Fabulous “no frills or hype” update (as always!) anyone watching this content PLEASE PLEASE start investing! My Vanguard ISA portfolio (ETFs & Funds I’ve selected) has gone up considerably (£8k!) and all I’ve invested is 2 years worth of my full ISA allowance (40k) yes it was a struggle to find that money, but so worth it to see the growth…and eventually when I take the money out it’ll be tax free
A couple of months ago i started investing about 50% growth 50% dividends i started with a lump of 4000 pounds but ive just sold some old equipment so iv3 been able to put in another 5000 all i can say is that feeling when i got paid my first £1.12 i felt so good and it was realy encouraging
I love your comment but just on a side note, I wouldn’t sell things or force putting funds into your investment account, only extra funds you wouldn’t miss. I consider any money I invest as spent and GONE, simply for the fact that anything can happen including your money being lost completely by both the economy itself or the banks that hold your funds.
@BIG2hats thanks for your concern but it was old farm equipment I dont use any more as I changed jobs. Considering it as lost is a good perspective one which I think I'll adopt from now on
The power of compounding, you might do £100k in 12 months which is incredible. Btw i was one of the people 2 years ago wondering why you were in VHYL instead of VWRL, glad to see you’ve seen the light!
Iv been doing forex and getting about £800-£1k a month and rather than letting that compound like I have been I’m going to start putting the profit into my dividend portfolio, convert the high risk high profit into more stable income.
Another great video. I wish this sort of information had been easily available when I started investing in the late 80’s. I’ve done fine but it was definitely a more lonely road in those days and with trading done by phone and at £20 a trade it wasn’t very immediate. Anybody starting today viewing content like yours will certainly do better than I did in the early days. Thanks and long may you continue.
hello :) I was here a long time ago when I saw the "3" hundred figures in titles' videos, now it is "4" hundred, can't wait to see the "5" hundrers figures !!! Amazing journey, keep going and well done.
Great to see your portfolio moving upwards.Mine is standing at £78695.55 Up 79.97%. Going to wait till the 1st August for Rolls-royce half year results to see which way I am going to go .Totally with you on Persimmon keep investing and good luck
I was in RR at 80p or similar and got out just over 400p but regretted it of course as they went to 480p but I think the upside and downside risk is near balanced. RR's approach to contracts is fine but they will (and have) lost business because of their changes. Are the prices already feeding in data from 2024/25 usage figures or will the flight numbers fall back ? I'd love to have stayed in but with no dividends now and perhaps only 1% to 2% dividends if they restart, you're relying on a 40p+ growth in the share price to get anywhere near 10% per annum and that is rather safely available elsewhere.
great video as always. Encouraged me to grow a pair and move jobs so that I can buy more dividend paying shares. This is still our first year, and me and partner should end up with around £23k by the end of it. so far up to £63.37 average ‘passive income’ a month. have to be honest I’m falling for ‘stamp collecting’ mentally, where I have just got to catch ‘em all.
£63 a month is a nice sum indeed. It was so motivating working towards achieving the magic £100 a month. Things got faster and easier after that. Good luck on your journey
If you was to start investing again right now what would you invest in and what would your portfolio look like? Love the videos and the way you looked at dividend investing to get going
I love your videos. Fantastic content. Very inspiring and motivating. I’ve been watching you for a few months now I remember binge watching your content the other month for hours haha. Got a question though, you have a lot of stocks in the red this year. Please don’t take offence but do you ever wonder if you should’ve invested in S&P 500 stocks instead? Microsoft and such. You would’ve done so much better this year.
Thanks. My Barclays platform only allowed investing in individual overseas companies 2 years ago so I’ve grown accustomed to buying U.K. stocks. ETFs were not mainstream when I started. These days I invest quite heavily in the S&P500. Over 30k has gone in over the last couple of years. This should help going forward.
