What 15 Years Of Dividend Investing Paid Me This Month

Рет қаралды 15,579

3 күн бұрын

Monthly passive income from share dividends and Premium Bond Prizes.
Current holdings of the companies shown in this video..
VWRL 8.1k, RELX 5.7k, IUSA 36k, IMB 9.4k, VHYL 9.9k, BAE 16k, Tesco 10.2k, Unilever 37k, BP 26.2k, Shell 35.4k, HSBC 11.9k. Premium Bonds 50k.
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Disclaimer
This video should not be construed as investment advice. Investments can fall and rise. Capital at risk.

Пікірлер: 192

@TheCompoundingInvestor Күн бұрын

How is your investing journey progressing?

@mohima8247 Күн бұрын

I’m very new to this, 22 and I started a few months ago. I hope to achieve your levels of success but I was wondering at what rate did you invest in order to achieve those dividends? Do you have a rough figure in mind? It of course increased through the years as you reinvested those dividends but I am trying to understand how much gets me there. Currently I’m set up to do £600/month but I feel I could possibly contribute more. Would love to hear your opinion on this - thank you!

@TheCompoundingInvestor Күн бұрын

Thanks for watching and your comment. When I started my plan was to invest between £500 to £1000 each month. I had paid off the mortgage before starting so this meant I could concentrate fully on investing without other financial distractions. Over the years wages do tend to rise significantly so over the full 15 years my average of new money going in from wages is 1.4k per month.

@mohima8247 Күн бұрын

Thanks for the clarification, really enjoy watching your videos they are quite motivating for a young investor! Yes, it’s as you said over the years throughout my career I hopefully intend to progress to higher paying roles which can allow me to contribute more. Thanks once again and enjoy the rest of your weekend!

@beancount811 Күн бұрын

@@mohima8247 Yep, you're quite young, so starting with that monthly amount and assuming you bump it up for average inflation of 2-3%, it'd take 15-20 years to compound to the size of CI's current pot. It seems like a long wait, but in practice the years just fly by. :) It will take less time if the markets are favourable and longer if they are bad or so so over the years. Also worth bearing in mind that the relationship between the savings rate and compounding return is not linear. That is - doubling your savings rate on its own does not halve the time it'll take you to reach your goal. However, by the same token, the more money you can stash away earlier in your life the more significant the impact down the line. In terms of % of income, this does vary significantly with income, expenses and desired outcome, and there's a number of budgeting and cashflow modelling tools for retirement available. But if you start with 20% of your after tax income, if you can, and head towards 50% savings rate without hurting your lifestyle and opportunities, you won't be disappointed. Don't forget that if you're employed and enrolled into your work's pension scheme, then that helps too! :)

@marius3082 Күн бұрын

VUSA is better then VWRL , cheaper , better growth, dividends almost the same

@jakesdaddy08 Күн бұрын

Got my first dividend this week after starting watching this channel! A paltry 23 pence but it’s all going back into the pot! Thanks for the inspiration !

@TheCompoundingInvestor Күн бұрын

That's a great start. It can get really addictive when you see the dividends eventually start to mount up and snowball. All the best on your journey.

@jakesdaddy08 Күн бұрын

@@TheCompoundingInvestor thank you! I love your channel!

@ronnietaylor9377 Күн бұрын

We all have to start somewhere,they all add up .Good luck on your journey

@pickashole Күн бұрын

My first dividend was 54p from Unilever back in August last year. The first step on the long journey. Soon enough, the pennies become pounds and then the pounds become notes... Enjoy the journey

@rufdymond Күн бұрын

The main thing is that you started - my first dividend was 29p, it’s now a few hundred per month. Keep going, it’s surprising how quickly it gets moving.

@NickyHavey Күн бұрын

Just started with trading212 and dividend investing this month after watching your videos! looking forward to seeing how this goes and receiving that first cup of tea, paid for by the companies I've been paying all this time!

@TheCompoundingInvestor Күн бұрын

Excellent work Nicky. All the best on your investing journey

@ibrahimoladipupo5794 Күн бұрын

I lost interest in shares after I got burnt 2009. Your videos, coupled with a friend, convinced me to start afresh. I got 25pence this month. Thank you.

@TheCompoundingInvestor Күн бұрын

Yeah that was a tough time and I remember it well, especially when I invested in the UK banks just before they got effectively part nationalised. Scary times. All the best on your new investing journey.

