Revealing My Entire £450K Investment Portfolio: Quarterly Update

Рет қаралды 34,473

Күн бұрын

A quarterly update of my entire stocks and shares Dividend Portfolio. I reveal the performance, what I've been buying and selling and also my investing plans for the rest of 2024. I’ve been investing spare money each month into large cap companies for 15 years and I make good use of a stocks and shares ISA to help protect my investments from both dividend and capital gains tax.
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Пікірлер: 268

@nikmatic6807 Ай бұрын

My dream is to wake up someday, early, but not because I have to to make it to work on time but because I am excited for the day when I reap the fruits of my investments. God bless us all.

@TheCompoundingInvestor Ай бұрын

Reminds me of the old saying..”someone is sitting in the shade today because someone planted a tree a long time ago”

@zakisyed7749 Ай бұрын

You are my motivation!

@emilykennedy1859 Ай бұрын

I have been watching your videos for 2 years now and has kept me motivated to keep investing in my S&S ISA each month- the effect of compounding is amazing, and I hopefully will be in the 6 fig range in the next couple of years!

@TheCompoundingInvestor Ай бұрын

Thanks so much. Glad you are enjoying the process. All the best on your journey

@ghosthdel3098 Ай бұрын

@@TheCompoundingInvestor Yes me too for 2 years. Thank you so much . I didnt start investing seriously until late last year though. YOu should make more video on potential stocks to invest/sell and subscribers/ who watch the videos can share ideas too? Thanks again

@rudolphteperberry3888 Ай бұрын

Always love your updates, very useful information! Last few years I've been focussing mostly on growth and tech stocks with a few dividend paying stocks. I'm happy with the size of that now, and those stocks alone could fund my retirement in a moderate to bullish future forecast. I currently earn around £2.5k a year in dividends and planning to switch investing focus now to build dividends to £10k a year (and beyond!). Some brilliant ideas for further research from your channel 😁

@TheCompoundingInvestor Ай бұрын

That's very kind. Thanks so much. All the best on your investing journey

@TomsPersonalFinance Ай бұрын

Thanks for the update. Looking good 😊

@TheCompoundingInvestor Ай бұрын

Thanks Tom

@shanesteven4578 Ай бұрын

‘China’s property market is facing a few wobbles!’ ….. seriously! that must be the understatement of the decade. Still, I’m absolutely loving your content and journey, whilst learning a lot too, thank you.

@sammni Ай бұрын

Great video as always…. So good at explaining things

@TheCompoundingInvestor Ай бұрын

Thanks so much, I really appreciate it.

@BIG2hats 20 күн бұрын

I love this video, very clear, very concise, very honest. My only problem with your portfolio imo is that the US is where the party is really at, why are you avoid the BIGGEST companies in the world? If you had invested in Apple, Microsoft etc back in 2009 you’d be a multimillionaire!

@TheCompoundingInvestor 20 күн бұрын

In 2009 we were still in the financial crisis and many people thought the financial world was about to end. There was genuine fear in the air especially in the US. Hindsight is a wonderful thing but times were different back then. There was also very little choice in platforms back then and Barclays did not allow me to buy shares in overseas companies. This only changed a couple of years ago. ETFs were not mainstream back then either, so I grew accustomed to buying U.K. large caps. These days I invest a lot in the US through my S&P500 ETF, in fact over the last 2 years I’ve put in around 30k into US shares.

@TheMurrayMints2023 Ай бұрын

Amazing, informative and inspiring as always. If I can one day get anywhere close to this I will be a happy man

@TheCompoundingInvestor Ай бұрын

It takes time. I started with a lump sum of £5000 and then just slowly added spare money each month bit by bit.

@ihateyouall1648 Ай бұрын

Amazing as always. My ETF portfolio earned for last 12 months 16%. Good year for me.

@TheCompoundingInvestor Ай бұрын

Thanks, and nice work. All the best on your investment journey.

@jeromegudgeon Ай бұрын

Great video. Weve had a very similar journey with RR. Im looking more for yield now so shifting my growth stocks especially the US ones to UK insurance and banks. I dont care about performance now just what I get monthly.

@dipeshmistry8797 Ай бұрын

very insightful!

@TheCompoundingInvestor Ай бұрын

Thanks so much

@gratitudeinvesting Ай бұрын

That is one strong portfolio 💪🏾 Also congrats on Rolls Royce! Those gains are epic!

@TheCompoundingInvestor Ай бұрын

Thanks J, all the best my friend

@beancount811 Ай бұрын

Glad to see you're holding your nerve on financials, CI. Very good value in the UK at the moment. When Barclay's book is trading at the same ratio to price as that of Close Brothers, you know sentiment has overpowered reason. Equally IG got initially hammered when they were swapping CEOs and the rates shot up, allowing for a very steady yield on cost and high total return if you took advantage. Renewables are a bit wobbly: the financing model in the industry has variable debt in it; output isn't guaranteed; and there's still the contingent liability of future infrastructure maintenance, repair and replacement. Sometimes it works out better and cheaper to just buy the bonds of these companies and projects direct, if you can. The expense ratio and transaction costs on the infrastructure trust entities is just too high for the value they offer, I'd say. You may be able to pick up a bargain after some consolidation in the industry, but anything close to 1% OCF will really compound against a long term holder. Plenty will be having continuation votes this year as well.

@TheCompoundingInvestor Ай бұрын

Thanks so much for sharing your thoughts. Yes financials seem to be doing much better recently.

@paulevans1139 Ай бұрын

Great video as always, thanks for the transparency, given me food for thought 👍🏻👌🏻

@andyh3142 Ай бұрын

Holding trig and Ukw in the renewables sector higher interest rates have not helped the sector. I plan on holding for the foreseeable future as interest rates appear to be now stable with hopefully cuts over the next couple of years . Trig have sold a couple of assets to try and pay down the floating debt. Higher bond yields have probably also took money away from renewables as a safer option but lower interest rates you would imagine will reduce yields on bonds.

