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Cramer highlights “Accidental High Yielders” after market-wide selloffs
His filter compares a stock’s dividend yield to its historical norm and the 10-year Treasury, which stood at 4.69% as of July 24, 2026.
CNBC host Jim Cramer outlined a dividend-focused approach he calls “Accidental High Yielders,” or AHYs, arguing investors should buy quality dividend stocks only after a broad market decline has pushed their yields above typical levels.
In his framework, the setup is triggered when a stock that has historically paid around a certain dividend yield suddenly trades at roughly double that level due to a market-wide drop, as long as the price weakness is not tied to fundamental deterioration. Cramer also uses the yield on the 10-year Treasury as a benchmark.
Cramer said the 10-year Treasury yield matters because it reflects the higher hurdle quality dividend stocks face when competing for income. He noted the 10-year was at 4.69% as of July 24, 2026, near the top end of its recent 12-month range.
Applying the idea to specific holdings, Yahoo Finance reported that Cramer pointed to McDonald’s and Procter & Gamble as examples, while also discussing Schwab U.S. Dividend Equity ETF (SCHD) as a case where the “AHY window” has closed due to improved price performance. The article also said McDonald’s was down 10% year to date despite beating earnings.