@shaypatino2268 Күн бұрын

Thanks. Such an inspiration. I got a total of 6.41 of dividend payouts after 2 months of investing. Not bad I guess for a beginner. Invested on US, UK and some EU stocks that has growth and pays good dividends. I also have bonds that pays decent dividends. I am a great fan of yours! 👏

@TheCompoundingInvestor Күн бұрын

Nice work. That should mount up nicely. Good diversity there too. All the best on your journey.

@shaypatino2268 Күн бұрын

@@TheCompoundingInvestorthanks Mister. Keep on inspiring. I’m still experimenting some ETFs. Try looking into wisdom trees ETFs, they have growth and yield is higher than Vanguards. Just a bit pricey.

@josephlck Күн бұрын

You can actually do something very similar to VWRL by buying a vanguard developed world (VHVG) and emerging markets (VFEG)😅 etfs at a ratio of 9:1. The big advantage of this is the developed world etf has significantly lower fees (0.12) and the emerging markets etf has the same 0.22 fees - this works out to a combined fees of about 0.13. It's not massive. About a £150 saving over 10 years for a 10k portfolio but it's better than a poke in the eye with a sharp stick!

@TheCompoundingInvestor Күн бұрын

Thanks for sharing. Actually a family member does this in their portfolio too and says it's more economical.

@SovereignSaurus Күн бұрын

You're going to need to get a bigger box soon to fit these monthly payments in! Fantastic. Looking forward to the next video.

@TheCompoundingInvestor Күн бұрын

Thanks, March, June, September and December are always big ones.

@LawnRight Күн бұрын

Started on trading 212 and got my first £0.01 dividend from nvidia

@TheCompoundingInvestor Күн бұрын

Well done on starting your journey. Onwards and Upwards!

@colinuk1984 Күн бұрын

My dividends have paid me over £50 this month 😮

@TheCompoundingInvestor Күн бұрын

That's great Colin. Growing nicely

@pipkins1972 Күн бұрын

You have got me on the dividend path!!! I started in April, not on the same scale as you but I’ll see what I can do before retirement!!

@TheCompoundingInvestor Күн бұрын

All the best on your investing journey.

@morriselee 19 сағат бұрын

Nice report! I live in the USA and started dividend investing in March 2018. First June received $240.48. This past month I received $3469.48. Still keep investing new money every month! It is euphoric to watch dividend money rolling in every week.

@TheCompoundingInvestor 19 сағат бұрын

Excellent work. Yes I agree very motivating seeing the dividends rise and accelerate

@pickashole Күн бұрын

It's been 1 year since I took the plunge and began investing a set amount of money each month. I've grown the amount I invest by triple by making better choices with my spare cash. A large part of this is down to you my friend.. Onwards and upwards.

@TheCompoundingInvestor Күн бұрын

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

@danielbenn7754 Күн бұрын

Got my first £60 dividend for the month and will keep going

@TheCompoundingInvestor Күн бұрын

All the best on your investing journey

@charlesbrown4941 Күн бұрын

BA, BBOX, TRIG, VHYL, VFEM and scraps from the US tech companies (although they have gone up massively this year) a good month….even the premium bonds came in with a ton.

@TheCompoundingInvestor Күн бұрын

Excellent work

@madalenalopes6459 Күн бұрын

Hello thare. Good portfolio. I've got Tesco and British Telecom. Regards from Portugal.

@TheCompoundingInvestor Күн бұрын

Thanks so much. All the best on your journey

@NFTinvestments74 Күн бұрын

My favourite channel on KZfaq. You sir are an inspiration. 👏👏👏👏👏👏

@TheCompoundingInvestor Күн бұрын

Thanks so much my friend. Glad you are enjoying the videos.

@shaneomack5018 Күн бұрын

Its was a great June for us.. 6 etfs paid us 780 dollars

@TheCompoundingInvestor Күн бұрын

Very nice. Good work

@malcolmbirkett1347 Күн бұрын

Well done on your portfolio. I also love to see those dividends drop into the isa. Im definitely considering selling one of my companies and putting it into GSK.

@TheCompoundingInvestor Күн бұрын

Thanks Malcolm and all the best

@beluga.7761 Күн бұрын

i just started 4 months ago at the age of 19, i currently have 6K invested almost 90% of my wages as im living at home (just about to finish my apprenticeship) and roughly 2% down due to NG and LGEN dropping recently, i managed to average down alot 😁

@TheCompoundingInvestor Күн бұрын

Plenty of time on your side. I did a similar thing as a teenager and invested for around 10 years in mainly UK companies before selling everything to put down a deposit on a house. I then threw everything at the mortgage each month until it was gone. Then in 2009 I started investing again as I was debt free.

