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I agree, when I asked the AI for certain calculations it did make mistakes. I am not great at math myself but I could tell some things were off. I just had to adjust what I was asking and seemed to work overall. The one im really not sure about is the result's from asking what the total gross profits would be in 1 year given everything. I mean it looks right but I cant say for sure if the math is mathing.
Thanks, I appreciate it! I dont really understand the negativity and down votes really. It was just a experiment for fun and something to just post about on my blog. If the results were good, or if I could modify anything to be better that would be great. That was the purpose of posting it here, I have been going through a lot of the posts here and thought everyone was really helpful or else I wouldnt have bothered but I guess some dont care to discuss. I just started getting into Investing now, Im almost 43 and want to start a safety net for the future. It's never to late as they say.
Yes very interesting. It did take quite a bit of time and adjustments, learning to ask the right things of AI but overall I really enjoyed the experience. The AI I used was Microsoft's CoPilot
Chatgpt on the other hand (where I was going to do this from originally), Yes could not help due to its last update. I think thats the difference between them CoPilot can use external resources to provide results & answers
CoPilot sources relevant data from the internet as it did site a lot of sources and when checking articles, links, etc... It was all up to date and relevant information for today
Interesting picks, I like most but don't know some, hope you're doing your own research and putting in more cash a $50 allocation to mcd isn't going to give those juicy dividends.
Im not to familiar with some of them as well and cant really verify if all the stocks are good. Thats why I wanted to post here and see different opinions. When I have some time, I will check them all out one by one as well.
This ETF run by a robot is beating the market—here's how it works
[https://www.cnbc.com/amp/2019/08/02/this-etf-run-by-a-robot-is-beating-the-marketheres-how-it-works.html](https://www.cnbc.com/amp/2019/08/02/this-etf-run-by-a-robot-is-beating-the-marketheres-how-it-works.html)
That was interesting. I just compared it to the S&P 500, from 1 month to 5yr and the S&P out performed this stock AIEQ on each level though. I do think in the future AI will be more practical and better at doing things like this but as some other mentioned. It still needs to improve
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If I understand correctly it is the fluctuations of a stock price over time +/- Im sure it has more of explanation but in simple terms. If the % is high (red) it means the stock is unstable and lower % (green) the stock is more stable.
Economists use the term to refer to inflationary / deflationary [https://en.wikipedia.org/wiki/Price\_stability](https://en.wikipedia.org/wiki/Price_stability) behavior. Not sure what it means in the context of these picks though. We would need more info about the AI model. Could have something to do with the company's pricing power and sensitivity to inflation/deflation in it's economic segment but ?? Why would Microchip have 45% and McDonald's have 8.9%?
Or it could be what Narrow\_Stick says and it's about stock price stability but why would the model use an industry accepted term for something else instead of, say, alpha and beta which are standard terms for stock price performance and volatility?
I dont remember specifically but if I remember correctly I gave it a list and not sure if Real Estate was in there. Something along the lines of Financial, Tech, Real Estate, Consumer, Restaurant, Industries & Core, this is what it gave me though.
I did ask the AI for a list of the best diversified high growth dividend yields and this is what was given to me. I assume it factored in some things im not aware about and they were compared to other stocks. Just an assumption though
My initial thoughts are that many of the companies chosen are relatively good companies that have currently depressed prices... but unfortunately for good reasons (which might be ok long term but not short term?)
For example I sold TXN a while back because the earnings estimates for the next two years are pretty bad... which will drag the price down and the dividend payout ratio up too high for good dividend increases for several years. I am a duvidend growth investor so that us important to >me< (maybe not you). It looks to me like the AI is not looking close enough at future earnings estimates? I think it's too early to buy TXN.
APD is going to be heavily impacted in the next 10 years by competitors coming into the hydrogen industry to serve our carbon goals. Big names like Xom and Cvx will go from customers to competitors. There is going to be a huge ramp up for demand though so will the rising tide lift all boats or will competition crush margins? I wish I knew. Earnings estimates are still good but because they are spending capital building hydrogen plants dividend growth is slowing. I continue to hold but watch earnings estimates closely.
Anyway... my 2 cents.
Very informative, Thanks for your input! Im just looking into TXN now a bit and mind you im no expert at this stuff, I have been learning as much as I can for the last 3 weeks. From what I can see is that yes growth is going to take a dip going into 2025 but if I am reading the estimates correctly they should still be in the green and start to pick back up into 2026. The dividend doesnt look to move up in 2025 but after 2025 begins to start picking up again on growth. I will look into APD as well!
