I've Reached £50 Per Day Dividends

I've Reached £50 Per Day Dividends | Passive Income

Рет қаралды 196,565

4 ай бұрын

In this video I show my dividend investing journey from an average of 1p per day in 2009 to £50 per day in 2024. I invest in mainly large cap UK companies and reinvest the dividends to allow compound interest to take effect. I have an emergency fund in Premium Bonds which also contributes to my total passive income. My ultimate aim is for my passive income to exceed the wages of my full time day job. I believe that investing in the stock market and building a diverse portfolio of quality companies will beat inflation in the long term and enable me to achieve financial freedom with the option of retiring early if I choose to.
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Пікірлер: 950

@TheCompoundingInvestor 4 ай бұрын

Do you set yourself dividend targets and how is your journey progressing?

@almostdailydividends 4 ай бұрын

I just started my dividend investing journey and will be investing £1 a day with the goal of receiving almost daily dividends 📆 Got my first £0.04 dividend from Starbucks this week! ☕️ 📈

@lyracian 4 ай бұрын

My aim is a 5-6% return. I am almost on track with your journey. At the end of seven years I am making a few pennies under £17 a day in dividends in my stocks and shares ISA.

@beancount811 4 ай бұрын

Always had a very simple minimum target: >long term average inflation rate or >risk free rate, whichever is highest. This is the sort of bare minimum you have to get out of the stock market or some other alternative for it to make sense not just buying a safe bond. Then I compare my total return with dividends reinvested to the FTSE All World benchmark total return. Consistent 7-8% real total return would be nice. :) Some people alter this rule to always ensure they get more than the risk free rate and their dividends grow above the long term average inflation rate, but this is trickier to manage and keep track of. If you're already picking individual stocks as percentage of your total holdings, it's best not to have too much complexity elsewhere and keep things passive. The risk with setting average return targets for a given time period is the active picking of investments solely on the basis of their cash flow timing and yield. Plenty of pies on T212 focus around the calendar dividend theme, but some of their returns are a little wobbly if you dig into the specifics!

@TheCompoundingInvestor 4 ай бұрын

Nice work. All the best on your journey

@TheCompoundingInvestor 4 ай бұрын

Great work indeed. All the best

@Norfolkpaul 4 ай бұрын

Just hit £4.04 a day 😊

@TheCompoundingInvestor 4 ай бұрын

Great work! Should hopefully accelerate as time goes by

@Random_Animations1 4 ай бұрын

Just hit 3p! Thats a cup of tea a day 😂

@TheCompoundingInvestor 4 ай бұрын

@Random_Animations1 nice work. Will soon be a pint of beer 🍺

@geezeweezebabypls 4 ай бұрын

What's the composition of the portfolio

@anthonysarkis2154 4 ай бұрын

What is your portfolio value if you dont mind sharing?

@gustavoc.301 4 ай бұрын

omg that storytelling is way better than those others "investors" when show penthouse, sport cars, watches and designer rubbish, achieved with dodgy investments. ABSOLUTELY FANTASTIC! for me you are the best channel, this less than 12 min could easily be a best seller investment book!

@TheCompoundingInvestor 4 ай бұрын

Thanks so much, that’s very kind. All the best on your journey

@Probity100 4 ай бұрын

100% agree, he has for the first time in my life sparked an interest in investing for me 🎉🎉🎉

@Iugeer 3 ай бұрын

being British changes you

@Probity100 3 ай бұрын

Absolutely and I thought the same. So much knowledge.

@DamienTalksMoney 4 ай бұрын

Love the way you have added story to this video.

@TheCompoundingInvestor 4 ай бұрын

Thanks so much Damien. I really appreciate it

@davidcarney1533 4 ай бұрын

Well done 👏 I'm at almost £2 a day. Looking forward to reaching that milestone

@TheCompoundingInvestor 4 ай бұрын

Nice work David. Good luck with reaching your next target

@tommytinkler1708 3 ай бұрын

Great stuff and a great achievement with the portfolio. The only transparent KZfaqr I have seen with a long term portfolio actually showing what he buys and sells. Thanks for the videos.

@TheCompoundingInvestor 3 ай бұрын

Thanks my friend, I really appreciate it.

@user-ui3sm1jo8v 4 ай бұрын

Thank you for you channel, by far the best for dividend investors. I have been investing for a number of years for an Income later on in life. Mainly through dividends. Keep up the good work . 👏

@TheCompoundingInvestor 4 ай бұрын

Thanks, I really appreciate it. All the best on your journey.

@sethanith3181 4 ай бұрын

Just to think that’s almost a minimum wage job with no tax liabilities! Great work!

@TheCompoundingInvestor 4 ай бұрын

I hadn't thought about that. Thanks so much for your comment

@fifewig 3 ай бұрын

dividend tax?

