What A £450,000 Dividend Portfolio Paid Me This Month: Passive Income March 2024

Рет қаралды 55,908

Күн бұрын

Monthly passive income from share dividends and Premium Bond Prizes.
Current holdings of the companies shown in this video..
IG Group (4k), Bluefield Solar Income Fund (2.7k), SSE (12.2k), Unilever (32.8k), AstraZeneca (25.3k), Shell (34.6k), ISF (22.7k), IUSA (32.8k), VHYL (9.1k), BP (28.1k), Imperial Brands (8.1k), The Renewables Infrastructure Group (2.5k), Premium Bonds (50k maximum allowed)
//Freebies and Special Offers
With these links you and I should both receive a small benefit, which really helps this channel.
Please check the Terms and Condition (T&Cs) of the company as offers change.
Trading 212 (Affiliate Link)
Sign up using the link below and fund your account to get a free share worth up to £100 when promotions are running.
www.trading212.com/invite/12i...
Octopus Energy (Affiliate Link)
Britain’s most awarded energy supplier, £50 credit for signing up subject to their T&Cs. share.octopus.energy/lemon-su...
InvestEngine (Affiliate Link)
Kickstart your portfolio with an investment bonus of between £10 & £50 (See T&Cs)
investengine.com/referral-wel...
Lightyear (Affiliate Link)
Sign up and fund your account to get £10 to invest in any stock. T&Cs apply www.golightyear.com/go/fiona558
American Express Platinum Cashback EveryDay Credit Card (Affiliate Link)
Receive £10 cashback when you initially spend £1 on the card. americanexpress.com/en-gb/ref...
Top Cashback (Affiliate Link)
The UK’s no 1 cashback website, get a sign-up bonus subject to their T&Cs. www.topcashback.co.uk/ref/com...
Sky (Affiliate Link)
Receive up to £75 in gift vouchers when you sign up for Sky Glass, Sky Stream, Sky Q or Sky Broadband via the link below
refer.sky.com/fionam-1261
Disclaimer
This video should not be construed as investment advice. Investments can fall and rise. Capital at risk.

Пікірлер: 356

@TheCompoundingInvestor 2 ай бұрын

How is your dividend journey progressing?

@TheGeordiePig 2 ай бұрын

Currently just hit a PADI of £430! I hope to hit £50 a month (£600 PADI) by the end of the year!

@megi5444 2 ай бұрын

I just hit my goal of 300 dividend in one month. Go to the next goal 350 😊

@TheGeordiePig 2 ай бұрын

@@megi5444 amazing!!

@TheCompoundingInvestor 2 ай бұрын

Setting targets along the way. I like it! All the best on your journey.

@pickashole 2 ай бұрын

It's going.. 10 months in and I've over quadrupled the amount I initially wanted to set of with in the first year and dividends all being in the pounds now and not pence. I've a small holding in VOD which which I keep toying with selling.. Other than that I'm happy. I'll keep investing.

@SHYBMX 2 ай бұрын

3 years investing. Made £160 in dividend this month

@ghosthdel3098 2 ай бұрын

what investment do you have? and why did it takes 3 years to get £160 in dividend, is because of the value of the portfolio or something else

@simonsinvestingjourney 2 ай бұрын

That’s amazing

@garyreid2472 2 ай бұрын

Well done. Should be proud that's better than 90% of people. I'm at like £7 on a good month but only under a year in and saving for a house and already own my flat

@Ryan-cn4em 2 ай бұрын

If just starting investing in s&p500, ftse and global index fund using a s&s is a with money box. How do I get dividends paid regularly ?

@goober-ll1wx 2 ай бұрын

Exactly and probably down on the equity too, this is such a crappy way to invest, they are paying dividends because they are crap companies that have nothing better to do with the money!

@TheGeordiePig 2 ай бұрын

Yes yes yes! Love a vid from the CompoundingInvestor! This channel gives me so much motivation to continue on my own journey and hopefully one day be reaping similar rewards to yourself :) I’m now 8 months into my journey, my portfolio is worth 13k!

@TheCompoundingInvestor 2 ай бұрын

Thanks so much, that’s very kind. Wishing your all the best on your journey and your channel my friend

@vicheaterx 2 ай бұрын

Your contribution in the Education sector is priceless as it compounds over time throughout the society. We actually NEED you to stay active as long as possible.

@darraghstewart8478 2 ай бұрын

Whenever I feel is it worth it I look at these videos and push forward

@TheCompoundingInvestor 2 ай бұрын

Thanks so much. Onwards and upwards! All the best.

@michaelbuckingham716 2 ай бұрын

Love watching these with a morning coffee, this helps to keep me motivated even though my funds are extremely tight, keep up the good work. I don't have the full amount in Premium Bonds but I'm pretty close and I've received £1100 already from the first 4 draws. We have just used this money to pay for a new camera to document our adventures as a family and it didn't really cost me anything.

@TheCompoundingInvestor 2 ай бұрын

This is wonderful to read. Well done indeed. A fantastic premium bond total so far. All the best

@Kenton-zc7oi 2 ай бұрын

thank you for inspiring me to start turning my financial stability around. i havent been paid any dividends yet but im already living more frugally and looking forward to the slow process

@TheCompoundingInvestor 2 ай бұрын

Glad you are finding the videos useful. All the best on your journey

@fernwehneunzehn 2 ай бұрын

Thanks for another inspiring vid. I actually started with my S&S ISA a month or so ago, you were a big inspiration for me, though my income is low I really enjoy buying the odd share here and there. I have some Aviva and Lloyds shares, so really excited to receive my very first dividends from them in May :D I can see how you find dividends so motivating.

@TheCompoundingInvestor 2 ай бұрын

That's good to hear. Aviva and Lloyds on a good run at the moment and they pay decent dividends. It can get very addictive when the dividends start rolling in. All the best on your investment journey.

@InvestG3 2 ай бұрын

Absolutely fantastic, very inspirational. Really enjoy watching your portfolio updates each month, keep up the great work, hope I can get to that stage eventually

@TheCompoundingInvestor 2 ай бұрын

Thanks so much. All the best on your investing journey and your investing channel.