One thing I noticed if you would have just dca into a global fund or S&P 500 you would have far better growth. A fantastic achievement to get this far on dividends
Thanks. ETFs were not mainstream when I started back in 2009 and I had not even heard of them until several years later but I agree it would have performed much better. I’m adding a lot more to ETFs these days especially the S&P500
It would be interesting to see that comparison, do you have video to show 2009 - 2024 of your stocks (inc dividends) vs if you would have invested in an ETF? Or is it too painful to look.
Welldone on achieving your goal on getting all your outgoings paid for thats excellent!!.im on same journey & its so motivating seeing my own dividends compounding 😊
There is no goldilocks zone for interest rates. It's just a price, and it's being manipulated by a central authority, which causes distortions in the economy.
Hi great content and insights. Was wondering when does an ISA get too big compared to putting into your SIPP. Too much on an ISA when the same investments plus the tax relief is food for thought.Cheers.
Thanks, I should have looked into a SIPP years ago and regret not doing so. I do contribute quite a lot however to a defined benefit work pension, so I’ll probably just continue filling the ISA each year and investing any extra into my GIA. I keep the low or zero dividend payers outside of the ISA
Keeping bees and studying the global aspects of the subject is what got me into the stock market. Apart from the odd sting , both subjects have produced a nice amount of honey.
Congrats on the progress. 500K milestone is in sight. I'm still struggling to break 400K, I was at 395K and National Grid’s rights issue dragged me back as its my biggest holding, momentum looks good though. 📈
That's impressive. Well done. I'm a big fan of NG. hopefully the rest of 2024 will be good for UK shares and the British ISA might actually be a thing next year too.
Thanks for another great video. I see that you have rebalanced your individual companies. Do you ever consider rebalancing between ETFs and individual companies?When I was in my late 50's I had a 70/30 individual company/ETF split. Now that I'm in my mid 60s I have a 50/50 split and plan to have a 30/70 split by the time I reach 70. My rationale in doing this is that ETFs are less risky than individual companies because of diversification.
Absolutely agree Derek. As time goes buy I'll be buying far more ETFs than individual shares. This should rebalance itself going forward. I don't have plans to sell any individual shares at the moment, I just think most new money will be going into VWRL.
Thanks for another great update UKW & house builders look good for the next term. A very motivational video which shows the power of compounding, I’m liking your ETF’s to will take a look at VWRL 👍
Thanks so much. Unfortunately the limit is 20k a year so once this is exceeded I have to use my general investing account in order to continue investing.
Another very insightful video. When you mentioned the two companies you keep outside you ISA, you spoke of a new ISA coming next year.... any more details on this?
Thanks. There are plans for a British ISA next year which would mean an extra £5000 a year could be shielded from dividend tax and capital gains tax but it must be invested in U.K. shares / funds. With the change of government however this might not actually happen. Hopefully it will.
Great video. Just out of interest you say you started with 5k and invested spare money each month. Do you mind me asking what sort of amounts did you orginally start investing each month? Has it remained consistant or did you gradually increase ?
Thanks. Original plan was to put between £500 to £1000 in per month but as the years went by wages tend to rise. The average over the 15 years is around 1.4k per month on new money going in. I did pay the mortgage off before starting which helped a big deal.
What are your thoughts on individual investments with the S&S ISA vs. FTSE Global / S&P 500. And why have you went for income/distributing over accumulating?
I might be missing something what's the point in holding single stocks when the ETFs also hold those stocks? I get that the concentration increases the income received but the risk increases also.
I like to have both. Most of my recent gains have come from buying large caps when they were suffering a brief share price crash. BP and Shell during the pandemic for example. Shell fell to around £8 per share after being around £25 for a prolonged period. When oil recovered, BP and Shell grew so large in the porforlio I had to trim them several times. Rolls Royce fell to around 70p. My 11k invested in Rolls Royce became 50k in a fairly short space of time when it recovered. ETFs are great but I also like the odd bargain too. However as time goes by there will be a general shift towards ETFs. Single shares are not for everyone and I agree they are far more risky.