@SpeedyDocDOCARMY Ай бұрын

Cheers for the update. Hadn't had opportunity to invest much recently but will hopefully get the chance in the next 6 months.

@TheCompoundingInvestor Ай бұрын

Thanks. All the best with your investments

@harrysheffield624 Ай бұрын

Whilst I too am investing in companies with reasonable yields that pay quarterly or 6 monthly, I'm finding that a lot of new investments are heading for Trackers or ETF's. These too have good yields and at low costs, but with much betters spreads and thus safety. Keep up the great vids !!

@TheCompoundingInvestor Ай бұрын

Yep I agree. I really value ETFs these days. Thanks for commenting. All the best

@alistairpenny5808 Ай бұрын

As always a well informed video bought some more rolls-royce in the dip but like you that's enough so £16,000 in that a good return ventured into the ETF market so hopefully spread the risk a bit looking forward to the interest rate cut hopefully get things moving

@TheCompoundingInvestor Ай бұрын

Yeah RR has had a great run. I'm a real fan of ETFs. All the best Alistair

@curt3494 Ай бұрын

Thanks for taking the time to make these videos. They keep me motivated to push forward and invest more 👍

@TheCompoundingInvestor Ай бұрын

That’s great to hear my friend. All the best on your journey

@dubsdolby9437 Ай бұрын

Half a mill next year, maybe and all in an isa ! How nice 👌

@Dr.JubairsFinance Ай бұрын

Nice work Professor! This made me hungry though

@TheCompoundingInvestor Ай бұрын

Thanks Dr Jubair. All the best my friend

@rowlandwetmaker Ай бұрын

Nice! Thanks for the update. I was wondering does it make sense to add a few companies each month to the portfolio, say I have 10 companies and I want to add to all of then during the year while the prices are good, but I usually add to 1 company every month, does it make more sense to split the monthly investment and add a few companies at one go? Cheers

@TheCompoundingInvestor Ай бұрын

Not investment advice but I find that having more companies spread across different sectors reduces risk. When I first started I only had 3 companies and they were all in the banking sector. That was quite risky. my 4th company was Aviva which meant I was still 100% in the financial sector and not diversified. These days I'm comfortable with between 20-30 individual companies but also have ETFs which diversify even more.

@brimz1 Ай бұрын

thank you !

@TheCompoundingInvestor Ай бұрын

You are welcome

@luigidefendi8481 Ай бұрын

Well done. Ciao grazie Luigi from Italy

@TheCompoundingInvestor Ай бұрын

Thanks Luigi 🙏🏻

@CycleXplorer Ай бұрын

The portfolio of dreams

@turingtrading5301 Ай бұрын

You could get the same UK coverage in Bankers Trust as an alternative

@ryansimpson2908 Ай бұрын

Love your channel. So motivating. What I would love to see is how much year by year you deposited. This would give an idea of the “spare money” you invested and to really see the snowball. Thank you.

@TheCompoundingInvestor Ай бұрын

Thanks so much. The plan was to invest between £500 to £1000 a month initially but as the years went by, wages went up. I think the average is 1.4K a month over the 15 year period. The actual amounts per year would vary so much. When the market was booming I put a lot less in and invested in premium bonds to build up an emergency fund and saved cash also. When the market crashed, I used the cash savings to buy up bargains when prices were cheap, so I’m not sure it would be that helpful and might cause some confusion as to why some years so much more went in compared to others. Most people tend to do the opposite of course. When the market is going up they put more in and when the market is crashing they don’t go near it or they sell stuff. Paying off the mortgage before starting this portfolio helped a great deal in freeing up more funds each month and allowing me to focus on this one pursuit. I’ll leave a video below on how I attacked the mortgage if you are interested.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@Norfolkpaul Ай бұрын

Looking great 😊

@TheCompoundingInvestor Ай бұрын

Thanks Paul

@dannybutler85 18 күн бұрын

I'm eager to hear your next update. What will you choose to do with your NG rights? I took up all available options today, an extra 564 shares, a bit of a bargain if you ask me!

@TheCompoundingInvestor 18 күн бұрын

Hopefully next update this weekend. When NG fell 21% over the course of 2 days I bought more shares. I think the fall was a bit of an over-reaction. I also intend to take up the full allocation of rights issue shares.

@loutol2952 Ай бұрын

Great video. Lots of lessons given in this engaging presentation. Appreciate the effort.

@TheCompoundingInvestor Ай бұрын

Thanks so much for the feedback, I really appreciate it

@stockersa9212 24 күн бұрын

Hey love the channel and your insights, how did you come to the decision of where best to invest in your isa ?

@TheCompoundingInvestor 24 күн бұрын

It was along time ago and as I already had a Barclays general investment account I just stuck with them. Not a lot of choice back then

@MAXERNEST Ай бұрын

Great stuff another inspirational video , you will be set for the future and will be on course to be a ISA millionaire soon, also you will probably have a decent pension for retirement i know the education sector pensions is a thorny subject with the altering of the schemes benefits , i wish you well , as for myself my investing is tiny but every little helps :} what i do have runs rings around most bank interest rates :}

@TheCompoundingInvestor Ай бұрын

Thanks so much for watching and commenting. Thank goodness for ISAs. All the best on your journey.

@riyasah4789 Ай бұрын

Thanks ❤❤❤❤

@TheCompoundingInvestor Ай бұрын

You're welcome 😊

@chriscarr8944 Ай бұрын

Videos are really informative and great to see progress. How do you track your investments and returns, do you use some sort of spreadsheet?

@TheCompoundingInvestor Ай бұрын

Thanks. I use a simple excel spreadsheet and record any deposits from my current account, portfolio value and any dividends received.

@norfolkhoneybee273 Ай бұрын

Wind power will always have the advantage over solar in my eyes. I stick will greencoat , bigger companys in energy sector must have one eye on them.

