£415,000 Dividend Portfolio Full Year Update

£415,000 Dividend Portfolio Full Year Update | Stocks and Shares ISA

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In this video I give an end of year update of my Dividend Portfolio stocks and shares ISA. I reveal the performance, what I've been buying and selling and also my investing plans for 2024.
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Пікірлер: 248

@TheCompoundingInvestor 6 ай бұрын

How did your investments perform in 2023 and what are your investing goals for 2024?

@daan6106 6 ай бұрын

I got 35.06% this year

@richardbrown8143 6 ай бұрын

Looking for more potential big winners like RR, which I can't thank you enough for highlighting! Recently been looking at Capita recently. Badly beaten up since COVID but target prices are double the current share price. Some big management changes happened recently and cost cutting so hopefully it'll be back in the green soon. Bought in at around 22p a share hoping for 40p. Won't be as crazy as RR but 50% gains is good

@TheCompoundingInvestor 6 ай бұрын

Thanks for watching and commenting. Yeah Rolls Royce has had a great year. I’ve not looked into Capita yet. Might take a look . All the best for 2024

@daan6106 6 ай бұрын

keep up the great work @@TheCompoundingInvestor we appreciate what you do

@markeh1971 6 ай бұрын

Hi, SIPP this year did OK, watching the market ebb and flow like a sign wave! Dividends will roll in, best investments in financial PHNX and MNG, worst is VOD at the moment, but still paying strong dividend, just not going to reinvest in it. Looking to the future going to move into renewable, to diversify and form a monthly paying portfolio. Land securities will be in their as well, so will see how it goes in 24. Overall, up a little and hoping to reinvest dividends as the year goes. Take care M.

@TheDividendExperiment 6 ай бұрын

A lot of people get scared to share portfolios when they get to this size, so credit to you for continuing to. Its motivating for us too!

@TheCompoundingInvestor 6 ай бұрын

Thanks so much, I really appreciate it.

@olddouchebag 4 ай бұрын

Pump and dump. lol (only kidding before you say anything)

@TheLiverpoolDelta 6 ай бұрын

My portfolio is very similar to yours. I also started out in 2009 as a self styled dividend investor. Since the 2020 financial crisis (covid) I've diversified in to some US tech growth stocks. My portfolio is only worth 350K and also pays prox 1k a month. It pains me that if I'd only invested in an S&P ETF from the start, I'd have 700k by now. Can't complain, I'm still on track to be FIRE by the age of 45.

@TheCompoundingInvestor 6 ай бұрын

When I fill the ISA I'm kind of forced to buy low dividend payers outside the ISA and my S&P500 ETF fits the bill nicely. As my Barclays platform only allowed the trading of individual overseas stocks since 2022 I grew accustomed to focussing on the UK. I could have bought ETFs a lot earlier but I wasn't even aware of them until several years into my investing. I guess we are all wiser in hindsight. All the best for 2024

@TheLiverpoolDelta 6 ай бұрын

@@TheCompoundingInvestorThanks for the reply. Love your channel, it's nice to find someone who is on near the exact same investing journey as me. My first investments were in to UK bank stocks following the 2008 crisis (I naively thought they would recover within a short time frame) I'm still stubbornly holding them. I'm hoping due to this Covid induced financial reset they will finally start to grow in 24/25. Looking forward to seeing your future updates, I really like your dividend unboxing videos, they feed my passive income addiction.

@TheCompoundingInvestor 6 ай бұрын

@TheLiverpoolDelta Exactly the same here. My first 3 shares were Lloyds, Barclays and RBS, hoping for a quick recovery. Still waiting for Lloyds to reach £1 again lol!

@ianfisher7360 6 ай бұрын

Sipp! Buy same investments with tax relief. Buy more Croda and Diageo etc too.No need to be forced to buy low payers to avoid tax. I'm tending to mirror my ISA investments. If they go up I'll sell one either ISA or Sipp holding to secure some return. If BP hit £5.50 again I'll sell from ISA, transfer to Sipp and have it and 20% more to pop back into BP or others.

@ianfisher7360 6 ай бұрын

Sorry I always bring up Sipp! But more moneyyyyyy and another chance to make more videos...

@zen1752 6 ай бұрын

The most honest video on shares and performance I have ever seen. Bravo and a sincere thank you. Well done.

@TheCompoundingInvestor 6 ай бұрын

That's very kind. Thank you. All the best for 2024!

@thomasmcdonald5542 6 ай бұрын

Thanks for all the videos this year, loving seeing the updates. I managed to just squeeze past the £1m mark on my pension and ISA investments this year but that’s due to mainly being invested in the Nasdaq 100 and S&P 500 which have done amazingly well in the last 2 months. I have about 18 uk individual holdings on top of the US ETFs for dividends that’s pay on average around £1k a month, although it’s very unevenly spread. This week I’m going to sell down some of my US gains and buy some more UK dividend stocks, many of which have been inspired by your videos and others on KZfaq. Keep up the good work and very best wishes for 2024 😊

@TheCompoundingInvestor 6 ай бұрын

Thanks so much and congrats on achieving the £1m milestone. Some really great gains on the US market recently and it’s election year in 2024 and that is usually good for the markets. All the best for the New Year

@gesstevenson11891 6 ай бұрын

Unbelievable year well done, you'll be at 1 million within 4 years at this rate

@TheCompoundingInvestor 6 ай бұрын

Thanks so much. All the best for 2024!

@Porkchop259 6 ай бұрын

Another year gone, i am getting there: Yearly dividends. 2019 - £77.90 2020 - £66.00 2021 - £1433.77 2022 - £2720.11 2023 - £4001.38 I will be investing in 2024 but my main aim will be to tidy up my investments and get rid of a few dead weight buys (Live and learn).

@TheCompoundingInvestor 6 ай бұрын

You are now on an average of £11 a day dividends. Nice one! Thanks for sharing your figures, starting to snowball.

