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    Investing· Reviews· Stocks

    Sure Dividend Review: Is it Worth the Cost?

    By Retire Before Dad

    This page may contain links to our partners. RBD may be compensated when a link is clicked. See the full disclosure here.

    Sure Dividend review logoThis Sure Dividend review was updated on 01/18/2021.


    Sure Dividend is an investing blog and paid newsletter service that focuses on dividend and income investing.

    When the Sure Dividend blog started in 2014, it built a significant audience by providing in-depth analyses of stocks on the Dividend Aristocrats list.

    The Aristocrats are stocks in the S&P 500 index that have paid and increased dividends for the past 25 years or more. 

    Sure Dividend has expanded its research circumference to more than 600 stocks and now offers multiple paid newsletters providing stock recommendations for income investors. 

    Unlike popular newsletters such as Motley Fool Stock Advisor, Sure Dividend favors dividend security, dividend growth, and total return, rather than disruptive growth stocks. 

    The Sure Dividend Newsletter is its cornerstone paid offering and has more than 8,000 monthly subscribers. It’s the primary focus of this Sure Dividend review. 

    I’ve been a paying subscriber for more than three years now. I use the service to help narrow the universe of dividend stocks that I consider for my portfolio.

    It’s worth the cost to me. This article explains why. 

    Other paid services include the Sure Dividend Retirement Newsletter, the Sure Dividend Passive Income Newsletter, and the Sure Analysis Research Database.

    The Morning Dividend is a free email that goes out to more than 150,000 subscribers every business day, highlighting the latest blog posts, dividend news, and interesting investment articles from the previous day. 

    Sure Dividend has grown from a humble blog to one of the most recognized newsletters for income-focused investors. 

    Table of Contents

    • Who Is Sure Dividend For?
    • Sure Dividend Review: Dividend Newsletter Walkthrough
      • Sure Dividend Newsletter Pricing
      • Opening Thoughts
      • The Sure Dividend Top 10 List
      • Analysis of Top 10 Securities
      • Closing Thoughts
      • Real Money Portfolio
      • Buying & Ranking Criteria
      • Portfolio Building Guide
      • Past Recommendations & Sells
      • List of Securities by Dividend Risk Score and by Sector
      • Pros: Sure Dividend Newsletter
      • Cons: Sure Dividend Newsletter
    • Other Products and Services By Sure Dividend
      • The Morning Dividend Email List
      • The Sure Analysis Research Database
      • The Sure Dividend Retirement Newsletter
      • The Sure Dividend Passive Income Newsletter
    • Sure Dividend Review: Is it Worth the Cost?

    Who Is Sure Dividend For?

    Sure Dividend’s target audience is investors looking to build passive income through dividend stocks.

    These investors tend to be closer to retirement age (50+), but the service may also appeal to younger long-term dividend investors interested in passive income. 

    Market Index funds are sufficient for most people — investors do not need to buy individual stocks. 

    However, the total market and blue-chip index funds typically yield below 2%. Government bond yields are minuscule.

    So for those looking to increase the income yield on their investment dollars, buying individual dividend stocks can do the job. 

    Therefore, the Sure Dividend Newsletter and other products are best suited for those looking beyond index funds and bonds to generate reliable retirement income and dividend growth.

    Sure Dividend Review: Dividend Newsletter Walkthrough

    The Sure Dividend Newsletter is a 50+ page PDF sent to your email every month. The newsletter arrives in the morning on the first Sunday. 

    When I receive mine, I usually read the opening article, check out the Top 10 List, then flag the email and come back to it when I’m researching stocks at my computer. 

    Each month, the newsletter contains ten stock recommendations and more than 600 dividend security and risk rankings.

    In this section, I’ll quickly go over pricing, then walk through the monthly newsletter. 

    Note: Screenshots are taken from the August 2020 version of the newsletter to avoid revealing recent proprietary information. The data is somewhat outdated, but you’ll see how the newsletter is structured. 

    Remember, you can try the newsletter for a 7-day trial to get the latest version and cancel if you don’t like it. You won’t be charged until after the 7-day trial is complete. Cancel any time.

    Sure Dividend Newsletter Pricing

    The regular price is $159. RBD readers pay $118 per year, which will never increase. 

    Start your 7-Day Free Trial

    Please note: RBD is an affiliate partner with Sure Dividend. If you sign up for a service using links on this page or use the Sure Dividend coupon code RBD41off, RBD will be compensated. 