@TheCompoundingInvestor 3 ай бұрын

I use a stocks and shares ISA so there is no dividend tax or capital gains tax for investments kept within it

@djeq721 3 ай бұрын

@@TheCompoundingInvestor- Do you simply just withdraw your dividends into the ISA to avoid capital gains tax?

@TheCompoundingInvestor 3 ай бұрын

@@djeq721 I do whats called a Bed and ISA each year and transfer 20k of shares from outside the ISA to inside it. In this way I can get rid of capital gains. Will be more difficult to do in future years however as they have reduced the capital gains allowance

@jacosadie8524 4 ай бұрын

I got 90p a day! Projection show roughly £2.15 a day for next year. Thats more than a 100% increase! Thanks for your videos! And mentioning your ordinary job.

@TheCompoundingInvestor 4 ай бұрын

You are welcome. All the best on your journey

@Jay-bq6pz 3 ай бұрын

just buy crypto bro, trust me

@Iugeer 3 ай бұрын

@@Jay-bq6pzwhy

@R03333 3 ай бұрын

@@Jay-bq6pzwhich crypto pays out dividends in your world?

@codingperson7706 Ай бұрын

@@Jay-bq6pzbro didn't watch the video

@peterhorton9908 3 ай бұрын

Randomly stumbled upon this in my recommended. This was a great video. I'm 17, and considering I can start years before most others did, I can take more advantage of compound. I'm going to start my investing journey today. 🎉

@TheCompoundingInvestor 3 ай бұрын

Plenty of time on your side to ride out market volatility. All the best on your journey

@peterhorton9908 3 ай бұрын

@@TheCompoundingInvestor thanks!

@whazzax 4 ай бұрын

very high quality video and a great way to show the progression and what is possible even on an average income

@TheCompoundingInvestor 4 ай бұрын

Thanks Tom, I really appreciate it

@almostdailydividends 4 ай бұрын

This is absolutely incredible, huge congratulations! 🎉

@TheCompoundingInvestor 4 ай бұрын

Thanks so much

@deeselx 4 ай бұрын

Well done that’s an achievement you must be really pleased with. All the hard work and saving over the years is paying off now. Looks like you are at the compounding stage where your 2030 dividend update video will be awesome. Can’t wait to see it 😀

@TheCompoundingInvestor 4 ай бұрын

Thanks so much, I'll keep going as long as I can.

@sw793 4 ай бұрын

Very motivating, I am currently at the £15 per day mark. Never thought of ranking it like that until this video. My goal is to have a healthy tax free top up to my pensions in 10 years time. Thanks.

@TheCompoundingInvestor 4 ай бұрын

Great work. All the best on your journey

@ciaranharrington4141 4 ай бұрын

Why stop at tax free, more money is more money

@sw793 4 ай бұрын

@@ciaranharrington4141 only if you have got it to put in.

@Mykeltera 4 ай бұрын

Im from brazil, and just like you i invest in large cap Brazilian companies, Ive managed 8% to 10% DY. Iron ore, banks, insurance and energy. Its very easy to find a 6% DY here..

@keefo8957 4 ай бұрын

Very motivating video Mr CI. First full year 2023 & hit 82p per day. Freezing contributions to some companies in 2024 making my etf’s my biggest holdings. Thanks again👍👍

@TheCompoundingInvestor 4 ай бұрын

Thanks so much and good luck on your journey

@jonathanreevescad 4 ай бұрын

Well done and I enjoy your presentation style and down to earth approach and inspiring approach. It’s a great contrast to some other tubers that only promote etf investing🎉

@TheCompoundingInvestor 4 ай бұрын

That’s Jonathan, ETFs definitely have their place but it’s not what I started out with. These days I like the mixture of both.

@jonathanreevescad 4 ай бұрын

@@TheCompoundingInvestor Yes, I agree, and really like a mixture of solid dividend stock, some speculative, more risky growth stocks and a mixture of ETF and other funds. As an architect, I also like to be invested in some property investments that pay a very regular return (rent) with the potential for capital growth over the longer term. Thanks for your great content and I enjoy sharing your journey.

@Iugeer 3 ай бұрын

What companies make up your portfolio?

@TheCompoundingInvestor 3 ай бұрын

@Iugeer my complete porfolio is below.. £415,000 Dividend Portfolio Full Year Update | Stocks and Shares ISA kzfaq.info/get/bejne/mp1oapOg0MexfJ8.html

@ScottiStudios 3 ай бұрын

Well done! A tip for anyone watching from the UK who is thinking about starting investing: use a service that offers a stocks & shares ISA. That way you will never have to declare or pay tax on any dividends or capital gains.

@psyismylife 3 ай бұрын

Only on British Market, will still pay 15% on american shares

@David-bi6lf 3 ай бұрын

@@psyismylifeno you don't, it's all tax free. This is the change many investors feared would come with the proposed ISA changes to promote investing in the UK but is not part of the changes.

