Income · example portfolio

Illustrative Dividend-Stock Portfolio, Scored

A fixed, equal-weight example published on 17 September 2026. These companies have different dividend histories, including reductions by AT&T and 3M. This is not a list of current Dividend Aristocrats or a claim of uninterrupted dividend growth.

AT&T (2022) 3M (2024)

The portfolio

JNJ10%
PG10%
KO10%
PEP10%
MCD10%
XOM10%
CVX10%
ABBV10%
MMM10%
T10%

Weights as shown, Low risk profile. Re-scored automatically about once a week; the date and engine version are on the result.

68.8 / 100

Portfolio score Good

Solid, with specific things to tighten.

The structure holds up. One or two components pull the score down, and they are named below in priority order.

Weak Neutral Good Strong

10 holdings resolved · Low risk profile · engine 2026-03-07-v5 · trajectory stable (4% confidence)

What is a good score? → Score your own portfolio

Largest position: 10.0% JNJ · limit 20%
Effective positions: 10.0 of 10 held · target 10
Top sector: 30.0% Consumer Defensive
Weighted beta: 0.42 market sensitivity
Exposure plan: 58% invested 42% cash · balanced
You are at: 100% invested 0% cash

Component scores

Diversification100
Risk balance88
Quality60
Signal69
Trend41
Market context0

A component is “no data” when the engine lacks evidence for it, which is reported rather than guessed.

What to look at first

Watch One sector dominates
Consumer Defensive is 30.0% of invested value. When one sector carries that much weight, a single macro theme drives most of the outcome.
Priority The exposure plan favours a cash buffer
Given current signal, trend and concentration evidence, the plan targets about 58.1% invested and 41.9% cash, deployed at a gradual pace.
Watch Limited factor evidence
Factor evidence is missing for 100.0% of invested value, which limits how much forward-looking context the engine can support.
Priority Sizeable positions with weak readings
T, PEP, MCD carry material weight and low holding scores. They are the largest drag on the composite.

Holdings

Ticker	Sector	Value	Weight	Signal	Score	Profile
JNJ	Healthcare	10,000	10.0%	BUY	2.66	defensive
PG	Consumer Defensive	10,000	10.0%	HOLD	0.00	core
KO	Consumer Defensive	10,000	10.0%	BUY	5.80	core
PEP	Consumer Defensive	10,000	10.0%	HOLD	-1.92	turnaround
MCD	Consumer Cyclical	10,000	10.0%	HOLD	-1.67	turnaround
XOM	Energy	10,000	10.0%	HOLD	0.00	cyclical
CVX	Energy	10,000	10.0%	HOLD	0.00	cyclical
ABBV	Healthcare	10,000	10.0%	BUY	7.03	defensive
MMM	Industrials	10,000	10.0%	HOLD	-0.39	cyclical
T	Communication Services	10,000	10.0%	HOLD	-1.96	income

Evidence limits:

Missing grade data for part of the portfolio
Missing lens-specific factor evidence for large parts of the portfolio
Weak factor evidence confidence reduces forward-looking reliability