@beluga.7761 Күн бұрын

@@TheCompoundingInvestor that sounds very similar to my plan :) did you ever consider keeping your investments and paying the mortgage with the dividends? im not sure what the best method would be

@TheCompoundingInvestor Күн бұрын

@beluga.7761 At the time you could only borrow around 3 times your salary to buy a house so I needed every penny I could find to get a mortgage in the first place. Only the Nationwide would give me a mortgage as I wasn’t earning much. All the shares had to be sold. I had no other option

@beluga.7761 Күн бұрын

@@TheCompoundingInvestor ok fair enough 👌 i think what you did may have been the best idea anyway just for piece of mind knowing your house is paid for

@jonbacon6664 Күн бұрын

Great video as usual. I find it addictive to see the compounding snowball grow. Hopefully the rest of the year will be good

@TheCompoundingInvestor Күн бұрын

Thanks so much. The UK market has done fairly well this year. Onwards and upwards! All the best.

@TomsPersonalFinance Күн бұрын

Thanks for sharing. I've not come across any of the new notes yet!

@marton349 23 сағат бұрын

I have 2k in AT&T and get about 70quid every quarter.

@Justaleedsthing Күн бұрын

That must feel so good knowing you’re getting paid almost 3k from just investing

@TheCompoundingInvestor Күн бұрын

It does give peace of mind that bills can be covered if I lost my job etc. Does take time to build it up to these levels however.

@Justaleedsthing Күн бұрын

@@TheCompoundingInvestor I mean imagine how good it would be to get nearly 3k nearly every month 😅

@TheCompoundingInvestor Күн бұрын

Would need a portfolio of around 1 million quid to achieve 3k every month on average.

@dibro372 Күн бұрын

⁠@@TheCompoundingInvestorDo you have a number where you will say it is enough per month?

@swiss8653 Күн бұрын

I’ve been fortunate to have found your channel only recently so have enjoyed catching up on all your previous content! I’ve put your knowledge to good use tinkering with my own portfolio so thank you and keep up the great work!

@TheCompoundingInvestor Күн бұрын

Thanks so much. Glad you are finding the content useful. All the best on your investing journey

@samr8603 Күн бұрын

Great to see how far you have progressed and it is excellent news. I was wondering and you don't have to answer but is there a amount you want to get to then retire (from work and investing)? My ISA dividend account is to cover the bills, subscriptions etc., my pension to cover our life experiences (holidays etc), wife's pension to pay for charity payments etc. and her ISA account will be to buy cars etc.

@TheCompoundingInvestor Күн бұрын

Thanks for watching and commenting. There is no real figure in mind as I currently enjoy the day job which is not just about money as it gives me a sense of purpose and achievement. If that changes however then passive income does give you the option of going part time or giving up some work responsibilities. It's good to have options.

@ThomasGoldstepFinance Күн бұрын

Damn. I thought I had a good June! 😅😅 Amazing inspiration for my channel!

@TheCompoundingInvestor Күн бұрын

Thanks Thomas. March, June, Sep and Dec are generally pretty good months as I have lots of the quarterly payers and those months are when lots of them pay out

@macmoore4599 Күн бұрын

June paid me £6.74 in dividends. I don't think thats bad in two months of doing this

@TheCompoundingInvestor Күн бұрын

Great start. It’s really motivating seeing it rise and accelerate as time goes by. Good luck on your journey

@gratitudeinvesting Күн бұрын

Another excellent instalment👌🏾👊🏾

@mrwood4557 18 сағат бұрын

With the FTSE All-World UCITS ETF, VWRL. Do you know, if you have to declare and fill out a USA tax form?

@TheCompoundingInvestor 17 сағат бұрын

Have a check where the ETF provider is domiciled. Mine is in Ireland (iShares) and they have a special tax agreement so as far as I’m aware there is no form to fill in. Worth checking for sure

@davidjones4130 Күн бұрын

Consider ftwg over vwrl , costs less does the same ❤

@russellpetrie119 21 сағат бұрын

just sold smds bought more ng and gsk and land down atm

@raz5614 Күн бұрын

I look forward to these every month!