@InvestG3 2 ай бұрын

Thank you 😀

@trunky3315 2 ай бұрын

Hello and thanks for the video. I hope you are doing great. I congrats you for this month, crazy to see your evolution months after months !

@TheCompoundingInvestor 2 ай бұрын

Hello Trunky. Thanks for watching and commenting. All the best to you and everyone in France.

@trunky3315 2 ай бұрын

@@TheCompoundingInvestor Thanks a lot. I didn't comment last videos but be sure i watch every video you made !! Have a great night and good week ! see u next time

@gratitudeinvesting 2 ай бұрын

March was an epic month for you! Id ve tempted to work part time with that coming in each month😂 Heres to a strong april🥂

@DividendGrower 2 ай бұрын

March really was nuts, looking forward to what spring cleaning you will be doing in the portfolio.

@TheCompoundingInvestor 2 ай бұрын

Thanks 🙏🏻

@kitcar765 2 ай бұрын

First year of dividend investing, should be up to average income of £45 a month by end of April. This month added Imperial brands and later in the month adding BATS. Should break £100 a month average income by end of the year. Basing holdings roughly on I-Shares dividend income portfolio but limiting dealing fees by buying big chunks of companies a month, eventually leading to decent diversification.

@TheCompoundingInvestor 2 ай бұрын

£100 a month is a great target to reach. Should get noticeably easier and faster after that. Thanks for sharing your journey and all the best.

@m0rce1 2 ай бұрын

Bats keeps going down... ppl getting healthy. Uk banning vapes... I'm gonna sell mine..

@gurdeepchumber2764 2 ай бұрын

Great video once again mate,motivates me keep it up & well-done👍🏽💯

@TheCompoundingInvestor 2 ай бұрын

Thanks so much Gurdeep.

@isaachunt5799 2 ай бұрын

we're mortgage free. have 100k in cash. 80k in funds. making about 2k month off the funds...we never touch the cash.

@TheCompoundingInvestor 2 ай бұрын

It’s great to be mortgage free. Awesome work. Thanks for sharing your journey.

@isaachunt5799 2 ай бұрын

@@TheCompoundingInvestor cheers. oh yes. everyone should concentrate on doing this. from that day onwards your life will change. july 2017 we made our last payment of 81k. we're both still working earning 120k year between us. kids have gone. what we do with some of our money now is help our 2 boys. also saving to buy a villa in spain. cant retire here in sweden. still snowing even now.

@TheCompoundingInvestor 2 ай бұрын

Thanks for sharing your journey. If we wan’t to know more about my own mortgage journey I’ll leave a link below just for interest.. Should You Pay Off Your Mortgage or Invest kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@isaachunt5799 2 ай бұрын

@@TheCompoundingInvestor i'll check it out. i say concentrate on paying your house off asap. all the time u owe them money they have u enslaved.

@TheCompoundingInvestor 2 ай бұрын

Absolutely agree. Investing in the stock market does not have a guaranteed outcome but overpaying the mortgage has a guaranteed result, and then once you are debt free you can concentrate on another financial project without any distraction

@jakesdaddy08 Ай бұрын

I’ve only just found your channel and I’m loving it. Really useable, easy to absorb info. I’ve finally taken the plunge to invest today, only a small amount of money for now but it’s a start!

@TheCompoundingInvestor Ай бұрын

Thanks for the feedback, I really appreciate it. Wishing you all the best on your investing journey

@Partyheinz12 2 ай бұрын

Your videos are fantastic and after months of research ive started my dividend journey this morning with £500, hope i can be somewhere near you in the future.

@TheCompoundingInvestor 2 ай бұрын

Wishing you all the best on your journey. It can get very addictive once the dividends start rolling in

@dezyd4671 2 ай бұрын

Investing motivation a day early. Thanks TCI! ❤

@TheCompoundingInvestor 2 ай бұрын

You are welcome. Glad you found it useful

@jacosadie8524 2 ай бұрын

Thanks. Been going for a year now and you are an inspiration. In a previous video you mentioned that paid something out of your shares and started over. How did you prepare your mind on pulling money out? Mrs and i am thinking of adding more in the mortgage when we need to renew.

@TheCompoundingInvestor 2 ай бұрын

Thanks so much. For this current portfolio which I started in 2009 I’ve never taken any money out. However my first venture into shares started as a teenager in U.K. stocks. I eventually sold that portfolio to put a deposit down on a house. I then focused entirely on paying that down until it was all gone and I then got back into shares again just after the financial crisis. Video below of the mortgage story of you have not seen it before.. Should You Pay Off Your Mortgage or Invest kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@leehurley7564 2 ай бұрын

Thanks from the video great to watch as always on we go

@TheCompoundingInvestor 2 ай бұрын

You are welcome. Thanks for watching and commenting

@Ashleyenglish24 2 ай бұрын

2 months trading and I made £2.62 last week in dividends. Exciting !

@TheCompoundingInvestor 2 ай бұрын

Nice work. Can get very addictive when the dividends start coming in. Hopefully will accelerate as time goes by. All the best on your journey.

@WoodyWanderer 2 ай бұрын

1 week investing and I’m £1 down 😂

@TheCompoundingInvestor 2 ай бұрын

@@WoodyWanderer At the start of the pandemic my portfolio dropped from 230k to 170k in what seemed like a few days

@mrwood4557 2 ай бұрын

@@TheCompoundingInvestorhow did you fight the urge, to not panic and sale your shares.

@TheCompoundingInvestor 2 ай бұрын

@mrwood4557. I actually look forward to times like those and always put cash on the sidelines when the market is booming so I can put more into the market when there is panic. Its the old saying be greedy when others are fearful and be fearful when others are greedy. Most of my recent gains have been made from adding reserve funds into BP and Shell during the pandemic and more recently Rolls Royce. The great investor Warren Buffett always has 20 Billion put aside to snap up bargains when they emerge. There will always be market crashes. In the 1970s the FTSE fell 70% during one year. However over the long term e.g. many decades the market tends to go up and beat inflation. Taking a long term view is key.