@TheCompoundingInvestor Ай бұрын

Agreed

@Lovemy911 Ай бұрын

Nice update as always 😊 If you started out now would you have done it differently? IE all in on etf s etc

@TheCompoundingInvestor Ай бұрын

Thanks, It was not until just 2 years ago that Barclays allowed overseas individual stocks to be bought on the platform and I had only heard about ETFs many years into investing. If I started again today then ETFs would be the core of my holdings but I still like individual companies when I see bargains. Most of my recent gains have come from buying large companies when they are suffering a short term blip e.g. Shell and BP during the pandemic and Rolls Royce later on when it fell to around 70p.

@Lovemy911 Ай бұрын

Aah brill I'm aiming for total etf s now as I've had some rather large individual losses when starting investing Ps enjoying your channel as always 😁👍

@TalesOfTrillions Ай бұрын

Your investment strategy is as solid as a rock, but hey, have you ever considered shaking things up with some riskier bets? After all, fortune favors the bold!

@TheCompoundingInvestor Ай бұрын

There are old pilots and bold pilot but no old bold pilots. I think I’ll stick to my slow and steady approach as I’m more of an investor than a speculator

@TomCoughlin-ys6oc Ай бұрын

Hi, would you suggest placing more money into ETF’s or individual solid dividend stocks. Or a mixture of both? :)

@TheCompoundingInvestor Ай бұрын

Many prefer just to go for the ETF only approach and there is nothing wrong with that. Personally I like both. Much of my gains in recent years have come from buying more large cap stocks suffering a short term crash like BP, Shell and RR during the pandemic. When I can't see any bargains I'll simply add to an ETF. This is just my personal choice however and picking individual stocks is not suitable for everyone of course. When I started in 2009 ETFs were not mainstream and I had not even heard about them until many years later. I therefore grew accustomed to buying individual stocks. I also couldn't buy individual overseas companies on my Barclays platform. Hope this helps.

@Givemecake1 Ай бұрын

Would you not save money in investing fees if you now moved your portfolio away from the Barclays smart investor platform? Their fees appear higher to me than some others, although direct comparison is not always easy. Keep up the posts, very informative and simple to follow and understand. The strategy for dividend investing rather than the search for growth is one worth investigating.

@TheCompoundingInvestor Ай бұрын

Yes the fees are high but I've been with them for 15 years and no real issues. The customer service is good and they don't lend out your shares like some other platforms do. They also have many years of experience and have stood the test of time. Probably more likely to weather an economic disaster. The newer app based platforms are relatively untested. I'm also reluctant to transfer large sums of money to another platform in case anything goes wrong especially where ISAs are concerned. I've heard several stories of funds being locked for several months while the transfer takes place. I'm not saying the cheaper app based platforms are bad, they are a great option in my opinion for those starting out or with smaller portfolios. I have experimental portfolios with T212 and Freetrade. They are really easy to use but with very large sums of money then I just feel safer with a traditional broker like HL, AJ Bell, or Barclays.

@CharlieRunnalls Ай бұрын

Please create a Trading 212 Community Pie that match your investments and percentages to amount invested. I would follow it! 😁

@TheCompoundingInvestor Ай бұрын

There are 2 reasons I don’t do this. Firstly is a practical / time issue. My main portfolio is with Barclays, not on T212 and is constantly have to update it with weekly purchases / dividend reinvestments etc. Secondly I try not to encourage people to copy someone’s portfolio as what is appropriate for them is not always appropriate for others. I’m simply showing my own journey. Index investing is probably more sensible for the average person.

@ismaildinho1000 28 күн бұрын

fantastic

@TheCompoundingInvestor 28 күн бұрын

Thanks

@JackRalph96 Ай бұрын

You have so much confidence in the ftse considering how much it's underpeformed in the last 20 years. But considering barclays smart investor has such a terrible selection of stocks and shares it's unsurprising. I moved to saxo so i could invest in the global market within a stocks and shares isa and i'd highly recommend you do the same.

@TheCompoundingInvestor Ай бұрын

Thanks for the suggesting. Barclays still allows me to buy Exchange Traded Funds in the S&P500 and All World index which I do. I’ve invested over 30k in the S&P500 over the last 2 years and it’s the main share I focus on these days

@muratdagdelen8163 Ай бұрын

Hope you hit £500000 this year.

@TheCompoundingInvestor Ай бұрын

Thanks so much. I’m sure it won’t be a smooth ride but hopefully we will get there

@MukeshSharmabhatt9 Ай бұрын

Amazing journey. Do you think you would have been better had you invested 90% in US dividend stocks rather UK?

@TheCompoundingInvestor Ай бұрын

Absolutely I would have done better in US stocks. Barclays only allowed me to buy overseas individual stocks 2 years ago. Buying a lot more of them these days via my S&P500 ETF. I didn't even know what an ETF was until several years into investing. they were not mainstream when I started. Regarding US dividend stocks, I'm not sure I would be interested in high dividend payers because of the US withholding tax.

@aarondawkins8668 Ай бұрын

Hi Where you show the gain or loss of the value this year, do many/any of your individual stocks sit at a loss currently over all? If they do do you have a loss limit when you would sell? Thanks for the great video

@TheCompoundingInvestor Ай бұрын

Thanks, I'm afraid I don't have that information per company or per sector. I only record the amount of money transferred into the platform from my bank account. Over 15 years there have been several hundreds of buys and sells at different prices and movements from outside the ISA to inside the ISA. From a rough estimation I would say Aerospace / defence has been the best and Oil and Gas has also done extremely well. the banking sector not so well. Pharmaceuticals have generally done well. Tobacco has been terrible. Utilities have been fair / good. Consumer staples are fair / good. I don't have a particular loss limit but if I see a general long term downtrend then I may sell and put the money into something with slightly better prospects. I also trim down companies which grow too large and dominate the portfolio. History shows that those who rebalance from time to time gain 5% extra on average which might not seem much but over a lifetime can be huge. Hope this helps.

@aarondawkins8668 Ай бұрын

@@TheCompoundingInvestor Ah ok, nice ethos and thanks for sharing

@TheMightyKawama Ай бұрын

On your section speaking of UK banks, what do you make of the government 'Tell Sid' campaign around Natwest? Thinking of making a play before the offer or waiting and seeing what the discount will be?