@BruceFraserJr 3 ай бұрын

@@David-bi6lfThere is a 15% withholding tax on US dividends received in an ISA.

@romangora9519 3 ай бұрын

If u do that u cant pull your divs out as there taxed so no point unless ur holding all of it

@TheCompoundingInvestor 3 ай бұрын

@romangora9519 dividends in a stocks and shares ISA in the UK are not taxed. You can take out the dividends and do not have to pay tax

@MrRoyck10 4 ай бұрын

Whilst I appreciate the dividend investing I am more focused on ETFs rather than individual stocks, I haven’t been buying individual stocks rather I am scooping up with a basket of ETFs. All the same we all share similar objectives of compounding, I still watch your content with keen interest and enthusiasm. Thanks for sharing.

@TheCompoundingInvestor 4 ай бұрын

Thanks so much, I really appreciate you taking the time to watch and comment about your own journey and strategy

@alistairpenny5808 4 ай бұрын

Fantastic achievement 🎉 and with Rolls-royce starting to pay a dividend in 2024 this is all good news.Good luck on the premium bonds on Saturday all the best 👍

@TheCompoundingInvestor 4 ай бұрын

Thanks so much Alistair. RR really doing well

@quokkapirquish6825 4 ай бұрын

@@TheCompoundingInvestor Rolls Royce is the Rolls Royce of stocks

@TheCompoundingInvestor 4 ай бұрын

@quokkapirquish6825 Sure has done amazingly

@TheGeordiePig 4 ай бұрын

So inspirational, love all your videos and is a real motivation for myself being only 23 and starting my journey just 6 months ago! I’m up to just shy of £1 per day!

@TheCompoundingInvestor 4 ай бұрын

£1 a day already? Wow, that's great going. You have plenty of time on your side for compounding to do its magic. All the best.

@Zlaterrr 4 ай бұрын

Well done mate! I think I will end 2024 with slightly over £10 per day on average, converted from SEK.

@TheCompoundingInvestor 4 ай бұрын

Nice work, £10 is great progress. All the best on your journey

@timhanser1943 4 ай бұрын

Brilliantly told , many congratulations

@TheCompoundingInvestor 4 ай бұрын

Thanks Tim, I really appreciate it.

@russellpetrie119 4 ай бұрын

niceley done vlog people need to pay attention to this

@CaldonianDude 3 ай бұрын

Nicely done!

@TheCompoundingInvestor 3 ай бұрын

Thank you

@combat246 4 ай бұрын

Very motivating. I do something similar. I find the process more enjoyable than the money itself.

@TheCompoundingInvestor 4 ай бұрын

I think you have hit the nail on the head there. Its probably why I started this channel in the first place because I enjoy the process so much, everything from tracking and recording the dividends to deciding what to buy next.

@SpeedyDocDOCARMY 4 ай бұрын

Congratulations that's a lot of hard work investing over the years. Mine is approaching £2,000 rn and will be looking to expand the portfolio when I can with possible premium bonds. Currently invested in 40 companies in Trading 212 atm.

@rhys.finance 3 ай бұрын

How much does that payout in dividends per day?

@marcus.H 3 ай бұрын

What's your average percentage yield?

@TheCompoundingInvestor 3 ай бұрын

@marcus.H 5.9% on money invested but there is also capital growth on top of that. The total return for 2023 was around 9%

@marcus.H 3 ай бұрын

@@TheCompoundingInvestor I see. I would never want to sound like it's not an accomplishment because it absolutely is. But factoring in growth of my property portfolio mine is much closer to 20% annually. I actually want it to go down in value as it will be better if I can make further purchases. I also like the feeling of having an investment I can hold and walk around in. I believe demand for property will continue to rise - especially at the low end. If you could realistically achieve double digit yields would you ever look into it? I understand it's a lot more effort though to invest in a home. Stocks don't take any work at all and that's suitable for most investors

@whayl7157 3 ай бұрын

I had bought LGEN and PHNX for this exact reason :) i do a mix of things but for the new UK only ISA coming, I will continue to focus on our home turf companies paying very nice divis!

@KiranKaurFinance 2 ай бұрын

Amazing, well done!

@TheCompoundingInvestor 2 ай бұрын

Thanks so much Kiran. All the best

@johnc799 4 ай бұрын

Congratulations. Onwards and upwards to £100 a day which will come sooner rather than later thanks to compounding. Looking at the dividend income as an amount per day is a really motivating way to make more savings. I’ve switched to dividends after getting burnt with individual stocks. Lesson learnt the hard way I guess!

