1. The Yield Chaser
Motto: "If it pays less than 10%, I'm not interested."
Favorite Tickers: TSLY, NVDY, ORC, ZIM
Risk: Extreme. Often falls into "Yield Traps" where NAV erodes faster than dividends are paid.
The Yield Chaser is addicted to the dopamine hit of massive payouts. They often ignore total return and NAV erosion. They are essential for a specific part of the market (Income Accelerators), but dangerous if this is 100% of your portfolio.
2. The Safe Harvester
Motto: "Rule #1: Don't Lose Money."
Favorite Tickers: SCHD, VIG, O, KO, JNJ
Risk: Low. Prioritizes capital preservation and dividend consistency over decades.
Usually retirees or conservative accumulators. They sleep well at night. They might underperform a bull market, but they never worry about their income stream being cut.
3. The Growth Compounder
Motto: "Yield on Cost is all that matters."
Favorite Tickers: DGRO, V, MA, MSFT
Risk: Moderate. Accepts 1% yield today for 10% yield in 20 years.
The Compounder understands the magic of "Dividend Growth Rate". They are playing the long game. They don't need income today; they are building a dynasty for tomorrow.
4. The Cash Flow Tactician (Wheel Strategist)
Motto: "Why buy it when I can sell a put on it?"
Favorite Tickers: JEPI, JEPQ, DIVO, SPYI
Risk: Moderate-High. Uses options (or ETFs that use options) to extract extra yield from flat markets.
This investor realizes that dividends are just one form of cash flow. Option premiums are another. By combining them, they smooth out volatility and boost monthly income.
5. The Tax Optimizer
Motto: "It's not what you make, it's what you keep."
Favorite Tickers: VTEB, MUB, QQQI (Section 1256), MLPs
Risk: Varies. Obsessed with Asset Location and tax-efficiency.
Usually High Net Worth individuals. They hate ordinary income tax. They love Qualified Dividends, Return of Capital, and Municipal Bonds.
Which One Are You?
Most successful investors are a Hybrid. For example, the "Barbell Strategy" combines the Safety of the Harvester with the Yield of the Chaser.
DivAgent was built to help you Audit your portfolio to ensure your actual holdings match your desired personality. If you think you are a "Safe Harvester" but 50% of your money is in YieldMax funds, you have a problem.