About the Methodology

The Philosophy

Our methodology focuses on investing in essential services with predictable cash flows to build long-term passive income streams.

The philosophy is simple: identify high-quality companies that provide essential services (utilities, banks, food, telecommunications, infrastructure), analyze their fundamental strength, and determine if temporary market conditions create attractive buying opportunities.

Building Your Pension

Dividend investing is ideal for building a private pension. Unlike real estate (which requires active management, has maintenance costs, and is illiquid), dividends offer passive income, instant liquidity, and geographic diversification—without 3 AM calls about leaky pipes.

→ Read our complete Strategy Guide

The Four-Quadrant Model

We classify each stock into one of four quadrants based on two dimensions:

Quality Score (0-100): Evaluates the fundamental business strength, competitive advantage, and dividend sustainability
Opportunity Score (0-100): Evaluates current valuation, whether the price reflects a temporary or permanent problem, and recovery potential

The current thresholds are: Quality ≥ 70 and Opportunity ≥ 50. Companies meeting both criteria are considered buying opportunities.

🟢 BUY

High quality + High opportunity

🟡 WATCH

High quality + Low opportunity

🔴 TRAP

Low quality + High opportunity

⚫ TRASH

Low quality + Low opportunity

The Method

We use AI-enhanced fundamental analysis to evaluate multiple parameters simultaneously. Our AI processes over 50 fundamental metrics, historical data, and sector context through carefully engineered prompts that follow our dividend investing strategy.

AI acts as a powerful analytical tool, identifying patterns across thousands of companies that would take years to process manually. As AI models evolve, our analysis continuously improves, recognizing more subtle patterns and deeper connections in fundamental data.

Every published stock is curated based on strict quality and opportunity criteria. We verify key fundamental data against official sources to ensure accuracy.

Disclaimer: This information is for educational purposes only and does not constitute financial advice. Always do your own research before making investment decisions.