Dividend Stocks Newsletter for 1/31/2025

Keith Kaplan has invested $17 million into his own AI research platform, now used by 180,000 investors worldwide.

The analyst, who called the 2020 crash early, is working with a former NSA codebreaker and Pentagon insider on a new approach to AI stocks ahead of September 30.

Investors like Stephen and Keith W. say the tools helped shape their portfolios, though results vary and are not typical.

The Buffett Indicator once flagged the 1929, 1969, and 2000 market peaks - and it's now at 231%, its highest reading in history.

Gold analyst Garrett Goggin, CFA, CMT, has tracked this signal for years and says the pattern points to money rotating from overpriced tech into gold.

Porter Stansberry has called Goggin the most knowledgeable gold investor in the world.

If you have $2M or more saved, the 4% rule points to roughly $92,000 a year - but it's a single-variable answer to a multi-variable problem. Withdrawal sequencing, sequence-of-returns risk, Roth conversion timing, and legacy goals can all shift your real number significantly.

Research from Vanguard suggests advisor best practices - covering allocation, rebalancing, tax management, and behavioral coaching - may add roughly 3% in net annual return potential. Morningstar's 2025 data shows the average investor return gap is 1.2% per year due to mistimed buying and selling.

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