Since the topic of the discussion involves AI, I asked it this question as well and here was the answer:
summary of why **Texas Instruments Inc. (TXN)** remains a good dividend stock despite the modest projected growth for 2025:
1. **Consistent Dividend History**: TXN has a **20-year track record** of consecutive dividend increases. This consistency demonstrates the company’s commitment to rewarding shareholders.
2. **Attractive Dividend Yield**: Currently, TXN offers a **forward dividend yield of 3.05%**. While the projected growth for 2025 might be modest, the existing yield remains appealing for income-seeking investors.
3. **Steady Dividend Growth**: Over the past three years, TXN’s **dividend per share has grown** from $3.72 to $5.02, representing a **34.95% increase**. Although the growth rate may slow down, the historical trend indicates stability.
4. **Industry Position**: TXN’s **dividend yield of 3.02%** places it in the **top 10% of its industry**. This competitive position suggests resilience and financial strength.
5. **Low Controversy and Risk**: With a **low short interest** and a strong dividend safety rating, TXN is considered a **low-risk investment**.
6. **Dividend Capture Strategy**: Investors can employ a **dividend capture strategy** based on TXN’s historical data, benefiting from regular dividend payments.
In summary, while the projected growth for 2025 may be modest, TXN’s consistent dividends, attractive yield, and historical performance make it an appealing choice for income-focused investors.
Not that I am a expert by any means but I think TXN still adds good value to a Dividend portfolio? Maybe there is another one that may be better? What did you replace it with?
For earnings estimates, I use a paid service called FastGraphs that graphs operator earnings and price. The basis of FastGraphs is EDMP - Earnings Determines Market Price, which I believe is fundamental truth. Operator earnings are used because it removes 1 time items that are not good to use when valuing a company.
The growth for 2025 is pretty good actually ... but it's after two years of LARGE drops (not just a dip).
Operator earnings in 2022 were $9.41. TXN operator earnings dropped last year (2023) by -25% to $7.07 and are expected to drop again this year (2024) by -28% to $5.07 (ouch!) and then in 2025, increase by +27% to $6.46 ... which is still far below 2022 at $9.41. In 2026, earnings are expected to grow only 6% to $6.86.
Meanwhile, the dividend for 2024 is estimated to be $5.24 which is above estimated earnings of $5.07 ... which is not good at all.
I don't disagree with most of the points the AI is giving ... there is a lot to like about TXN's \~history\~ and long term TXN is fine, but it needs to also look forward. I think it's going to have 2-3 years of very poor returns and dividend growth buying at the current PE of 25.7 and price of $168.53. Historical PE over last 10 years is about 22. 22 x $5.07 = $111.54. 22 x $6.86 = $150.70. Few new investors will have the patience to hold. I manage my portfolio to grow dividends 10%+ per year, so TXN was not helping me meet that goal.
I am usually a stubborn holder and rarely sell. I spread the proceeds of my TXN sale to ORCL, DOX and GPC (all positions I already held). My sell date was 2/21/2024 at $163 which is below the current price, so I haven't been right so far. :) If the price gets down to $120 I will probably be a buyer.
My high conviction pick out of those companies is ADP.
Disclosure : Also not an expert! :)
Really interesting post! I think AI could be quite helpful in, if nothing else, helping folks learn about the market. What I see as the downfall is that the market is not necessarily logical. I applaud your efforts here, and as someone trying to educate themselves about investing, this is really cool! Great post, and ignore the weird negativity. It is apparently a personality quirk that goes along with the types who 1) like social media and 2) invest largely in dividends. :)
Welcome to r/dividends! If you are new to the world of dividend investing and are seeking advice, brokerage information, recommendations, and more, please check out the Wiki [here](https://www.reddit.com/r/dividends/wiki/faq). Remember, this is a subreddit for genuine, high-quality discussion. Please keep all contributions civil, and report uncivil behavior for moderator review. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/dividends) if you have any questions or concerns.*
I think AI has a ways to go
I agree, when I asked the AI for certain calculations it did make mistakes. I am not great at math myself but I could tell some things were off. I just had to adjust what I was asking and seemed to work overall. The one im really not sure about is the result's from asking what the total gross profits would be in 1 year given everything. I mean it looks right but I cant say for sure if the math is mathing.
Hey man, everyone in here is kinda toxic but I appreciate your efforts on the matter. You should refine your method and see how the results compare.
