🌳 The Evergreen Portfolio – Build Wealth That Lasts

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If your investments were a forest, would they still be standing 30 years from now?

In this week’s edition of The Steady Climb, we’ll uncover the timeless principles behind The Evergreen Portfolio — a resilient, income-generating, and self-sustaining mix of investments designed to weather economic storms and thrive across generations.

🍃 What Is an Evergreen Portfolio?

An Evergreen Portfolio is one that:

• Grows over time

• Provides income

• Preserves capital

• Requires minimal intervention

It’s not about chasing the next shiny object. It’s about crafting a portfolio that works quietly in the background, year after year — like a well-rooted tree.

Evergreen investing means:

✅ You sleep well at night
✅ You collect growing dividends
✅ You don’t need to “fix” things constantly

TL;DR:

• Evergreen = longevity + low maintenance + consistent returns.

🌱 Why You Need One (Especially in Uncertain Times)

Markets fluctuate. Trends fade. But principles endure.

The Evergreen Portfolio isn’t immune to volatility — it’s built for it.

During downturns, it protects your capital.
During upswings, it captures solid returns.
During chaos, it quietly compounds.

📦 The Building Blocks of an Evergreen Portfolio

Here’s how to structure one:

1. Dividend-Growing Stocks (40–50%)

Companies that consistently raise dividends signal:

• Financial strength

• Discipline

• Long-term vision

Examples:

• PepsiCo (PEP)

• Johnson & Johnson (JNJ)

• Procter & Gamble (PG)

2. Broad Index Funds (30–40%)

These give you:

• Low-cost diversification

• Exposure to economic growth

• Long-term stability

Examples:

• Vanguard Total Market ETF (VTI)

• Schwab S&P 500 ETF (SCHX)

3. Bonds or Bond Funds (10–20%)

They provide:

• Income during volatility

• Lower drawdown risk

Examples:

• iShares Core U.S. Aggregate Bond ETF (AGG)

• Treasury Inflation-Protected Securities (TIPS)

🧠 The Evergreen Investor Mindset

Patience is the fertilizer of wealth.

You don’t need to be clever — you need to be consistent. The Evergreen Investor:

• Doesn’t chase hype

• Avoids emotional decisions

• Reviews their portfolio once or twice a year

Instead of asking: “What will make me rich fast?”, ask:
“What will keep growing even if I forget about it?”

🔍 Evergreen Stock Spotlight

Here are three classic evergreen companies:

🧼 1. Procter & Gamble (PG)

• Makers of Tide, Pampers, Gillette

• Dividend Aristocrat with 65+ years of increases

• Global, stable, boring — and brilliant

🥤 2. PepsiCo (PEP)

• Snack & drink powerhouse (Lay’s, Gatorade, Pepsi)

• Consistent earnings and dividend hikes

• Strong in all economic cycles

💊 3. Johnson & Johnson (JNJ)

• Healthcare conglomerate with resilience

• 60+ years of dividend increases

• Built to withstand inflation and recessions

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🛠️ Tools to Automate and Maintain Your Evergreen Portfolio

Use these to build and forget (but not forever):

• Brokerage platforms: Fidelity, Schwab, Vanguard

• Auto-investing apps: M1 Finance, Betterment

• Dividend tracking tools: Simply Safe Dividends, Sharesight

• Rebalancing alerts: Morningstar, Empower

Set it up. Let it run. Check once or twice a year.

✅ Your Action Plan

1. Review your portfolio — Are you overexposed to speculation?

2. Pick one evergreen stock and start building a position.

3. Set up automatic monthly contributions to a broad index fund.

4. Schedule a 6-month review calendar alert — not weekly check-ins.

🌲 Final Thoughts: Grow Like a Tree

The tallest trees don’t rush. They grow deep roots. They bend but don’t break. And they last through every season.

Your Evergreen Portfolio should do the same.

It may not outperform every year. But over the long run?
It outlasts the fads. It outgrows the noise. It outbuilds the rest.