    Opening Thoughts

    Each monthly edition begins with an opening article about current market conditions, dividend investing basics, advanced analysis, or a look at historical data.

    Most have a chart or data table included. 

    Some Opening Thoughts articles from 2020 include:

    • The Dividend Kings & COVID-19
    • Buying When Others Are Selling
    • Did the U.S. Stock Market Underreact to the COVID-19 Pandemic?
    • Why Invest In Dividend Stocks?
    • Examining Our Sell Recommendations
    • The Market’s Valuation Now
    • On Payout Ratios

    These are insightful and no more than 400 words — easy to absorb Sunday morning. 

    The Sure Dividend Top 10 List

    The next section is undoubtedly the most popular, the Sure Dividend Top 10 List. 

    Here’s how it looks. Note: These recommendations are from August 2020 and shown for illustrative purposes. 

    Sure Dividend Review Top 10 August 2020

    Some of the key fields in the Top 10 List include:

    • Dividend Risk Score – A proprietary rating on dividend safety
    • Dividend Yield
    • Payout Ratio – A favorite metric for dividend investors, the percentage of earnings paid to shareholders
    • Expected Growth – The expected annualized dividend growth rate
    • Expected Total Return (ETR)

    Some of these values are actual (e.g., price, yield); others are derived from data and analysis (e.g., ETR).

    At the bottom, there’s an equal-weighted Top 10 List comparison to owning the S&P 500 via SPY.  

    Sure Dividend Top 10 vs. S&P 500

    If you follow the Sure Dividend investing method over time, you can expect to earn a higher dividend yield than the SPY. Expected returns are no guarantee of future results. 

    The Top 10 List is an excellent place to start if you’re looking for new investment ideas. Pick your favorite and complete due diligence, or follow the Portfolio Buying Guide (below) to diversify your portfolio over time. 

    Analysis of Top 10 Securities

    The next section is a deep dive into each of the Top 10 List stocks, usually three pages long per recommendation. The deep dive includes a narrative, financial statement data tables, and a dividend yield history chart.

    That’s 30 pages of analysis. 

    For this section, the screenshots come from the August 2020 edition Walgreens Boots Alliance (WBA) recommendation.

    Analysis Narrative

    The analysis begins with a page-long narrative which includes

    • Overview & Current Events
    • Competitive Advantages & Recession Performance
    • Growth Prospects, Valuation, & Catalyst

    The narrative explains the conviction, which includes quantitative and qualitative data points. 

    At the bottom, there’s a data table with key statistics, ratios, and metrics to support the conviction. Here’s the table for the Walgreens Boots Alliance in the August 2020 edition. 

    Financial Data Tables

    Next are three tables displaying ten years of data. The tables are Income Statement metrics, Balance Sheet metrics, and Profitability and Per Share metrics. 

    I don’t use these tables much for my research, but I find them interesting to see long-term trends (click or tap to enlarge).

    Dividend Yield History Chart

    Finally, for each stock in the Top 10 List, there is a dividend yield history chart. I like this chart because it shows, in one view, the correlation between price and yield.

    Recommendations often point to a recent divergence, which may be indicative of a value opportunity.

    When the price goes down, the yield rises, a fundamental dividend investing concept.

    Dividend investors can achieve higher yields by seeking lower prices, maximizing income from investment dollars when the stocks are toward low historical valuations. 

    Combined with dividend safety, qualitative analysis, and many of the metrics laid out in the data table, investors can build confident positions that are likely to continue to pay and grow dividends over time. 

    Closing Thoughts

    The Closing Thoughts page is similar to opening thoughts. They are sometimes longer but often contain a chart to support the story.

    Every month, the Closing Thoughts section finishes by announcing when the next issue will reach your email inbox and an investment advice disclaimer. 

    Real Money Portfolio

    In the January 2019 edition of the Sure Dividend Newsletter, the service started a real-money portfolio to buy their recommendations and track the performance over time. 

    Each month they invest $1,000 in the highest-ranked security in the Top 10 List that they either don’t own or own the least amount. 

    The real-money portfolio is designed to show the progress of building and maintaining a dividend growth portfolio using the Sure Dividend Method. 

    They do not buy stocks that push the portfolio over 30% in any one sector to prevent over-concentration and maintain diversification. 