@TheCompoundingInvestor 4 ай бұрын

Thanks, I really appreciate it. Investing in individual stocks can of course be risky and I've got it wrong many times myself. I try to have a mix these days of index tracking ETFs and large caps with reliable economic moats. All the best on your journey

@malcolmbirkett1347 4 ай бұрын

Great work 😊 i love watching my dividends drop into my isa😊 keep it up.

@TheCompoundingInvestor 4 ай бұрын

Thanks Malcolm. Seeing the dividends roll in is a great feeling.

@NFTinvestments74 4 ай бұрын

You're the man! Congratulations.

@TheCompoundingInvestor 4 ай бұрын

Thanks so much my friend

@BobMc87 4 ай бұрын

Congratulations! I'll soon be on one year dividend investing, I'll need to calculate the daily amount over the year. Great video!

@TheCompoundingInvestor 4 ай бұрын

Thanks so much. All the best on your dividend journey. Should hopefully accelerate as time goes by.

@user-tb9oo1uc5v 4 ай бұрын

Have you tried the stock events app its really good to see your daily amount

@jacobthorne9930 4 ай бұрын

I use stockevents which helps me to track dividend payment dates etc... and it will tell you how much you get daily/monthly/yearly in dividends

@rodgerq 4 ай бұрын

@@jacobthorne9930same

@ThomasGoldstepFinance 4 ай бұрын

I love this story! I'm on around £6 per day currently so hope to reach your level one day!

@TheCompoundingInvestor 4 ай бұрын

Thanks Thomas. Great work to get to £6. Should hopefully accelerate as time goes by. All the best

@johnpaterson4680 3 ай бұрын

Great video and advice...very well done 👊

@TheCompoundingInvestor 3 ай бұрын

thanks my friend I really appreciate it

@ChrisLitton 3 ай бұрын

Great video. Will continue researching different companies and check dividends payout rates

@TheCompoundingInvestor 3 ай бұрын

Thanks so much for watching. All the best on your journey

@mattsennett 4 ай бұрын

I never logged my dividend growth until 2022 and it is interesting to see it change as time moves on. It certainly is a motivator, as is watching your journey too, so keep up the great videos and good luck in the next PB draw 👍🏻

@TheCompoundingInvestor 4 ай бұрын

Thanks so much and all the best on your journey.

@simonruddle6511 4 ай бұрын

Simple and clear...............and easy to understand. My dividend income took a hit during 2022/2023 due to Covid...but is back up to it's highs and will be re-invested as usual.

@TheCompoundingInvestor 4 ай бұрын

Thanks so much. Yeah same here but I was surprised at how quickly the dividends bounced back

@williambritcliffe2211 4 ай бұрын

Congratulations 🎉 Really enjoying the videos btw, most informative out there by a mile.

@TheCompoundingInvestor 4 ай бұрын

Thanks so much, I really appreciate it. All the best on your investing journey

@gratitudeinvesting 3 ай бұрын

Im sure I speak for a lot of people when I say I find your videos like these inspiring. Hats off to you sir!🥂

@TheCompoundingInvestor 3 ай бұрын

Thanks so much J. Had fun putting this one together. All the best with your investments and excellent dividend channel. Thoroughly enjoy your videos and watching your progress. Take care my friend!

@youthfulrider407 4 ай бұрын

Just wanted to thank you for all your videos. You gave me the courage to start investing 10 months ago. Lots of ups and down but I am over 8% up in growth currently and averaging £2 per day in dividends all in an ISA which I am set to max out this year! I'll come back in another year and let you know how it's going!

@TheCompoundingInvestor 4 ай бұрын

Thanks and excellent work. £2 a day is great. Should hopefully accelerate as time goes by.

@wentoneisendon6502 3 ай бұрын

What platform do you use?

@TheCompoundingInvestor 3 ай бұрын

Barclays but they are very expensive for those first starting out or with smaller portfolios. Trading 212 / Freedtrade or for ETFs InvestEngine are all worth considering

@leapark01 4 ай бұрын

Another excellent and inspiring video. Thank you!

@TheCompoundingInvestor 4 ай бұрын

That’s very kind. You are welcome 🙏🏻

@MattsCradleTV 3 ай бұрын

This is very inspiring considering that everyone who have an ordinary job can do this. Kudos to you for sharing your journey to financial freedom.

@TheCompoundingInvestor 3 ай бұрын

Thanks so much, I really appreciate it. All the best on your journey

@marton349 4 ай бұрын

I could stay in bed and still make the same. Its called calling in sick.

@TheCompoundingInvestor 4 ай бұрын

😂

@maarten252 3 ай бұрын

Man this is inspiring! I'm already some time into crypto. But now i feel like this is a nice new challenge for me. And probably a lot less volatile.

@yagushka 3 ай бұрын

I want to see all your videos at once! This is very good 😊

@TheCompoundingInvestor 3 ай бұрын

Thanks so much. Glad you enjoyed it

@The_Unintelligent_Speculator 3 ай бұрын

Inspired. Thank you.