@@TheCompoundingInvestor So there isn't a reason as such you just like holding both? No math to back this up perse just a desire? The ETFs afterall hold the same equities and will increase the risk of the overall portfolio all be it if you just held the ETFs that would be the most risk off approach. I'm not afraid of risk but I don't really get it.
If you hold an ETF that aims to track the relevant index eg IUSA for the S&P you are owning the best and worst companies in that index. So far this year a handful of companies have pulled the S&P up this year, if you took away those top few companies then the index would have performed less well. By holding individual shares you can own the better quality companies and choose the price you purchase them (eg when they are out of favour) and therefore make better gains than the market overall. On the other hand if you pick the worst companies or buy companies at higher prices that fall out of favour you can underperform Vs the index
@@SovereignSaurus Yes I am aware of that but the top 8 companies over time change and your ability to predict what they will be in the future is impossible. So you are right but again no one alive knows which those 8 it will be. As the end of the video shows holding a global index warts and all was the better performer. By holding the global index you reduce risk overall and out perform. If you are active investing by holding single company stocks I have no issue with that but what's the rationale behind including the companies etc.
In 2009 ETFs were not mainstream and I had not even heard of them until many years later. I grew accustomed to buying large cap U.K. companies. My platform did not allow me to buy overseas individual companies and only changed their policy on this 2 years ago. These days I buy plenty of ETFs and I agree with you most people would do better simply investing in a global tracking ETF or S&P500. I’m simply showing my own journey. My strategy is definitely not the best for sure and in hindsight we can all to better but a strategy which I enjoy and stick to for decades is perhaps better then the best strategy which I get bored with and give up after a few years and squander the money instead.
I have started to buy Persimmon and Taylor Wimpey as well, had the same intuition about Labour government. I can see the compounding is starting to get momentum in your portfolio, well done! Always an inspiration!
I was looking to add a couple of stocks and when I went through all the ones I had (about 20) I found I wouldn't really want to trade out of their positions so now I'm having to add to the stocks outside ISAs as I am already fully invested.
Yes that's what I have to do. I try to buy low or zero dividend payers outside the ISA so I'm not hit with dividend tax each year. Will be difficult to avoid in future years but the new British ISA if it comes will help
Great to see the progress you have made in the first half of 2024 👍🏻 No doubt that the US and the all world have outperformed the UK but I am wondering if maybe that changes, or the gap closes, in the second half of 24?? Trimming single stocks and leaning more into FWRG has been my approach too this year but that said I can't help look for bargains and load up on quality such as NG.
It's been a decent year for sure. Hopefully this will continue for the rest of 2024. With the US election fast approaching there could be some short term volatility in the US market. Interesting times ahead.
Probably around 25k as a rough guess. I aim to fill the ISA as a minimum. I made sure the mortgage was completely paid off before starting the portfolio so this meant I had more to invest each month.
Another great video, it looks like you’ve bought far more than the amount of new funds that you’ve added? Where has the difference come from? Also how do you track all of the funds you’ve put in and the dividends paid? Do you just use an excel spreadsheet? Thanks
Thanks, I get dividend payments so can use those to buy share as well as new money going in on top. I use excel to track portfolio total, money going in, dividend payments etc.
I read an article today entitled "Hargreaves Lansdown issues tax-free personal allowance warning" by Alex Evans. The last sentence stated, "The tax only comes due when you sell investments or withdraw money from the ISA down the line, and you can choose the moment you do that to avoid hitting savings interest thresholds for tax." My thoughts are ISA's were totally tax-free? Can someone please enlighten me, thanks.
If you invest outside of an ISA then tax will be payable if you sell and realise a capital gains. If your dividends exceed the allowance of £500 then tax will be payable on that also. Inside an ISA you don’t have to pay capital gains or dividend tax
Have you considered AVCs at all as part of your investing portfolio? As a member of the LGPS the tax and NIC relief on these has led to me doing just that given I'm hopefully no more than a decade away from being able to retire if I want to, and possibly your teachers pension offers similar benefits?
