, the truth is that yield-chasing might be very dangerous for amateurs who don’t analysis the underlying firms prematurely.

For instance, an earnings miss may drop XYZ’s inventory worth by 25%, sending the annual dividend yield to 11%. An uninformed investor could also be enthralled by the double-digit yield and soar headfirst into the inventory trying to seize the rising yield, solely to have the inventory plummet one other 20% on information that they are going to be chopping dividend payouts.

Merely Protected Dividends makes traders conscious of dangers like this, permitting you to take a extra knowledgeable and strategic method to dividend investing.

Let’s take a better look.

How Merely Save Dividends Works

Like most mainstream fintech apps, Merely Protected Dividends goals to make its service easy and frictionless. All it is advisable to do is present primary monetary info and checklist your dividend shares. You may as well join a brokerage account to automate the onboarding course of.

Merely Protected Dividends will analyze your portfolio to populate a customized on-line dashboard that exhibits your yield, web acquire, portfolio distribution, and extra.

Earnings Calendar

One of many easiest options of Merely Protected Dividends can also be essentially the most useful. The platform offers a handy Earnings Calendar that tracks and shows upcoming dividend funds so you may plan your funds accordingly. You may as well see your projected annual revenue. This can be a boon for budgeting, particularly for retirees on a set revenue. Say goodbye to manually retaining monitor of payout dates in a pocket book or Excel.

Dividend Security Rating

Merely Protected Dividends analyzes the businesses you personal to find out how in danger they’re of dividend cuts. This analysis is simplified right into a single Dividend Security Rating on a scale of 0-100. Safer dividends generate larger Dividend Security Scores and sometimes have decrease dividend yields.

A inventory’s Dividend Security Rating is very useful for deciding which dangerous dividend shares are price investing in. You’ll be able to maintain an in depth eye on high-yield shares and get alerts when Merely Protected Dividends downgrades their Dividend Security Rating. As well as, any change in an organization’s dividend (elevate or minimize) will set off an e mail alert notifying the change quantity and the way it impacts your revenue stream.

Month-to-month Publication

The Clever Earnings month-to-month e-newsletter is written by Merely Protected Dividends’ founder, Brian Bollinger. It’s a very good useful resource for newbies to turn into familiarized with the science of dividends investing.

The e-newsletter is properly written and simple to comply with, as Mr. Bollinger has a knack for simplifying ideas. It additionally contains three mannequin portfolios that Bollinger personally manages together with his personal cash you can comply with, use to generate concepts, and even copy (at your personal threat).

The three dividend portfolios are diversified of their funding goals and are titled accordingly: Conservative Retirees, Lengthy-term Dividend Development, and High 20 Dividend Shares. Every portfolio contains efficiency metrics, detailed goals, an inventory of holdings, current modifications, and commentary. Up to date info is posted each day on the web site for members.

Newest Analysis

Members may get extra funding concepts by means of the personalized analysis that Merely Protected Dividends has carried out on greater than 100 dividend-paying shares.

The in-depth analysis for every inventory contains an underlying enterprise mannequin description, dividend development profile, dividend security info, earnings payout ratio, and earnings historical past. Merely Protected Dividends additionally created a timeliness metric that compares the five-year historical past dividend yield vary and the place the present yield falls in that vary.

The information is solely centered round all issues associated to the dividend, so there isn’t any digging or filtering concerned to get to that info. For self-directed dividend traders, the analysis out there from Merely Protected Dividends might be actually useful.

Dividend Screener

The Dividend Screener allows you to seek for dividend shares by sector, dividend yield, Dividend Security Rating, annual dividend improve streak, and extra. You’ll be able to kind the outcomes by Dividend Security Rating or yield, making the outcomes very actionable. The screener is a superb instrument for locating the very best high-yield dividend shares which can be additionally rated as reasonably secure.

Merely Protected Dividends Pricing

Merely Protected Dividends prices $499 per yr. You’ll be able to check out the software program free for 14 days and there’s a 60-day money-back assure after you join.

So long as you retain your subscription, your price is locked-in for all times. This can be a good perk contemplating we’ve seen the worth improve by $100 per yr since writing our preliminary overview.

Who’s Merely Protected Dividends Finest Suited For?

Merely Protected Dividends is good for retirees, passive long-term traders, and even Millennials curious about revenue investing. It’s all about discovering dependable dividend shares, with little or no consideration paid to cost appreciation or diversification.

In case you have a shorter-term funding horizon or you might be on the lookout for development shares, it’s possible you’ll be higher off with a inventory selecting service like Motley Idiot Inventory Advisor. That mentioned, many traders, together with youthful traders, may gain advantage from having a development portfolio constructed utilizing Inventory Advisor and a dividend portfolio constructed utilizing Merely Protected Dividends.

Merely Protected Dividends’ $499 per yr price ticket is honest contemplating how distinctive and actionable this service is. Nonetheless, the reasonably excessive value makes the service extra worthwhile for traders with larger portfolios. We at all times like to think about service pricing relative to the funding efficiency wanted to recoup the price of the subscription payment. For instance, an investor with a $5,000 portfolio would want to generate an additional 10% yearly to recoup the payment, whereas an investor with a $100,000 portfolio would solely must generate an additional 0.5% (which is rather more possible).

Alternate options to Merely Protected Dividends

Merely Protected Dividends has one main competitor: Dividend.com. This can be a nice service for locating dividend shares, however it’s so much much less easy than Merely Protected Dividends. There’s much more effort concerned to search out dividend inventory picks and it’s not very pleasant for first-time traders.

On the plus facet, Dividend.com gives lots of info without spending a dime and plans begin at solely $99 per yr. So, it may be a very good various to Merely Protected Dividends for traders with smaller portfolios.

It’s additionally price remembering that whereas different funding analysis companies aren’t as centered on dividends as Merely Protected Dividends is, many do supply evaluation and screening instruments primarily based round dividends. For instance, Morningstar Premium and Zacks Premium each assist you to filter shares by dividend yield when utilizing their screeners. These platforms additionally present rather more element in regards to the firms behind the dividends and may also help you establish shares that supply each value appreciation and dividend potential.

Execs

Handy one-stop platform for managing dividend portfolios

Earnings Calendar exhibits when to count on revenue from dividend payouts

Dividend Security Rating is a superb metric to steadiness dividend portfolio threat

Loads of concepts supplied by means of in-house analysis and e-newsletter

Three mannequin portfolios that customers can comply with

Screener instrument finds some below the radar dividend shares

Straightforward-to-use and comply with for newbies to seasoned self-directed traders

Cons

Little or no deal with sector or geographic diversification

Pricing could also be prohibitive for smaller accounts