@MattBrophy 3 ай бұрын

Incredible work!😊

@TheCompoundingInvestor 3 ай бұрын

Thanks so much.

@luigidefendi8481 4 ай бұрын

Well done. Grazie from Italy Luigi

@TheCompoundingInvestor 4 ай бұрын

Thanks so much Luigi

@paulmitchell1580 3 ай бұрын

I have started my dividend journey, great video, thank you very much.

@TheCompoundingInvestor 3 ай бұрын

Thanks Paul. All the best with your investments.

@martinl2325 3 ай бұрын

I have a SIPP in the UK. After watching this checked my shares and found quite a few were accumulation rather than income. I have now started selling those and buying income only shares

@vyshtoandeddu1662 4 ай бұрын

I recently started putting money into premium bonds, thank you for tellnig me about them!

@TheCompoundingInvestor 4 ай бұрын

You are welcome. All the best of luck for future draws

@kw8757 4 ай бұрын

DamienTalks Money has just put out this video on Premium Bonds, well worth a watch if you haven't already. kzfaq.info/get/bejne/n96knad20ZOwf6c.htmlsi=7s7Q25di_-EXy4LH

@vyshtoandeddu1662 4 ай бұрын

@@TheCompoundingInvestor Same to you :)

@01302 4 ай бұрын

Congratulations on hitting this amazing milestone!

@TheCompoundingInvestor 4 ай бұрын

Thanks so much

@CycleXplorer 4 ай бұрын

Thanks for the update!

@TheCompoundingInvestor 4 ай бұрын

You are welcome. Thanks for watching and commenting

@stevetodd9581 4 ай бұрын

Well done! I am somewhere between £200-£300 in dividends a year because my average yield of the portfolio is around 2%, so I am going to focus on increasing holdings in the higher dividend payers to bring it up around 3%. Keep up the great videos!

@TheCompoundingInvestor 4 ай бұрын

Thanks so much for sharing your journey Steve. All the best.

@stevetodd9581 4 ай бұрын

@@TheCompoundingInvestor much obliged

@ivor1957 3 ай бұрын

Why not just put the cash into fixed savings bond and get 5%

@northdevon999 2 ай бұрын

Because the stock will most likely be increasing in value and not just paying a dividend so if you factor in the rise in stock value stocks will on average perform better than the 5% rate mentioned

@duncanemery6264 4 ай бұрын

Good vid mate

@TheCompoundingInvestor 4 ай бұрын

Thanks my friend

@CraveThatCoin 3 ай бұрын

Great video, this is also something I measure. I am currently at £1.36/day

@TheCompoundingInvestor 3 ай бұрын

Excellent work. thanks for sharing your journey. Its great when the dividends start to roll in.

@Norfolkpaul 4 ай бұрын

Well done 😊

@TheCompoundingInvestor 4 ай бұрын

Thanks Paul

@LP-cq1qd 4 ай бұрын

awesome video thanks for being so transparent and to the point !

@TheCompoundingInvestor 4 ай бұрын

You are welcome. Thanks for watching and commenting 🙏🏻

@ldn876 3 ай бұрын

Bloody good video!

@TheCompoundingInvestor 3 ай бұрын

Thanks so much, took a while to produce it. Really appreciate the feedback. All the best on your journey

@bl3iv3s Ай бұрын

This out of all channels i find the most motivating.

@TheCompoundingInvestor Ай бұрын

Thanks so much. All the best on your investing journey

@LawnRight 4 ай бұрын

Hi.. Which Platform do you now use to buy the investments? Do you have to pay a fee every time a dividend is paid back into your account, or is the dividend automatically reinvested into the pot? Thanks

@TheCompoundingInvestor 4 ай бұрын

I use Barclays Smart Investor. They are not cheap however and charge £6 a trade as well as management charges. Something like T212 is worth looking at for those first starting out. The dividends remain as cash on the platform and I reinvest them with new money going in as well. I like to choose where the dividend money goes and it also helps to rebalance the portfolio from time to time

@LawnRight 4 ай бұрын

@@TheCompoundingInvestor thanks.. I do have etoro and did some copytrading last year but I like this idea. Treating it like a game to get to the next level.. So for example if I'm starting out and make 1p a day and after a month 30p will go in as cash on my account, there would be a £6 fee to reinvest that money? (using barclays).. Just trying to understand it all in my head 😊.. Is it therefore better to invest say £100 or more each month to offset the £6? Thanks again

@jscal2007 3 ай бұрын

Thank you for an informative video. I would just like to endorse what you are saying, and reassure any newcomers to investing that this really does work. I've been investing since the early 1990s and was able to retire in 2000. One piece of advice I would give to anyone in the UK is to make use of your annual ISA allowance. All my investments are either in an ISA or SIPP, so are tax sheltered. The beauty of an ISA is that all income you withdraw from the fund does not have to be reported to the taxman, so is free of income tax.

