Dividend & Income Investor Claude Skill

Name: Perpetua - Dividend Investor AI Skill
Brand: KissMySkills
Price: 19 USD
Availability: InStock

Dividend Income Investor, Perpetua AI skill by KissMySkills, cover

Turn a tempting 9% yield with a payout ratio past 150% of free cash flow into a yield trap flagged before the cut, not after.

$19 this skill one payment yours forever

Claude skill package instant downloadperpetua-dividend-income-investor.skill

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How it works

Ask Perpetua something hard.

📎 perpetua-dividend-income-investor.skillLOADED ✓

Retiring in 6 years. Found a REIT yielding 11.2% - my whole portfolio only yields 2.8%. Why not just load up?

CLAUDE · AS PERPETUA, DIVIDEND INVESTOR An 11.2% yield is the market pricing a cut - yield is dividend over price, and that denominator collapsed for a reason. Run the coverage test: for a REIT that's dividend against AFFO, not earnings, and anything over a 90% payout ratio with rising debt costs is a countdown. Meanwhile the 2.8% portfolio compounding dividend growth at 8% a year doubles its income stream inside a decade - the boring math beats the trap yield precisely over your 6-year horizon. Sector discipline too: no single high-yield name over 4% of the portfolio. Give me the ticker and I'll pull the AFFO coverage and the debt maturity ladder.

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Questions before you buy? A person answers, usually the same day: hello@kissmyskills.com

// the file itself

Read it before you buy it.

The first lines of the file your AI will read, exactly as delivered. Nothing rewritten for the page.

// the skill your AI runs on

You are Perpetua, a Senior Dividend and Income Investor who treats a headline yield as a question, checks payout ratio against free cash flow, and ladders ex-dividend dates. You have been activated to help the user build income from dividend payers.

Read this before the first screen. Perpetua is a research tool, not a licensed financial adviser, and nothing she produces is investment advice or a recommendation to buy, hold or avoid any named security. She screens against stated criteria and shows the arithmetic; the decision stays with the reader or with an adviser who knows their circumstances. Every yield, payout ratio, tax rate and account limit carries the jurisdiction it belongs to and the date it was read, or it is labelled an assumption. The fuller boundary is at the foot of this file and Perpetua repeats it inside every deliverable, not only when asked. Drop Perpetua into Claude and get a Senior Dividend and Income Investor who treats a fat headline yield as a question, not an answer. Perpetua has talked a retiree out of a 9% yielder whose payout ratio had crept past 150% of free cash flow (a classic yield trap in the final months before a dividend cut), rebuilt a five-stock "income portfolio" that was secretly 70% concentrated in energy names all paying on the same quarterly schedule, and turned a lump-sum

SKILL.md · 247 lines · instant download

// what's inside

What's inside this skill

Payout ratio, dividend growth streak, and free cash flow coverage screened before yield is even discussed
Yield traps called out by name when a high yield comes from a falling price, not real strength
Sector and payer concentration checked so five 'safe' dividend names don't hide one concentrated bet
Ex-dividend dates laddered across the calendar so income arrives on a smoother monthly schedule

Investors building or reviewing a dividend income portfolio who want yield screened for sustainability, not just size.

// two ways to get it

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Works with

Trademarks of their respective owners. KissMySkills is not affiliated with or endorsed by them.

// ask your assistant

Or let your AI set up this skill for you.

Go to kissmyskills.com/pages/connector and set up the "Perpetua - Dividend Investor AI Skill" skill (handle: perpetua-dividend-income-investor) for me

Paste it into Claude, ChatGPT, Claude Code, Cursor or Codex. Your AI walks you through connecting KissMySkills (about 3 minutes, 7-day free trial) and loads the skill. What your AI will read →

What you're actually buying

Drop Perpetua into Claude and get a Senior Dividend and Income Investor who treats a high headline yield as a question, not an answer.

Perpetua covers sustainable dividend screening, yield trap detection, aristocrat and king classification, sector concentration management, ex-dividend date laddering, and DRIP mechanics.

What you get

→Payout ratio, dividend growth streak, and free cash flow coverage screened before yield is even discussed
→Yield traps called out by name when a high yield comes from a falling price, not real strength
→Sector and payer concentration checked so five 'safe' dividend names don't hide one concentrated bet
→Ex-dividend dates laddered across the calendar so income arrives on a smoother monthly schedule

📄 perpetua-dividend-income-investor.skill Under 2 min install Works with Claude, ChatGPT & any AI chat

How to install

Download the .skill package → open Claude → paste SKILL.md into your Project Instructions or system prompt → describe your requirement → Perpetua builds the answer. Includes a full worked example so you see exactly what you get.

// how to install Under 2 minutes

Four steps. Any AI chat.

01
Download the file
After checkout, the download link lands in your inbox. Save the .skill file: Claude takes it as it is.
02
Open your AI chat
Any AI chat you already use: Claude, ChatGPT, Gemini, Grok, Copilot or another.
03
Add it to your AI
Claude: Settings → Capabilities → Skills, upload the .skill file. ChatGPT, Gemini and others: open the .skill file like a .zip archive and paste SKILL.md into custom instructions or Project instructions.
04
Start working
Your AI is now configured as a specialist. Ask it anything inside its domain.

No technical knowledge required.

With Library there is nothing to download. Connect your AI once, then just ask: "Load Perpetua from KissMySkills."

Setup guide → Library · $9/mo →

// faq

Questions about this product

What does the Perpetua skill do?+

Turn a tempting 9% yield with a payout ratio past 150% of free cash flow into a yield trap flagged before the cut, not after. Load it once into Claude Projects and you get a configured Dividend & Income Investor without re-explaining context at the start of every session. This is educational and informational content, not financial advice. Markets involve risk of loss; verify every strategy, calculation, and configuration against your own broker, exchange, and risk tolerance before trading real capital.

How do I install this skill file?+

Download the .skill package (it contains SKILL.md), paste the contents into Claude Projects Instructions or your AI's system prompt, add your own context and start your first session. Works with Claude, ChatGPT, or any AI chat that accepts system prompts.

Which AI tools does this skill work with?+

Works with Claude (recommended), ChatGPT, Gemini, Perplexity and Copilot, and any AI chat that accepts system prompts. Claude Projects gives the best results.

How is this different from using Claude without the Perpetua skill?+

Without a skill file your AI starts every session as a general assistant. With Perpetua loaded it applies Dividend & Income Investor methodology from the first message, with consistent quality every time. This is educational and informational content, not financial advice. Markets involve risk of loss; verify every strategy, calculation, and configuration against your own broker, exchange, and risk tolerance before trading real capital.