@TheMurrayMints2023 6 ай бұрын

Just checked for new videos the other day and was disappointed there was nothing lol. Love seeing this and can only aspire to get into this position some day. Thanks as always for your insight 👍🏻

@TheCompoundingInvestor 6 ай бұрын

Thanks that’s very kind. All the best for the new year and good luck on your investing journey.

@TomsPersonalFinance 6 ай бұрын

Always enjoy your updates. All the best for 2024 😊

@TheCompoundingInvestor 6 ай бұрын

Thanks so much Tom. All the best for 2024!

@shaneomack5018 6 ай бұрын

Over here in the states the tech market exploded with so much profits. The apartments and reit market is about to see a huge jump since the fed looks to drop rates a few times. 2024 will be brilliant

@NicolaatTheFrugalCottage 6 ай бұрын

I love this! I'm hoping to get back on track at some point during 2024. Here's hoping.

@TheCompoundingInvestor 6 ай бұрын

Thanks Nicola. All the best for 2024!

@KJ318. 6 ай бұрын

Great overall performance for 2023; all the best for 2024. Thank you for sharing your journey 👍

@TheCompoundingInvestor 6 ай бұрын

Thanks so much. Best wishes for the New Year!

@willb3019 6 ай бұрын

I'm a relatively new trader. Up 16.13% this year in a £17,000 portfolio. Here's to 2024!

@TheCompoundingInvestor 6 ай бұрын

That's awesome! Are you mainly in US stocks?

@willb3019 6 ай бұрын

@@TheCompoundingInvestor I have about 56% in US, 14% UK, 20% EU+GER. Admittedly I do have a lot of overlap in the companies with different Vanguard ETFs, but it's all a learning curve. For the start of 2024, will be focusing on US stocks.

@jacksonslaneband1668 6 ай бұрын

As comprehensive as ever! great yearly update

@TheCompoundingInvestor 6 ай бұрын

Thanks so much I really appreciate it

@chazzdposh 6 ай бұрын

Another fantastic video and congrats on a great year! I’ve only just investing in shares as I wanted to use high interest savings accounts to save up for my deposit on a house, but I’m already at over £19k in my portfolio because I follow the same great investment thesis. Looking at all the negative numbers in this video, it reminds of what Warren Buffet said. He said that you would be happy if the price of beef went down and you were a net buyer of beef, so why are people unhappy that the market goes down when they are net buyers of stocks? An interesting thought experiment that we investors must deal with. Here’s to a great 2024 everyone and happy investing!

@TheCompoundingInvestor 6 ай бұрын

Thanks so much for watching and for sharing your investing journey. Yes when companies I believe in for the long term are having a temporary blip I’ll often add more. All the best for 2024!

@alistairpenny5808 6 ай бұрын

Well done up 54.07% finally maxed out the isa and 32,000 in the premium bonds now been buying American stocks towards the end of the year like Coca Cola, Procter and Gamble, Johnson and Johnson and finally Costco have done quite well think it is a fair trade off with the tax on dividends as I think the US will be a year ahead of the uk in recovery but it is going to be a excellent 2024. Good luck and a happy new year 🎉

@TheCompoundingInvestor 6 ай бұрын

Awesome work. Some great companies there. All the best for 2024!

@jeromegudgeon 6 ай бұрын

Great video. A few differences to my approach and a few similarities. I'm moving my SIPP gradually to income and have a few chunky holdings to shift including a lucky punt on Amazon years ago. Nonetheless 2600 average a month in dividends all reinvested for now is a good result. Portfolio is about 30% ETFs, 30% Investment Trusts and 30% individuals like Lloyds, L&G, RR with some lucky ones in there too. I don't bother looking at performance just thinking about safe long term dividends so no renewables which I consider a fad. Keep sharing, production is become more professional each month.

@TheCompoundingInvestor 6 ай бұрын

Thanks for sharing your strategy. Looks like a good balance there of trusts, ETFs and individual shares. All the best for 2024!

@danielli9569 6 ай бұрын

My portfolio is up around 9% excluding dividends! So very happy

@TheCompoundingInvestor 6 ай бұрын

Good work and all the best for 2024!

@sanjayraja7639 6 ай бұрын

Great video to end 2023! Enjoyed watching you updates throughout the year and comparing to my portfolio. Going forward to see the updates in 2024. Wishing you a prosperous and healthy 2024. 👍

@TheCompoundingInvestor 6 ай бұрын

Thanks so much. Wishing you the very best for 2024!

@gianlucapagnoni283 6 ай бұрын

I wish you Happy New Year! Thank you for keep posting those interesting videos, so inspiring! I've just hit the 1K/year dividend with my 2 years old portfolio, still a long way...

@TheCompoundingInvestor 6 ай бұрын

Nice work. All the best for 2024!

@weld3z 5 ай бұрын

Nice job buy O or T for good devident, disagree to add SP 500 now focus on devident stocks or bonds with higher yeld, GL

@malcolmbirkett1347 6 ай бұрын

Great work and great returns on your investment 😊

@TheCompoundingInvestor 6 ай бұрын

Thanks so much Malcolm. All the best for the New Year!

@markeh1971 6 ай бұрын

Hi, i do look forward to your updates and specials, please keep it up. Just the start of my journey, SIPP year one and stocks and shares ISA soon. A bit late in life wish i had started earlier, but hopefully will do ok. Take care M.

@TheCompoundingInvestor 6 ай бұрын

Thanks so much Mark. Nice tax protection there with the SIPP and later the ISA. I think unless we are Warren Buffett we all feel we should have started earlier. I believe he started at 11 years old! All the best for next year.

@mattsennett 6 ай бұрын

A 9.6% return inc dividends is a good return on average but it does look low compared to the S&P500 this year. My non ETF holdings only returned 5.67% inc dividends in 2023 so you did far better than me as I didn't go for RR. for example and got hit hard in AAL and BATS. Happy New Year and good luck in 2024 👍🏻

@TheCompoundingInvestor 6 ай бұрын

Yeah the S&P500 has done well this year but it is more or less where it was 2 years ago. Having said this my S&P500 ETF is a big favourite and I do add quite a lot to this and will continue to do so. All the best for 2024!