@TheCompoundingInvestor 3 ай бұрын

Thanks so much for your comment and for sharing your journey. Yes so beneficial to use as much of the ISA allowance as possible each year as those capital gains and dividends can really mount up over the long term

@tommaltby8216 3 ай бұрын

Great advice, have you got any recommendations for good ISAs in the uk or will any do?

@TheCompoundingInvestor 3 ай бұрын

Trading 212 don’t charge a fee for an ISA so they are worth considering

4 ай бұрын

More than the 50 daily, you should be proud of keeping yourself committed for 15 years. Most people can't stick to habits for weeks let alone years. Congratulations friend.

@TheCompoundingInvestor 4 ай бұрын

Thanks, I really appreciate it.

@jorgepreciado4738 14 күн бұрын

Awesome video!! Very inspiring

@TheCompoundingInvestor 14 күн бұрын

Thanks for the feedback. Glad you enjoyed it

@lifelivinglite 3 ай бұрын

This is so inspiring even if I'm at the start of my journey. Just wish I started earlier in life!

@TheCompoundingInvestor 3 ай бұрын

Thanks, I really appreciate it. Yes everyone wishes they started earlier except Warren Buffett who apparently started aged 11 😳

@nosharesnogains8505 3 ай бұрын

Nice! I'm on £2.65. Will be chuffed when i can get to a £10 but £5 will do for now

@TheCompoundingInvestor 3 ай бұрын

Great work. Setting small targets along the way and slowly working towards them is the key. All the best

@matteden7535 4 ай бұрын

Massive milestone... Congratulations

@TheCompoundingInvestor 4 ай бұрын

Thanks so much Matt

@matteden7535 4 ай бұрын

I have targets for each year on where I want my investments to be. It has been a rollercoaster of a ride... it is important to have goals though as projections are key to keep you focussed

@miklemon2357 3 ай бұрын

Insane milestone! Giving yourself free food all year round now

@ErikaB4 3 ай бұрын

Hello, Just read the new budget and when I got to the British ISA I knew that would make you smile. As you mostly or at least at the beginning only invested in British individul stocks and you still hold many of them, that this would help. Especially now that from the 6th April the dividend allowance is reduced to £500 and the CGT allowance wil be just £3000, you can just sell some British stocks and immediately rebuy them within the British ISA, which will allow you to move more from the General investment account under the ISA umbrella. As providers needs to prepare on making the British ISA available, this won't happen immediately on the 6th April, but later this year. Anyway, I am sure this is a welcome change for you. What is your opinion?

@TheCompoundingInvestor 3 ай бұрын

Exactly as you have described Erika. It’s very welcome indeed. Not sure when it will be available as there is a consultation stage to get through. Hopefully this year sometime. Will definitely use it to shield future capital gains / dividends.

@leehurley7564 4 ай бұрын

Fantastic video I made £1.84p last year and will comfortably hit the £2 Mark this year which I'm chuffed with be interesting to see how long it takes me to get to £5 I'll love it when I get to the notes next target after £2 for me will be £1000 in a year congratulations on your milestone take care

@TheCompoundingInvestor 4 ай бұрын

Thanks so much and well done on your progress so far. All the best

@sevy-ue6zu 3 ай бұрын

Nice video bro.

@TheCompoundingInvestor 3 ай бұрын

Thanks so much 🙏🏻

@hellholehere 4 ай бұрын

Nice video, I always enjoy your style and watching I wondered how many takes it took tossing the coins and flicking the notes into the box! I’m nearly at the end of my dividend journey as I’m moving to the stage of spending the dividends on retirement, I’ve got to £220 a month which is just over £7 a day …

@TheCompoundingInvestor 4 ай бұрын

£7 a day is excellent progress. Most of the notes went in first time but the coins took between 5-10 attempts each 😂

@kyliesmith2734 2 ай бұрын

I’m still very new to the stock market and so I’ve been investing very small amounts, I think I’ve only invested £200 or so to see. This video (I haven’t watched it all) was helpful and easy to understand.

@TheCompoundingInvestor 2 ай бұрын

Thanks and all the best on your journey

@mayowaoni-williams4817 3 ай бұрын

This is such an inspiring video!!

@TheCompoundingInvestor 3 ай бұрын

Thanks so much, I really appreciate it

@ProjectFrugal 4 ай бұрын

Good video. We're into year 6 of our investing journey - this is a good way to track that sweet passive income! We need approx. $70 NZD a day to pay for core expenses. Currently sitting on around $30 NZD per day so almost halfway of our dividend income target.

@TheCompoundingInvestor 4 ай бұрын

Nice work indeed and should accelerate as time goes by. Good luck on reaching your target.