@TheCompoundingInvestor Ай бұрын

I know banks seem to be doing well at the moment, but since 2009 they have not done well for me if I'm brutally honest. It seems one scandal after another. I also have a lot in the financial sector already. I doubt very much I'll be thinking of adding another bank to my portfolio.

@leehurley7564 Ай бұрын

I can't wait till I get anywhere near those levels but then there are people who wish they were at my level main thing is being somewhere on the scale in heavy in financial stocks so am building other sectors I'm still collecting DGE I got some JD when they were down also added some SSE RIO PETS GGP in the UK stocks I am in the solar BSIF UKW I wonder in the upcoming election is playing a part and uncertainty about grants but energy security has surely got to be a priority for whoever is elected with the way the world is going, it has been a disappointment though. Thanks as always for the video

@TheCompoundingInvestor Ай бұрын

Thanks so much for your comment. All the best with your investments

@UKStocksandShares Ай бұрын

Great portfolio with impressive returns! My portfolio is also starting to be dominated by Rolls Royce with it going up in value by over +300%

@TheCompoundingInvestor Ай бұрын

Thanks and well done on RR!

@glennbryden Ай бұрын

Hi could you please explain how you setup the stocks and shares isa and how it work thanks 🙏

@TheCompoundingInvestor Ай бұрын

I'll think about doing a video on this. Thanks for the suggestion.

@mikehilbert5191 Ай бұрын

Hi, thanks for sharing your portfolio with us 😊. How you have meaning for the share Vodafone ? Thanks a lot 😊

@TheCompoundingInvestor Ай бұрын

Thanks. I sold Vodafone several years ago after they sold their stake in Verizon, a very profitable part of the business. Over the last 5 years the shares have lost half their value. The telecoms industry requires constant investment and costly upgrades as the technology goes out of date so quickly.

@mikehilbert5191 Ай бұрын

@@TheCompoundingInvestor Thanks for your reply. I’m still invested in Vodafone. It’s a nightmare. I take dividends and invest it in some different companies. My next telecommunications share will be Comcast. I try to catch the looser …

@NicolaatTheFrugalCottage Ай бұрын

Love this, as always. Cannot wait until I can start investing again.

@TheCompoundingInvestor Ай бұрын

Thanks Nicola. All the best

@guybrown8971 Ай бұрын

Rolls royce is your best performer .so I'll trim them. Keep cutting down the flowers and watering the weeds .(I've done exactly the same thing).

@TheCompoundingInvestor Ай бұрын

Rebalancing the portfolio and stats show that those who do this generate 5% more on average. Over the course of a lifetime that is huge. It also helps get rid of capital gains as I keep RR outside the ISA. I did the same with BP and Shell when they grew to dominate the portfolio and the “weed” I bought with the proceeds was RR

@guybrown8971 Ай бұрын

Oh well your doing well ,it was the best performing share ,over the entire European market. Keep going ,I'm trying to be less eratic but its hard.

@-phantom-8207 Ай бұрын

With all of that experience that you’ve had for 15 years. What would you have done differently to make this passive income with dividends? ETFs such as Vanguard (VUSA) or VUAG don’t even pay that much in dividends unlike these individual stocks. I’d really appreciate some guidance on what to invest for the next 20 years or so. Should I be solely focused on a singular ETF? Or individual stocks? I want to reach the same passive income that you’re getting in the next 15-20 years. How would I go about it? I honestly appreciate your video!

@TheCompoundingInvestor Ай бұрын

If I was starting again and could resist the attraction of dividends then ETFs would make up the bulk of my investing I think. An All World tracker like VWRL would be an option and the S&P500. These would probably give the best total return. However I know many investors including myself find dividends very motivating so maybe an all world high dividend ETF like VHYL and of course the FTSE 100 (ISF) I might consider. Not investment advice of course just what my thoughts would be in my own situation

@-phantom-8207 Ай бұрын

@@TheCompoundingInvestor Appreciate the response brother! Since FTSE is an ETF, that would mean I don’t need anymore diversification to my portfolio right? What would you think if I JUST focused on investing into FTSE and nothing else for years to come? Just wanna hear your thoughts on it, not asking for financial advice haha 😆 or would you choose some sort of different path? Like adding a few extra high dividend paying stocks to my portfolio, but not going too big into it? Choosing VHYL, or VUAG, or even VUSA over FTSE? Again, my goal is pretty much same as yours - to have a solid income from stocks monthly wise. Cheers!

@TheCompoundingInvestor Ай бұрын

@-phantom-8207 As you know I quite like the FTSE100 and have around 90% invested in those companies. Those companies on average earn 80% of their revenue from overseas, so they are actually quite global. dividends are good also at between 3-4% however some would say that it’s a bit heavy in oil, banks and mining and not diversified enough. Some also say the total return (capital growth and dividends combined) is not as good as an all world index or the S&P500. It’s a difficult choice and depends how much you are motivated by the excitement of dividends with potentially lower capital growth or the fairly boring S&P500 / World ETFs with lower dividends but potentially higher overall return. Having said this, my guess is that whichever of these ETFs you choose or combinations of them you should still do very well if you invest as much as you can afford to over many decades

@staytactical1045 26 күн бұрын

So what platform/app does he use for investing then, and how is he selecting the stocks he wants in an ISA?

@TheCompoundingInvestor 26 күн бұрын

Barclays Smart Investor. Highest dividend payers go inside the ISA. Lower dividend payers go outside. Not enough room to put everything inside the ISA

@Wardency 23 күн бұрын

Can you make a video on the National Grid & Natwest situations

@TheCompoundingInvestor 23 күн бұрын

Thanks for the suggestion. I’d be surprised if the NatWest share offer actually goes ahead now because of the election. We will have to await further information

@quokkapirquish6825 Ай бұрын

Hopefully Rolls Royce keeps growing so much that you can buy yourself a Rolls Royce

@prometheus5311 Ай бұрын

Do you think it's a good idea to add to a s&p500 etf at these valuations?