@TomsPersonalFinance 2 ай бұрын

Great video 👍 dont worry, i thought peanuts were nuts too haha

@TheCompoundingInvestor 2 ай бұрын

😂

@Earthshock09 2 ай бұрын

Although I am not dividend investing i love your video’s keep it up ❤ I rather go on growth and set and forget.. really passive gives me mental rest and investing emotions in check.

@TheCompoundingInvestor 2 ай бұрын

Thanks so much. Wishing you all the best on your investing journey

@ajjunior8811 2 ай бұрын

Very informative and great videos, well done. I am too old to consider investing now if its a long term strategy, but i will certainly point my children in your direction. Keep up the great work. One question - did u invest in property also outside stocks and shares

@TheCompoundingInvestor 2 ай бұрын

Thanks. Apart from my own house which I managed to pay off before starting this portfolio, no I've never invested in property. I don't have any knowledge in that area or the time to deal with agents, tenants, repairs, boilers breaking in the night etc. I still have a full time day job. With shares its basically buy and forget. I know many who have made great profits in property but its not for me at this stage.

@ianfisher7360 2 ай бұрын

Had a dip with miners but they are recovering. Added BlackRock world mining trust this month. Waiting for a little more from Rolls Royce before selling in ISA and moving to SIPP for an extra top up. IAG needs to go up more so I can sell and buy a dividend stock. Croda,Diageo,Bat,Tate and Lyle and Unilever all underwater, don't think I'll add. Lloyds looking better!. Roll on interest rate cuts and we might see a rise.

@quokkapirquish6825 2 ай бұрын

My bank stocks are flying this year, I bought them for their dividends so shouldn’t be concerned with their prices but I can’t help panicking when they have dipped. However, they’ve all surpassed my purchase price so I’m delighted with that. Did sell half my Barclays holding and bought more MNG

@TheCompoundingInvestor 2 ай бұрын

I’ve found banks to be quite volatile over the years and haven’t really done well for me if I’m honest but I admit this year has been a welcome turnaround.

@ThomasGoldstepFinance 2 ай бұрын

Finally got round to watching this! Some mind blowing numbers yet again! I've always wanted to ask - as you've maxed out the £50k premium bonds, I assume you just pocket the cash winnings as you aren't able to reinvest?

@TheCompoundingInvestor 2 ай бұрын

Hi there Thomas. I have two accounts with NS&I. One is premium bonds and the other is a Direct Saver account both using the same log in details so I can see both on the screen together. Any winnings are automatically added to my Direct Saver account. In the event of a market crash or a company having a particularly bad time then I’ve got reserve funds to jump in. Apparently Buffett always has 20 Billion kept aside for this purpose.

@Norfolkpaul 2 ай бұрын

Well done 😊

@TheCompoundingInvestor 2 ай бұрын

Thanks so much Paul. All the best

@sammni 2 ай бұрын

Love these videos… So well set out and explained! Could you do a video in roughly how much you were putting in each week particularly at the beginning. I don’t know if this is something you do Hopefully it’ll give me motivation (if you can do it I can moment) 😂 Btw I’ve started investing mostly based on one of your videos

@TheCompoundingInvestor 2 ай бұрын

I made sure I was debt free and paid off the mortgage before starting this portfolio which allowed me to concentrate fully on investing without any distractions or commitments. I’ve done a video on how I did this and I’ll leave a link below. Initial plan was to invest between 500 to 1000 per month but over the years as wages went up I could put more in. Average since 2009 is around 1.4K of new money going in each month. Should You Pay Off Your Mortgage or Invest kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@sammni 2 ай бұрын

@@TheCompoundingInvestor Brilliant mate... Thanks

@marathontre 2 ай бұрын

Great vid as always

@TheCompoundingInvestor 2 ай бұрын

Thanks so much

@stephenlogan1248 2 ай бұрын

Top video , once again.

@TheCompoundingInvestor 2 ай бұрын

Thanks Stephen, I really appreciate it.

@connormcleod9595 2 ай бұрын

Cost of living have stopped me investing anymore. Just reinvesting dividends. Using sipps and avcs to invest.

@JonYeo 2 ай бұрын

Simply exemplary 👏👌

@TheCompoundingInvestor 2 ай бұрын

Thanks so much

@kishenpatel7066 2 ай бұрын

I love your videos, can I request you show us a weighted dividend return. So how much you invested and what the dividend yield is on your investment opposed to the share price. This would be interesting to see over the long run.

@TheCompoundingInvestor 2 ай бұрын

Thanks, unfortunately after 15 years of multiple buys and sells I just don’t have that info for individual shares. Only the 5.9% figure which is the yield on cost of the 255k of originally money I have drip-fed in from the start

@papafinance Ай бұрын

love your content mate keep it up !!!

@TheCompoundingInvestor Ай бұрын

Thanks my friend. I really appreciate it

@alistairpenny5808 2 ай бұрын

Such a inspirational video

@TheCompoundingInvestor 2 ай бұрын

Thanks so much Alistair.

@petertang4499 2 ай бұрын

Thanks for the video, may I ask if the price of the stock keeps dropping then at what point would you prepare to sell that stock? Or what is the criteria for selling a stock?

@TheCompoundingInvestor 2 ай бұрын

I very rarely sell but sometimes if the price just continues on a downward trend year after year I’ll sell and move into something else. No specific price just a general feeling of losing faith in the company and better options being available

@williambritcliffe2211 2 ай бұрын

Brilliant!!!

@TheCompoundingInvestor 2 ай бұрын

Thanks

@alessiussperantus6907 2 ай бұрын

Thanks for your insightful content it helps keeping me motivated in my own investment journey. May I ask why you decided not to buy more Rolls Royce shares?

@TheCompoundingInvestor 2 ай бұрын

Thanks. They have had a really good run and are starting to dominate the portfolio now. I think the big rises may have already happened and I'm building up quite a lot of capital gains as I keep them outside the ISA.

@TheNathanNS 2 ай бұрын

Been investing since summer 2020, last year I made over £850 in dividends, as of April 2024, I'm already at half that. The snowballing effect is real.