@matteden7535 6 ай бұрын

All the best overall a great year and all the best for 2024

@TheCompoundingInvestor 6 ай бұрын

Thanks so much. All the best to you too.

@joelyoung5222 6 ай бұрын

37% a phenomenal year, well timed purchases of Adyen, Brookfield, meta (last year), uk warehouse reits, and general upswing.

@TheCompoundingInvestor 6 ай бұрын

Excellent work! All the best for 2024

@joelyoung5222 6 ай бұрын

You too, won’t see that again or for a long time. Very lucky @@TheCompoundingInvestor

@01302 6 ай бұрын

Great video, congrtulations on the Rolls Royce performance- some excellent returns! Have a great and prosperous '24.

@TheCompoundingInvestor 6 ай бұрын

Thanks so much, yeah Rolls Royce has performed amazingly this year. All the best for 2024!

@Norfolkpaul 6 ай бұрын

Happy new year 🥳

@TheCompoundingInvestor 6 ай бұрын

Happy New Year Paul!

@dividend_spaarder 6 ай бұрын

Ay great video could you make a video of your youtube analytics

@gustavoc.301 6 ай бұрын

Amazing video!

@TheCompoundingInvestor 6 ай бұрын

Thanks so much I really appreciate it

@beancount811 6 ай бұрын

Rolls really went on a tear after the new CEO started cooking. Good stuff. Was well worth the lockdown pain to buy and hold it. Many happy returns!

@TheCompoundingInvestor 6 ай бұрын

Thanks so much and all the best for 2024!

@beancount811 6 ай бұрын

@@TheCompoundingInvestor Thanks CI. Been a great year - nearly matched the NASDAQ with mostly UK dividend shares! Did bail out of tobacco and alcohol to buy more financials, but that was about it. The rest was just buying cheap and holding through the pain. :)

@assetstacker 6 ай бұрын

Solid returns and a great video mate. I think I managed around 7% on the year. I hope you are planning on treating yourself in some way for the 500k milestone :)

@TheCompoundingInvestor 6 ай бұрын

Thanks Buddy. Well done with your investments and your KZfaq channel. Yeah, when I reach 500k I intend to treat myself to a few Unilever shares! :)

@colinuk1984 6 ай бұрын

Another awesome video

@TheCompoundingInvestor 6 ай бұрын

Thanks Colin. All the best for 2024!

@ianfisher7360 6 ай бұрын

A new better paid job helped me get over the 250k hurdle. Was maxing out isa with 12 individual holdings ( including RR phew) s&p and ftse trackers, high yield and also murray growth investment trusts. Moved on to putting new money into a sipp ( 20% tax gain) and this year looking to move isa dividends across also. Going big on miners to hopefully make then pull gains and also put some into India as a long play. Love the vids, love the progress and inspiration. Have a happy and prosperous New Year.

@TheCompoundingInvestor 6 ай бұрын

Good work and thanks for sharing your strategy. All the best for 2024!

@danielli9569 6 ай бұрын

India?? Any reason and how did you do that?

@ianfisher7360 6 ай бұрын

A large country with a growing economy, good education and people bettering themselves. Companies will emerge to feed that need. India growth fund for long time gain in the background. Good luck.

@NS-pt9rr 6 ай бұрын

@@ianfisher7360exactly right, I too think India will be a big driver in the future alongside the S&P500.

@danielli9569 6 ай бұрын

@@ianfisher7360 but how did you invest? What broker account did u use?

@piphacker 4 ай бұрын

This is putting away around 1400 per month for 15 years, big congrats! High paying job or very, very good saving skills 🤝

@TheCompoundingInvestor 4 ай бұрын

247k invested. The rest is capital growth. Average of around £1370 invested per month. Ordinary job in the education sector but I made sure I paid my mortgage off before investing. The video below will explain more if you are interested.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@Zero-Investing 6 ай бұрын

Great video 👌

@TheCompoundingInvestor 6 ай бұрын

Thanks. All the best for 2024!

@quokkapirquish6825 6 ай бұрын

Congratulations on the Rolls Royce holding, wow what a result! Next year I will use my dividend income to continue adding into my ETFs. My largest individual holding is MNG which has had a cracking year. Happy new year to you, love your inspiring videos

@TheCompoundingInvestor 6 ай бұрын

Thanks so much. Yes I'm a big fan of ETFs over the last few years.

@simonruddle6511 6 ай бұрын

Many thanks for your update. I have shares in 28 mainly FTSE100 companies like yourself and understand that these are mainly defined by income, so the reinvested dividends are what drives the growth. Slow and steady for 2024!

@TheCompoundingInvestor 6 ай бұрын

Thanks for watching and commenting Simon. Yes I would agree that for many companies in the FTSE 100 dividends are the greater driver than growth but nice to have a bit of both. I always find dividend income very motivating as its a tangible thing I see flowing in each month. When the ISA is full I have little option but to buy lower dividend shares outside of it. The S&P500 suits that purpose quite well. All the best for 2024!

@Gyaan_paapi 5 ай бұрын

Apart from US index ETF You can look or research about some emerging market indices as well, like Nifty 50 of India. It gives 12-13% CAGR for long-term. Anyway good content 👍🏽

@TheCompoundingInvestor 5 ай бұрын

Thanks for the suggestion. I will look into that ETF

@ismaildinho1000 6 ай бұрын

Very nice journey mate

@TheCompoundingInvestor 6 ай бұрын

Thanks so much

@Dr.JubairsFinance 6 ай бұрын

Happy New Year Professor!

@TheCompoundingInvestor 6 ай бұрын

Greetings Dr Jubair! Best wishes for 2024!

