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DividendShield: Monthly Curated Stock List + Quarterly Rebalance Service

A subscription service that delivers a hand-curated list of 15–20 dividend stocks monthly, ranked by a proprietary scoring model that weights yield (4–6%), payout ratio safety (<70%), 5-year dividend growth rate, and volatility-adjusted total return. Each stock includes a 1-page thesis explaining why it fits the current macro environment, when to sell it, and what to watch. Quarterly, the service sends a rebalance memo if market conditions shift (e.g., rate hikes, sector rotation), with specific 'sell if X happens' triggers.

SERVICE

33 weeks • 70% confidence

Value Proposition

Removes the paralysis of choice and the risk of yield-chasing garbage stocks. Investors get a pre-vetted, seasonally-adjusted portfolio they can act on in 10 minutes, with clear sell signals so they don't hold losers. Beats generic financial advice (too vague), beats robo-advisors (which don't focus on dividend income), beats financial advisors (expensive, slow, generic).

Target Audience

Individual investors with $50k–$500k portfolios, aged 45–65, seeking passive income; too busy or unskilled to do deep fundamental analysis themselves.

Key Features

  • Monthly stock list ranked by custom safety + yield + growth score
  • One-page thesis per stock with macro context and sell triggers
  • Quarterly macro-adjusted rebalance memo (not just a list, but reasoning)
  • And more, with full implementation detail...

Tech Stack

Python (pandas, numpy for data processing and backtesting) Yahoo Finance API + SEC Edgar API (for stock data) Stripe (billing) ConvertKit or Substack (email delivery and list management)
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Original Problem

Investors struggle to identify which dividend stocks will actually outperform in volatile market conditions

Individual investors lack reliable frameworks to select dividend stocks that balance yield, safety, and growth potential, leading to poor portfolio decisions and missed returns. Current financial advice is either too generic, outdated by publication, or requires deep fundamental analysis skills most retail investors don't possess. They need actionable, specific stock recommendations they can trust to generate consistent income without excessive risk.

Score: 17.5%