@TheCompoundingInvestor 2 ай бұрын

Yes it does mount up over time and accelerates. Good luck on your journey

@saadiasfinances 2 ай бұрын

Great amount for March 😊

@TheCompoundingInvestor 2 ай бұрын

Thanks so much Saadia 🙏🏻

@michaelmayes9689 2 ай бұрын

Well done sir, an amazing amount of money as a passive income. News March is a 5 week month on my calculation if you had a minimum wage job your passive income for march is equivalent to 224 hours of work divided by 5 equals 44.8 hours a week. You will have to stop doing overtime, it is a considerable amount of money on top of your own salary. I did well this month also at over 1k in dividend.but you left me standing, it was the 10th month of my investment year, well pleased still my running average total is 1k a month as that is my target for this year is 12k.

@TheCompoundingInvestor 2 ай бұрын

£1000 a month is excellent work Michael. Well done indeed. All the best for the year ahead.

@stephensutton-smith4537 2 ай бұрын

Cracking month for you. May this year looks like it will be my best ever. I am looking to build a position (no more than 5%) into QYLP, what’s your view on this covered call?

@TheCompoundingInvestor 2 ай бұрын

Thanks. I’ve not invested in the Nasdaq at all so not sure. I’m happy just sticking with the bog standard S&P500 which I’ve put quite a bit into recently and will continue to do so over the coming months

@stephensutton-smith4537 2 ай бұрын

I asked as your a big dividend investor as am I and the 12% yield is well very tempting. I will slowly build a position and see how it goes. The monthly payment is also a big plus.

@matteden7535 2 ай бұрын

Released on saturday? Break from the norm interesting u are thinking of spring clean

@NicolaatTheFrugalCottage 2 ай бұрын

I haven't been able to add new funds for such a long time now. I am hoping to get back to it at some point.

@168Jon Ай бұрын

A question if I may. When the value of your portfolio exceeds the FSCS of £85K, do you then transfer any amount above this value to another platform in order to safeguard your investments should a bank/platform collapse? In other words is your £450K dividend portfolio invested with one platform or spread across several. Thank you. Also I've subscribed to your channel, keep up the good work. 👍

@TheCompoundingInvestor Ай бұрын

Thanks for the sub, I really appreciate it. If this was an ordinary bank account then yes I’d spread it across different accounts, however investing platforms are different. My platform is with Barclays Smart Investor and they have to segregate customer assets from their own. Even cash on the platform is automatically moved to a segregated account so that in the event of Barclays going bust they can’t touch your assets. I suspect all platforms in the U.K. have to operate in a similar way by law but I’ve only really got experience of Barclays so it’s definitely worth checking out to make sure. Of course if Barclays were to go bust due to an economic disaster then the stockmarket would tank and the value of my shares might not be worth very much. In the 1970s the U.K. stock market fell 70% in a year. Nothing can really protect you against a crash, there is always risk with investing but over the very long term it tends to do well.

@gummer4england 2 ай бұрын

I had £40k in my premium bonds for 9months and won 1 prize of £25 so pulled it all out this week and stuck it in a bank, wish i had your luck lol, great vid bro keep it up 🙌🙌

@TheCompoundingInvestor 2 ай бұрын

Thanks. 2022 was not so good £500 for the entire year. 2024 not great either so far. I don’t think I’ll see the likes of 2023 ever again.

@gummer4england 2 ай бұрын

@@TheCompoundingInvestor I hope your 24 smashes 23 out the water mate good luck on the big 1mill 🙌

@Lovemy911 2 ай бұрын

😊 nice video again as always Im thinning out all individual stocks this year & concentrating on my etfs As i cant take the excitement of highs & lows 😂 VHYL -GGRP - SP500 and done I sleep soundly 😅

@TheCompoundingInvestor 2 ай бұрын

I can understand that. ETFs are becoming more prevalent in my own portfolio. They were not mainstream when I started but I really like them these days

@Lovemy911 2 ай бұрын

😊 makes sense in my opinion 👍I foolishly ended up with a few large losses when new to this ' hence now I aim for a tighter ship 😂 All the best now

@m0rce1 2 ай бұрын

Hi, thanks for the video. Was just looking at my portfolio considering selling British American tobacco. Nice dividends but I'm down 25% from when I bought in a couple years ago. Although I'm a smoker myself, I don't really think the sector has a bright future and the long range graphs kind of show that. Should I sell BATS? Thanks.

@TheCompoundingInvestor 2 ай бұрын

Thanks, Obviously I can't give any investment advice but BATS has not done particularly well for me over the years.

@m0rce1 2 ай бұрын

@TheCompoundingInvestor . Sure, of course. Just shows that just because a company has high divs, it's not always the best investment. Was a rookie mistake I made.

@barrywhite5899 Ай бұрын

I’ve calculated just under a grand this month…. So far I’ve had BATS. £90. M and G £364, money supermarket today was £133 and I have Lloyds at £132 on 21st May and Aviva at £240 on 23rd May. A small amount of Croda too. That together with the ftse flying this week is putting me In good shape this month! I think I’ve got in just in time for Greencoat too with my big purchase this month.

@TheCompoundingInvestor Ай бұрын

Some big payments there. Great work Barry. FTSE doing well this year so far.

@ajsstuff193 2 ай бұрын

Hi, I have just started investing and only with £200-£300pm max at the moment. Can you do a video on how much dividend payments you got when you first started. Say like month 1 50p month two £2.43 month 3 £5.00. These are just random numbers but I would love to see how yours grew from the first investments you made. Thanks

@TheCompoundingInvestor 2 ай бұрын

The video below is probably what you are looking for.. I've Reached £50 Per Day Dividends | Passive Income kzfaq.info/get/bejne/nZidaNte263Vk3k.html

@Lookup2Wakeup 2 ай бұрын

Stock market has been going up recently.Pension pot which is largely linked to UK & international stocks, went up £45k since January.....😮

@TomCoughlin-ys6oc 2 ай бұрын

Hi, the maximum you can invest into a stocks and shares ISA is £20,000 per year, does the compound interest earned from the companies (when reinvested) count towards this £20,000?