Really like the videos. Been following for a year or so. However..... I'm curious if we factor in any YT and revenue into this equation. Fundamentally even if you only made £1000 a year in ad revenue. Is that giving a false impression of what you earned and invested. Even if you didn't directly invest. It could also be indirect if you went out for a meal and allocated YT money to pay for said meal. It still leaves the equivalent to invest. My point being! Can you at least once a year do a YT breakdown to give an honest reflection of your lifestyle? I don't really care how much RU-vidrs make. But as you seem like a straightlaced type of person. As your channel grows it would be good to see that your portfolio isn't growing phenomenally because of ad revenue, over what your salary is inputting.
Thanks. Yes I do receive some advert revenue since being montised around two years ago but it’s relatively insignificant at the moment. This channel is just a hobby and I only manage around 2 videos a month. I try to use any ad revenue to invest back into the channel e.g. software, equipment, upgrades and subscriptions to services. The relatively small amount of ad revenue currently has a negligible impact on the portfolio or my day to day living expenses but I agree it’s something to bear in mind going forward.
How did you know you had to do something with the NG shares? I currently have NG shares with T212 but haven’t been asked to do anything with them. Have I missed out??
It’s too late now I’m afraid. When I saw NG had crashed around 8% one day I scanned the news for a reason why and then read that NG needed to raise capital so then I Immediately checked to see if there was a corporate action on my Barclays platform and what to do about it. It happened so quickly and I don’t think they told me. I really had to look for the info myself. They didn’t give us much time to find the money either. I needed to sell around £3000 of AstraZeneca to raise enough cash to buy the rights issue.
470k is a great amount, it would be interesting to know what the amount in total you have invested, your actual cash made from teaching. Ignoring all the dividends reinvestment. This would show many the power of investing, the snowball effect. Are you at the stage yet where the dividends are allowing you to invest more money than what you can invest from your salary ?.
Hi Micheal the 257k I show at the end is the amount invested from wages. That’s the sum I’ve transferred into the platform from my wages. All dividends remain inside the platform. Currently the dividends don’t quite exceed the amount I can invest from wages. I do live very frugally and the mortgage is gone which helps a lot.
It has not performed too well over the last 5 years compared to Aviva having looked at the graph just now. No idea what will happen going forward. I find the financial sector fairly unpredictable and quite volatile. I got rid of Direct Line about a year ago. I'm happy to hold a relatively small position in Aviva for now but that's about it.
Always look forward to your update videos. It would be good to understand your overall gains or losses where applicable for the sales you made. Just interested to see if you cut any losses with the solar holdings.
I wish I had that info but sadly I don’t because of buys and sells and different prices and swapping shares between the ISA and GIA. I think I broke even or made a slight loss on solar if dividends are included. Was a small part of the portfolio
Why VWRL & IUSA? last time I checked VWRL is 60% US stocks? I have many of the same shares / ETFs as yourself and have been switching focus to to just 3 ETFs (VWRL, VHYL and ISF)
Yeah it's true there is a lot of overlap, especially as I've already started buying VEVE as the costs are lower than VWRL and it's performed better over the last 5 years at least. When I next do a bed and ISA transaction I'll probably sell VWRL and put it all into VEVE. I hold VHYL inside the ISA and also ISF.
@@TheCompoundingInvestor nice, I've not seen VEVE will take look at that. Great videos though. We are at a similar stage although my numbers are a little lower than yours and have similar investing ideas so the videos are great to watch. Thanks
Great video. I'm sure it won't be long until we see the £500k mark passed. Of course you have exposure via ETFs but have you considered investing into individual USA companies now that it is relatively straightforward?