@TheCompoundingInvestor Ай бұрын

I would worry if my time horizon was less than 5 years but over decades I’m not concerned

@richardbatchelor4705 Ай бұрын

You mention your unsure about the future of solar energy, I wonder if you could expand on this? and does this transfer across into wind enegy (UKW). Just curious of your rational

@TheCompoundingInvestor Ай бұрын

I’ve held both wind and solar energy shares for several years. Wind has performed much better in that time. I’m not expecting a significant growth in share price as these are mainly income plays and they all pay decent dividends. Over the last 5 years Greencoat Wind has shown a slight increase in share price and good dividend so I’m happy with that. Bluefield solar on the other hand has lost 20% of its value and seems to be on a continual downward trend. I’ve therefore sold Bluefield and have transferred the funds over to Greencoat Wind which I think will do lot better going forward. Also in the news recently is government talk of expanding off shore wind farms. Greencoat is not far off being a FTSE100 company now. None of this is investment advice. Only my opinion however and I’ve been wrong many times before.

@richardbatchelor4705 Ай бұрын

Your a legend 💪

@rajaradhakrishnan1230 Ай бұрын

Hi, which platform are you using to invest in IUSA ? If I invest from the UK, will the currency conversion affect the income ? Please let me know..

@TheCompoundingInvestor Ай бұрын

I believe exchange rates will have an effect on what you get and there are always going to be short term fluctuations but as IUSA pays out a fairly small dividend I personally not too concerned. I buy IUSA on my Barclays platform.

@lardyman2 Ай бұрын

I think solar is a long-term hold. BSF and TRIG rely on debt to expand their business. If interest rates fall in Nov as predicted, we should start seeing these companies expanding their operations.

@TheCompoundingInvestor Ай бұрын

Thanks for your thoughts on this.

@lardyman2 Ай бұрын

@TheCompoundingInvestor I would also ad the costs of maintaining their infrastructure, not grow exponentially with the addition of new infrastructure. I.e. a team maintaining 10 solar panels will easily be able to absorb the maintenance of 90 more, only costs rising would be for the spares, there is a term for this that I can't recall right now.

@Dominic_Bolton Ай бұрын

@@lardyman2 economy of scale?

@lardyman2 Ай бұрын

@@Dominic_Bolton kind of, I am pretty sure there is a line in earnings report thar relates to the cost of doing business.

@alexl7464 Ай бұрын

Do you use trading 212 to purchase the majority of your shares or is it just a tool to begin learning about investing?

@TheCompoundingInvestor Ай бұрын

I use it mainly as an experimental portfolio. I also have a small amount in FreeTrade. Main portfolio is with Barclays but it’s quite expensive and I wouldn’t recommend it for those first starting out or who have smaller portfolios

@Jason-xw8tx 20 күн бұрын

Whats the best etf in your opinion?

@TheCompoundingInvestor 20 күн бұрын

Investing in something like VWRL for several decades would probably do very well. It basically buys everything.

@Real_Matt Ай бұрын

Is there a reason you use barclays investor platform over vanguard?

@TheCompoundingInvestor Ай бұрын

Vanguard only allows you to buy vanguard funds, you can’t buy individual shares.

@alexanderedwards6811 Ай бұрын

When did you sell your shares in Sainsburys and why? (I am new to this)

@TheCompoundingInvestor Ай бұрын

Around 2018 / 2019 I think. It was on a long term downtrend and I just got fed up with it. During 2019 it fell from 333p to 182p fairly quickly. I probably got rid of it somewhere between that drop. I also already owned Tesco so didn’t feel the need to have both.

@alexanderedwards6811 Ай бұрын

@@TheCompoundingInvestor I really appreciate the reply, thank you.

@TheCompoundingInvestor Ай бұрын

Not sure my original answer got through. I'll try again. think I sold around 2018 / 2019. Long term downtrend and at one point fell from 333p to 182p. May have sold at some point between those prices. Got a bit fed up with it and seemed to be going nowhere. I already owned Tesco so felt I didn't need to have both. I even may have put the cash from Sainsburys into Tesco, can't remember.

@user-sd3vg1hu8e Ай бұрын

Nice Video as normal but I noticed some things lately which may concern your Investment Strategy within the Energy Sector/ Utilities Sector. With a change of Government most likely and no policy announcements from a certain Political party {Nationalize Railway in its first term). Within Portfolio you have reduced your coverage on certain investments, The question is will you consider moving away from these?

@TheCompoundingInvestor Ай бұрын

There is some political risk concerning the utilities yes but I’m not sure nationalising National Grid / SSE etc will be top of the agenda whoever is in power and that would be incredibly expensive. Having said this I plan to sell down my solar energy assets

@user-sd3vg1hu8e Ай бұрын

@@TheCompoundingInvestor Thank You for the quick reply

@gunndan23 Ай бұрын

What does everyone use to track dividends?

@TheCompoundingInvestor Ай бұрын

To find out when they are paid I use the websites dividend data and dividend max. I use an excel spreadsheet to record how much I’m paid, the company and the date. I also keep a calendar app on my phone and manually input in the payment dates as they are announced

@joewalkerr5027 Ай бұрын

£255k in 2009 is £392k in todays money, i know you obviously didnt start with that lump sum and has accumulated over time, but are you concerned about inflation eating away at the real value gains of the portfolio? Retiring at 65 with 2 million in stocks sounds great, but for a young person like my self (25 y/o) who currently has £21k in shares, im scared that the value of that money come retirement will basically be stripped away and not last as long when it finally comes to spending it.

@TheCompoundingInvestor Ай бұрын

Inflation was not that high for most of the time I've been investing and the government target is 2% in the UK which we are moving towards now. Average rate of inflation over my years invested was 2.4% per year. My return was 4.9% per year. Not great but beating inflation at least.

