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Dividend strategy

Skill tusharagg1/aifolimizer/.claude/skills/dividend-strategy

Harvard Endowment-style dividend income analysis - yield, payout-ratio safety, DRIP projection, and tax-account placement for income holdings. Use when the user asks about dividends, passive income, DRIP, yield, payout ratio, dividend safety, or "what should I hold for income?".From its SKILL.md

Install
npx -y skills add tusharagg1/aifolimizer --skill dividend-strategy

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

One thing to look at

  • 2 stars2 stars. Stars are a popularity signal and not a quality one, but at this level it is likely that nobody has read this closely except its author, and you would be relying on your own review.

SKILL.md

4.8 KB, as published. Nobody here has run it

Dividend Strategy (Harvard Endowment style)

Stage 0 - Decision Memory (load FIRST)

Before analysis, load prior decisions so verdicts stay consistent across sessions:

  • mcp__aifolimizer__get_cross_ticker_lessons with max_lessons=3 - portfolio-level win/loss patterns
  • For any name you issue a per-ticker BUY/SELL/TRIM/HOLD on, also load mcp__aifolimizer__get_ticker_decision_history (ticker=…, max_decisions=5) and mcp__aifolimizer__get_ticker_reflection (symbol=…, n=3).

Reconciliation rule: if a prior decision exists and your new read flips it, state explicitly WHY it changed (new data / catalyst / price move). Never silently contradict a logged decision - that drift is exactly what this prevents.

How to run

  1. Call mcp__aifolimizer__get_profile - account types and cash balances. TFSA/RRSP/Non-Reg placement determines dividend tax treatment
  2. Call mcp__aifolimizer__get_personal_context - province, marginal tax rate, account waterfall, FHSA. Grounds §6 tax-placement (which payer in which account) and after-tax yield. If present=false, flag placement advice as generic and suggest profile-setup
  3. Call mcp__aifolimizer__get_portfolio - identify dividend-paying holdings
  4. Call mcp__aifolimizer__get_fundamentals with symbols=[] (top 15 by weight) - extracts dividend_yield, payout_ratio, dividend_growth_streak, eps_ttm for all holdings
  5. Use MCP data as primary source for yield, payout ratio, dividend growth streak
  6. WebSearch only for: specific DRIP calculator projections and new dividend stock recommendations not in current portfolio
  7. Before recommending any NEW dividend name as an initiate/BUY (§4), call mcp__aifolimizer__get_positioning_signals with symbols=[candidate tickers]. If crowding_score >= 70 the name is consensus-crowded (late entry = negative expected alpha) - defer the add or pick a less-crowded payer with comparable yield/safety; favor crowding_score <= 30 when the dividend is safe

Investor profile

  • Canadian retail investor
  • Dividend investing is one pillar (not whole portfolio)
  • Account types and capital: always read from get_profile - never hardcode
  • TFSA: dividends tax-free (Canadian stocks ideal here)
  • RRSP: avoids 15% US withholding on US dividends (US dividend stocks ideal here)
  • Non-Reg: Canadian dividends get dividend tax credit; US dividends fully taxable

Output structure

  1. Per current dividend holding: yield, dividend safety score (1-10), payout ratio, consecutive years of growth
  2. Unsustainable dividend flags - payout ratio >80% or declining earnings
  3. 10-year DRIP reinvestment projection for current dividend holdings (show math)
  4. 5 new dividend stock recommendations (Canadian or US, with tickers + yield)
  5. Sector diversification of dividend income - flag concentration
  6. Tax placement recommendations - which payers belong in TFSA vs RRSP vs Non-Reg
  7. Projected annual dividend income from current + recommended adds
  8. Ranked list from safest to highest-yield

After output - log decisions

For each new ticker recommended (initiate) AND any existing holding flagged unsustainable (TRIM/EXIT), call mcp__aifolimizer__log_recommendation with skill="dividend-strategy" (the param is skill, not skill_used - that belongs to log_trade_decision), ticker, action (BUY/HOLD/TRIM/SELL), conviction (HIGH/MED/LOW), target_pct + stop_pct (% from entry - the schema takes percentages, not absolute prices; entry is logged live at call time), rationale 1-line (yield + safety + tax placement). Feeds forward win-rate / track-record loop.

Rules

  • Format as dividend blueprint with income projection table
  • Under 500 words
  • Always factor in actual account types from get_profile

Gotchas

  • payout_ratio negative or >100% when EPS negative or near zero - flag as "unmeaningful", do NOT label dividend "unsustainable" purely from ratio.
  • dividend_growth_streak from yfinance breaks on corporate actions (splits, spinoffs, ticker changes) - verify via WebSearch for any streak claim ≥10 years.
  • US dividends in TFSA incur 15% non-recoverable withholding tax - TFSA-specific cost user often misses. Always call out.
  • RRSP exempts US-listed US dividends from withholding only via US-Canada treaty; CDN-listed US-business ETFs (e.g. VFV) do NOT qualify - they leak 15%.
  • Canadian dividend tax credit only applies to eligible dividends from Canadian corps; REIT distributions and US dividends do not qualify.
  • DRIP projections assume constant yield and reinvestment price - state assumption, do NOT present as forecast.

Keep looking

Skills are one crate of 627,801. Ordering is by how many stacks a row turns up in, so the top of any crate is what has actually been picked rather than what has the most stars.