@TheCompoundingInvestor Күн бұрын

Glad you enjoy them. Thanks for the feedback

@marcisvijups5544 20 сағат бұрын

Interested in what made you sell Persimon? And what made you buy it back now? Love watching the videos and borrowing some ideas for my own portfolio.

@TheCompoundingInvestor 13 сағат бұрын

Thanks, its a long story with Persimmon. Originally bought them in around 2010 or so after the financial crisis when property was on the recovery again. I bought them as they were the biggest housebuilder in the UK. The price was around £6 and I sold at £8 feeling quite pleased but then to my horror they carried on going to over £30! I said the next time they crash I'll buy again but this time hold for the long term. They went below £10 last year but I didn't get round to buying. I've just put £500 in at the moment just to force me to track them. You could say I've got unfinished business with Persimmon lol.

@marcisvijups5544 9 сағат бұрын

@@TheCompoundingInvestor thanks for getting back to me! I love watching your videos every month and tend love to rewatch your last years video of the same month before the new one come out. For me as I use trading212 I either put a stock into a watchlist or buy exactly 1 share of them. Then after a while i would buy 9 more or 99 more shares as I have a love for round share numbers :D i guess its just how human mind works since it makes calculating dividends easier. Over time i had to break that habbit though since the amounts after 100 get usually quite expensive for me so i just do 200 or 300 and so on. But persimmon is just at 1 share for me at the moment. Im still thinking it over as it is one of the more volatile ones. Another stock id like to know your opinion on is burberry. In the video you showed that it had one of the highest dividends in ftse. Are you also tracking it? Waiting for it to bottom out or you generally avoid stocks that are more volatile?

@HighMiler330d Күн бұрын

I had my first note with the king on it yesterday. Seems strange having only ever known the queen on everything.

@TheCompoundingInvestor Күн бұрын

Yes its a big change for sure. Thanks for watching and commenting

@Norfolkpaul Күн бұрын

Well done 😊

@TheCompoundingInvestor Күн бұрын

Thanks Paul

@Norfolkpaul Күн бұрын

@@TheCompoundingInvestor me had my best month ever 😊

@TheCompoundingInvestor Күн бұрын

When you start to break your own records it gets even more motivating.

@Lockton900 Күн бұрын

Well done. It must be very rewarding seeing years of saving and investing paying off with some hefty dividends! Have you got any thoughts on REIT's? I've recently invested in a couple as they pay a decent dividend and I'm hoping we have hit peak interest rate and as interest rates fall the share prices will hopefully go up.

@TheCompoundingInvestor Күн бұрын

Thanks. REITS are not a sector I know a lot about i'm afraid. There was a time way back when I considered SEGRO and Big Yellow Group but never pulled the trigger.

@bluesapphire2219 Күн бұрын

You've done an amazing job 👏

@TheCompoundingInvestor Күн бұрын

Thanks so much. It's taken a fair few years but it's a case of just sticking to it regardless of what the market is doing and of course living frugally.

@michaelmayes9689 Күн бұрын

It is a mind blowing amount of passive income average of £1,340 per month which you have achieved in 15 years of hard savings. I wonder what would have been the effect on your portfolio if it was not in an ISA wrapper after 15 years ?. It would also be interesting but a big job if you had invested your money into a cash isa what the comparison would work out to be compared to your stocks and shares ISA. This month did well over 1k, but as stated before i now am on an average of £1,000 a month per year, and for me it is mind blowing sum of money for doing nothing, but pressing a few button on a computer. When compared to 40 years of work, passive income is a better route to choose, i wish i could have started earlier and have been more focused instead of chasing growth which came but can crash on one press release.

@TheCompoundingInvestor Күн бұрын

Thanks Michael. Yeah thank goodness for ISAs. Not sure I’d be as motivated to do this without an ISA. I agree with your comment on growth stocks, they are wonderful in hindsight and there is a lot of survivorship bias at play. We never hear about the 60% which go bust within 10 years of starting. I’m happy to invest in the boring old giants which plod along churning out cash.

@will-b-m9874 9 сағат бұрын

What are your thoughts on National Grid? It still hasn’t recovered and I am reading this as a good time to build my holding. Would be interested to hear if you think otherwise?

@TheCompoundingInvestor 9 сағат бұрын

I've put a fair bit into NG recently when the price fell and I also took up the rights issue in full. Its done quite well for me over the years.

