Dividend Investing System
My personal system for picking dividend stocks — refined over years of investing. Inspired by The Naked Trader, adapted for long-term buy-and-hold income investing.
Not financial advice. Personal investing system only. I am not a financial advisor. Always do your own research.
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About this checklist
I started building this checklist after losing money on stocks that looked great on paper but failed basic tests I wasn't running at the time. High yields. Thin dividend cover. Too much debt. The painful lessons that every dividend investor eventually learns.
The checklist is heavily influenced by Robbie Burns — The Naked Trader — whose systematic approach changed how I invest. But Robbie trades. I buy and hold. So over the years I've adapted it: more focus on dividend sustainability, more weight on long-term chart performance, stricter on balance sheet quality.
I run every stock through these 22 criteria before I commit a penny. My threshold is 18 out of 22. Below that, I walk away — no matter how tempting the yield looks.
This is not financial advice. This is my personal system, used for my own money, in my own ISA. I am not a financial advisor.
What's in the checklist
Every criterion name is shown below. Full descriptions of what each means and what a good result looks like are included in Tier 2 and Tier 3.
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The complete 22-point checklist on one clean A4 page. Tick boxes and write in your own notes. Print one off for every stock you research.
Every criterion explained in plain English. A brief description of what each metric means and what a good result looks like — perfect for investors still building their knowledge.
A dedicated page for each of the 22 criteria — what it is, why it matters for dividend investing, what good and poor look like, and how five real stocks score on it right now.
How it works
The free checklist takes 30 seconds to get. The paid guides arrive instantly by email on purchase.
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The checklists are designed to be printed on A4 paper. Fill one in for every stock you're considering buying.
Aim for 18 out of 22 before you buy. The checklist keeps you honest when a stock looks tempting but the numbers don't stack up.
I've made a complete video explaining every criterion in this checklist — where it came from, why it's there, and how I use it to pick dividend stocks for my own ISA. Free to watch.
Watch on YouTubeEverything on this page and in these guides reflects my personal approach to investing my own money in my own ISA. I am not a financial advisor and nothing here constitutes financial advice or a recommendation to buy or sell any security. All stock examples and data shown were correct at time of publishing but will have changed — always verify before investing. Past performance is not a guide to future results. Investing in stocks carries risk and you may get back less than you invest. Always do your own research and consider speaking with a qualified financial advisor before making investment decisions.