@ChrisShawUK 4 ай бұрын

Dividends are not income. They are a return of capital to shareholders. It's money you already own taken out of your left pocket and put in your right pocket. It's certainly passive ... The pocket fiddling is done without you moving your own hands (always a nice feeling) But nothing has been created (or destroyed). You owned the cash the day before the dividend and you own the cash the day after.

@Jakkaribik1 2 ай бұрын

@@ChrisShawUK If the Stock goes up you have more than you spend into it.

@ChrisShawUK 2 ай бұрын

@@Jakkaribik1 yes, if the stock price goes up, your capital is increased. If it goes down, your capital is decreased. If a dividend is paid, the stock goes down by the same amount on the day it is paid. This is because a portion of the capital you already own is returned back to you. It's all capital. It's not income.

@Jakkaribik1 2 ай бұрын

@@ChrisShawUK Yes For Now 1% Dividend In Italy Still gets around 24% Tax no matter if you get 1€ or 800€ Still it is a funny way to Invest and get Cents Back every 20€ you Spend.. 200€ is around 17 Cents Per Month?

@michaelmayes9689 4 ай бұрын

Hi, great stuff it really amazes me how well you have done. A reference point this year you need at least £50.00 extra as it is a leap year to maintain your £50 pound a day. I had to work mine out it equals £33. 42 a day, I am a pimp paid off the backs of other people's labour. In truth i find it absolutely amazing, my thoughts are rather than paying a pension for 40 years if i had invested that money what would my end pot be worth? I think it would be fair to say that you are now at the stage of a liveable income from your investment, the hard part is yet to come when do you start using this money as your income as that is what i am finding hard to do, as i enjoy the buzz every friday of finding out what income i have made for that week and toting them all up at the end of the month. In 9 months of my financial year i have received 134 dividend payments, and that is what i find incredible the share amount of payments i have accumulated.

@TheCompoundingInvestor 4 ай бұрын

Great work Michael. The premium bond wins over the last 12 months helped me a lot to reach the £50 level. I might not be so successful this year as the rates will fall.

@trunky3315 4 ай бұрын

Hello and contrats for your amazing achievment. I am about 14€ a day in 2023, i will keep focus to increase this ! See you

@TheCompoundingInvestor 4 ай бұрын

Thanks Trunky. All the best on your journey my friend

@jamessmithson-br7rm 3 ай бұрын

Hmmm… I’ll focus more on dividend investing if/ when my investments are going down or sideways. At the moment I’m getting a decent amount of growth on paper that is way more than I get from dividends. I get about 30% growth year on year (compound) in terms of paper growth - that’s been consistent. I’m getting dividends on a lot of those investments anyway, which is reinvested. Even if I was getting 5-10% dividends I’d be sacrificing a lot of that growth atm. I’d rather focus on growing the pot and thinking about dividends more when I’m older and I want it as an income stream.

@barnysgaming 3 ай бұрын

Compounding interest is cool if you can afford to invest. I'm currently putting money into crypto (I know its much more risky than stocks) and I'm seeing an average interest of 9.4% and am seeing about £1.60 a week, and I'm adding £200 a month. I started again in January after paying my tax bill with £260 and I've added £650 to date and have seen a nice little rise thanks to the interest brought on by the halving of BitCoins mining reward in a month or so and am hoping I will see more growth in the next few months. Eventually I will start to move to stocks once I see the risk in Crypto become too great for me. This is in no way a push for people to invest in Crypto but I'm OK with the risk that comes with the potential of big rewards.

@piterbzymas6462 3 ай бұрын

I started February this year. I'm working a minimum wage, and I'm already on almost 2£ a day by keeping my money on a trading 212 account as uninvested cash. They pay daily at 5.20%. My goal is to get to 10£ a day as soon as possible.

@TheCompoundingInvestor 3 ай бұрын

Thanks for watching and sharing your journey. All the best

@dacat8171 3 ай бұрын

You are a story teller. ☝🏿🧐

@TheCompoundingInvestor 3 ай бұрын

Thank You

@w14lee 3 ай бұрын

I absolutely love this video and the comments. You guys inspire me so much.

@TheCompoundingInvestor 3 ай бұрын

Thanks so much. I really appreciate it. All the best on your journey

@MrVipninja 3 ай бұрын

Looking forward to your February update 😁

@TheCompoundingInvestor 3 ай бұрын

Thanks, hopefully this weekend

@marchandfield4557 3 ай бұрын

great story!

@TheCompoundingInvestor 3 ай бұрын

Thanks so much.