@stephenpalmer528 Күн бұрын

Smashing it!

@mrmickeys 10 сағат бұрын

Great videos i love watching them. Can you do a video on how much tax you pay on them

@TheCompoundingInvestor 10 сағат бұрын

Thanks. It won’t be a very long video as I don’t pay any tax at all. In the U.K. we have something called a stocks and shares ISA. All investments within it are protected from dividend and capital gains tax

@ThorParker Күн бұрын

Missing the old notes

@The_Summit_Wanderer Күн бұрын

ISF is a distributing dividend is there an equivalent accumulating ETF

@TheCompoundingInvestor Күн бұрын

I like to choose where the dividends go but yes many people prefer an accumulating one. I've done a quick search for you. There is a Vanguard ETF called VUKG which looks like it is an accumulating FTSE 100 ETF. Might be worth having a look.

@simonrowe3124 Күн бұрын

I’m sure you’ve said it so many times before, though 15 years ago, what was the £££ size of your 1st year original investment?

@TheCompoundingInvestor Күн бұрын

In 2009 I started with a lump sum of £5000 to get the ball rolling. The idea was to then put between £500 - £1000 in each month from wages. I did go a bit overboard in the first year however and the total was probably close to 20k for the full 12 months. I used every bit of savings I could find. I had also paid the mortgage off before starting this portfolio and was totally debt free so it did give me more money to invest with. The average of new money from wages going in each month across the entire 15 years works out around 1.4k a month.

@jamesodd3896 Күн бұрын

Savings accounts I’ve seen offer 5% at the moment which is higher than the average ftse dividend.

@TheCompoundingInvestor Күн бұрын

Firstly that 5% will probably not be around for much longer with inflation at 2% and coming down. Secondly there is capital growth of shares? Not only do they pay dividends but the price of the shares tend to go up over time. The value of my portfolio at the start of the year was 415k. The value now is 475k and I've only put 8k of new money in. Thats a net increase in value of almost 13% in 6 months.

@Kasmaaan Күн бұрын

Love the motivating videos! However I came across an error in your Year To Date Premium Bonds Prizes. Your Expected (£925) and Actual (£675) are exactly the same as what you presented in last month's video. So the Actual YTD figure should be £825. Can you please clarify what the Expected YTD figure should be? Thanks again for sharing your monthly dividend progress.

@TheCompoundingInvestor Күн бұрын

Thanks, I completely missed that. I calculated the figures and created the new graph but obviously used the previous one by mistake. Well spotted. The figures should be expected £1,100 and actual is now £825 as you mentioned. Apologies.

@FrankCastlesConscience Күн бұрын

Nice video as ever. Just wondering why VHYL and VWRL. Are the stock compositions that different?

@TheCompoundingInvestor Күн бұрын

Thanks so much Chris. Both give global diversification. VHYL is higher dividends so that goes into the ISA. VWRL is low dividend so that goes outside the ISA

@AChillBear Күн бұрын

Would you recommend starting dividend investing while paying off the mortgage, or pay the mortgage off first?

@TheCompoundingInvestor Күн бұрын

Its a matter of personal choice. It the stock market was coming out of a crash and there were bargains everywhere I might do a bit of both. Otherwise my main objective would be to pay off the mortgage first and literally throw everything at it and then have more money to focus on investing without any distraction. Each time you make an over payment on the mortgage it has a guaranteed outcome and once the debt is gone, its gone for good. The stock market is a risky place and nothing is guaranteed. Just my personal opinion however. I just like to fight one battle at a time. I find that very motivating compared to having resources divided and going to several places each month.

@versaceviper9798 Күн бұрын

VWRL for life! Any thoughts on going into an AI ETF like RBOD and BOTZ? I was actually thinking of making a pie with the magnificent 7 with divi’s 🤔

@TheCompoundingInvestor Күн бұрын

I think I'll just be sticking to VWRL, IUSA and VHYL.

@ComeInvestWithMe Күн бұрын

Hey! How much do you get taxed on your dividends? That would be interesting to add!

@TheCompoundingInvestor Күн бұрын

I did mention it in the video. I pay zero tax on my dividends. All investments inside a stocks and shares ISA do not incur dividend or capital gains tax

@ComeInvestWithMe Күн бұрын

@@TheCompoundingInvestor Ahhhh thanks mate. Subbed for responding

@TheCompoundingInvestor Күн бұрын

@@ComeInvestWithMe thanks my friend, Really appreciate the sub.

