US Stock Preference & Allocation (Excel) Budget-Fit Finder for US Investors

You funded your GoTrade account. Now the honest question: "What do I actually buy and what will I really receive?"

US investing looks simple until the details hit: which names pay monthly vs quarterly, what the 25% withholding tax takes off the top, and what your dividends are actually worth in pesos. This template puts all of that math in front of you before you buy. A screener, not a guru.

✅ Monthly payers, ranked at a glance. Want income that lands every month? The template ranks every 12x-a-year payer in the universe by yield JEPI, O, MAIN, STAG, ADC and more instantly, so you can see the monthly-income landscape in one look.

✅ Fractional means every dollar gets allocated exactly. No board lots on GoTrade. Enter your budget ($500, $100, anything) and how many positions you want; the basket splits it to the cent, with shares computed to 4 decimals. Your whole budget works from day one.

✅ See your REAL income — net of tax, in pesos. Most templates show gross dividends. This one shows what actually reaches you: gross → net after the 25% US-PH treaty withholding tax (editable, with a W-8BEN reminder) → converted to pesos at your rate. No surprises on payout day. MLP tax caveats (EPD, ET, MPLX) included in the Guide.

✅ Screen with YOUR rules including a built-in yield-trap filter. Set minimum yield, maximum yield, and max price per share. The shortlist rebuilds instantly. The max-yield rule quietly filters out yield traps like covered-call funds whose double-digit "yields" are mostly return of capital and the sheet explains why.

✅ 50 US dividend payers built in plus core index options. Dividend ETFs (SCHD, VYM), covered-call ETFs (JEPI, JEPQ), monthly REITs (O, STAG, ADC), BDCs (MAIN, ARCC), energy, staples, healthcare and more grouped by sector with editable prices and yields. SPY and VOO included as Core Index options, honestly labeled with their low yields (the screener correctly never calls them income stocks). Appearing on the list is factual data, never a recommendation.

✅ Diversify with a built-in sector check. Set sector targets (say, 30% Dividend ETFs / 20% REITs), watch your basket compared against them live, and get an automatic warning if two picks share a sector.

✅ Fully editable, no macros, no subscriptions. Pure Excel formulas you can inspect. Works in Excel and imports to Google Sheets. Buy once it's yours forever, downloadable anytime from your library.

What's inside (4 sheets):

• Cover & step-by-step Guide (with W-8BEN and MLP tax notes most templates never mention)
• Stock Preference — 50 US dividend payers grouped by sector
• Allocation — budget + USD→PHP inputs, monthly-payers ranking, sector allocation targets, 10-slot fractional basket with net-income-in-pesos math, and the criteria screener shortlist

Who this is for: Filipinos building a US dividend portfolio on GoTrade or any fractional broker from your first $5 to a full income machine. Perfect before you buy; pairs with the US Dividend Portfolio Tracker for after.

Instant digital download. Excel (.xlsx), no macros, Google Sheets compatible.

OJPH Templates | For personal use. Educational tool not financial advice. The stock list is factual market data; passing the screen means matching your criteria, not a buy signal. Prices/yields are approximate samples — always update and confirm with your broker. Dividends are never guaranteed.