@markgriffiths9377 6 ай бұрын

Excellent 🙂 Did you even pay £1 per share for Rolls Royce? I recall you were buying some when it went down to around 70p. I still think it is undervalued. As for me, I had been solely buying index funds (namely the VWRL), but I couldn't resist getting back into individual shares. I have Lloyds, Diageo, Unilever, GSK, BAE Systems, Croda, Pepsico, Target, American Express, Realty Income, AbbVie and Cisco. Plan to add some more companies in the new year when some of my savings mature. For some reason I can't stay motivated if I invest only in index funds, even though I know that's the more sensible option. Anyway, well done again. This portfolio is turning into a beast!

@TheCompoundingInvestor 6 ай бұрын

Thanks, I think I started buying Rolls Royce when it dipped below £1. I remember it carried on falling towards 70p. I think I bought several times below £1 and several times as it went back up above £1 again. You have some great companies there. All the best for 2024

@markgriffiths9377 6 ай бұрын

@@TheCompoundingInvestor Thank you. You too. I have seen some comments suggesting you move from Barclays. If you had a smaller amount, I'd definitely recommend coming over to T212 where I am. However! Every single person I know who has transferred their ISA to T212 had to start all over again - they weren't allowed to do an in-species transfer and it seemed to leave them in limbo for a while (as the transfer itself took weeks). I do hear that going forward, you will be able to do an in-species transfer, but it's still quite risky without knowing for 100%. I think if you invest large amounts at a time, HL would be a decent choice. If I could understand their fee structure, Interactive Brokers also looks good. Of course, you could open a new ISA for 2024-25 while still keeping all of your current holdings in Barclays. Up to you but I'd be careful transferring all those stocks over without a guarantee that you don't have to buy them all again.

@TenPester 3 ай бұрын

Going to start doing this. Earn £90k a year salary so I need to start using it wisely.

@TheCompoundingInvestor 3 ай бұрын

Good luck on your journey

@SovereignSaurus 6 ай бұрын

Another great video, thanks for sharing and congrats on what looks to be a reasonable year especially considering so many sectors look to be down on the YTD, should certainly boost the value of the portfolio as some of those come back!

@TheCompoundingInvestor 6 ай бұрын

Thanks. Hopefully next year will be a good one. Hoping for a bounce back from Croda. Bought it at the worst possible time. All the best for 2024

@SovereignSaurus 6 ай бұрын

I was tempted by Croda mid October and had it shortlisted but bought McDonalds Barrat and Persimmon so I'm not upset but still have an eye on Croda for one to add@@TheCompoundingInvestor

@chris021able 6 ай бұрын

Majority is in a global index so that's up 13.61%. Goal for this year is just to invest as much as I can into my S&S ISA up to the 20K.

@TheCompoundingInvestor 6 ай бұрын

Awesome work! Roll on 2024! Good luck!

@pataleno 6 ай бұрын

Very happy with returns this year.. I'm mainly invested in S&P500 and Global Index fund. Return 16.06% For 2023.

@TheCompoundingInvestor 6 ай бұрын

Excellent work. Good luck for 2024

@RiskOnInvestor 6 ай бұрын

Been a quiet lurker - but I enjoy the content and seeing your consistent journey and year on year growth of dividends is great! Over £1k in dividends per month now is great! Do you have a target dividend income you're aiming for? If you reach it will you be looking to pull the trigger going part time or retirement?

@TheCompoundingInvestor 6 ай бұрын

No specific target but it would be great to one day for my dividends to exceed my full time wages. Not sure that will happen but I'm sure some people could do it if they started early and were determined enough. To answer your second question, I'm happy at the moment in my day job but you never know how things can change in the future. Having a stream of passive income does lift a weight off your shoulders because as you say you can go part time or give up some responsibilities if you want to. Having choices in life is a great thing.

@RiskOnInvestor 6 ай бұрын

@@TheCompoundingInvestor sounds like a good situation to be in - having that pot (pot feels like an understatement for £400k!) Gives you options. Hope you had a great Christmas and that 2024 is good to you!

@TheCompoundingInvestor 6 ай бұрын

All the best for the New Year.

@OneAndOnlyMe 6 ай бұрын

I started mine around the same time, 2010 (to take advantage of the BP share price fall during Macondo incident). My total inflow to date is £192k, and my portfolio value is £420k. I made £4,300 from trading, and collected £27k in dividends in 2023. (I'm also self taught, probably made the same mistakes as yourself initially, not knowing about ex-dividend dates etc.)

@TheCompoundingInvestor 6 ай бұрын

Good work. Thanks for sharing details of your journey. Yes I got into BP at exactly the same time.

@NS-pt9rr 6 ай бұрын

Re dividend & ex-div, would it be better to purchase shares after or a day after the div is paid out or purchase closer to the ex-div date to take advantage of receiving the div ?

@TheCompoundingInvestor 6 ай бұрын

@NS-pt9rr It dosen’t make much difference. If you purchase the shares before the ex-dividend date you will get the dividend but the shares will fall in value by the same amount as the dividend (on the ex-dividend date). Having said this, in the early years I did buy slightly before the ex-div date for the motivational effect of receiving the dividend shortly after purchasing the shares.

@OneAndOnlyMe 6 ай бұрын

@@NS-pt9rr It really depends on what you think the share price will do, and whether you want to buy more shares when it dips. Typically a share price will dip around ex-div date. Share prices will typically reflect the outflow of capital paid in dividends around the dividend payment date. But remember also, whatever else might be happening in the markets could override these. I've seen time s when a share price continues to rise pot ex-div. Another thing to keep in mind is that if a stock has large number of institutional ownership, then the automatic dividend reinvestments can cause a momentary rise in share prices. I tend to wait a bit after div payment dates to reinvest, or I just wait until the next ex-div to buy more. There is less waiting time if it's a BP where the ex-divs are quarterly.

@philr8971 6 ай бұрын

Have loved the content through the year, it’s really good to see a long term journey and the ups and downs. The goal for this year was to have a positive return and to increase the average monthly dividends being received compared to last year and (drum roll) I managed it. The same goals are being set for next year as that should keep things nice and simple

@TheCompoundingInvestor 6 ай бұрын

Thanks so much for your support. All the best on your journey for next year

@Kris_Bo 6 ай бұрын

Been a lurker for a number of months, great result this year well done! Just wondering why you dont seem to have any REITs in your portfolio given some of the attractive yields at the moment?

