The Manifesto
We are not here to sell you the next "hot stock."
We are here to save you from it.
The Great Income Deception
The financial internet is broken. If you search for "high yield ETFs," you are bombarded with content designed to do one thing: Get you to click on an affiliate link.
Influencers and algorithms push the highest numbers (50% yield! 80% yield!) because those numbers get clicks. They don't tell you that the fund has eroded 40% of its value in six months. They don't explain that your "income" is just your own principal being returned to you, minus a fee.
This isn't investing. It's wealth destruction disguised as cash flow.
Our Research Methodology
DivAgent exists to be the Auditor of the income world. Our "Research Team" isn't a single person—it's a consensus engine built on data.
Every article and rating is backed by our Strict Editorial Standards:
- Zero Affiliate Bias: We do not accept payment from ETF issuers to promote their funds.
- Data-First Verdicts: Opinions are secondary to Total Return and NAV performance metrics.
- The "Sleep Well" Test: We only recommend strategies that prioritize capital preservation over yield chasing.
*Financial Disclaimer: Content is for educational purposes only and does not constitute individual investment advice.
Our Core Principles
1. Transparency Over Hype
The financial industry thrives on opacity. They invent complex terms to hide simple truths. We believe in radical transparency. When we analyze a fund, we strip away the marketing jargon to show you exactly how the return is generated—whether it comes from genuine corporate earnings, option premiums, or destructive return of capital (ROC).
2. Capital Preservation First
Rule #1 of investing: Don't lose money. Rule #2: Don't forget Rule #1. Many "income" strategies violate this by slowly eating your principal. Our proprietary NAV Erosion tracking model is designed to alert you before your portfolio passes the point of no return. We prioritize the safety of your nest egg above all else.
3. Data, Not Opinions
We don't make "picks" based on gut feelings. Our 5-Tier Risk Spectrum is a quantitative framework built on volatility, drawdown history, and option skew data. Every rating is mathematically derived, ensuring consistent, objective analysis that you can trust for your retirement planning.
4. Actionable Intelligence
Information without action is noise. We don't just dump charts on you; we provide clear, actionable verdicts. ("Buy," "Hold," "Sell," "Avoid"). We build tools like the Snowball Projector and Tax Drag Calculator to help you make decisions, not just consume content.
What We Are Not
To understand DivAgent, you must understand what we stand against. We are not a "get rich quick" scheme. We are not a platform for day traders or penny stock gamblers.
- ✕We are NOT a "Signal Service" promising 1000% returns on crypto or options.
- ✕We are NOT a Robo-Advisor that takes custody of your assets. You stay in control.
- ✕We are NOT a "Pumper". We often write critical, bearish reviews of popular funds.
- ✕We are NOT a replacement for your certified financial planner (CFP).
Our 3-Step Audit Process
Every asset listed on DivAgent undergoes a rigorous forensic audit before it receives a rating. This process is designed to expose hidden risks that standard screeners miss.
Structure Analysis
We examine the prospectus. Is it an ETF, ETN, or CE? Does it use leverage? What is the cap on upside? We define the structural "rules of the game" first.
Income Stress Test
We calculate the "Coverage Ratio." Can the underlying holdings generate enough cash to pay the dividend? If coverage is below 100%, a cut is inevitable.
Total Return Verification
We backtest performance including dividends reinvested. A 10% yield means nothing if the share price drops 15%. Total Return is the only arbiter of truth.
Join the $1 Billion Mission
We are building a community of investors who track over $1 Billion in verified, sustainable dividends. Stop gambling. Start building.