Welcome to Income DIY, a free online investor education website sponsored by AFIEA and published by its founder Dr. Charlie Q. Yang. It provides essential information for DIY investors to learn how to form the best income strategy with capital appreciation potential for long-term investments.

• In a low-interest-rate environment, a diversified high-quality dividend growth stock portfolio represents an optimum long-term investing strategy. It offers better return certainty, income growth, capital appreciation, volatility reduction, and hedge against inflation.
• Stock market uncertainty and volatility always exist. The interest rate is depending on Fed policies based on economic conditions. The only certainty that investors can control and rely on is to carefully select dividend growth stocks supported by sustainable earnings growth over time.
• Our goal is to empower investors to learn income DIY skills, eliminate unnecessary investment fees, and remain confident with their carefully designed portfolios in a down market. Ultimately, investors receive better performance with reduced risk than most other equity, income, or annuity strategies.

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How to implement the US dividend growth strategy for income DIY investors?

Step 1: Open a brokerage account (see note* below);
Step 2: Fund your account with the 3rd bucket money for long-term growth;
Step 3: Select 2-3 dividend growth stocks from an index for each of the 11 S&P 500 sectors;
Step 4: Purchase each of the selected dividend stocks in an equal amount allocation;
​Step 5: Review, rebalance, and change (if necessary) your dividend growth stocks annually.

Note*: For implementing dividend growth stock strategies outlined on this site, investors' first step is to open a brokerage account by comparing and selecting any of the following major brokerage firms offering free trade commissions.

Major investment platforms with free stock trade commissions

Note 1: Two other popular zero-commission platforms are TD AmeriTrade (acquired by Charles Schwab) and E-Trade (acquired by Morgan Stanley).

Note 2: Robinhood pioneered commission-free investing in stocks. The further disruption to the financial services industry was that U.S. stocks, ETFs, and options would be free to trade on more investment platforms led by Charles Schwab starting October 7, 2019, and soon followed by other firms.