@TheCompoundingInvestor 6 ай бұрын

Yeah I don’t really know too much about that sector to be honest. Was tempted to buy Tritax a few years ago but never got round to it. Not ruling this sector this sector out in the future however but will need to do some research

@srimantapattnaik8111 3 ай бұрын

Thanks for sharing your knowlegde. Do you use juts one broker for all your ISA portfolios ? Please advice which brokers we can use for a £100k size port folio and why ? Thanks in advance. Patt

@TheCompoundingInvestor 3 ай бұрын

I use Barclays Smart Investor and have just one ISA with them. For large portfolios I prefer a traditional broker like Barclays, HL or AJ Bell. They are more expensive however but have many decades of experience and can probably cope better in a serious economic downturn. The newer app based platforms are great for new investors with smaller portfolios but they are relatively untested and have poorer customer service. It’s a matter of choice at the end of the day. The video below might be useful.. Best Stocks & Shares ISA For 2024 kzfaq.info/get/bejne/fr2Plchiy7uRd2w.html

@hcruz7367 6 ай бұрын

What happened to that challenge you mentioned at the start of the year where we nominate the shares and you buy versus the index?

@TheCompoundingInvestor 6 ай бұрын

The aim was to try and beat the market over a year as an experiment. The final one is below if you didn’t see it. Viewers' FTSE 100 Share Portfolio Final Update kzfaq.info/get/bejne/otWmgNmYvcfOj40.html

@Gump1Gump2 6 ай бұрын

Thanks for your yearly update video. When you mention ‘new money in’ in your year to date performance slide could you could confirm is that £22,000 additional money from salary etc you have invested over the year or new money from the dividends? Thanks

@TheCompoundingInvestor 6 ай бұрын

Thanks for your question which is a good one. Just to confirm that 'new money' means money transferred from my current account e.g. wages / savings. Dividends always remain inside the platform and are never taken out so therefore dividends would not be classed as new money.

@Gump1Gump2 6 ай бұрын

⁠⁠⁠@@TheCompoundingInvestorthank you for confirming. One last question, when you mention ‘all world index’ i presume you are talking about a global all cap index fund, which includes the S&P 500 and other ETF’s. Thanks and Happy New Year to you.

@TheCompoundingInvestor 6 ай бұрын

@@Gump1Gump2 Happy New Year. For all world index I use VWRL for that figure. Yes that one is made up of around 60% US stocks I think and 40% of other stocks from around the world.

@Bombastic786 6 ай бұрын

Great! What are your opinions on ftse global all cap?

@TheCompoundingInvestor 6 ай бұрын

I might well add it to my own portfolio at some point

@glenakatsr 3 ай бұрын

I feel like this is over complicated but obviously it is working for you, would it not be better just to lump it all into a dividend index fund VHYL for example?

@TheCompoundingInvestor 3 ай бұрын

VHYL is dividend focused rather than growth which is fine in my book but because they are global shares there will be dividend withholding tax and that will eat into my profits. I like VHYL but don’t want to hold too much in them

@playingFTSE 6 ай бұрын

Trading 212 doing in-specie transfers early next year, how long before you make the jump 👀

@TheCompoundingInvestor 6 ай бұрын

That's interesting, I didn't know that. Thanks for the info. I've heard a few horror stories with investors trying to transfer shares between providers but perhaps it's a more smoother process these days.

@The_Summit_Wanderer 6 ай бұрын

What's your opinion on the FTSE for 2024m a better year ?

@TheCompoundingInvestor 6 ай бұрын

Over several years it should go up but over a single year I have no idea. I’ll be drip-feeding money in each month regardless.

@richsmart321 2 ай бұрын

My feelings are water companies are going to get a shock from ofwat this year and share price as welllas dividends will plummet.

@Paul-bv4ge 4 ай бұрын

Have you compared your results with simply buying the ftse 100 tracker?

@TheCompoundingInvestor 4 ай бұрын

Would have probably done better with a tracker in hindsight but they were not common when I first started out. these days I invest a lot in a variety of ETFs but I also like individual shares to purchase bargains when they emerge.

@DestinationWealth1 5 ай бұрын

Hi Also a UK investor. How can I contact you directly as I have some questions about your venture into KZfaq? Regards Adam (Swansea)

@oa3699 6 ай бұрын

Hi Boss, thanks very much for sharing your journey with us.. It has helped me immensely. Please, would it be possible to share with us how you select the shares you choose to re-invest (the dividend payment) in.. ? Or, do you simply re-purchase the shares of the same stock; to re-invest in - for growth ? This year I am up - 21%.. But very small portfolio: £5,876.07 [Capital - £4,853.69; Profit - £1,022.38; Dividend payout this year - £22.36] I bought a mixture of UK & US stocks for capital growth & dividend payment.. 1ce again, many thanks for all that you do.. Happy 2024.. !!

@TheCompoundingInvestor 6 ай бұрын

Thanks and Happy 2024. I don’t tend to put money back into the shares which paid them. Instead I wait until I’ve got between £500 and £1000 worth and buy something which I believe in and which has fallen in price and I think might be oversold. Unilever, Diageo, Rolls Royce, Croda are all good examples. If I can’t see any bargains then I’ll simple buy an ETF such as VHYL, ISF or IUSA

@oa3699 6 ай бұрын

@@TheCompoundingInvestor Ok, great.. This really helps.. Many thanks.. !!

@yunussavas3481 4 ай бұрын

What app do you invest in trading 212?