@TheCompoundingInvestor 2 ай бұрын

Only new money going in from your current account counts towards the 20k. You could earn a million pounds in dividends a year and still be able to put 20k a year of new money from your current account

@dubsdolby9437 2 ай бұрын

The beauty of compounding its the 8th wonder of the world as Albert Einstein remarked.🙂 my best month is june now standing at 8.8k .😊

@TheCompoundingInvestor 2 ай бұрын

Nearly 9k in one month, incredible. Delayed gratification at its finest

@dubsdolby9437 2 ай бұрын

@@TheCompoundingInvestor 😃

@user-jh2le9xk6k 2 ай бұрын

Hi. Just wondered your thoughts on Barclays now offering interest on cash in the Isa? Thanks

@TheCompoundingInvestor 2 ай бұрын

I think its 1.65%? Not sure I'd ever have too much cash in there anyway. I tend to reinvest it pretty quickly within the ISA.

@BavarianMachinery3103 2 ай бұрын

Hi just wonder I have trading 212 isa how do the dividend work do they just get added to the isa when they are due? Thanks

@TheCompoundingInvestor 2 ай бұрын

If you have a stocks and shares ISA the dividends remain inside your ISA and you can reinvest in whatever shares you want but there is also an option to have them automatically reinvested into the same companies which paid them.

@benjones-bishop6362 2 ай бұрын

Early on in building a portfolio would you invest in individual companies or stick with ETF’s?

@TheCompoundingInvestor 2 ай бұрын

Great question. If I was starting again I’d use ETFs mainly. They were not mainstream when I started and my platform only allowed me to buy individual U.K. companies. They only changed this policy a couple of years ago. Having did this is still buy individual shares too when I saw bargains but mainly I’d be in ETFs. Most of my recent gains have been from buying large caps suffering a short term setback e.g. Shell, BP during the pandemic and also Rolls Royce more recently. When I can’t see bargains I’ll add to my ETFs. Hope this helps

@benjones-bishop6362 2 ай бұрын

@@TheCompoundingInvestor thanks, great to see what is capable with patience and consistency

@jodiemarks6122 2 ай бұрын

Your videos are very inspiring and motivational, also they have got my husband interested, thank you. How do you track your portfolio, do you use anything outside the Barclay's platform? I was looking to create a s/sheet to tack my portfolio but wasn't sure what are the best stats to track. Do you have any material on this? Thanks again

@TheCompoundingInvestor 2 ай бұрын

I use the yahoo finance app on my phone to keep track on a day to day basis. I also use Excel to record all the dividend payments / portfolio value and average dividends per month, also how much money is transferred from wages into the portfolio so I know the total return. Once you start monitoring, recording and tracking like this it gets very addictive

@jodiemarks6122 2 ай бұрын

@@TheCompoundingInvestor Thank you. Do you have any material on your s/sheet structure? I wouldn't expect for you to show your portfolio details but on setup and where to obtain the info, especially if it's automated using URL / formulas

@TheCompoundingInvestor 2 ай бұрын

I’ll leave a link to the complete portfolio below. Next video will be an update of it. I usually do one per quarters. As regards the spreadsheet it’s a very simple one I made up and all I do is record every payment made from current account into platform with the amount and date. I also record the total value of each company I update this monthly. Every dividend received is recorded with amount and date. I like to look at the total dividends paid over the last 12 months divided by 12 to find the average dividends per month. Also I like to calculate the total invested which I think is around 255k and the current value which is 455k That’s about it really, quite a simple spreadsheet. Last update below but it is 3 months old now. £415,000 Dividend Portfolio Full Year Update | Stocks and Shares ISA kzfaq.info/get/bejne/mp1oapOg0MexfJ8.html

@jodiemarks6122 2 ай бұрын

@@TheCompoundingInvestorThank you so much. I was over thinking the s/sheet data. I look forward to your next video. I found it interesting, in another comment on this video, that you mentioned that if you were to start over again that you would invest in ETFs. Can you expand on the why please? I'm trying to start as I mean to go on and the fact your strategy aligns to ours (long game, dividend payouts) I would be crazy not to listen to the experience and see how that aligns. Quotes: * Knowledge is power * 80% prep (books, podcasts, your videos etc) 20% execution * actions speak louder than words

@TheCompoundingInvestor 2 ай бұрын

@jodiemarks6122 When I started in 2009 ETFs were not mainstream and I had not even heard about them until several years later. These days I really value them but I also like individual stocks. Most of my gains in the last few years have been from buying large caps which have been having a short term downturn like BP and Shell during the pandemic and more recently Rolls Royce. I think as time goes by however ETF investing will become more dominant in my portfolio. Yea if I was starting again it would mainly be in ETFs with a few individual companies if I saw particular bargains emerge like the ones highlighted above.

@colinuk1984 2 ай бұрын

Started buying more premium bonds.

@TheCompoundingInvestor 2 ай бұрын

Good luck in future draws Colin.

@gregothy9190 2 ай бұрын

Ive just put my first £700 into a global etf at age 21, looking forward to many years of compounding

@TheCompoundingInvestor 2 ай бұрын

Plenty of time on your side. All the best on your journey

@justgeneric2876 2 ай бұрын

If you think about it, 400k with £15k average yearly income is a yield of less than 5% so might be worth moving out of US low yield into more UK

@xsamp86 2 ай бұрын

Do you have any reccomendations for the most tax efficient place to hold dividend stocks in the UK for people with lower sums?

@TheCompoundingInvestor 2 ай бұрын

A stocks and shares ISA with Trading 212 is probably worth considering.

@WhiteManInAVan 2 ай бұрын

Nice video. I'm 41 and only just started my dividend and pension journey. I don't have much money but even a little bit is better than nothing. Can you share your spreadsheet as a template?

@TheCompoundingInvestor 2 ай бұрын

My spreadsheet is very simplistic and I only record amount of money transferred from current account to platform with the dates, total value of each company held and the date and amount of each dividend payment. No more than that really.

@zenastronomy 2 ай бұрын

why did you choose to buy bluefield solar income fund and trig renewable energy? did you do research on it, or just on advice of someone else?