@russellpetrie119 21 сағат бұрын

vhyl are down too

@JBayney Күн бұрын

This is one of the best youtube journey's out there. Love the content mate keep it up!

@TheCompoundingInvestor Күн бұрын

Thanks so much. I really appreciate the feedback.

@conradknightsocksknight1590 Күн бұрын

Hi do you have a link for your 212 pie please ?

@TheCompoundingInvestor Күн бұрын

My main portfolio is with Barclays and they don't allow the purchasing of fractional shares. I don't have a pie I'm afraid but I do list the value of all my holdings in the quarterly portfolio updates. New one coming out in my next video.

@mrwood4557 18 сағат бұрын

What’s your favourite uk stock to own, that isn’t a ETF.

@TheCompoundingInvestor 17 сағат бұрын

Unilever

@mrwood4557 15 сағат бұрын

Loving my investing journey, I’m sticking mostly with ISF etf, need a ishares all world. But do enjoy individual stock picking. So far I have Legal and general, National Grid, Haleon plc, Greggs (off set buying my lunch from them lol) Tesco, Pennon group.

@BLX187 Күн бұрын

can you have both a savings isa and an investment one?

@TheCompoundingInvestor Күн бұрын

Yes as long as the amount of new money you put in does not exceed 20k split between the two of them in any tax year. For example you could put 10k into each type.

@BLX187 Күн бұрын

@@TheCompoundingInvestor cheers

@box1007 Күн бұрын

Are ETF’s better than funds? What are good ones? Are ETF’s income or accumulation like funds and do you only get a dividend if its income. Trying my best to start investing, may be a bit late as i should of started 20 years ago.

@TheCompoundingInvestor Күн бұрын

If the ETF is "ACC" it means its accumulating. Dividends are still paid but they get reinvested and by more shares of that ETF. Better financially but more difficult to work out the dividend tax. You still have to pay the tax. "Dist" are the distribution versions and you get the dividend as cash. You can reinvest it yourself into that ETF or something else or even take the cash out. Slightly more expensive if you are reinvesting it as there will be fees. I choose the distribution ETFs as I like to choose where the money goes. A couple of very popular ETFs are those which invest in the S&P500 and those that invest in the All World index. Bear in mind an All World ETF like VWRL will be around 60% composed of the S&P500 anyway. Not investment advice of course.

@box1007 Күн бұрын

What are good S&P 500 ETF’s when i search for them several options appear. Perhaps vanguard is a good one. It will take years to get up to 10K in shares however i suppose everyone has to strat somewhere. Thanks for the videos? Do you read any investing magazines if so how often and do you read them on-line via a subscription? Thanks for your videos.

@omar.sheikh91 Күн бұрын

Where is the best broker to use for long term investing where fees are low?

@TheCompoundingInvestor Күн бұрын

I've reviewed the platforms below. If in the UK it might make sense to open a stocks and shares ISA account for tax purposes. kzfaq.info/get/bejne/fr2Plchiy7uRd2w.html

@timbrouwers8154 Күн бұрын

Hi, I’m curious. How does dividendinvestment compare to index funds? I’m in my 20s and am not Sure in which I should invest

@TheCompoundingInvestor Күн бұрын

Most index funds also pay dividends. Accumulating ones will reinvest the dividends back in while the Distributing ones will give you the cash. If you can cope will the rather dull and boring nature of index fund investing then its actually the way to go for most people. ETFs were not mainstream when I started but these days they are a major part of my investing strategy.

@ChRiiZjOhN Күн бұрын

Why persimmon over the other house builders?

@TheCompoundingInvestor Күн бұрын

It’s a long story and dates back to when I first started investing. They were then the largest U.K. listed housebuilder. I bought the shares at £6 and then sold at £8 feeling quite pleased but then to my horror they carried on rising to £35. You could say I’ve got a bit of history with them 🤣 I’ve always tracked their price ever since and planned to get in again when they are sub £10. I meant to buy last year but didn’t.

@ChRiiZjOhN Күн бұрын

@@TheCompoundingInvestor haha fair enough! I’ve recently started buying Barratts again

@jsakuraba4946 Күн бұрын

The trading app you've linked. Is it available for US trading ?