@TheCompoundingInvestor 4 ай бұрын

I have a few shares in T212 but my main portfolio is with Barclays

@smeg3519 6 ай бұрын

I’m new to investing in 2023 and can’t stop changing my mind. I kinda realise that investing in great ETF’s is probably the way to go but I find it so boring so end up buying individual companies. Why do I feel I need to see cash flow coming in with dividends? I should just be happy with ETF’s. What’s the matter with me

@TheCompoundingInvestor 6 ай бұрын

Lol! I can relate to that 😂

@smeg3519 6 ай бұрын

For some reason I think that I don’t need ETF’s. My New Year’s resolution is gonna be to just invest in ETFs and be boring 😅

@TheCompoundingInvestor 6 ай бұрын

I’ll try to do the same but I’ll probably break my resolution within a week!

@smeg3519 6 ай бұрын

What’s your thoughts on VHYL? Worth investing into while I’m still in the early growing stage?

@TheCompoundingInvestor 6 ай бұрын

From what I’ve read, VWRL outperforms VHYL in total return over the long term, VHYL pays the higher dividend of course but the share price doesn’t really grow that much in comparison. I do own VHYL because I’m a dividend fan but may add VWRL in the future to balance things out a bit.

@smeg3519 6 ай бұрын

So you’re thinking of having VHYL and VWRL in the same portfolio?

@TheCompoundingInvestor 6 ай бұрын

@@smeg3519 Thinking about it. No immediate plans to by VWRL yet

@smeg3519 6 ай бұрын

Yeah, thanks mate. I’m just playing about on Justetf looking at forming a 3 fund portfolio.

@nixielee 6 ай бұрын

I would be very careful with loading up on the S&P500 ETF for 2024. Good move doing it in 2023, but that was then. Way overvalued now with an insane PE. You should probably adopt another US ETF instead with small and mid caps. They are at PE 15 instead of 25. Will make a huge difference over the next 5 years. Small caps are due for a real run, even if they started in late 2023.

@TheCompoundingInvestor 5 ай бұрын

Yeah that’s a fair point. Does look overvalued. US stocks make up only around 7% of my portfolio currently.

@tommytinkler1708 6 ай бұрын

The S&P500 fund is 30% of the big 7 now and world fund 15%, not really bringing the diversification like they used to do.

@brianscoffield584 6 ай бұрын

If you adjust for purchasing power how do you think you have done?

@TheCompoundingInvestor 6 ай бұрын

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.

@brianscoffield584 6 ай бұрын

@@TheCompoundingInvestor Why are you satisfied with that? Do you ever consider that you might be missing something?

@TheCompoundingInvestor 6 ай бұрын

@@brianscoffield584 Sure, in hindsight I wish I had invested more in the S&P500. I’ll be buying more of that going forward. What is your investing strategy?

@brianscoffield584 6 ай бұрын

Hi there. In terms of my share account, my SIPP and my ISA I am almost exclusively invested in Microstrategy and Cleanspark, a Bitcoin miner. It has been a wonderful 2023 and I am expecting things to continue that way for at least the next 12 months but I watch it like a hawk. I can't tell you what to do but I would urge you to take a look at these stocks because they are in a super disruptive industry which is still very small. I have a small holding in Tesla also but I expect the others to outperform that for now. I would be interested in your opinion on my strategy. All the best for 2024.@@TheCompoundingInvestorbtw, CLSK has made a 6X in 2023 and Microstrategy has done a 5X.

@carlm7697 6 ай бұрын

Genuine question, don’t you ever worry that a company that you invest in will go bust, like woolies or black rock did ?

@TheCompoundingInvestor 6 ай бұрын

If I was invested in 1 or 2 companies I would worry but my portfolio consists of thousands of companies covering many sectors and geographical locations if you include the exchange traded funds.

@carlm7697 6 ай бұрын

Thanks (:

@beancount811 6 ай бұрын

@@carlm7697 CI is crafty - company specific risk drops off as you add more holdings and diversify. With twenty holdings, a complete wipe out on one holding would only represent a 5% capital loss, which more often than not is compensated for by your other holdings doing better. With ETFs, the risk of a real doozy is even lower, provided you don't sell in a downturn and hold for long period. :)

@Justaleedsthing 4 ай бұрын

Have you stopped putting money into BAE?

@TheCompoundingInvestor 4 ай бұрын

I haven't added any for years. Happy to hold for now.

@ONEMANUNITX 3 ай бұрын

do you have to pay to invest in another company? via barleys? 6£? ?

@TheCompoundingInvestor 3 ай бұрын

Yes, Barclays is very expensive. Much cheaper options for those with small portfolios or just starting out.

@Justaleedsthing 4 ай бұрын

How do you know when to re balance your portfolio?

@TheCompoundingInvestor 4 ай бұрын

For me there really are no rules to it. I don’t do it very often but oil shares can be very volatile. I expect shell and BP to have really good times and really bad times but you never know when or for how long. When they crashed during covid I loaded up several times as I knew it was unlikely they would go bust and they would eventually recover again. When they did recover they totally dominated the portfolio as I had put a lot in while they were low. Other cyclical sectors include the Housebuilders and miners. So difficult to time the market however so I just make small adjustments. I really don’t have any rule to it and don’t always get it right.

@Justaleedsthing 4 ай бұрын

@@TheCompoundingInvestor yeah I think I understand what you’re saying. I was looking online and it says something about the 5% rule where if a company is 5% ahead of everything else, re balance that stock by selling it to make profit and then re invest that money into other stocks? Also how do you stop having anxiety when investing because I’m suffering from huge anxiety right now

@TheCompoundingInvestor 4 ай бұрын

@Justaleedsthing I’m not a fan of any rigid rule like a set percentage because I’m happy to have far more invested in a few companies I really believe in like Unilever and Diageo while others are more risky and I only want a small amount invested in them. As regards anxiety, I would probably have lots if I was investing in smaller more volatile companies but I generally invest in the big boring giants which just plod along churning out dividends. We all need water, electricity, fuel and medicines and we probably all have Unilever products at home. Unlikely to go bust and they are virtual monopolies. I don’t really focus on the portfolio size, I just concentrate on growing the dividend income as that’s the real motivation. I also invest for the long term and I eventually want to live off the dividends. I made sure all my debts were paid off before starting this portfolio. I invest with money I don’t actually need for any other purpose.