    The portfolio will hold 30 securities max. Once the portfolio reaches 30 securities, it will buy the highest-ranked security already in the portfolio, up to 10% of its value.

    Sell criteria are the same as recommendations in the newsletter. 

    Dividend investing is often more about income than total return.

    The yield and value of the portfolio holdings are highlighted clearly, but it does not compare annualized returns to the S&P 500 returns over the portfolio’s life.

    Better performance data to include portfolio compound annual growth rate (CAGR) would be an area for improvement for this section. 

    Buying & Ranking Criteria

    The Buying & Ranking Criteria page has been consistent over many editions of the Sure Dividend Newsletter.

    Here’s how Sure Dividend chooses its Top 10 List:

    1. Filter our Sure Analysis Research Database universe of securities for:
      • 10%+ Expected Total Returns
      • A & B Dividend Risk Scores
      • U.S. securities only (no international securities, REITs, MLPs, or BDCs, etc.)
      • All companies must have their dividend covered by cash flows
    2. Sort by Expected Total Returns (highest first)
    3. No more than three companies per sector
    4. Veto any securities from the Top 10 List as necessary after qualitative analysis
    5. The Top 10 List is the 10 highest Expected Total Returns securities from steps 1 through 4
    6. “A” Dividend Risk Score securities rank ahead of “B” Dividend Risk Score securities within the Top 10 List

    To receive an “A” Dividend Risk Score, a security must be in the top 20% for dividend safety. To receive a “B” Dividend Risk Score, a security must be in the top 40% for dividend safety.

    The formula for the Dividend Risk Score is below:

    Dividend Risk Score (Raw) = Payout Ratio x 100 – # Years of Steady or Rising Dividends + 50

    We view securities with “A” and “B” Dividend Risk Scores as generally having secure dividends that are very unlikely to be reduced in the near future.

    Portfolio Building Guide

    I use the Sure Dividend Newsletter for idea generation and the risk rankings. But the service also offers a buying guide for investors looking for a basic strategy to buy recommended stocks. 

    The strategy is simple. 

    Buy the top-rated stock in the Top 10 List that you don’t currently own. If you already own all ten, buy the stock you own the least.

    Here’s the illustration for August 2020:

    Past Recommendations & Sells

    The next section contains a large table with the sold and unsold previous recommendations from the past 6+ years. Performance is measured against the S&P 500 using the SPY index ETF. 

    This table gives a clear view of how the individual recommendations have performed by Total Return and CAGR. It also includes an updated dividend risk score and 5-year expected returns. 

    Regarding sales, the Sure Dividend Newsletter has two sell rules. 

    Sell Rule #1 — Dividend-Based Sell Rules: Any past recommendation that reduces or eliminates its dividend is automatically a pending sell. We review and analyze these securities to determine when to initiate the final sale. Secondly, any past recommendation with an “F” Dividend Risk Score is reviewed as a potential sell.

    Sell Rule #2 — Valuation-Based Sell Rules: Sell past recommendations with expected total returns below the expected total returns of the S&P 500 over the next several years. This sell rule replaces our previous valuation-based sell rule of selling securities with an adjusted P/E ratio of 40 or higher.

    Newsletter authors issue a “pending sale” for stocks before issuing a final sell recommendation. After a stock has a pending sale, they advise waiting for a reasonable exit price, closer to fair value. 

    Sell recommendations are one area I find to be less aligned with my dividend investing strategy.

    Looking over the list of recent sales, I see several high-quality dividend growth stocks and Dividend Aristocrats that I still own and have appreciated significantly since the sell date.

    I won’t cherry-pick the list. But in general, as someone who aims to own high-quality companies for decades, I use the sell recommendations as another data point in my portfolio maintenance analysis, but I do not follow it.

    The Sure Dividend Passive Income Newsletter focuses more on buy-and-hold forever stocks. 

    List of Securities by Dividend Risk Score and by Sector

    The Dividend Risk Score section lists all 600+ stocks in the Sure Dividend Research Database and ranks them. 

    It groups stocks into five risk ratings, A, B, C, D, and F. 

    The top 120 safest stocks are in group A. The next 120 safest stocks are in group B, and so on. 

    Within each group, the list is sorted by Expected Total Returns. These rankings don’t necessarily align with the Top 10 List, which considers sectors and qualitative analysis. 

    The next section breaks the rankings a step further, by sector. 