@TheCompoundingInvestor Күн бұрын

If you mean buying US stocks and ETFs? Yes

@jsakuraba4946 Күн бұрын

@@TheCompoundingInvestor sorry , I am located in US didnt know if it had territory restrictions

@TheCompoundingInvestor Күн бұрын

I’ve had a quick look and I don’t think it’s available in the US because of tax restrictions. Not 100% sure so you might want to double check on their website or Google T212 and US

@trevorrugisha2495 Күн бұрын

How much have you invested in vwrl?

@TheCompoundingInvestor Күн бұрын

Totals are in the video description and I'll be doing a full portfolio update in the next video. I have around £8,000 in VWRL

@conchureify Күн бұрын

Looked at the totals invested..SPARE CASH!!?!?

@TheCompoundingInvestor Күн бұрын

Thats the value of the shares held today, not the amount invested. The price of shares go up over time.

@arturprivat8180 15 сағат бұрын

Why do you have a FTSE All World and and a S&P 500. Hold just one

@TheCompoundingInvestor 13 сағат бұрын

The All World is a very recent edition after listening to a podcast by Pension Craft. Perhaps you know the channel. Very clever guy who did some analysis on the S&P500 v All World.

@ollyb360 Күн бұрын

So am I right saying £255,800 invested for £2840 this month?

@TheCompoundingInvestor Күн бұрын

If you discount the premium bonds then it’s 255k for £2690

@ollyb360 Күн бұрын

@@TheCompoundingInvestor That is pretty good going percentage wise. I have £548,804 and that has only had a 4.38% yield up to end of march. Started investing August 2019 so took a bit of a hit from Covid :( I need better ideas on where and how to use my money. Expecting some volatility around the time of the general election nothing too serious hopefully

@TheCompoundingInvestor Күн бұрын

@ollyb360 Yeah at the start of Covid my portfolio fell from 230k to 170k in what seemed like a few days. I tend to buy more when that happens. Put quite a lot into Shell and BP when they crashed

@box1007 Күн бұрын

Should those with Hargreaves Lansdown change to 212? Why are they prepared to lose business by keeping charges so high? Almost every youtuber recommends 212. Its strange of HL have not responded to this. There must be a catch somewhere.

@TheCompoundingInvestor Күн бұрын

Some investors are prepared to pay more for a company which has a proven track record for many decades and better customer service. The traditional platforms like HL don't lend your shares out to third parties like some newer platforms do. I've heard it said a few times that HL are "reassuringly expensive". I guess at the end of the day it is down to personal choice. My own portfolio is with Barclays which is even more expensive than HL. When I started in 2009 there was not a lot of choice. I'm reluctant to change now in case anything goes wrong with the transfer especially where ISAs are concerned. I've not had any issues with Barclays in all this time.

@box1007 Күн бұрын

Lend out shares to 3rd parties does not sound good. Even so HL are very stubborn in not changes charges. Dealing charge should be dropped to £8.

@ifitistobeitisuptome 20 сағат бұрын

Looks impressive, but if you're getting £100 dividends with a stock that only pays 1.1% 2:30 I'm guessing you must have tens of thousands invested in each stock!! So getting just £100 dividends isn't really so great!!

@TheCompoundingInvestor 20 сағат бұрын

Capital growth as well as dividends. For example the S&P500 ETF which pays 1.1% dividends is up 14.8% in the last 6 months

@CycleXplorer Күн бұрын

Dreamy

@timlodge8267 Күн бұрын

IUSA payed £100 but you showed £80

@TheCompoundingInvestor Күн бұрын

New notes got stuck together one on top of the other several times unfortunately

@liamparsons5016 Күн бұрын

Seriously impressive dividends that is! Just curious, how come you have ETFs which are distributing and not accumulating (automatically compounding)?

@TheCompoundingInvestor Күн бұрын

Thanks. All my shares are distributing as I like to choose where the money goes, often with new money going in as well. Another reason is that most of my ETFs are outside the ISA and at some point I'll have to pay dividend tax when the £500 allowance is exceeded. You still have to pay tax on an accumulating ETF and its harder to work out how much that tax is if its not paid to you in cash.

@box1007 Күн бұрын

Do you still have a job or are you just a full time investor now? If so when did you stop work?

@TheCompoundingInvestor Күн бұрын

I have a full time day job in the education sector which I enjoy so no plans to stop. If that changes then passive income does give you options e.g. to go part time or give up some work responsibilities. It is good to have options.

@box1007 Күн бұрын

Absolutely!