POST /evaluate

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{
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        "score": 68.7999999999999971578290569595992565155029296875,
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        "status": "Good",
        "status_key": "good",
        "count": 10,
        "weighted_score": 0.95999999999999996447286321199499070644378662109375,
        "max_position_weight": 10,
        "max_position_ticker": "JNJ",
        "effective_positions": 10,
        "weighted_beta": 0.419999999999999984456877655247808434069156646728515625,
        "signal_mix": {
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            "hold": 70,
            "sell": 0
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        "trend_alignment_pct": 30,
        "trend_negative_pct": 40,
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        "weighted_dividend_score": 4.79999999999999982236431605997495353221893310546875,
        "top_sector": "Consumer Defensive",
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            "trend": 41,
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            "summary": "Mixed signals"
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        "context_alignment": {
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        "forward_confidence": 62.7999999999999971578290569595992565155029296875,
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            "min_invested_pct": 45.7000000000000028421709430404007434844970703125,
            "max_invested_pct": 70.5,
            "min_cash_pct": 29.5,
            "max_cash_pct": 54.2999999999999971578290569595992565155029296875,
            "base_invested_pct": 55,
            "stance": "balanced",
            "deployment_speed": "gradual",
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            "market_regime_score": 50,
            "market_regime_code": "",
            "reason_codes": [
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            "components": {
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                "trend_adjustment": -1,
                "sell_penalty": 0,
                "concentration_penalty": 0
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        "holding_analysis": [
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                "sector": "Healthcare",
                "profile": "defensive",
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                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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                "classification_quality": "weak",
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                "factor_evidence_confidence": 0,
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                "lens_confidence": 28
            },
            {
                "ticker": "KO",
                "weight_pct": 10,
                "score": 5.79999999999999982236431605997495353221893310546875,
                "signal": "BUY",
                "sector": "Consumer Defensive",
                "profile": "core",
                "lens": "core_quality",
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                "classification_quality": "weak",
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                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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            {
                "ticker": "PEP",
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                "score": -1.9199999999999999289457264239899814128875732421875,
                "signal": "HOLD",
                "sector": "Consumer Defensive",
                "profile": "turnaround",
                "lens": "recovery",
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                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
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                "ticker": "MCD",
                "weight_pct": 10,
                "score": -1.6699999999999999289457264239899814128875732421875,
                "signal": "HOLD",
                "sector": "Consumer Cyclical",
                "profile": "turnaround",
                "lens": "recovery",
                "classification_confidence": 68,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
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                "factor_required_count": 5,
                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 68
            },
            {
                "ticker": "XOM",
                "weight_pct": 10,
                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector"
                ],
                "factor_evidence_confidence": 0,
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                "score": 0,
                "signal": "HOLD",
                "sector": "Energy",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 64,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "lens": "defensive_quality",
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                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
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                "factor_evidence_confidence": 0,
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            },
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                "ticker": "MMM",
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                "score": -0.39000000000000001332267629550187848508358001708984375,
                "signal": "HOLD",
                "sector": "Industrials",
                "profile": "cyclical",
                "lens": "macro_cyclical",
                "classification_confidence": 74,
                "classification_quality": "usable",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "cyclical_sector",
                    "beta_supports_cyclical"
                ],
                "factor_evidence_confidence": 0,
                "factor_evidence_score": null,
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                "factor_has_sufficient_evidence": false,
                "factor_matched_factors": [],
                "top_factor": null,
                "top_factor_direction": null,
                "lens_confidence": 74
            },
            {
                "ticker": "T",
                "weight_pct": 10,
                "score": -1.95999999999999996447286321199499070644378662109375,
                "signal": "HOLD",