@TheCompoundingInvestor 2 ай бұрын

I had already owned Greencoat Wind Energy shortly after they floated in 2013 and did a fair bit of research on them. The share price remained fairly stable but the dividend was good so I was happy to hold and the company was expanding rapidly. Trig and Bluefield were in the same renewable sector and also expanding rapidly. Dividends were decent and the share prices were stable until 2022 when there has obviously been a significant downturn for them. Trig and bluefield have always been a relatively small part of my portfolio and I only invested very cautiously into them. The two of them combined make up only 1% of my share portfolio

@zenastronomy 2 ай бұрын

@@TheCompoundingInvestor is there anywhere i can get more information on them? I've been trying to invest in renewables. just don't trust any of the companies. as so many go bankrupt

@TheCompoundingInvestor 2 ай бұрын

Yeah, its a bit of a punt to be honest. I think wind energy is probably the better bet compared to solar especially in this country considering the general lack of light intensity for most of the year. You might find the following interview with the CEO of Greencoat Wind Energy useful. As I said I have a relatively small holding in this sector and invest with caution. kzfaq.info/get/bejne/bc-fh92T0KrGm4U.html

@macmoore4599 2 ай бұрын

Started last month. Aviva paying out next week. Wish me luck

@TheCompoundingInvestor 2 ай бұрын

Yeah I’ve owned Aviva for around 15 years. All the best

@versaceviper9798 2 ай бұрын

Where you do you buy premium bonds to enter the monthly draw?

@TheCompoundingInvestor 2 ай бұрын

Available to UK residents. You visit the National Savings and Investment website (NS&I) and open an account online

@versaceviper9798 2 ай бұрын

@@TheCompoundingInvestor thanks! Will definitely open an account to keep some money away from the tax man. Great content!

@TheCompoundingInvestor 2 ай бұрын

@versaceviper9798 Thank you for

@sydneylam19 2 ай бұрын

What do you think about the LSE compared to NYSE? Is the LSE really "dead" with fewer IPOs and capital outflow to the US market?

@TheCompoundingInvestor 2 ай бұрын

Yeah quite a lot of talk about companies wanting to jump ship to the US stock market. Shell is the latest mention they are exploring this possibility. Yes very concerning. The government definitely need to make the U.K. more attractive. Perhaps getting rid of stamp duty might help. The British ISA if it arrives is a step in the right direction but clearly more needs to be done.

@quintonlee4107 2 ай бұрын

I'm curious why you've taken the dividend investing approach compared to a passive tracker, for example all into the S&P 500 or MSCI World? The extra growth from those in the past decade would have a much bigger portfolio. You could then have a larger drawdown or invest in dividend stocks to substitute income - interested to hear your thoughts

@TheCompoundingInvestor 2 ай бұрын

Its a good question and not the first time its has been asked. We are all wiser in hindsight but if we go back to 2009 when I started, the previous 10 years had been grim. The S&P was down around 33% in that 10 year period and got hit by the dot com collapse and then credit crunch with huge banks like Lemann Brothers going bust. There was real market fear then especially in the US. Also I couldn't invest in any individual overseas stocks on my Barclays platform even if I wanted to. This only changed a mere 2 years ago. There wasn't a wide choice of brokers back then and certainly no commission-free apps. It was £12 a trade back then or £35 on the phone. ETFs were not mainstream back in 2009 and honestly I had not even heard of them until several years into investing. I therefore grew accustomed to buying individual UK companies and just stuck with what I knew. These days however I understand the importance of ETFs and know what they are. Over the last 2 years I've put more than 30k into the S&P500. I hope this helps answer your question as honestly as I can.

@quintonlee4107 2 ай бұрын

@@TheCompoundingInvestor Thank you for the honest reply! If you could start again today with your current knowledge, would you go down the passive ETF route or dividend stock picks? They both have their own merits, and I mix with both personally. But if I had to choose one, I'd prefer a simple S&P 500 ETF now - what would it be for you?

@TheCompoundingInvestor 2 ай бұрын

If I was starting again today, yes the S&P500 would probably make up my main holding but I don't think I could resist specific bargains in large caps when they come along. Most of my gains over the last couple of years have come from buying more shares in large caps when they suffered a short term crash e.g. Shell, BP and Rolls Royce during the pandemic. I put a total of 11k into RR over the last couple of years and that 11k is now worth nearly 50k. I don't always get it right however. It is more exciting for sure but does carry more risk.

@quintonlee4107 2 ай бұрын

@@TheCompoundingInvestor Absolutely! This core satellite approach where you will get the returns from the market then another section of the portfolio for individual picks. Same for me with RR, I'm extremely pleased with shareholder distributions being put back on the table soon too.

@randomiseolly8657 2 ай бұрын

Could you create a pie on trading 212 and share it with us ?

@aarondawkins8668 2 ай бұрын

Great video. Do you have a limit to how much you would lose on a company, of the capital that you have invested, before you sell? What makes you decide to add to a position or not add. Do you have any guides/rules that you follow?

@TheCompoundingInvestor 2 ай бұрын

No set rules, I very rarely sell unless a company is showing a long term down trend over several years and basically going nowhere. As I invest mainly in large cap global giants they have a lower chance of failing. I also have around 30 individual companies so even in the unlikely event a couple of them went bust then it probably wouldn’t have a tremendous effect overall. I’m also investing a lot more in ETFs these days. If I see a large cap which I own having a temporary setback e.g. Shell, BP, Rolls Royce during the pandemic then I’ll add a bit more in. If I can’t see bargains I’ll just add to an ETF

@aarondawkins8668 2 ай бұрын

@@TheCompoundingInvestor ok thanks, I completely understand your thinking there. Are any of your positions sitting at a loss at all? Just out of interest. Also do you often add a new company or just add to your current positions?