Thanks. My platform only allowed overseas stocks to be traded 2 years ago so I don’t know too much about US companies. I’ll stick with the S&P tracker which buys 500 of them. I put quite a lot into that
Have you not considered consolidating all of your investments in to one or two index funds? I feel like it would have smoothed out some of those losses and performed better overall
Definitely would have done better over the last 15 years but ETFs were not mainstream back then and I never even heard of them until many years later. Also my Barclays platform did not allow me to buy individual overseas shares so I grew accustomed to buying UK shares. These days I buy plenty of ETFs for example over the last two years I've put over 30k in the S&P500 alone. Over time index tracking ETFs will be the main focus of new money going in however I don't intend to sell my individual shares as I like regular dividends and find them very motivating getting paid each month. The ultimate goal would be for the dividends each month to exceed my wages. I'm not sure that will happen however but it's a target to aim for. Also most of my recent gains are from buying individual shares in large caps when they suffered a temporary crash e.g. Shell, BP and Rolls Royce during covid. I invested large amounts into those during the pandemic and the gains were spectacular when they recovered. I could not do this if 100% invested in index funds so I like to have both but with more emphasis on ETFs going forward. I think a plan which is suboptimal but you find interesting and stick to for decades is sometimes better than the best plan which you give up after a few years through fear or boredom. It's a good question you asked however.
Why do you buy funds that distribute dividends outside your ISA? Does this not create hassle of having to report the dividend payments on your self assessment? Have you considered the accumulating versions of those ETFs which automatically reinvest and means you would only have to worry about dividend of capital gains payments when you sell?
Unfortunately accumulating funds are more complex to work out the dividend payments. You still have to declare the dividends as if they were paid to you.
For those first starting out or with smaller portfolios then something like Trading 212 is worth considering. If all you want to invest in is ETFs then InvestEngine is quite a popular one .
I just prefer the large caps. The FTSE 100 earn 80% of their revenue from around the world so tend to have less domestic risk and I’m a fan of dividends which the large caps tend to churn out reliably. Just my personal choice however.
I don't include premium bonds in my quarterly portfolio updates as I use those only as my emergency fund and kept out of the market. However they do generate passive income so I mention them in my passive income videos which I do each month.
Thanks for the update. Quick question. The Rights Issue from National Gird. I received the notification for T212 but I didn't see anything come of it, is there something I need to do to take advantage?
It's all finished with now. Mine was with Barclays and I have to say the instructions on what to do were a bit sketchy to say the least and it all happened very quickly.
If you didn't click the link and opt in when you saw the notification then you won't be given the shares at the discounted price but to my understanding they will be sold on your behalf and you should receive the funds from them at some point
Another great video, thank you. I know I have asked this before, I am new to investing so I'm trying to understand why... if you were to start over you mention that you would buy ETFs, can you explain why? What are the pros of ETFs over individual dividend paying companies? Thanks again 😊
When I started in 2009 ETFs were not mainstream and I had not even heard of them until many years later. I grew accustomed therefore to buying individual UK stocks. These days I see the benefit of them as you can simply buy and forget and there are so many different types available. I prefer the index tracking ones like ISF (FTSE 100), IUSA (S&P500) and VWRL (All World). Far less risky just buying an ETF and adding to it over several decades if you can tolerate the boredom and dullness of it you would probably do well. VWRL is a very popular one. I also like to have some individual stocks to snap up bargains when they emerge. BP, Shell and Rolls Royce have generated big gains for me when I bought heavily during the pandemic and they recovered strongly. I still think for most people however a global tracking ETF is probably the way to go if you just want to buy and forget.
Ahh ok thank you, so more for ease with reduced risk. Yesterday I watched a video on another RU-vid channel (uk financial advisor) that stated individual dividend paying stocks don't make much of a difference at retirement compared to ETFs because if you have invested enough into the ETF you can drawdown funds as and when you need to (income & capital gains.) Do you have any thoughts / opinions on this?
I theory yes, similar and is perhaps a matter of personal choice. However I don’t like the idea of having to choose to sell shares and how many which could be at the wrong time e.g. a crash. I much prefer to do nothing and just see the cash flowing in automatically.