    The sector lists help generate investment ideas for safe stocks if you’re looking to bulk your portfolio’s exposure to a specific sector.

    Pick a sector and choose a low-risk stock for further research. Or search the PDF for any dividend stock symbol to find where it ranks among similar companies. 

    The eleven sectors are:

    • Basic Materials
    • Communication Services
    • Consumer Cyclical
    • Consumer Defensive
    • Energy
    • Financial Services
    • Healthcare
    • Industrials
    • Real Estate
    • Technology
    • Utilities

    Pros: Sure Dividend Newsletter

    The Sure Dividend Newsletter is a supplemental research tool. Use it to avoid investing alone, but don’t solely rely on it for stock purchases.

    Like any recommendation or newsletter, it’s not a replacement for due diligence. 

    If you’re investing thousands of dollars a year in individual stocks, it helps to have a second opinion beyond free internet content. 

    The Top 10 List is the premium content. It highlights the cream of the crop, narrowing your search for investable new holdings.

    Sure Dividend uses a structured rules-based approach, so you don’t have to build your own methodology to find new ideas.

    The Dividend Risk Score is another pro because any time you are looking to buy a high-quality dividend stock, it’s likely in the 600+ list.

    Check the risk score before deploying capital. If it’s below a C, you may find a more suitable best-of-breed stock in the same sector. 

    Finally, the Sure Dividend team consists of multiple finance writers who do this for a living, bringing you insightful articles from different perspectives that are easy to digest. 

    Cons: Sure Dividend Newsletter

    The sell rules have been a bit aggressive for my taste since late 2018. Successful dividend investors hold for decades, not years. They do not like selling excellent companies, even if they’re going through tough times. 

    It appears Sell Rule #2 was recently updated, so we’ll see if they continue to recommend selling top-notch stocks due to high valuations. 

    In the Analysis of Top 10 Securities, the financial data table is a data dump rather than an additional analysis. Though it’s interesting to view trends, the Analysis Narrative and Dividend Yield History Chart are more useful. 

    Finally, I’d like to see better performance transparency on the Real Money Portfolio section. This would tell a new investor if following their portfolio building strategy is working.

    Later in the newsletter, individual stock recommendation price performance data is listed, but not as much for the Real Money Portfolio.

    As a portfolio building guide, there’s more story to be told for potential followers.

    Dividend investing is different than the Motley Fool newsletter strategies (disruptive growth), so investors should not expect comparable returns.

    But the Fool is more meticulous and transparent about the performance of the entire portfolio of recommendations over time. 

    Sure Dividend could implement similar performance reporting for better transparency. But with ten recommendations per month, it’s a more tedious effort to track them all.  

    Start your 7-Day Free Trial

    Other Products and Services By Sure Dividend

    The Sure Dividend Newsletter is the baseline subscription product. But wait, there’s more!

    The Morning Dividend Email List

    The Morning Dividend is a daily email with articles and insights about dividend investing. It includes any recent articles on the Sure Dividend blog and articles by its writers around the web. 

    There’s also daily corporate news from Sure Dividend companies and relevant sponsored content. 

    Best of all, it’s 100% free to 150,000 subscribers and counting. Unsubscribe any time. You can also earn rewards by referring new readers to join the list. 

    Join The Morning Dividend here.

    The Sure Analysis Research Database

    The Sure Analysis Research Database includes timely, detailed analyses of over 600 dividend stocks.

    The service provides detailed total return estimates for each stock. It ranks all stocks by expected total returns — giving you the power to see the highest expected total return dividend stocks at any time and avoiding the worst.

    Sure Analysis also includes access to all three premium newsletters.

    The Sure Dividend Retirement Newsletter

    The Sure Retirement Newsletter uses data from the Sure Analysis Research Database to find and rank quality dividend growth stocks with 4%+ yields — so you invest in high-yield dividend growth stocks trading at fair or better prices.

    Each month you get the Top 10 best 4%+ yielding quality income securities, plus actionable buy and sell recommendations and a portfolio building guide. 

    Specifically, The Sure Retirement Newsletter recommends securities that generally have the following characteristics:

    • 4%+ yields only (often higher)
    • Securities likely to pay steady or rising dividends into the future
    • Securities trading at or below fair value
    • Securities with strong expected total return potential

    Besides focusing on higher yields, the main difference from the Sure Dividend Newsletter is the Sure Retirement Newsletter also recommends REITs and master limited partnerships (MLPs, both explained in this guest post by Sure Dividend writer Bob Ciura). 