@NicolaatTheFrugalCottage 4 ай бұрын

So inspiring :)

@TheCompoundingInvestor 4 ай бұрын

Thanks Nicola 🙂

@Koba-rr6oz 2 ай бұрын

Great video

@TheCompoundingInvestor 2 ай бұрын

Thanks so much

@Deano1990 3 ай бұрын

Apologies if this is a stupid question but On the trading 212 app, is it the ‘invest’ ‘cfd’ or ‘isa’ I need to use ? Thanks

@TheCompoundingInvestor 3 ай бұрын

Cfd is similar to spread betting and personally I would avoid that one. For long term investing opening an ISA account makes sense in the U.K. from a tax perspective.

@dubsdolby9437 4 ай бұрын

Well done 👏 your alot further down the road now. I remember looking down that road and at last seeing the end. My yearly dividends are coming in at £33,440 tax-free and I am now retired. My sipp will be accessible in April, which produces around 16k in dividends, so that's there if I want it. It's definitely achievable if you're focused enough.

@TheCompoundingInvestor 4 ай бұрын

Hello again. Excellent work. I agree the consistent approach over many years is really paying off now and you have more on top with the Sipp if you need it. Did you chop and change stocks as you went along or did you basically buy, hold and forget?

@dubsdolby9437 4 ай бұрын

@TheCompoundingInvestor Thanks 😊 I chopped and changed over the years. I think the main thing I really became aware of was buying cheap and buying in times of big downturns when yields were the highest. That's probably the only times I brought.

@ianfisher7360 4 ай бұрын

Congratulations. Can't work out my div per day as miners are taking a hammering! Still, buy low and hold for recovery is my game. Haven't enough funds to average down on the likes of Diageo, Croda, Unilever, Bats...... Roll on recovery, onwards and upwards. Good luck all.

@hugop6212 3 ай бұрын

Just started and hit 1 penny a day, thank you for the motivation.

@TheCompoundingInvestor 3 ай бұрын

Nice one! All the best on your journey my friend.

@hugop6212 2 ай бұрын

2 and a half penny a day obtained ✅, do you know of any high dividend canadian companies that have a good dividend growth rate ?

@wowwizzit 3 ай бұрын

After watching this I have decided to take the first steps into dividend investing, £50 into Vodafone, day 1 puts me at the 1p per day mark, plans to pop £50 a month into my account and diversify with a few companies, hoping to hit 5p a day before my birthday in August. Thanks for a great video.

@TheCompoundingInvestor 3 ай бұрын

Thanks and all the best on your journey

@solaire07 3 ай бұрын

Congratulations to everyone who's on their journey to growing their portfolio's

@shaneomack5018 4 ай бұрын

Congrats friend. We hit 9.12 day last week.

@TheCompoundingInvestor 4 ай бұрын

Nice work. Always great feeling when those dividends roll in

@L0kie94 3 ай бұрын

Thanks so much for sharing this

@TheCompoundingInvestor 3 ай бұрын

You are welcome. Thanks for watching

@tonystevens4883 2 ай бұрын

This is fascinating. Thanks for breaking it down so simply. Great work. I'm just researching investments for the first time. My father in law keeps talking about it, and I now feel a but gutted that I've not known about stocks and shares ISAs earlier 😢 I have a couple of questions though.😊 You say you were saving any extra money that you could manage, but roughly how much do think you think this was a month, especially in the firt few years? Also, your pot seems to grow very nicely, is this also growing simply due to the share prices rising? Along with the compounding of your dividends? It's all a little confusing currently!!😂

@TheCompoundingInvestor 2 ай бұрын

All good questions, So the first thing I did was become debt free including the mortgage. I'll leave a link below to a video on how I did this. This gave me more money to use for investing each month. Initially my aim was to invest between £500 and £1000 a month but as the years went by my wages increased so the average since 2009 is around 1.4k of new money going in each month. The pot (total value) grows over time because of the price rising and the dividends being reinvested as well in addition to new money going in each month. The value can swing quite wildly at times and this puts a lot of people off. For example during the pandemic my portfolio fell from 230k to 170k in just a few days. Also in the 1970s the FTSE fell 70% in a single year. The fear of crashes worries many investors but over the course of decades prices tend to rise. Thinking long term is the key to it and of course having a diverse portfolio covering many sectors. How I paid off the mortgage.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@tonystevens4883 2 ай бұрын

@@TheCompoundingInvestor That's really interesting, and amazing that you paid your mortgage off before you began the journey! When I read about people being 'debt free' I never realised that would include the mortgage 😂, top work. I'm so impressed with what you're doing. I think the main thing that I need to do is just START!! it's quite daunting and there's so many different people saying different things, but starting is a must. Thanks for your help. 👍

@Ricky-kd5km 4 ай бұрын

Great video as always. Question. If you were starting today would you just buy into ETFs rather than individual shares?

@TheCompoundingInvestor 4 ай бұрын

Thanks so much, I’d definitely by more index tracking ETFs but also individual shares when bargains emerge. Much of my gains in recent years have come from buying large companies when they have had a temporary setback e.g. Shell, BP, Rolls Royce