Just out of interest (no pun intended) have you done the sums (i appreciate it might be difficult ) as to what you would have if you'd just put the same money into say VWRL or equivalent. Id be very surprised if it wouldnt be substantially more. ETA no criticism i was doing the same thing years back even held some of the same cos for the same reasons for example TRIG, Persimmon, Shell. I also held INRG (for solar) which i rode up and then down again got out ata 20% profit. Now i hold 50% indexes (HMWO which is similar to VWRL I think) 50% separate shares Also have you looked at moving your assets to a cheaper platform?
In 2009 when I started ETFs were not mainstream and I only heard about them many years later. Also I could not buy overseas individual companies on my Barclays platform. They only changed this policy 2 years ago. I therefore grew accustomed to buying U.K. stocks. I definitely would have done better with an index fund yes but I might have found it a bit dull and may have given up after a few years. I find dividends really motivating. Sometimes a sub par strategy which you find motivating and can stick at for decades is better than the most profitable one which you give up after a few years. I agree that most people would do better with just a low cost ETF like VWRL or the S&P500. To answer your other question the simple fact is I’m a bit worried something would go wrong with the transfer of large sums especially where ISAs are concerned. I know Barclays are expensive but they have many decades of experience and good customer service and don’t lend your shares out to third parties like some other platforms do.
I'm not an expert on them but they seem to be very UK focused. Not sure they would do as well as something like VWRL over the long term. Not investment advice of course.
I am very new to investing. And i found them very helpful to see where i could get to in many years to come. And the hard work i have to do to get there. Thank you for the amazing videos.
Thanks good update 👍 can I ask, when you sold BSIF, and TRIG did you sell at a loss? I also hold both and I am looking at selling out of them, but currently I am sitting on a small loss. I also hold UKW which I intend to keep. Thanks.
I believe I did sell at a loss but probably around break even if you take the dividends into account, but I had a relatively small amount in them compared to other shares. U.K. wind has done much better for me so I put more into greencoat.
TRIG (RES) will be bringing an additional 11gw+ of power on stream in the next year or two, depends if you think that will bump the price. I know they’re doing a lot in the US.
In the energy /eco sector what about the companies that make the transformers or the specialised ceramics....or even those who mine the specialist grades🤔?
@@TheCompoundingInvestor I remember seeing something on, the clay for porcelain transformers is rare. It got me thinking, with all the new infrastructure due, could be a place to look. I think it was a video by DW news or someone similar
Just an ordinary teacher so never had a large wage. The first thing I did was pay off all my debts first including the mortgage. I had to make a lot of sacrifices to do that. Then when the mortgage was paid off after 10 years I started this current portfolio. With no debts I can concentrate on investing without other financial distractions. Living frugally is an important part I would say.
@@TheCompoundingInvestor I know you stated you found dividends motivating and helped with starting your investment journey), would you recommend it to new investors or would you advise them to go for total returns? Thanks
I certainly find dividends motivating and it helped me to stick at it for a long time. If dividends were not paid then I might not have been so interested and could have given up investing. I've been through quite a few market falls which can be scary for a lot of investors. Share prices can be very volatile which can be stressful for some but dividends per month seem to consistently go up which is motivating as you can see progress more easily. Having said this however, most people would do better by just investing in a low cost ETF such as an All World ETF or S&P500 and not worry about dividends at all. Everyone is different to what motivates them. For me it's a case of a suboptimal strategy which I can stick to for decades is better than the most profitable strategy which I give up after a few years through lack of interest.
With hundreds of buys / sells over 15 years I just don't have the data except the overall figure for the portfolio. I do remember starting to buy AZ when it was £25 however. Had plenty of disasters.. Vodafone, Royal Mail, Centrica to name a few.
@iantcroft nobody knows for sure what will happen to prices in the short term. I’m a long term investor and over the long term history has shown that the stock market beats everything.