    The Sure Dividend Newsletter yields are typically lower than 4% on average but demonstrate higher long-term growth.

    The Sure Dividend Passive Income Newsletter

    The stocks recommended in The Sure Passive Income Newsletter are meant to be purchased once and never sold. 

    Steady income and income growth are key components of financial freedom through passive income. 

    Rising passive income provides the base for a safe and secure retirement because income growth counteracts the wealth damaging effects of inflation.

    The newsletter prioritizes growth and long-term safety, with dividend yields that exceed the S&P 500’s for each recommendation.

    The Sure Passive Income Newsletter has everything you need to build your rising passive income portfolio, including a detailed analysis of the Top 10 ‘forever’ passive income stocks each month and a to-the-point portfolio building guide.

    Sure Dividend Review: Is it Worth the Cost?

    Sure Dividend is an excellent resource for income investors looking to build stable dividend income for retirement. 

    New investors just getting started should first consider whether index investing is sufficient for their needs. 

    Individual stock investing requires additional research beyond a newsletter Top 10 list. Before owning individual stocks, decide if you have the time and knowledge to perform the necessary research. 

    If you do, I recommend stock newsletters for investing inspiration and additional data points for your research. 

    The Sure Dividend Newsletter is best for those investing at least $5,000 per year into individual dividend stocks. 

    I recommend joining The Morning Dividend to get a taste of what Sure Dividend is about free each business day morning. You can also visit the archives for hundreds of free articles and helpful lists. 

    The regular price to subscribe to the Sure Dividend Newsletter is $159. RBD readers pay $118 per year. Use the button below or coupon code RBD41off.

    Start your 7-Day Free Trial

    The Sure Dividend Golden Rule Commitment

    • 7 Day Free Trial – You aren’t billed for seven days.
    • 60 Day Full Refund Grace Period – If the Sure Dividend Newsletter isn’t right for you anytime during the first 60 days from the date you joined, email them, and you will receive a full refund; no explanation is needed.
    • Prorated Refunds After 60 Days
    • Price Lock Guarantee – Your newsletter plan price will never increase after joining. 
    • Pre-Billing Renewal Notifications – They will email you five days before your plan’s annual renewal, so you are never surprised with a renewal payment.
    • Top-Notch Customer Service

    Thanks for reading this Sure Dividend review.

    Are you a subscriber? Please share your experience with the Sure Dividend Newsletters in the comments below. 

    Sure Dividend Newsletter Review
    • Ease of Use - 9.5/10
      9.5/10
    • Diversification - 10/10
      10/10
    • Transparency - 8.5/10
      8.5/10
    • Cost - 9/10
      9/10
    • Value - 9/10
      9/10
    9.2/10

    Summary

    The Sure Dividend Newsletter is a PDF emailed to your inbox on the first Sunday of every month. It provides ten stock recommendations in each edition and risk ratings on 600+ dividend stocks. For $118 (use Sure Dividend coupon code RBD41off), it’s worthwhile for those investing more than $5,000 per month into individual dividend stocks. The more you invest, the better the value for you. The newsletter could do a better job of tracking past recommendations for its Real Money Portfolio. Like other stock subscription services or advice, individual due diligence is still imperative before acting on recommendations.

    • Get Your 7-Day Free Trial at Sure Dividend

    Note: The recommendations provided by Sure Dividend do not reflect the opinions of RBD. Please perform research before investing your money into these or any other investments. Do not invest money into stocks that you cannot afford to lose. Invest at your own risk. You may lose some or all of your capital invested.

    * Also note: RBD partners with brands and services that you may find useful in your own investing endeavors. As always, I only partner with brands and services I use or have fully vetted and endorse. I’m a paid subscriber of, and, separately, an affiliate partner with the Sure Dividend Newsletter. If you become a paid subscriber through one of the links or buttons in this article, RBD will be compensated for the referral. Thank you for supporting this website. 

    Disclosure: The author is long BMY, WBA, T

     

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    Retire Before Dad

    I’m a 45-year-old IT professional, investor, and blogger based in the Washington, DC metro area. My primary financial goal is to retire at age 55, one year before my Dad retired. I write about how to build income streams so you can explore the unusual. Read the whole story HERE.

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