The stock has fallen off a cliff... Will the dividend do the same? ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

AN OXFORD CLUB PUBLICATION

Loyal reader since June 2022

View in browser SPONSORED Trump's Exec Order #14154 - A "Millionaire-Maker" Donald Trump has cheated death. He's overcome insane and criminal vote rigging. And survived every indictment and impeachment thrown at him. But his next move could make him a legend - and perhaps the most popular president in U.S. History. Former Presidential Advisor, Jim Rickards says, "Trump is on the verge of accomplishing something no President has ever done before." And if he's successful, it could kick off one of the greatest wealth booms in history. We recently sat down with Rickards to capture all the key details on tape. For the moment, you can watch this interview free of charge - just click here. SAFETY NET This Popular 7.1% Yielder Could Be a Trap Marc Lichtenfeld, Chief Income Strategist, The Oxford Club In The Oxford Clubroom a few weeks ago, I was asked for my thoughts on Pfizer (NYSE: PFE), which has a huge yield for a blue chip company. I mentioned that I think the stock is a value trap, as earnings are projected to fall over the next 10 years. The stock has been a dog for 3 1/2 years since reaching its all-time high in late 2021. Today, it trades at less than half that level. Nevertheless, it's easy to understand why income investors are interested in Pfizer. With a current yield of 7.1%, it's one of the highest-yielding stocks in the S&P 500. Let's dig into the dividend and see whether it's in any better shape than the stock. From a cash flow perspective, Pfizer is a victim of its own success. The COVID-19 vaccine generated huge amounts of free cash flow in 2021 and 2022. Since then, the company's cash flow has evaporated. After hitting a peak of $29.9 billion in 2021, free cash flow plummeted to just $4.8 billion in 2023. Last year, free cash flow more than doubled to $9.8 billion, but that was still lower than any year in the past decade other than 2023. This year, it is forecast to grow sharply again to $17.7 billion. View larger image   SPONSORED Trump's Favorite AI Energy Stock?? It's wildly profitable - Over $3 billion in operating income. It has a partnership with the hottest AI stock on Wall Street. And Trump has publicly backed it? Get the details on #1 AI energy stock here. While this year's free cash flow is projected to jump from last year's and be higher than any non-pandemic year's, the dividend safety rating gets a penalty because of the negative three-year growth. Next year, that will change when the 2022 vaccine windfall ages out of the model. But for now, it lowers the dividend safety by one notch. Another issue is last year's payout ratio. Pfizer paid shareholders $9.5 billion in dividends out of its $9.8 billion in free cash flow. A 97% payout ratio is too high. However, because of this year's anticipated free cash flow growth, the payout ratio is expected to shrink to a more comfortable 54%. Clearly, this is a unique situation, with the ripple effects from the pandemic still affecting the company's cash flow growth and payout ratio. How much do you trust Pfizer to maintain its dividend? What grade would you give it? Share your grade by clicking one of the buttons below. (You'll be able to finish reading on the next page.) A B C D F BUILD AND PROTECT YOUR WEALTH 🔐 Nvidia's "Secret Sauce" Revealed? Uncover the Hidden Partnership That Could Be the Key to AI Dominance Here's Why Utilities Are Outperforming This Down Market Why They're Ditching the Mag 7 and Quietly Pouring Billions Into Unknown AI Stocks! The Ideal Investment Technique for Small Investors MORE FROM WEALTHY RETIREMENT The Most Boneheaded Blunder of My Career Applied Materials: Is It Time to Buy This Semiconductor Giant? The Trading Strategy With a 100% Win Rate in 2025 Stag Industrial: A Monthly Dividend Payer With a Solid 4.7% Yield Facebook LinkedIn Email Share Push Alert SPONSORED Little-known AI Stock Could be the Next Tech Giant The biggest profits of this $26.5 trillion AI revolution will NOT come from the likes of NVIDIA (NVDA), Microsoft (MSFT), or any other company you've heard of. The real money is in the smallest companies with the biggest upside - the ones operating in "stealth mode" that aren't blabbering to the media or huge PR firms. Manward Press Chief Investment Strategist, Shah Gilani, will release the details on these AI Stealth Stocks. The best part? They're still insanely cheap. In fact, one is trading for around $1. For now. Click here to see Shah's urgent briefing. You are receiving this email because you subscribed to Wealthy Retirement. Wealthy Retirement is published by The Oxford Club. Questions? Check out our FAQs. Trying to reach us? Contact us here. Please do not reply to this email as it goes to an unmonitored inbox. Privacy Policy | Whitelist Wealthy Retirement | Unsubscribe © 2025 The Oxford Club, LLC All Rights Reserved The Oxford Club | 105 West Monument Street | Baltimore, MD 21201 North America: 877.808.9795 | International: +1.443.353.4621 Oxfordclub.com Nothing published by The Oxford Club should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed personalized investment advice. We allow the editors of our publications to recommend securities that they own themselves. However, our policy prohibits editors from exiting a personal trade while the recommendation to subscribers is open. In no circumstance may an editor sell a security before subscribers have a fair opportunity to exit. The length of time an editor must wait after subscribers have been advised to exit a play depends on the type of publication. All other employees and agents must wait 24 hours after publication before trading on a recommendation. Any investments recommended by The Oxford Club should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. Protected by copyright laws of the United States and international treaties. The information found on this website may only be used pursuant to the membership or subscription agreement and any reproduction, copying or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of The Oxford Club, LLC, 105 West Monument Street, Baltimore, MD 21201.