@barrywhite5899 Ай бұрын

The fact that you have that much money at the age of 25 puts you ahead of your peers and most of the population. Inflation will have an impact on how far that money goes in the future for certain, but starting as young as you are with years of compounding dividends investments ahead of you will sort your future out! Time goes so quickly and it’s difficult to know how much to spend on things you enjoy verses saving for the future…. The government hopes to get inflation down to this magic 2% but if you can find savings or investments with 4 or 5% yield and keep topping up your investments you’ll do just fine

@Cosmo38436 Ай бұрын

Am thinking about change to dividend investing it’s great getting a div 😂

@TheCompoundingInvestor Ай бұрын

it really can get addictive when the cash starts rolling in

@mrwood4557 Ай бұрын

What your personal opinions, on haleon. Do you see the share price and dividend rising. Year on year

@TheCompoundingInvestor Ай бұрын

I suspect the dividend will rise steadily. No idea about the share price however. Would hope it would be a steady upward trend but obviously influenced by macroeconomic factors / elections / interest rates / inflation etc.

@mrwood4557 Ай бұрын

@@TheCompoundingInvestor thanks, I’ll take a punt on it, finding the individual stocks and dividend fun and engaging. But 90% of my stock is in etf.

@russellpetrie119 Ай бұрын

thinking of selling on the energy market consolidate to ng and etfs

@TheCompoundingInvestor Ай бұрын

I'm planning on scaling down on the renewables.

@russellpetrie119 Ай бұрын

@@TheCompoundingInvestor do you feel better to scale down rather than sell all?

@TheCompoundingInvestor Ай бұрын

@@russellpetrie119 As a rough plan, I will sell all Solar (BSIF) and put cash into Greencoat wind. Sell all Trig and put cash into ETFs

@russellpetrie119 Ай бұрын

@@TheCompoundingInvestor to wierd great minds think alike had a same thing going on thanks

@versaceviper9798 Ай бұрын

Is there a particular reason you went with IUSA rather than VUSA?

@TheCompoundingInvestor Ай бұрын

Already had the Black Rock version of FTSE 100 at the time and on my platform ISF and IUSA seemed to be more popular than other versions e.g. Vanguard. That may not be the case now however. Very little difference between them as far as I can see just different providers. The main thing is to establish if the dividends are distributing or accumulating and pick the one you prefer

@-IsleOfSkye- Ай бұрын

Yo fam!! I'm considering Mercedes shares, well after a dip, they pay 7.1% pretty stable company IMHO

@TheCompoundingInvestor Ай бұрын

Yeah the share price chart looks impressive and high dividend too.

@-IsleOfSkye- Ай бұрын

@@TheCompoundingInvestor We just have to wait for stock market crash and get it cheap

@TheCompoundingInvestor Ай бұрын

I know the legend Buffett always has at least 20 billion on the sidelines just in case of a crash so he can jump in and bargain hunt. Then again I’ve also heard the great Peter say that more has been lost waiting for a crash to happen than the actual crash.

@-IsleOfSkye- Ай бұрын

@@TheCompoundingInvestor agreed. But u know entire market was going up for ages, recession still didn't kicked in, i think we will have a crash at least like in 2008

@barrywhite5899 Ай бұрын

Well I’ve been a Wally exiting Anglo American…… 38% up this month. Not only would’ve made my losses back but also be in profit….. ffs. bHP buy out

@TheCompoundingInvestor Ай бұрын

That’s a bummer but I guess if the deal doesn’t happen it might crash back down

@macmoore4599 Ай бұрын

when is your next video?

@TheCompoundingInvestor Ай бұрын

Sunday 5th May is the plan

@BonotGtm Ай бұрын

hello How to buy share ? which app or broker are you using ? could you make video ?

@TheCompoundingInvestor Ай бұрын

I use Barclays but they are quite expensive. Trading 212 is worth considering for smaller portfolios or for those first starting out.

@BonotGtm Ай бұрын

@@TheCompoundingInvestor do you think trading212 is good for long term investment for ISA account .

@BonotGtm Ай бұрын

@@TheCompoundingInvestor is it good for investment by T212 for long term investment ? In your opinion what is the range of smaller portfolios ?

@TheCompoundingInvestor Ай бұрын

@BonotGtm I believe Trading 212 is a good platform yes but it’s has not been around for as many years as a more traditional platform like Hargreaves Lansdown or Barclays. I’ve been with Barclays for 15 years and although more expensive they have good customer service. I’m happy to stay with them as the service has been good so far.

@samarjyoti-ray 9 күн бұрын

I have a question. Why do you feel ETF's are better than investing in individual stocks? Will I be safe to assume that you are a really defensive investor? Please educate me. Cheers!

@TheCompoundingInvestor 9 күн бұрын

As the years have gone by I have become a more defensive investor yes. You can afford to take more risk in the market as you have time for the crashes to recover. You might not have that option if you are close to retirement. ETFs were not mainstream when I started but I use them a lot these days. I think most people would do well investing in an all world ETF over many decades. Individual shares are far more risky. An ETF contains 100s or 1000s of companies and if one goes bust it will not have a significant impact on your overall portfolio.

@samarjyoti-ray 9 күн бұрын

@@TheCompoundingInvestor yes i completely agree with you. but objectively speaking, doesn't it feel like we're missing out on a lot of bullish/multi-bagger stocks? how do you deal with that?

@TheCompoundingInvestor 9 күн бұрын

If you want action and excitement there is always the small cap or AIM market to look at. I’ve learned the hard way not to go near it. If you bought 100 stocks then 1 might make it big and 99 might fail. You just have to hope the one that makes it big makes up for all the other losses.

@samarjyoti-ray 8 күн бұрын

@@TheCompoundingInvestor makes sense!

@samarjyoti-ray 9 күн бұрын

Hey! I wanted to know if investing your side hustle/passive income source only? Are you a salaried person?

@TheCompoundingInvestor 9 күн бұрын

Yes I have an ordinary full time job in the education sector. Any spare money from my wages which I don’t need gets invested into the stockmarket. Dividends and Premium bond prizes also get reinvested. I live quite frugally also.