@Justaleedsthing 4 ай бұрын

@@TheCompoundingInvestor so the stocks I currently invest from the uk are shell ( 1 share ) aviva ( 6 shares) BAE ( 1 share ) Barclays ( 4 shares ) BSIF (12 shares ) BP (2 shares ) I found Diageo from you ( 0.1 shares as I feel like people won’t ever stop buying alcohol) green coat wind ( 4 shares ) gsk ( 0.1 shares as it’s a medical sector that brings cancer medication or something ) hsbc ( 1 share ) Ig group ( found from you 0.1 shares ) I have imperial brands ( 0.1 shares but I’m thinking if I should just invest in BATS? ) ISF ETF ( 2 shares which invests in shell and AZ etc ) IUSA ( 0.1 shares ) Lloyds bank (24 shares) national grid ( 1.1 shares ) renewable infrastructure ( 3 shares ) Rio tinto is a new one to my books ( found from you 0.1 shares) shell ( 1 share ) SSE ( 0.2 shares ) tate and Lyle ( 1 share, found from you ) Tesco ( 5 shares ) and then the s&p500 (1.1 shares ) So from looking at that how would you describe that portfolio? And what changes would you personally do?

@TheCompoundingInvestor 4 ай бұрын

Yeah similar to mine in most respects. I do feel I have a bit too much in the financial sector which can be rather volatile. The banks have not been that great for me over the years if I'm honest. HSBC is probably the best of the lot. I'll probably put progressively more into ETFs as time goes by, like the S&P500 and to a lesser degree ISF as I'm already quite heavy in UK stocks

@MyGibas 6 ай бұрын

200-300£ a month .Is IT worth start dividend investing journey?Im 40 years old.

@beancount811 6 ай бұрын

Give it a shot. After 25 years, you would still be looking at a pot of somewhere in the region of 150-200K, which could then net an income of about £6-8K per year. It will look very slow to start with, but somewhere around the half way point, you'd be able to add £250 on average in dividends to your contribution to reinvest per month. Equally, in that time it's likely you'll get some sort of increase to your main source of income as well, so you could save more as you progress. And you don't have to stop investing after you retire!

@pahaihminen1 3 ай бұрын

My divident income is 13p/ day lol. Started a year ago

@TheCompoundingInvestor 3 ай бұрын

Good work! Onwards and upwards from here. Good luck on your journey

@01mememememe 3 ай бұрын

How do you manage all these companies, an app or? Do you have to pay fee's?

@TheCompoundingInvestor 3 ай бұрын

I use the Barclays Smart Investor platform buy all my shares. Quite expensive however and there are trading and management fees. Trading 212 or FreeTrade are perhaps better options for those starting out or with smaller portfolios

@01mememememe 3 ай бұрын

thank you very much - wishing you great returns@@TheCompoundingInvestor

@justinputten6005 3 ай бұрын

how much did the stocks go up or down from start to now?

@TheCompoundingInvestor 3 ай бұрын

Difficult to calculate as I sold and rebought so many times and at different prices over 15 years. I do know how much money has gone into the platform however and what the total value is now. Roughly 255k has gone in and current value is around 435k. Some will have done much better than this but I'm just showing my own journey.

@justinputten6005 3 ай бұрын

@@TheCompoundingInvestor that’s the best to keep it by yourself. If you’re happy with it , then it’s good. I thought maybe you didn’t sold the stocks/etf’s in the past 15 years. But it isn’t bad almost 50% up!

@aidamenzel2475 4 ай бұрын

How the City of London Trust

@TheCompoundingInvestor 4 ай бұрын

I’ve just had a look. Seems they invest mainly in FTSE 100 shares. The yield is good at around 5% compared to a FTSE tracker at 4% however over the last 5 years City of London trust share price is down 2.5% compared to a tracker such as ISF which is up 6.3%. I guess you are getting a bit more dividends and a little less capital growth.

@abz0909 6 ай бұрын

Ftse100 not done very well this year

@TheCompoundingInvestor 6 ай бұрын

I agree

@boomdaus 6 ай бұрын

You are starting to put a lot of faith in the USA market with no real showing for emerging or small cap. If you back in time Japan was the largest market! Also please look into reality income (o)

@TheCompoundingInvestor 6 ай бұрын

Thanks for the suggestion. I do have VHYL which is a global ETF. My early adventure into small caps on the AIM market didn’t go well I have to say so it’s an area I’ve avoided since then.

@boomdaus 6 ай бұрын

@@TheCompoundingInvestor Small cap is volatile stuff but may be worth the risk depending on the timescale you are working with.

@rajaradhakrishnan1230 3 ай бұрын

Hi, could you tell why ishares IUSA, why not vanguard ?

@TheCompoundingInvestor 3 ай бұрын

As far as I can tell there is no significant difference between the two. I already had an iShares FTSE 100 ETF and was happy with that

@rajaradhakrishnan1230 3 ай бұрын

@@TheCompoundingInvestor Thank you ! I'm a beginner and planning to start through 212 with sap 500 and diageo, unilever.. And possibly a few from your good dividend providers list. Is it a good way to start ?

@TheCompoundingInvestor 3 ай бұрын

@rajaradhakrishnan1230 I’m definitely a fan of those companies and the S&P500 ETF is another I’ve been investing into in recent years.

@rajaradhakrishnan1230 3 ай бұрын

@@TheCompoundingInvestor Thank you 😊

@farmanshah9547 6 ай бұрын

Which platform do you use for stocks and shares isa?

@TheCompoundingInvestor 6 ай бұрын

I use Barclays Smart Investor and been with them for 14 years. They are very expensive however and there are much cheaper platforms out there for people first starting out or with smaller portfolios e.g. Trading 212 or for ETFs InvestEngine is worth considering.

@farmanshah9547 6 ай бұрын

I have a portfolio of around £12000. Im mainly invested in US stocks. Im using freetrade app, if you have heard about this app is it good for long term, in terms of money security.

