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Safe Dividend Investing

Safe Dividend Investing

著者： Ian Duncan MacDonald
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In 2000, I lost $300,000 in mutual funds that an investment advisor had put my lifesavings into.... I lost it because I had entrusted it to an industry that does not educate investors nor encourage them to look closely at what that industry is doing with their money..... I set out to find a better, safer way to invest..... My podcasts relate to what I learned in creating a generous, reliable income and in growing my wealth.... A few of the more important lessons I learned and explore are:.... (1) It is critical that you become a self-directed investor.....(2) If you can not easily measure the risk and potential in an investment, then do not invest in it. This excludes from your portfolio bundled investment devices, like mutual funds, ETFs and Index funds,..... (3) Financially strong companies who have paid “good dividends” for decades will continue to stay strong and continue to pay good dividends because it is both part of their "character" and in their executives selfish interest.....(4) Diversification is critical. Investing equally in the best 20 strong dividend stocks is the ideal.....A portfolio of 20 limits your risk in any one stock to 5% of your wealth..... No matter how strong you think a stock is, do not fall in love with it..... I have lived very well off my steady dividend income for 18 years, through two market crashes and one pandemic. I have watched my portfolio’s capital more than triple from where I started, despite taking out a generous dividend income every year to live on... In charts, for my second investment book,(Safer Better Dividend Investing), I spent months scoring all 628 dividend stocks paying dividends of 6% or greater traded on the TSX, NYSE and the NASDAQ. I discovered dozens of stocks that can provide not only a generous dividend income but outstanding capital growth.....Financial independence is realizable for careful, patient, dividend investors.

© 2026 Safe Dividend Investing 個人ファイナンス 経済学
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  • MONEY, RISK AND TIME

    MONEY, RISK AND TIME
    2026/09/20

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    Podcast 293

    There are millions who have patiently saved their money for decades in bank savings accounts. Money they expect to help pay their living expenses when they are no longer be able to work. These savers would never consider Investing their money in the stock market. To them the stock market is seen as a form of gambling where they could lose all their life savings and be left penniless.

    The banks may pay them as much as 0.01% for the use of their money which they will lend to borrowers at rates as high as 22%. Meanwhile their savings account is under attack from an average annual inflation rate of about 3.5% a year. In ten years they will be able to buy 30.50% less than what the money in your savings can now buy.

    There is a much better, safer place for your savings than in bank savings account. I say this as an investor who twenty-five years lost $300,000 of my life savings investing in supposedly safe mutual funds chosen by an investment advisor. That loss is when I realized my savings would not be safe until I learned how to wisely manage my savings. I am now sharing with you the benefit of my 25 years of research and experience in safe, effective money management.

    To illustrate how my better way of managing money can safely benefit you over many years, in this week's podcast I take the data of 10 financially strong high dividend stocks from my 2021 book on US dividend stocks and compare the historical results to their current 2026 results. I use information sources that are instantly and freely available so you can verify how easy it is for you to make wise choices.

    My retirement savings have grown over these 25 years by many multiples and provide me with a very generous, ever growing monthly income that exceed my needs and wants. How confident are you that your retirement savings will be able to meet your needs and wants?

    Ian Duncan MacDonald

    Ian Duncan MacDonald
    Author and Commercial Risk Consultant,
    President of Informus Inc
    2 Vista Humber Drive
    Toronto, Ontario
    Canada, M9P 3R7
    Toronto Telephone - 416-245-4994
    imacd@informus.ca
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    26 分
  • WHY LAW FIMS INITIATE CLASS ACTION LAW SUITS

    WHY LAW FIMS INITIATE CLASS ACTION LAW SUITS
    2026/09/13

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    Podcast 292

    Why do law firms initiate hundreds of class action law suits? Do they earn millions of dollars in profits if the class-action law suit is successful? What happens when they are not successful?

    Researching the motivation of lawyers who initiate legal actions arose when a long-time listener to my podcast wrote, after listening to Podcast 288, "I am surprised you seem to recommend the REIT IIPR given their recent legal issues....I held the stock briefly in 2023 and 2024 only to sell it at a loss and join a large group of shareholders in a legal action against the company".

    My mention of IIPR in that podcast was to illustrate how a high dividend yield had resulted in its then low IDM risk score. The idea that unusually high dividends are due to an unusually high investment risk, like most generalities, ignores exceptions.

    In this podcast I do a thorough analysis of the IIPR risk. I found the stock had many strengths which is probably why the class actions were dismissed in August as having no merit. However it raises questions: Why did the law firm initiate a class action law suit? What role do those investors in the class-action lawsuit play? What percentage of the judgment would the plaintiff lawyer realize if its legal action were successful? Who pays if the lawsuit is unsuccessful.

    I was surprised to see the huge number of blue chip stocks that the IIPR law firm had initiated class action lawsuits against. The reward for investors participating in the class action lawsuit was not obvious. I would be interested in hearing from anyone who felt after participating in a class action lawsuit against a stock that they had greatly benefited.




    Ian Duncan MacDonald
    Author and Commercial Risk Consultant,
    President of Informus Inc
    2 Vista Humber Drive
    Toronto, Ontario
    Canada, M9P 3R7
    Toronto Telephone - 416-245-4994
    imacd@informus.ca
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    18 分
  • WHY CHINA'S BYD BEAT TESLA

    WHY CHINA'S BYD BEAT TESLA
    2026/09/05

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    The largest electric vehicle manufacturer in the world is not Tesla, it is dwarfed by BYD, a Chinese company.

    Everyone seems to be very familiar with Tesla but they seem to know little about BYD. In this podcast I describe some of the remarkable achievements of BYD which involves far more than cars. As a leading manufacturer of batteries they supply most of the other manufacturers of electric vehicles and in addition manufacture computer chips for Apple, Samsung and other electronic manufacturers. With 900,000 employees they are China's largest private corporation.

    For 17 years, until 2025, a large percentage of shares were owned by Berkshire Hathaway, the American conglomerate, whose profit on their original investment of $230,000,000 is reported to have had a gain of 3,890% on that original investment.

    While the U.S. government is attempting to protect its domestic car manufacturers by blocking BYD cars from the American market. This seems futile since BYD already has an operation in the US and also in Canada. It shall be interesting to see how long the US 100% tariff stays in place once BYD ships its first 49,000 cars to Canada within the next year.

    Ian Duncan MacDonald
    Author and Commercial Risk Consultant,
    President of Informus Inc
    2 Vista Humber Drive
    Toronto, Ontario
    Canada, M9P 3R7
    Toronto Telephone - 416-245-4994
    imacd@informus.ca
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    23 分
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