@samarjyoti-ray 9 күн бұрын

@@TheCompoundingInvestor its really impressive that your dividends and premium bond prizes also gets reinvested. 😇

@samarjyoti-ray 9 күн бұрын

if you were to let you start investing again from lets say, 1000 pounds, what would be your strategy?

@TheCompoundingInvestor 9 күн бұрын

If I was starting form scratch today, I'd probably just have a single ETF such as IUSA or VWRL and put as much money into it as quickly as I could for as long as I could.

@samarjyoti-ray 8 күн бұрын

@@TheCompoundingInvestor aight, thanks for your opinion!

@delroyc77 Ай бұрын

I’m new to this, if Rolls Royce is doing great why would you cut back in it?

@TheCompoundingInvestor Ай бұрын

Rebalancing the portfolio to reduce risk. Statistics show that occasionally rebalancing gains an extra 5% which might not seem a lot but over a lifetime is huge. I did the same with BP and Shell when I bought large amounts when they crashed during the pandemic. When they recovered they then dominated the portfolio so I took some profit and put the money into something which was not doing so well e.g. Rolls Royce. Secondly, selling some RR helped me use up my capital gains tax allowance as I bought it outside the ISA

@daveandjanwoolf8078 Ай бұрын

Using a “Snapshot” view of the first 3 months of this year could be viewed as highly misleading particularly for new or inexperienced investors. There is only ONE THING certain about markets - they will go up and down BUT not necessarily in that order. Even for idiots you would have been hard pushed to have lost money in this quarter.

@TheCompoundingInvestor Ай бұрын

I also showed the comparison to other indices for the first quarter so people can compare. In addition I show my overall results from 2009. Some KZfaqrs give weekly or monthly updates of their portfolio’s but I’m happy to stick with quarterly ones in addition to showing performance since inception

@liamparsons5016 Ай бұрын

Sick of the bashing the FTSE100 gets in the press. The total returns are solid and in my opinion it’s a far more stable index than a lot of these promoted ETFs these days

@Real_Matt Ай бұрын

One other thing from me please. You said you put £8.7k into the portfolio in 3 months? I thought you said you said you had a very modest daily job as a teacher?

@TheCompoundingInvestor Ай бұрын

That’s correct. I paid off the mortgage before starting the portfolio which gives me more each month to buy shares. I’m also totally debt free. When the market is doing well however I put less in and save it. When the market is not doing well this allows me to put more in from the saved funds. Video below shows more about my journey in the very early days.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@Real_Matt Ай бұрын

@@TheCompoundingInvestor great, thanks for your transparency as always

@leecornwall8381 Ай бұрын

A lot of people are saying the stock market is top heavy at the moment.

@TheCompoundingInvestor Ай бұрын

Over a short time frame, anything could happen but if investing for decades then history shows the market tends to rise over time meaning its not so important if the market is high or low when you start.

@MrSlinxy Ай бұрын

No pizza should have pineapple on it! Lol

@TheCompoundingInvestor Ай бұрын

I will try to learn my lesson from this culinary disaster 😂 🍍 🍕

@przemoj Ай бұрын

Hello there. Do you perhaps have all stats how much money you've put in the stock exchange to work for you? Even per each industry? I guess it'd be more convincing - esp. for newbies on this field - just to see how much money you can earn netto just from investing per sector from dividends and value change of the companies.

@TheCompoundingInvestor Ай бұрын

I'm afraid I don't have that information per company or per sector. I only record the amount of money transferred into the platform from my bank account. Over 15 years there have been thousands of buys and sells at different prices and movements from outside the ISA to inside the ISA. From a rough estimation I would say Aerospace / defence has been the best and Oil and Gas has also done extremely well. the banking sector not so well. Pharmaceuticals have generally done well. Tobacco has been terrible. Utilities have been fair / good. Consumer staples are fair / good. Hope this helps.

@mrlolmaster1019 Ай бұрын

the hawaiian pizza is neither american or italian, it was invented by a Greek man in Canada

@TheCompoundingInvestor Ай бұрын

Every day is a learning day 🍕😃

@user---67256 Ай бұрын

How much money you were saving in shares when started this journey. 450K is very impressive. I am starting out after watching your videos.

@TheCompoundingInvestor Ай бұрын

When I started, the plan was to invest between £500 to £1000 per month. I paid off the mortgage before starting this portfolio which gave me more money each month to concentrate on investing. I’ll leave a link to the video which explains how I did this. As time went by, wages tend to go up so I was able to invest more each month. I think the average is 1.4K per month and the the total amount invested is 255k which has now grown to 465k as of today. How I paid mortgage off.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@user---67256 Ай бұрын

Thank you for your answer. Amazing Returns. What will be your course of action with 500 pounds a month now. I started with British tobacco, and VUSA last month in ISA . Will add more companies due course. Thank you once again.

@TheCompoundingInvestor Ай бұрын

Quite a lot goes into the S&P500 these days but I’m thinking of also starting to invest in an all world ETF like VWRL. Also investing in U.K. stocks of course. Not advice of course, it’s only what I do in my own situation.

@harrigreen6263 28 күн бұрын

Do you have to pay any sort of tax on that at all? Or is it all yours?

@TheCompoundingInvestor 28 күн бұрын

I use a stocks and shares ISA in the U.K. so there is no tax to pay

@harrigreen6263 28 күн бұрын

@@TheCompoundingInvestor great! Do you use trading 212 for that please or was it Barclays?

@TheCompoundingInvestor 28 күн бұрын

My main portfolio is with Barclays. I just have a small experimental account with T212

@harrigreen6263 28 күн бұрын

@@TheCompoundingInvestor I just want to invest some money into the S&P 500 and I’m very confused and not sure where to start. Thank you for the advice

@TheCompoundingInvestor 28 күн бұрын

InvestEngine is good for ETFs if that’s all you want. Trading 212 is good for shares and ETFs. A stocks and shares ISA account is worth considering to shelter against tax. Most platforms offer this. The Barclays platform is very expensive however and maybe not suitable for small portfolios or those first starting out. I’ve been with them for 15 years and don’t really want to switch in case something goes wrong with the transfer especially where larger sums and ISAs are concerned.