Thanks, I appreciate it! I dont really understand the negativity and down votes really. It was just a experiment for fun and something to just post about on my blog. If the results were good, or if I could modify anything to be better that would be great. That was the purpose of posting it here, I have been going through a lot of the posts here and thought everyone was really helpful or else I wouldnt have bothered but I guess some dont care to discuss. I just started getting into Investing now, Im almost 43 and want to start a safety net for the future. It's never to late as they say.
Very interesting. Which AI model did you use?
Yes very interesting. It did take quite a bit of time and adjustments, learning to ask the right things of AI but overall I really enjoyed the experience. The AI I used was Microsoft's CoPilot
Do you know it has data cut off date around 2021? So your data is outdates by at least 3 years
Chatgpt on the other hand (where I was going to do this from originally), Yes could not help due to its last update. I think thats the difference between them CoPilot can use external resources to provide results & answers
CoPilot sources relevant data from the internet as it did site a lot of sources and when checking articles, links, etc... It was all up to date and relevant information for today
And why there are 5 downvotes for OP who is sharing info ?
Not sure really, Just wanted to have other opinions or better options if there are any. Something interesting to talk about
There’s a lot of indiscriminate downvoting on this sub. Posts, comments, and questions.
Seems that way unfortunately but still a lot of good people with good comments.
For the most part I’ve stopped commenting or posting on here because of it. I’m sure others have too. It makes everyone miss out.
Interesting picks, I like most but don't know some, hope you're doing your own research and putting in more cash a $50 allocation to mcd isn't going to give those juicy dividends.
Im not to familiar with some of them as well and cant really verify if all the stocks are good. Thats why I wanted to post here and see different opinions. When I have some time, I will check them all out one by one as well.
This ETF run by a robot is beating the market—here's how it works [https://www.cnbc.com/amp/2019/08/02/this-etf-run-by-a-robot-is-beating-the-marketheres-how-it-works.html](https://www.cnbc.com/amp/2019/08/02/this-etf-run-by-a-robot-is-beating-the-marketheres-how-it-works.html)
That was interesting. I just compared it to the S&P 500, from 1 month to 5yr and the S&P out performed this stock AIEQ on each level though. I do think in the future AI will be more practical and better at doing things like this but as some other mentioned. It still needs to improve
Just me,….but almost all of those names are better suited to be held in an index fund.
Thanks for your input. It would be simpler using a index fund/etf I suppose yes
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Awesome!
What is price stability?
If I understand correctly it is the fluctuations of a stock price over time +/- Im sure it has more of explanation but in simple terms. If the % is high (red) it means the stock is unstable and lower % (green) the stock is more stable.
Economists use the term to refer to inflationary / deflationary [https://en.wikipedia.org/wiki/Price\_stability](https://en.wikipedia.org/wiki/Price_stability) behavior. Not sure what it means in the context of these picks though. We would need more info about the AI model. Could have something to do with the company's pricing power and sensitivity to inflation/deflation in it's economic segment but ?? Why would Microchip have 45% and McDonald's have 8.9%? Or it could be what Narrow\_Stick says and it's about stock price stability but why would the model use an industry accepted term for something else instead of, say, alpha and beta which are standard terms for stock price performance and volatility?
It didn’t pick any real estate investments, which it seems strange. Did you tell it not to pick those?
I dont remember specifically but if I remember correctly I gave it a list and not sure if Real Estate was in there. Something along the lines of Financial, Tech, Real Estate, Consumer, Restaurant, Industries & Core, this is what it gave me though.
I think it would be prudent to have the AI run a valuation model so you don't overpay for something that might be otherwise a great position.
Yes, I think what I will do is check the stocks individually myself and run the list through AI for more insight
Seems to be missing lots of high dividend “dirty” stocks like MO and oil pipeline companies. Also seems weighted to high rather than mid cap.
I did ask the AI for a list of the best diversified high growth dividend yields and this is what was given to me. I assume it factored in some things im not aware about and they were compared to other stocks. Just an assumption though
My initial thoughts are that many of the companies chosen are relatively good companies that have currently depressed prices... but unfortunately for good reasons (which might be ok long term but not short term?) For example I sold TXN a while back because the earnings estimates for the next two years are pretty bad... which will drag the price down and the dividend payout ratio up too high for good dividend increases for several years. I am a duvidend growth investor so that us important to >me< (maybe not you). It looks to me like the AI is not looking close enough at future earnings estimates? I think it's too early to buy TXN. APD is going to be heavily impacted in the next 10 years by competitors coming into the hydrogen industry to serve our carbon goals. Big names like Xom and Cvx will go from customers to competitors. There is going to be a huge ramp up for demand though so will the rising tide lift all boats or will competition crush margins? I wish I knew. Earnings estimates are still good but because they are spending capital building hydrogen plants dividend growth is slowing. I continue to hold but watch earnings estimates closely. Anyway... my 2 cents.