@@TheCompoundingInvestor that’s also very true! Thanks for taking the time to reply, vids are great. I want to explore investing and all this is really new. I currently have savings in a 8.08% cash ISA and wonder if my money can work harder by investing. I had heard of stocks and shares but you have given me a greater understanding of what’s involved. Would be handy to know the key things to look out for when choosing the platform then what to buy in. Thats the art of it I suppose.
Obviously not investment advice but if I was starting again from scratch I’d consider a low cost platform such as Trading 212 and open a stocks and shares ISA. My core holdings would be index tracking ETFs such VWRL (All World) or IUSA (S&P500) there are several versions of both but they all do pretty much the same thing. Some ETFs are accumulating which automatically buy more units when dividends are paid, some are distributing which pay you cash and let you decide how to invest the dividends. It’s a personal choice. I might buy a few individual companies but my core holdings would be in ETFs. My plan would be to invest over several decades and not worry about short term volatility which can be scary. You need to be prepared for it. At the start of the pandemic my portfolio crashed in value from 230k to 170k in what seemed like a few days. Some would panic when things like that happen. Over the long term however markets tend to recover and break new records. All the best on your journey.
I really think that these videos do you a disservice. It would be great to see your face, hear your voice (not an AI) and hear some of the wisdom gained from a 15 year journey. The portfolio updates are good, but there's not much value to be had as a viewer in those - even though - granted, I do PF updates too.
It's my real voice not changed in any way. I use an iPad running the free iMovie app it comes with. About as low tech as you can get. Thanks for watching and all the best with your investing channel. I try to answer as many comments as I can if anyone wants to ask further questions about my journey.
Just out of curiosity what is your total dividends in the time you have been investing. I never invest anything outside of an ISA ,I always fill the wife’s ISA and then mine if I can afford to.Restarted investing in 2020 and between mine and wife’s we are sitting at £281000, so think we have done well with it .Looking more at dividends the closer I get to retirement (Which I hope is not far away )Thanks for sharing your portfolio as it’s really interesting seeing what dividends you are getting.
Thanks. I’m pretty sure it’s over 100k in dividends since I started but don’t have the numbers to hand at this exact moment. Because the ISA limit is 20k I do have to put some outside so I look for lower dividend payers to try an stay below the allowance. That will soon prove impossible but the British ISA next year will help if it actually goes through. Thanks for sharing details of your own journey. When I next post a video you can ask me the same question about the dividends and I’ll have the exact figures for you
Because there is not enough room to put everything inside the ISA. Growth stocks pay lower dividends. I know there is capital gains but that is more controllable and does not hit me every year as dividends would.
Just like BP and Shell they will have to move into other products to compensate for falling demand of tobacco. I believe some kind of caffeinated products are on the drawing board at the moment.
when looking into tobacco companies, they sell world wide, and although smoking rates are falling actual demand remains stable/growing slightly due to general population increases. Plus the high dividends means after a decade you have all your money back. will smoking be dead in a decade? probably not for 30 more years yet.
I always enjoy your videos very inspiring.I am more of a income investor than growth.Do you have access to Closed end funds in the UK?If so you might add some more risk but alot more income.A good reference is the book "The Income Factory" it changed my way of investing.Happy inbesting/stacking.
Reversion to the mean is a meaningless thing. Just because a price falls doesn't mean the average price over some time period is the "correct" price. The mean follows the price because it's made up of old, useless price data, and the only thing old prices tell you is if the current price is higher or lower. If it did mean anything, why doesn't everyone short stocks over their 10/20/50/200 day moving average?
Was going to ask the same question as you’d be paying tax on the dividend income. Be good content to show how you manage this and if you’re taking advantage of the additional isa allowance for investing in uk companies. I assume you reinvest your dividend income?
Hopefully with more money now going into a range of index tracking ETFs such as the S&P500 and All World, the next 15 years will be better. ETFs were not mainstream when I started and I was confined by my platform to buying individual UK stocks.
