DivAgent Guide

The Systematic Framework for Dividend Portfolio Construction

Most dividend investors pick ETFs by yield and intuition. The Risk Spectrum Constructor replaces that with a five-tier classification system — each tier defined by risk profile, income characteristics, and position sizing rules — plus five model portfolios from conservative to aggressive income.

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What Intuition-Based Dividend Investing Gets Wrong

Without Tier Limits, High-Octane Positions Erode the Portfolio

The 15% Tier 5 maximum isn't an arbitrary rule — it's derived from income volatility data. Portfolios exceeding it showed 2.3x higher income volatility with only 1.1x income increase.

Discretionary Allocation Underperforms Systematic Tier Weighting

Investors who chose holdings by yield and conviction consistently underperformed systematic tier-weight allocations in backtests. The framework beats the gut call.

Knowing What to Buy Is Step One — Rebalancing Triggers Are Step Two

The Rebalancing Rules and Monitoring system in Chapter 8 is what makes a portfolio durable over years. Without it, you're flying without instruments.

Tier 1–2 Only May Not Generate Enough Income

A purely conservative Tier 1–2 portfolio may fall short of your income target. A calibrated Tier 3 addition adds 1.8% yield with minimal NAV risk at the right allocation weight.

What's Inside

What's Inside

Chapters marked Most Relevant are specifically applicable to your situation.

1
Risk Spectrum Philosophy

Why systematic tier-based construction outperforms intuition-based picking.

2
Tier 1: Cornerstone Holdings

SGOV, BIL, T-bills — the foundation every income portfolio needs.

7
5 Model Portfolios

Conservative (Tier 1-2), Balanced (Tier 1-3), Income (Tier 2-4), Aggressive (Tier 2-5), FIRE Bridge (Tier 3-4).

8
Rebalancing Rules & Monitoring

When to rebalance, what triggers a tier reassignment, quarterly review cadence.

6.8% yield, 0.3% NAV change

The Tier 1–3 Conservative Model Portfolio averaged 6.8% yield with 0.3% annual NAV change over 3 years — income without the principal erosion that comes with undisciplined tier mixing.

Is This Guide Right for You?

This guide is for you if...

  • You want a structured framework for combining dividend ETFs across risk tiers — not a buy list
  • You want exact allocation percentages for each risk profile, with model portfolios you can use directly
  • You want a rules-based rebalancing trigger system that removes discretion from hold/trim/exit decisions
  • You hold or are evaluating ETFs across multiple tiers and need a principled way to size each

This guide is NOT for you if...

  • You want a simple single-ETF recommendation with no portfolio construction framework
  • You're a pure index investor with no interest in income-generating ETF allocation
  • You only need individual stock analysis rather than ETF-based portfolio construction rules

Build a Dividend Portfolio With Systematic Tier Discipline — Not Guesswork

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Institutional-grade analysis. If it doesn't change how you evaluate dividend investments, we'll make it right.

Used by 5,000+ dividend investors constructing income portfolios across all 5 tiers

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