@Justaleedsthing 2 ай бұрын

Wow 😮

@chrisa6279 2 ай бұрын

I don't wait for dividends when the market is bearish, you never get the dividend because ex dividend date the price drops on the share. Look at MNG they had a dividend last month of approx 5%, then ex div and 3 days after the share price is down approx 13%. I work on the swing index and the profits equal to the investment of £220000 is a regular £1800 per month. £560 to take out and spend and the remaining to reinvest since the cut in Cap Gain Allowance last year. Lloyds is currently 53.4p but ex div you will be able to buy it again at 46p. ( some time in May )

@pagrant Ай бұрын

It is never to late to start

@simonsinvestingjourney 2 ай бұрын

Can’t even imagine these numbers! Incredible. I started investing a year ago, on my way to a goal of £100k 📈

@TheCompoundingInvestor 2 ай бұрын

It can get quite addictive when the dividends start rolling in. All the best on your journey

@simonsinvestingjourney 2 ай бұрын

@@TheCompoundingInvestor Thank you, Ive been investing for a year now, ive just started to document it. Ive been inspired by people like yourself! Ive just passed the 3k milestone, so small compared to your journey, but I have been following yours for a very long time!

@Miguel131291 2 ай бұрын

What’s your criteria to choose the stocks? I have checked a few videos and most of them would have: 1 - growing revenue 2 - growing free cash left 3 - more assets than liabilities (however I personally would check the quick and current ratio) 4 - payout ratio 60% or less On your opinion, do you think these would matter, given your experience or would you focus on some other criteria to choose?

@TheCompoundingInvestor 2 ай бұрын

Firstly I like those companies with economic moats which are virtual monopolies and ones which we all rely on, Big Pharma, Oil, Electricity, Water, Mining, consumer staples, big banks etc. also tend to buy the largest in the sectors which are established and can survive big economic downturns. I like companies which earn a lot of revenue from around the world . Most of the FTSE 100 companies generate most of their revenue from abroad. Dividends of between 3 to 5% are appealing but not as important as it used to be because of recent tax changes. I now have to buy shares which pay lower dividends to keep outside the ISA when I fill it. Rolls Royce, Croda, LSEG and RELX fit this bill and also the S&P500 ETF (IUSA).I like companies which have a good record of growing the dividend and also a share price which shows a long term upward trend. Hope this helps

@tancreddehauteville764 2 ай бұрын

Teacher's pension and also nearly half a million invested. Blimey! Early retirement definitely on the cards.

@philjeffrey1691 2 ай бұрын

Hi am I being thick, the holdings listed in the description are nowhere near £450k ???

@TheCompoundingInvestor 2 ай бұрын

The companies shown in the video are only those which paid dividends in March. Different companies pay out in different months. I have around 30 companies in total. My next video will be a full portfolio review

@donsuccone Ай бұрын

What would you estimate you have personally invested? I want to get an idea of how I would fund a portfolio similar to yours

@TheCompoundingInvestor Ай бұрын

255k drip fed in over 15 years

@willb3019 2 ай бұрын

I will be on £1 a day by the end of the month!

@TheCompoundingInvestor 2 ай бұрын

I remember that day well. A significant milestone for me. All the best on your journey my friend.

@-IsleOfSkye- 2 ай бұрын

Well done man. How much u have in shares if I can ask?

@TheCompoundingInvestor 2 ай бұрын

@failsandtruth3101 I drip-fed in around 255k, now worth 455k. I also. Have and additional 50k in premium bonds kept out of the market on purpose

@Jakkaribik1 2 ай бұрын

@@TheCompoundingInvestor Giving the Stock Slowly your Money does Wonders Over Time People Expect a Big Sum they must do it slowly ..

@ronnietaylor9377 2 ай бұрын

Do you always invest the divi back into the share that you receive it from .

@TheCompoundingInvestor 2 ай бұрын

I hardy ever do that. I simply leave the cash on the platform until I've got around £1000 in dividends and then reinvest it into a company of my choice. This also helps me to rebalance the portfolio as I go along.

@ronnietaylor9377 2 ай бұрын

Curious whether people just reinvest in companies they receive divi from .Or like what you do .

@TheCompoundingInvestor 2 ай бұрын

@ronnietaylor9377 more cost effective to have them automatically reinvested but I much prefer to choose where the dividends go. You have the option so it’s a matter of personal choice. It’s a good question and I might ask this question to everyone on the community post as to what they do.

@lukedavidson2196 2 ай бұрын

How do you get dividends monthly and not quarterly? Sorry I'm pretty new with this

@TheCompoundingInvestor 2 ай бұрын

Different companies pay dividends in different months. I have around 30 different companies and therefore get dividends from different ones each month.

@lukedavidson2196 2 ай бұрын

@TheCompoundingInvestor Ah okay, thank you!

@Jakkaribik1 2 ай бұрын

@@lukedavidson2196 You can have 200 Companies but Rather not because opening all the Things takes time keep it Close to 20 Maby then every now and then you open stuff

@darrengunn5921 2 ай бұрын

Used the Invest Engine link 👍

@TheCompoundingInvestor 2 ай бұрын

Thanks so much my friend. Wishing you all the best on your investing journey

@dieuetmondroithonisoitquim338 Ай бұрын

I'm confused. Do you actually received dividend in cash like this or is it just for show? Why not through your isa account directly?

@TheCompoundingInvestor Ай бұрын

Hi there. I receive cash but it remains inside my ISA platform ready for me to reinvest in a company of my choice. I choose to show dividends in actual notes because I believe it’s more motivating than just showing rather boring numbers on a spreadsheet.

@dieuetmondroithonisoitquim338 29 күн бұрын

@@TheCompoundingInvestor agree 😅

@northdevon999 2 ай бұрын

Would be interesting to see a breakdown of what deposits it has taken to reach 450k and what part of that is reinvested dividends / investment gains

@TheCompoundingInvestor 2 ай бұрын

Recent portfolio update is below. Skip to the final couple of minutes to see the overall stats. If you have any questions then get back to me and I’ll try and help / find the data if I have it. Revealing My Entire £450K Investment Portfolio: Quarterly Update kzfaq.info/get/bejne/pa6CgZh4qduXomg.html

@northdevon999 2 ай бұрын

That’s very impressive that you’ve managed to make such large deposits, approx 17k a year if I’m not mistaken?