@GamingWithChubbzTV Ай бұрын

Surely £450k would make you a much more significant return even with management with a normal btl?

@TheCompoundingInvestor Ай бұрын

I don't know the first thing about property investing, its benefits and also drawbacks / risks. I'll stick with what I know and understand.

@GamingWithChubbzTV Ай бұрын

@@TheCompoundingInvestor learn then education is cheap/free why wouldn’t you for a much better return 🤣

@TheCompoundingInvestor Ай бұрын

I’m researching now and all I see is headlines such as “landlords exit as housing crisis deepens”. No thanks, I’ll stick with shares. Make sure you also factor in the cost of repairs and maintenance . This is huge and will consume vast amounts of any profits you make and of course the government will now tax the life out of buy to let properties. I don’t pay any tax at all on my share returns. I’m sure there are plenty of property investing channels you can visit if you don’t like the content here.

@GamingWithChubbzTV Ай бұрын

@@TheCompoundingInvestor typical media scaremongering if you believe everything you read says a lot about you tbh

@joshuachapman723 Ай бұрын

Do you ever wish you’d just invested into an S&P500 index when you first started? Wonder what your total portfolio would be worth now

@TheCompoundingInvestor Ай бұрын

ETFs were not mainstream when I started in 2009 and I only heard about them until many years later. There were not many platforms around at that time either and Barclays did not allow me to invest in overseas companies. I had little choice but to invest in UK companies. Even buying UK stocks I had to pay £12 fees per trade as well as stamp duty. Trading via the phone was £35 per trade. No commission-free apps in those days, but to answer your question yes I would have done better. According to IG research over the last 20 years, the FTSE 100 has given a total return of 7.5% (dividends reinvested) and the US around 10% total return. The UK companies pay a lot more dividends than the US which you just don't see when looking at a share price chart. You have to subtract US withholding tax from that and also exchange rate fees.

@-IsleOfSkye- Ай бұрын

What's wrong with solar sir?

@TheCompoundingInvestor Ай бұрын

I could be wrong but I think wind is the better long term bet compared to solar

@-IsleOfSkye- Ай бұрын

@@TheCompoundingInvestor Oh that, well depends in countries like Portugal solar is wayyy better, plus the development of new solar panels finished some time ago and they are 5X more efficient. So. Time will tell I guess

@Cosmo38436 Ай бұрын

It’s weird you don’t have any uk house builders the dividends are high I have 2

@TheCompoundingInvestor Ай бұрын

Owned Persimmon in 2010 or so. Bought at £6. It went up to £8 so I sold and felt quite pleased about the the nice profit I made and then to my horror it carried on rising to over £30 a share. I nearly bought in again last year when it fell below £10. Its probably the one of the shares I monitor the most at the moment but not pulled the trigger on it yet. If I see a major downturn from here I probably will have a bite.

@Cosmo38436 Ай бұрын

@@TheCompoundingInvestor I’m a bit biased I work for persimmon. They are building a lot more houses than last year once they cut interest rates the stock will rise and there ex dividend date is in June 😊

@LordGreavous Ай бұрын

if the stock goes down doesnt that reduce your dividend by the same %? surely even when your not planning on selling the stock dropping over a long period isnt very good.

@TheCompoundingInvestor Ай бұрын

You still own the same number of shares and dividends are paid per share so the share price has no direct effect on how much you are paid if you already own the shares

@LordGreavous Ай бұрын

@@TheCompoundingInvestor but isnt what your given via dividend work out as a % of the shares worth per share?

@TheCompoundingInvestor Ай бұрын

@LordGreavous So an example is on the 25th April HSBC will pay me 25p for every share I hold. Whatever the price of the share I’ll still get 25p per share. I have 1745 shares so I’ll be paid £436 whatever happens to the share price, I’ll still get £436 Now if you don’t own the shares yet and are going to buy the shares then it’s a bit different. If you invest £100 into a company and the dividend yield is 5% then you would expect to get around £5 dividends per year on your money invested.

@ChRiiZjOhN Ай бұрын

What are your concerns with solar?

@TheCompoundingInvestor Ай бұрын

Performance compared to my wind shares has been pretty poor. I just think wind has the greater potential long term and greencoat might even enter the FTSE 100. Considering shifting the cash to Greencoat

@macmoore4599 Ай бұрын

Pineapple pizza? Use some of that dividend to get a decent topping 😂😂

@TheCompoundingInvestor Ай бұрын

😂 I have to agree!

@ismaildinho1000 Ай бұрын

Nice pizza

@TheCompoundingInvestor Ай бұрын

Thanks

@GrahamReeds Ай бұрын

Pineapple on a pizza??

@TheCompoundingInvestor Ай бұрын

Yeah maybe not the best of choices there!

@emilcify Ай бұрын

The pizza looked sad

@TheCompoundingInvestor Ай бұрын

I agree it was not the best of choices

@Semaj-dh3tt Ай бұрын

With all that performance, you'd think you could get a better pizza lol

@TheCompoundingInvestor Ай бұрын

I absolutely agree 😂 it was not a good choice.

@Mranderson666 20 күн бұрын

Holy shit. 78% in probably the greatest 13 market bull run we’ve even seen. Account inflation and you’re negative. But regardless, still way richer then me 😂 enjoy!

@TheCompoundingInvestor 14 күн бұрын

Since I started in 2009 the average rate of inflation in the U.K. has been 2.6% since then and expected to fall closer to the governemnt’s 2% target next year. The total return of my portfolio (including all the mistakes I made in the early days) is 5.6% per year so comfortably beating inflation. Many will have done much better than this but I’m just showing my own journey with as much transparency as I can. Even with average returns you can build wealth if you stick to a plan for decades and never stop.