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Welcome to The Dividend Machine! My name is Bill Spetrino, and my goal with The Dividend Machine is to help you build your own income-generating investment portfolios while always living by my mantra: “Keep your investments boring, and the rest of your life fun and exciting.”
I realize that may not seem like the smart way to introduce you to The Dividend Machine. Heck, it seems everyone else out there in the financial marketplace is trying to sell you on “exciting investment opportunities” that promise nothing but “incredible heart-pounding growth!” How can I continue to attract subscribers with a sales pitch that touts “boring” investments? Have I lost my mind?
Well, my friends, I’m here to tell you, chasing high-growth stocks may be fun, and deliver the same thrill as striking a jackpot in Vegas when you stumble onto a winner, but here’s the dirty little secret in pursuing growth at all costs, one that those fly-by-night investment advisers and pundits won’t tell you: Just like Sin City, in the end, most people who jump from stock to stock in the hunt for a major Wall Street score lose money or, at best, break even.
If you’re anything like me and the people I’ve advised, that’s not an acceptable fate for your retirement nest egg. You can’t afford making bets that won’t pay off. I personally can’t stand the idea of a portfolio with 65 percent winners and 35 percent losers, which is what many high-growth-chasers aim for, with the misguided idea that the winners will outweigh those losers.
Instead of that often fruitless and dangerous chase, The Dividend Machine subscribers want two things above all else: Safety and income. My “boring” investment strategy delivers on both counts.
My aim is unearthing the true bargains in the marketplace. The Dividend Machine portfolio is made up of mostly large multinational companies that are involved in “boring” businesses like consumer goods, pharmaceuticals, retail, banking, and established technology.
The companies that pass my rigorous multi-step vetting process must have a number of key characteristics. I seek out organizations that own resonant brand names, possess a pristine balance sheet, have a cash stash to help them survive and thrive in difficult markets, and are in an industry where they hold a strong competitive advantage.
Others may call my approach “boring.” I don’t care. My results speak for themselves. While other newsletter services have great years and also suffer incredibly lousy years, I’ve continued on a path of sure and steady gains. I’m proud to say I’ve helped tens of thousands of readers as they’ve built their own Dividend Machine, which deliver dependable, growing income for life.
As a member of The Dividend Machine newsletter, you will become partners with Bill and receive unlimited access to the entire library of benefits.
I think my destiny to become an investor was clear at a young age. I was 6 years old, and my parents just had my little brother. So I wouldn’t be jealous that my new sibling was getting all of my parents attention, my father bought me a box of baseball cards. I think there were 36 packs of cards, and each pack had 5 cards and a stick of gum. This was back when a pack of cards cost 5 cents, so it was literally a penny per card.
Well, I lived in a poorer neighborhood and one of my wealthier friends really wanted my Sam McDowell card. At the time, Sam McDowell was the favorite player of all the kids in my school. Of course I really didn’t want to sell the card. But then he offered me 35 cents for it. I decided to sell! I took the 35 cents and bought 7 more packs of cards. I kept selling cards to my schoolmates, and buying more with my profits. About two months later my dad came into my room and saw six shoeboxes full of cards. At first he thought I stole them. I explained to him what I was doing, and he was very impressed. He was even more impressed when I showed him the $35 I had saved . . .
I started writing The Dividend Machine because I wanted to share what I have learned about investing with as many people as possible. See, by creating a dividend machine for myself, I was able to retire at the age of 42. At that relatively young age I was able to literally walk away from my 9-5 job, and live comfortably just on the income that my investments generated. And so I started The Dividend Machine newsletter, so I could help as many people as possible experience the same freedom I enjoy every day.
I don’t measure success as the big house, fancy new cars, a country club membership, or any desire to “keep up with the Joneses.” To me that is debt, debt, debt, and more debt.
My idea of success is freedom. Freedom to spend every day how I want to spend it. To me debt means you can never enjoy true “freedom” if you have to work every day to make your monthly payments on all these materialistic pursuits.