                "sector": "Communication Services",
                "profile": "income",
                "lens": "income",
                "classification_confidence": 86,
                "classification_quality": "strong",
                "classification_ambiguous": false,
                "classification_reason_codes": [
                    "high_dividend_score",
                    "high_dgps"
                ],
                "factor_evidence_confidence": 0,
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        ],
        "coverage": {
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            "dividend_pct": 100,
            "trend_pct": 100,
            "macro_pct": 100
        },
        "diagnostics": {
            "risk_level": "low",
            "risk_profile": {
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                "target_sector_weight": 0.299999999999999988897769753748434595763683319091796875,
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                "beta_band_min": 0.59999999999999997779553950749686919152736663818359375,
                "beta_band_max": 1
            },
            "profile_mix": {
                "cyclical": 30,
                "defensive": 20,
                "core": 20,
                "turnaround": 20,
                "income": 10
            },
            "lens_mix": {
                "macro_cyclical": 30,
                "defensive_quality": 20,
                "core_quality": 20,
                "recovery": 20,
                "income": 10
            },
            "classification": {
                "avg_confidence": 62.7999999999999971578290569595992565155029296875,
                "quality": "usable",
                "low_confidence_weight_pct": 20,
                "ambiguous_weight_pct": 0,
                "weak_count": 2,
                "low_confidence_tickers": [
                    "PG",
                    "KO"
                ]
            },
            "factor_evidence": {
                "avg_confidence": 0,
                "quality": "weak",
                "low_confidence_weight_pct": 100,
                "missing_weight_pct": 100,
                "aligned_weight_pct": 0,
                "avg_lens_confidence": 62.7999999999999971578290569595992565155029296875
            },
            "sector_context": {
                "scores": [],
                "top_sector": "Consumer Defensive",
                "top_sector_score": null,
                "top_sector_detail": null
            },
            "market_regime": {
                "selected_code": "",
                "mode": "missing",
                "score": null,
                "weights_pct": {
                    "OSL": 0,
                    "US": 0,
                    "GLOBAL": 0
                },
                "selected_regime": null
            },
            "data_gaps": [
                "Missing grade data for part of the portfolio",
                "Missing lens-specific factor evidence for large parts of the portfolio",
                "Weak factor evidence confidence reduces forward-looking reliability"
            ]
        },
        "insights": [
            {
                "id": "weighted_score",
                "value": 0.95999999999999996447286321199499070644378662109375,
                "tone": "warn",
                "status_key": "good"
            },
            {
                "id": "target_invested_pct",
                "value": 58.10000000000000142108547152020037174224853515625,
                "cash_pct": 41.89999999999999857891452847979962825775146484375,
                "stance": "balanced",
                "confidence": 62.39999999999999857891452847979962825775146484375,
                "tone": "warn"
            },
            {
                "id": "effective_positions",
                "value": 10,
                "tone": "good"
            },
            {
                "id": "largest_position",
                "value": 10,
                "ticker": "JNJ",
                "tone": "good"
            },
            {
                "id": "top_sector",
                "value": 30,
                "sector": "Consumer Defensive",
                "tone": "good"
            },
            {
                "id": "signal_mix",
                "buy": 30,
                "hold": 70,
                "sell": 0,
                "tone": "good"
            },
            {
                "id": "portfolio_trajectory",
                "value": "stable",
                "tone": "warn",
                "confidence": 3.79999999999999982236431605997495353221893310546875
            },
            {
                "id": "weighted_beta",
                "value": 0.419999999999999984456877655247808434069156646728515625,
                "tone": "good"
            },
            {
                "id": "macro_alignment",
                "value": 0.200000000000000011102230246251565404236316680908203125,
                "tone": "risk"
            },
            {
                "id": "lens_confidence",
                "value": 62.7999999999999971578290569595992565155029296875,
                "tone": "warn"
            }
        ],
        "suggestions": [
            {
                "tone": "warn",
                "code": "diversify_sector",
                "sector": "Consumer Defensive",
                "weight_pct": 30
            },
            {
                "tone": "risk",
                "code": "hold_higher_cash_buffer",
                "cash_pct": 41.89999999999999857891452847979962825775146484375,
                "invested_pct": 58.10000000000000142108547152020037174224853515625,
                "deployment_speed": "gradual"
            },
            {
                "tone": "warn",
                "code": "expand_factor_coverage",
                "missing_weight_pct": 100
            },
            {
                "tone": "risk",
                "code": "review_weak_positions",
                "tickers": [
                    "T",
                    "PEP",
                    "MCD"
                ]
            }
        ],
        "portfolio_input": {
            "cash_balance": 0,
            "holdings_value": 100000,
            "total_value": 100000,
            "cash_pct": 0,
            "invested_pct": 100,
            "missing_tickers": []
        }
    }
}

PORTIQA outputs are quantitative analysis for informational purposes only and do not constitute investment advice. See the financial disclaimer.

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