| name | dividend-tracking |
| description | Refresh the local DB, then read and analyze DIVIDEND rows from family_office.db for Layer 2 income tracking. Sync-first so dividend income is never stale; symbol resolution for null tickers is handled in the activities sync. Triggers on sync dividends, update dividends, dividend tracker, layer 2 income, or monthly dividend analysis. |
Dividend Tracking
Purpose
Read received-dividend records from the local DB transactions table (refreshed sync-first) and report Layer 2 income against target.
family_office.db is the system of record. The Dividends sheet and its Apps Script automation were retired 2026-07-31.
Step 0: Refresh (sync-first, mandatory)
Dividend records come from the DB, refreshed FIRST so income can never be stale. Follow the shared Sync-First + DB-Read pattern.
uv run python -m src.integrations.snaptrade.sync_transactions_db
uv run python -m src.integrations.snaptrade.sync_transactions_db --show
Completion criterion: the transactions table carries this run's synced_at before any dividend is read.
Reading dividends
sqlite3 family_office.db \
"SELECT date, symbol, amount, description FROM transactions WHERE type = 'DIVIDEND' ORDER BY date;"
Each row carries date, symbol, amount, and description. Null-symbol dividends already have a ticker resolved during the activities sync (parsed from the description, for example ... ETF (SCHD), mirroring the positions/options symbol fallback), so symbol is reliable.
Dedupe needs no external ledger: the activities sync is idempotent via dedupe_key, so re-running never double-counts.
Monthly analysis
Aggregate by ticker and month:
sqlite3 family_office.db \
"SELECT strftime('%Y-%m', date) AS month, symbol, ROUND(SUM(amount), 2) AS received
FROM transactions WHERE type = 'DIVIDEND'
GROUP BY month, symbol ORDER BY month DESC, received DESC;"
Monthly total against the Layer 2 target:
sqlite3 family_office.db \
"SELECT strftime('%Y-%m', date) AS month, ROUND(SUM(amount), 2) AS total
FROM transactions WHERE type = 'DIVIDEND' GROUP BY month ORDER BY month DESC LIMIT 12;"
Evaluation standard
- Judge holdings on trailing 12-month yield, not month-to-month distribution changes.
- ±5-15% monthly distribution variance is NORMAL for options-based funds. Do not flag it as risk.
- Sell triggers are red flags only: sustained decline greater than 30%, NAV erosion, or a strategy change. Not normal variance.
Margin coverage
Dividend income against margin interest is the coverage ratio that drives the scaling triggers. See the margin-management skill; do not recompute the thresholds here.
CSV fallback
notebooks/updates/dividend.csv (the Fidelity dividend view export) remains a manual reconciliation source if the live activities sync is unavailable. It is not the primary path.
Reference Files
- User Profile:
fin-guru/data/user-profile.yaml
- Sync-first pattern:
.claude/skills/_shared/SyncFirstDbRead.md
- Income vehicle framework:
fin-guru/data/modern-income-vehicles.md
Educational purposes only. Not investment advice. Dividend distributions are not guaranteed, past yield does not predict future income, and options-based income funds carry risk of principal loss. Consult licensed financial and tax professionals before acting.
Skill Type: Domain (workflow guidance)
Enforcement: SUGGEST
Priority: High
