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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: mykesc2020 who wrote (21325)	10/16/2025 12:38:47 AM
From: mykesc2020	Respond to of 22546

"5%, 5% DG, last 3 years" - So, I went thru the Schwab screen in depth tonight. The screen was: "4%-5% yield, 3-year average 5% dividend growth". The 3-year "average" is where this screen falls apart. Nevertheless, I sorted by yield, started with the highest 5%-er and looked at SA data, plus company website data when I was skeptical of the SA data. The screen returned 39 companies, about 20 or so above 5%. I could only find one (1) that I was actually interested in, even tho it didn't strictly adhered to the rules I was after. I felt like I could still add to my watchlist. It was: PFIS - Peoples Financial Services Co. -CCC member - 8-year streak -Yield 5.16% (as of today) -Last 3 dividend increases, 51%, 5.1%, 5.4%. The very large last divided increase was the downfall of the "3-year average" part of the Schwab screen in general. I am not really interested in a company that increases its dividend once at large amount for some "reason" and then just reverts back to a 1%, 2%, 3% history. -Net income Q2-25, $1.68, quarterly dividend .6175, so coverage seems good. -ROE Q2-25 13.9 -TBV Q2-25 $38.75 Liquidity is an issue here. Per SA, the average volume is 21K, so thinly traded. It's a small Pennsylvania bank and they just merged with another it seems and that might be why the last large dividend increase. Not enough DD yet to know. I reviewed their last earning presentation and it looks impressive. Key metrics for a bank seem to be going in the right direction. Links to its dividend history (IR page) and the last earning presentation are below if interested. I added it to my watch list but I can in no way recommend it other than a watchlist/DD project. Their next dividend announcement should be at the end of this month so I will watch that because they have been on the same dividend amount (.6175) for five quarters in a row so thats a concern for me already. ir.psbt.com s203.q4cdn.com PS: I should say, VICI (which I own) and BMY (which I also own) showed up on the screen. TGT (which I don't own) did too, but their last 3 year raises were sub 2% so not sure what the Schwab screen is doing underneath.

To: mykesc2020 who wrote (21325)	10/16/2025 8:21:31 AM
From: jritz0	10 Recommendations Recommended By cajman1 chowder daveS13 Figgie livwell and 5 more members Read Replies (1) \| Respond to of 22546

RE: I'd be interested if JRitz knows of an ETF that can satisfy the 5%, 5% desired outcome. My answer will probably piss of a few DGI investors but here is why I no longer use DGI: I can buy an equity/option fund that pays anywhere from 8-12%. It would take a stock with the criteria of 5% yield, 5% dividend growth 18 years to match a 12% paying fund. Someone could live on 5-8% and reinvest the remaining 4-7% to insure they are buying more income and not destroying nav. QQQI pays about 13.5% and SPYI pays 11.7% if you believe in SSD's numbers. I happen to own a couple of defensive funds that use puts to protect the downside. KHPI is designed to protect the downside after SPY has dropped 5% and will protect all the way down to -20%. SPYH is designed similarly but the initial drop would be larger but it protects further to the downside. It seems to me that someone is pigeonholing when the criteria of a stock selection have to meet 5%, 5%, there are not a lot of investable companies that pay that. I'm investing in SP500 and QQQ in which the general direction is always higher in the long run. That can't be said about all stocks. Even QDPL (the best fund I found for reasonable growth and income) pays around 5% currently. It will pay 4x SPY and I don't concern myself with the dividend growth because the underlying asset (SPY) typically grows and QDPL will be paying 4x on the higher SPY price. This is what works for me and I like the simplicity and monthly cashflow. I can see the merits of DGI if that is what people are comfortable with. Please don't shoot the messenger :)

To: mykesc2020 who wrote (21325)	10/16/2025 12:35:23 PM
From: DoctorRicky	3 Recommendations Recommended By chowder eaglebear mykesc2020 Respond to of 22546

Thank you. The two stocks that i own that meet your criteria, both full positions, are POR & CNQ. CNQ is a Canadian stock so best owned in a nontaxable IRA. As an older person I focus on yield first and then growth. I like a Chowder number above 10 - though in this market that’s challenging to find. I do own some high dividend stocks with little or no growth - ENB, MO. In the last eighteen months have been nibbling on high growth stocks.