If I had to pick just one stock to invest in for passive income over the next five years, MONY Group would be at the top of my list. MONY is a UK-based company best known for its popular brands, including MoneySuperMarket and MoneySavingExpert. These platforms help people save money by comparing prices on everything from energy bills to insurance and more. But MONY isn’t just a savings helper for its users—it’s also a powerful passive income generator for its investors. Here’s why I’d feel confident putting all my investment funds into this stock.

Why Only One Stock?

Investors often hear it’s best to spread their money across multiple stocks to reduce risk, which makes sense for most people. But in reality, I only have small amounts to invest at a time. Since buying several stocks isn’t always an option for me, I focus all my available funds on just one stock for passive income at any given moment. However, the rest of my portfolio is still diversified. By carefully picking one stock at a time, I aim to make each choice count and grow my returns gradually.

Strong Brands with Steady Income

One of the main reasons I like MONY is because it has strong brands that people recognize and trust. Companies like MoneySuperMarket and MoneySavingExpert have become popular tools for people who want to save on their monthly expenses. These sites allow users to compare costs for various services, from car insurance to credit cards. Thanks to this, MONY has built a reliable stream of cash coming in. Even during tough economic times, people look for ways to cut costs, making MONY’s services useful and in demand.

While the share price has dropped recently, it doesn’t change the strength of the company’s cash flow and commitment to paying dividends. Right now, MONY’s dividend yield for 2025 is predicted to be over 6.7%. That’s quite attractive compared to the average yield of 3.7% for other UK stocks.

Why the Price Drop?

If the company is doing so well, why is the share price going down? The main reasons seem to be economic uncertainty and a drop in earnings from MONY’s energy-related services. Energy prices have been fluctuating, and this has affected the earnings from MONY’s services in that area. But the company has a diverse portfolio, so one area’s dip doesn’t mean the whole business is struggling. With MONY’s strong base of brands, I see this as an opportunity to consider buying the stock at a lower price.

Building Passive Income with MONY

For people looking to build a steady passive income, dividend stocks can be a great option. Dividends are a portion of the company’s profits paid to shareholders, so investing in a company like MONY that has a good track record with dividends can help create a reliable income stream. And MONY’s dividends have been stable and gradually increasing over the years. Even though MONY’s share price has been a bit rocky, the company has consistently provided dividends to its investors, which is promising for anyone wanting to build passive income.

Potential Risks

Of course, no investment is risk-free, and MONY is no exception. One risk is the competition in the comparison website industry. New competitors could emerge, potentially threatening MONY’s market share. Additionally, the businesses that work with MONY, like insurance companies, could decide to stop partnering with them. However, MONY’s management seems aware of these risks and is actively working to address them.

Staying Competitive with New Technology

To keep its place in the market, MONY has been using technology to improve its services. The company is continuously testing new ideas and launching new products to attract and retain customers. So far, this strategy has been successful, and MONY has a solid financial record. The recent third-quarter report even included an optimistic outlook, suggesting that the company is on track to meet its goals for the year. City analysts predict MONY’s earnings could increase by about 26%, which is a strong indication of growth.

My Long-Term Strategy with MONY

Although I’m fully invested at the moment, MONY is right at the top of my watchlist. I’m keeping a close eye on the stock and might consider buying it when I have more funds. The idea is simple: invest in MONY and hold onto it for at least five years, reaping the benefits of its reliable dividends along the way.

By focusing on just one stock, I can invest my money thoughtfully and without spreading myself too thin. Each time I add a new stock to my portfolio, it’s as if that one stock is my only option. So, I do thorough research, consider potential risks, and pick a stock that I believe will offer steady returns. And right now, MONY seems like a perfect fit for that approach.

The Bottom Line: MONY as a Solid Pick for Passive Income

Investing in MONY isn’t about quick profits or dramatic gains—it’s about patience and steady growth. The company’s trusted brands, reliable cash flow, and attractive dividend yield make it a solid choice for anyone looking to build passive income. While there are some risks, the rewards seem promising for those who can hold onto the stock long-term. And for me, the chance to potentially earn a 6.7% yield in 2025 is reason enough to keep MONY in my sights.