I got started in the financial markets out of a pure desire to become financially independent. After graduating from John Carroll University with a degree in accounting, I went to work for a small accounting firm at the age of 23. After my first day on the job I thought, “I can’t do this for 45 more weeks, let alone 45 more years.” Every minute after that I focused on trying to figure out how to become financially independent so I could retire.
So I spent hours and hours reading every book I could find from some of the greatest financial minds in the world. I read Benjamin Graham, Warren Buffett, and anything I could get my hands on. I still read for about 3 hours every day. I am on a constant quest to learn from the wisdom of others.
So back to how I got started in the markets. I was reading all of these books and absorbing all the knowledge, and decided it was time to invest on my own. Like many in my small town, I didn’t grow up with a silver spoon, so to come up with my first money to invest I sold my BMW and bought an old beater for $1200. I took the remaining $8000 I had from selling the car and started building my dividend machine.
Every 3 months I would get my dividend checks. I kept reinvesting the dividends, and when the stocks I owned dropped in price, I was able to buy more. I quickly realized that my concept of building a dividend machine was fantastic.
It wasn’t a glamorous pursuit. I had to ignore the temptation to spend my money on materialistic goods, and focus on saving money to keep building my dividend machine. But the end result was that I was able to retire at 42 years old. All of my living expenses are now paid for by the income I receive from my investments.
That’s the goal I have for the subscribers of The Dividend Machine newsletter. To one day be able to live comfortably just on their investing income. To accomplish this, each month I help subscribers build a conservative portfolio that concentrates on safety, income, and growth. This will provide a consistent dividend income, and our goal is to achieve a compounded annual return of 10% or more.
I think we have been successful so far. Our compounded annual returns are greatly exceeding our goals, and The Dividend Machine newsletter has been recognized by the Hulbert Financial Digest, a leading authority, as the #1 low-risk newsletter in the industry. This recognition is an honor I take very seriously, and a testament to the time and effort I put into making The Dividend Machine an outstanding resource for the average investor.
Thanks for taking a few minutes to get to know me, and I hope to have you as a subscriber to my Dividend Machine newsletter.
Since inception in March 2009, The Dividend Machine has an annualized average return of 21.5% compared to only 13.6% for the S&P 500.
In The Dividend Machine portfolio, 53 out of 54 recommendations are winners, some returning gains as high as 194%, 268%, and 367%.
If at any time during the first 90 days of your membership, for any reason whatsoever, you decide The Dividend Machine is not right for you, simply call, email, write, or fax us. You will be refunded every penny of your subscription cost.
In approximately 2 years, overall my retirement portfolio is up 40% and that does not include the reinvested dividends which is approx. another 7%, for close to 50% return.
I wish I had known about this years ago! I have found this the most helpful newsletter ever. The first year I had a 12% gain between dividends and stock prices. Very happy with my results!
I only had $4,000 to start with so I listened to Bill and diversified between the conservative, aggressive, and international; less than two years later I’m up more than 24%!
I made enough the first year to pay off my Granddaughters house in 10 months only using the dividends paid back to me.
I am making money following a newsletter for the first time in over 25 years.
I have not found a record of steady increase of wealth to match yours. I am suggesting this to all of my family and friends.
I owned most all of the stocks you recommended over the last two years and my portfolio is up over 30% in that time frame.
The Dividend Machine is our secret weapon and Bill’s advice is excellent. What I like best about The Dividend Machine is the consistency and accuracy of the picks.
I’ve been using The DM for 2 years now and every time I have followed Bill’s advice I’m batting 1.000, I have doubled my dividend income in the last 18 months.
I am a true fan, a believer in the Dividend Machine, and just being a part of it makes me very, very happy when I go to sleep at night.
What I like best about The Dividend Machine is getting sound advice with the reasoning behind the advice spelled out. Also, the fact that the investing strategy is based on long-term gain, not overnight success.
The Dividend Machine is the best investment I ever had. It had provided me with unbiased fundamental truth about investment. I see great returns with a handful of stocks in my portfolio.
Last year I made over $100,000 following The Dividend Machine.
I have not invested in one single stock that has lost money in The Dividend Machine.
In the last 2½ years my portfolio has returned actually close to $1,000,000.
I’ve made over $70,000 in just two of Bill’s recommendations.