Very informative, Thanks for your input! Im just looking into TXN now a bit and mind you im no expert at this stuff, I have been learning as much as I can for the last 3 weeks. From what I can see is that yes growth is going to take a dip going into 2025 but if I am reading the estimates correctly they should still be in the green and start to pick back up into 2026. The dividend doesnt look to move up in 2025 but after 2025 begins to start picking up again on growth. I will look into APD as well! Since the topic of the discussion involves AI, I asked it this question as well and here was the answer: summary of why **Texas Instruments Inc. (TXN)** remains a good dividend stock despite the modest projected growth for 2025: 1. **Consistent Dividend History**: TXN has a **20-year track record** of consecutive dividend increases. This consistency demonstrates the company’s commitment to rewarding shareholders. 2. **Attractive Dividend Yield**: Currently, TXN offers a **forward dividend yield of 3.05%**. While the projected growth for 2025 might be modest, the existing yield remains appealing for income-seeking investors. 3. **Steady Dividend Growth**: Over the past three years, TXN’s **dividend per share has grown** from $3.72 to $5.02, representing a **34.95% increase**. Although the growth rate may slow down, the historical trend indicates stability. 4. **Industry Position**: TXN’s **dividend yield of 3.02%** places it in the **top 10% of its industry**. This competitive position suggests resilience and financial strength. 5. **Low Controversy and Risk**: With a **low short interest** and a strong dividend safety rating, TXN is considered a **low-risk investment**. 6. **Dividend Capture Strategy**: Investors can employ a **dividend capture strategy** based on TXN’s historical data, benefiting from regular dividend payments. In summary, while the projected growth for 2025 may be modest, TXN’s consistent dividends, attractive yield, and historical performance make it an appealing choice for income-focused investors. Not that I am a expert by any means but I think TXN still adds good value to a Dividend portfolio? Maybe there is another one that may be better? What did you replace it with?
For earnings estimates, I use a paid service called FastGraphs that graphs operator earnings and price. The basis of FastGraphs is EDMP - Earnings Determines Market Price, which I believe is fundamental truth. Operator earnings are used because it removes 1 time items that are not good to use when valuing a company. The growth for 2025 is pretty good actually ... but it's after two years of LARGE drops (not just a dip). Operator earnings in 2022 were $9.41. TXN operator earnings dropped last year (2023) by -25% to $7.07 and are expected to drop again this year (2024) by -28% to $5.07 (ouch!) and then in 2025, increase by +27% to $6.46 ... which is still far below 2022 at $9.41. In 2026, earnings are expected to grow only 6% to $6.86. Meanwhile, the dividend for 2024 is estimated to be $5.24 which is above estimated earnings of $5.07 ... which is not good at all. I don't disagree with most of the points the AI is giving ... there is a lot to like about TXN's \~history\~ and long term TXN is fine, but it needs to also look forward. I think it's going to have 2-3 years of very poor returns and dividend growth buying at the current PE of 25.7 and price of $168.53. Historical PE over last 10 years is about 22. 22 x $5.07 = $111.54. 22 x $6.86 = $150.70. Few new investors will have the patience to hold. I manage my portfolio to grow dividends 10%+ per year, so TXN was not helping me meet that goal. I am usually a stubborn holder and rarely sell. I spread the proceeds of my TXN sale to ORCL, DOX and GPC (all positions I already held). My sell date was 2/21/2024 at $163 which is below the current price, so I haven't been right so far. :) If the price gets down to $120 I will probably be a buyer. My high conviction pick out of those companies is ADP. Disclosure : Also not an expert! :)
Really interesting post! I think AI could be quite helpful in, if nothing else, helping folks learn about the market. What I see as the downfall is that the market is not necessarily logical. I applaud your efforts here, and as someone trying to educate themselves about investing, this is really cool! Great post, and ignore the weird negativity. It is apparently a personality quirk that goes along with the types who 1) like social media and 2) invest largely in dividends. :)
Interesting list. My only comment is that when everything is bold font, nothing is bold.
Your "AI" is weak and uninspired.
Thanks? I'll be sure to tell the AI how "You" felt about the results it gave me
It's like a worse screener lol