@TheCompoundingInvestor 6 ай бұрын

Yeah I also have that Freetrade app and have a small experimental portfolio on it. I really like the interface and how easy it is to use.

@farmanshah9547 6 ай бұрын

Thanks for the quick response

@texkenny759 3 ай бұрын

Apologies if this has been answered before. Your total investment of 247k, is that including the interest, and if so, what have you invested out of your pocket so to speak. Thanks in advance.

@TheCompoundingInvestor 3 ай бұрын

So to date I’ve invested 255k which has been transferred from current account into my investing platform since 2009 (drip fed in each month). Not taken any money out. Value today is 450k. Many will have done better, I was confined to U.K. stocks on my platform until about 2 years ago and ETFs were not mainstream when I started. Hope this helps

@texkenny759 3 ай бұрын

@@TheCompoundingInvestor Actually it doesn't answer what I'm interested in. If you could split your portfolio into 3 pots. Pot A, strictly your own personal money that has been paid into the account, from surplus wages etc. Pot B, any interest/dividends paid out to yourself then put back into the investment Pot C, strictly the difference between A & B combined and the total portfolio amount. So basically the improvement in value of assets purchased. I'm interested in Pot A.

@TheCompoundingInvestor 3 ай бұрын

Pot A is exactly what I described. Since Jan 2009 I’ve recorded exactly how much money from my wages has gone from my current account into my Investing platform. I’ve transferred 255k across from my wages. No money has left my investing platform. Dividends remain in there and get reinvested to buy more shares. If I sold all my shares today and took all the money out and closed the investing account then what I would have in my hand would be 450k. So therefore a 195k profit. The video you watched is obviously a few months old now so the figures I’ve given to you will be different from that seen in the video I made at the start of this year. I’ll be doing another portfolio update in April

@texkenny759 3 ай бұрын

@@TheCompoundingInvestor right ok, thanks for the reply

@goddddddamm 6 ай бұрын

22k new money in - is that a large chunk of your wages? - Do you live a frugal liftstyle?

@TheCompoundingInvestor 6 ай бұрын

Mixture of wages and savings. I live a very frugal lifestyle.

@goddddddamm 6 ай бұрын

Ah - good for you mate, that is a huge amount to put away in 1 year, your nearly averaging 2k a month! Are you going to take your foot off the gas so to speak do you think in the coming years? @@TheCompoundingInvestor

@TheCompoundingInvestor 6 ай бұрын

I think I’ll keep things roughly the same for the time being. During times when the market is booming I put less in and save more When the market falls I use those savings to put a bit more in. I also made sure I paid off the mortgage before starting this portfolio. This took a lot of sacrifices to do but it now gives me more cash each to invest. I’ve done a video on my early journey if you are interested. The link is below.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@Justaleedsthing 4 ай бұрын

Do you hold your ETFS in your investment portfolio and not your isa?

@TheCompoundingInvestor 4 ай бұрын

Unfortunately there is not enough room in the ISA to put everything inside it so I keep the lower dividend payers outside. My S&P500 ETF is the only one kept outside as it only pays a 1.4% yield. The other ETFs pay between 3-4% so I keep them inside the ISA

@user-cp2wp6mc3y 6 ай бұрын

Why no bt group stocks?

@TheCompoundingInvestor 6 ай бұрын

The shares have lost half their value over the last 5 years. Not a sector that appeals to me at the moment. I also had a bad experience with Vodafone a while back. Paid a dividend but lost way more in the share price.

@user-cp2wp6mc3y 6 ай бұрын

@TheCompoundingInvestor do you not think this is a good entry point though? Thanks for response

@TheCompoundingInvestor 6 ай бұрын

@user-cp2wp6mc3y I’m not sure myself but there was a recent article about them in the Motley Fool. Haven’t read it but I’ll leave the link below.. www.fool.co.uk/2023/12/28/what-will-2024-have-in-store-for-the-bt-share-price/

@charliedaniel718 4 ай бұрын

Are dividends even worth the money you’re making if the loss % is greater than the yield %? I am new and I see that ass a loss. Am I wrong?

@TheCompoundingInvestor 4 ай бұрын

Sure if you invest for a year and you get 5% dividends but the share price has fallen 10% then overall you have made a loss. However over the long term, share prices do tend to go upwards. Overall my return on investment is +68%

@charliedaniel718 4 ай бұрын

@@TheCompoundingInvestor thank you for the fast reply sir!

@richardt6980 6 ай бұрын

Lol

@informer-365 6 ай бұрын

Time to move out of rip off Barclays mate

@TheCompoundingInvestor 6 ай бұрын

They were once very cost-effective when they were Barclays Stockbrokers but then sometime around 2017 I think they changed their whole platform, pricing structure and even name to Barclays Smart investor. My main worry is if something goes wrong in the transfer of a relatively large portfolio especially were ISA's are concerned. I've heard a few horror stories. Its still something I think about however. What platform do you use?

@informer-365 6 ай бұрын

@@TheCompoundingInvestor I use trading 212 but my old portfolio I just kept still it was free platform only charged to buy and sell and started again in 212. I feel such a fool it took me so long tbh. For stocks outside of ISA I transferred to free trade so I could sell out for free over time to avoid tax

@beancount811 6 ай бұрын

@@TheCompoundingInvestor I'd also like to chime in here re T212 and larger portfolios - for ETFs it's ok, but for some shares you may want to check their maximum order and holding limit for any given shares. I think larger FTSE100 holdings will be fine as well, but some limits are almost arbitrary. You may wish to chat through this with their customer service team before making any in-specie transfer attempts. Having said that from 6 April 2024, you'll be able to subscribe to multiple ISAs in any given tax year as long as your contributions don't exceed the overall allowance limit. So you would be able to experiment with the platform before committing or initiate a second pot to reduce your overall trading costs. Expect the guidance to come out around budget time. It's such an obvious change, I don't think Labour or another Tory government would reverse it going forward.