@TheCompoundingInvestor 2 ай бұрын

Yes that sounds about right. Made sure mortgage was paid off before starting this portfolio which meant I had more funds available each month to focus on investing. I did a video on my early journey below if you are interested. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@mrwood4557 2 ай бұрын

What’s your personal opinion on, pets at home it seems to have an economical moat.

@TheCompoundingInvestor 2 ай бұрын

I see it has lost 26% of its value over the last year. If this trend continues then that would be a bit concerning in my opinion

@mrwood4557 2 ай бұрын

@@TheCompoundingInvestor “The Competition and Markets Authority (CMA) today announced that it is gearing up to initiate a formal investigation” isn’t looking good for pets at home. Think I’ll stick with hi ishares FTSE 100 etf.

@macsidia 2 ай бұрын

Ernie threw me a blank in March so was only left with a paltry £40 interest.

@MikeMike-ms1ns 2 ай бұрын

Where do you keep the £450k? I guess you are exposed to risk above £85k fcfs protection? Currently I have t212 and iweb kept around the £85k each and a bit less in freetrade

@TheCompoundingInvestor 2 ай бұрын

In a bank account yes, only 85k is protected. On my trading platform however, customers assets including cash is separated from the providers’ assets so they can’t touch it even if they were to go bust. I use Barclays Smart Investor. You will probably find that most / all platforms are required to do this.

@mattquantrill101 2 ай бұрын

You need Jay's cash cow hat! ❤

@TheCompoundingInvestor 2 ай бұрын

Love his channel! He should sell those cash cow hats for sure! 😂

@mattquantrill101 2 ай бұрын

@@TheCompoundingInvestor agreed!! 🤣🤣

@kruidenrekje8081 Ай бұрын

Just started back in september when i was 16, in june i am expecting €140!

@TheCompoundingInvestor Ай бұрын

Excellent work. Impressive

@kruidenrekje8081 Ай бұрын

Thank you! You too friend, keep it up!

@jdthompson123 2 ай бұрын

I got another big fat zero from the premium bonds this month after last months £350 win. Roll on Mays draw 😭

@TheCompoundingInvestor 2 ай бұрын

Good luck in the May draw!

@dazhibernian 2 ай бұрын

Man actually went out & bought some nuts for the pun 😂

@TheCompoundingInvestor 2 ай бұрын

Only time will tell if it’s been a good investment 😄

@redminote7334 2 ай бұрын

Don't forget the cocoNUTS 😂

@dazhibernian 2 ай бұрын

@@redminote7334 rumours are he bought them via a shell company 😏

@EnormousClock 2 ай бұрын

I’m wondering if you or anyone else have come across stock NESF? Similar to Greencoat UK but for solar. At the end of Feb they reported NAV per ordinary share of 107.7p (30 September 2023: 108.3p). But SP is down in the 70’s. Dividend is up at like 11% because of the huge discount. If it recovers it’s good value, dividend is covered and being raised. But seems a bit risky with the 1year chart looking so terrible. I have a position, hoping the dividends can help to stock up for a recovery in the future!

@richardc316 2 ай бұрын

I was surprised to see your Mar 24 total lower than your Mar 23. What caused that?

@TheCompoundingInvestor 2 ай бұрын

The exact dividend payment dates can change from year to year for some companies. I think Barclays may have paid in March last year. This year it is April. Also my premium bond prizes were larger last March compared to this March.

@sammni 2 ай бұрын

Hello me again 🙋‍♂️ 😂 Okay I went into BP as my first independent trade. (I copy trade usually) What’s your opinion which is totally not financial advice and if it goes tits up is totally not your fault and is just your personal opinion 😂

@TheCompoundingInvestor 2 ай бұрын

Oil is cyclical so it does jump around a bit with world events and economic data. There will be periods of oil shortages and oil surplus. Usually pretty decent dividends however if you can ride out the volatility.

@charlesbrown4941 2 ай бұрын

SATURDAY!!!

@TheCompoundingInvestor 2 ай бұрын

Probably a one off.

@azizkazimovlikes 2 ай бұрын

Man I read your your thumbnail as ( My Divorce Went Nuts!) My bad.😅

@TheCompoundingInvestor 2 ай бұрын

lol!

@mrwood4557 2 ай бұрын

Know it’s Not financial advice, but in your personal opinions and experience. If you could have only one or two ETF, what ones would you choose?

@TheCompoundingInvestor 2 ай бұрын

S&P500 (IUSA) as first choice and All World (VWRL)as second choice if I could only have those 2 and no other investments and if I was investing for many decades

@bradleytough Ай бұрын

I wouldn't mind being able to max out my ISA each year for 15 years. Normal job in education sector my backside. Average salary wouldn't be able to max that out.

@TheCompoundingInvestor Ай бұрын

ISA limit was only £7,200 in 2009. Was not always as high as it is today. I also paid off my mortgage and became totally debt free before starting this portfolio so I could focus entirely on investing without any financial distraction. The video below explains my early years if you are interested.. Should You Pay Off Your Mortgage or Invest kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@sewnsew6770 2 ай бұрын

How much is your portfolio dropping I see many of your stocks having 10 percent declines in one year lol

@TheCompoundingInvestor 2 ай бұрын

So this year so far the share portfolio has increased in value by 40k with 8k of new money added so therefore a net gain of 32k in 3 months. Full portfolio update video coming soon

@browny2009raver 2 ай бұрын

Averaging £1200 monthly from £450k? Wouldnt you be better off sticking it all in the SandP 500? Or even a high interest account at 4% +?

@TheCompoundingInvestor 2 ай бұрын

There is capital growth as well as dividends. Share prices tend to rise over time. At the start of 2024 the portfolio stood at 415k, 3 months later it is 455k. Only about 8k of new money has gone in

@browny2009raver 2 ай бұрын

@@TheCompoundingInvestor ah right i understand im new to investing. £32k in 3 months in quite remarkable. Well done 👍

@TheCompoundingInvestor 2 ай бұрын

@browny2009raver Thanks my friend, good luck on your journey and if you have any questions I’ll try to help but obviously can’t give any specific financial advice