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

Рет қаралды 30,340

Күн бұрын

Monthly passive income from share dividends and Premium Bond Prizes.
Current holdings of the companies shown in this video..
Barclays (15.9k), GSK (18.4k), Diageo (24.2k), Rio Tinto (8.9k), HSBC (12.3k) Premium Bonds (50k maximum allowed)
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Disclaimer
This video should not be construed as investment advice. Investments can fall and rise. Capital at risk.

Пікірлер: 280

@TheCompoundingInvestor 20 күн бұрын

How is your investing journey progressing?

@beancount811 19 күн бұрын

Happy Sunday, CI! Always nice to see the money box in action. My end - no luck with prem bonds. But survived a recent in-specie transfer from CBAM to AJ Bell, so couldn't be happier. It all went much smoother than expected. With the recent reduction in comms and a hard cap on anything exchange traded, it seemed like a reasonable harbour to park the treasure chest. Playing around with all the challengers on the side, but at present their track record is limited. So I'm sticking with the bigger boys for the main portfolio. Been learning more about Koyfin for screening/analysis. Nice to see a cheaper way to mine S&P Global data taking shape. Hopefully they can get their portfolio tracker up to snuff, so I can have everything in one place. Now sat here waiting for the LISA bonus to show up after the usual weekend platform maintenance. Will either get dunked into Aviva shares or the broader market. Let's see where we are next week. :)

@TheCompoundingInvestor 19 күн бұрын

Thanks so much for sharing your thoughts and investing strategy. I'm glad the transfer went well to AJ Bell.

@troydyall6624 18 күн бұрын

Not well😢. Upto £9500 bit had to stop contributing due to having to pay a large bill

@TheCompoundingInvestor 18 күн бұрын

@troydyall6624. Sorry to hear that. Hopefully back on track soon with your investments

@troydyall6624 18 күн бұрын

@@TheCompoundingInvestor august hopefully 🙏🏾🙏🏾

@sammni 20 күн бұрын

Nothing like a Sunday morning 8am education

@TheCompoundingInvestor 20 күн бұрын

Thank you 🙏🏻

@grahamevans9606 20 күн бұрын

Just a thank you ace. Following your blueprint, I am currently £6300 up on the £10k I started with nearly 2 years ago. I haven't added anything to the pot...just let it compound. I only wish I'd started 10, 20 years earlier.

@TheCompoundingInvestor 20 күн бұрын

Excellent work. Compounding nicely. I think unless we are Warren Buffet we all wish we had started earlier. I believe he started investing aged 11

@grahamevans9606 19 күн бұрын

@@TheCompoundingInvestor started with 10 shares, now have 12 as two splintered. My savings were doing nothing so I just thought 'start with 10k, see how you go....'

@szabolcstrucz2220 19 күн бұрын

Don't worry thay is exceptional return so it will pullback a bit...

@amenhotepv2844 18 күн бұрын

Luxury problem!

@colinuk1984 20 күн бұрын

April, I made £14.53 in dividends. With HSBC being my biggest return

@TheCompoundingInvestor 19 күн бұрын

Nice work Colin!

@ayandanobatana3440 19 күн бұрын

Happy Sunday everyone South Africa 🇿🇦 is here to an educational cold day.Thank you for this💐.

@alistairpenny5808 19 күн бұрын

Thanks again for the video starting to get there now £174.88 for April in dividends and £150 on the premium bonds. Roll on May

@TheCompoundingInvestor 19 күн бұрын

Onwards and upwards! All the best Alistair

@marton349 20 күн бұрын

Well Im happy to report, as a new invester I got recently, 17.07 from at&t 0.57 from nike 1.84 from coca cola Its a start 😂

@TheCompoundingInvestor 20 күн бұрын

It can get addictive when the dividend payments start rolling in. All the best on your journey. Great start.

@wiztv4109 18 күн бұрын

How much you invested in AT&T mate

@clyde2598 8 күн бұрын

Just so you’re aware if you invest in American listed stocks you’ll have to pay withholding tax to the IRS. The rate is 30% but you can reduce it to 15% if you claim your rights under the US-UK income tax treaty.

@mattsennett 20 күн бұрын

I agree that renewables have not been doing great for a while now but I will stick with them and wait for the turn as the yield they offer is very strong. I don't think the higher for longer interest rate environment has helped them but hopefully that will change later this year. £250 for me in the PB draw which equals my best ever month. All the very best to you for the month of May 👍🏻

@TheCompoundingInvestor 19 күн бұрын

Thanks so much for sharing your thoughts. All the best

@michaelmayes9689 19 күн бұрын

Congratulations, on the amount of dividend payments. April for me is a lower month in the year £596.36 in dividends.I call it money for nothing, living for free. The power of passive income is not to be underestimated. It's not about the amount you can afford to invest. it is regularity of making investments.

@TheCompoundingInvestor 19 күн бұрын

Absolutely agree Michael. Adopting a consistent approach and enjoying the process no matter how much you have to invest is key for the long term

@simonruddle6511 19 күн бұрын

Your channel is required viewing for me! I love the cash thrown into the draw....as a cash man that is a great image. My portfolio is similar to yours in that I own about 35 mainly FTSE 100 dividend paying shares, but unfortnately outside of an ISA so I have to pay tax on my dividends. I agree with you about Bluefield Solar....I too own those shares, but considering that we live in such a dull cloudy country, that seems illogical, so will probably transfer Greencoat too. As for BAE, I do feel a little guilty about making money out of war. But they and Rolls Royce are great performers and show that maybe UK manufacturing is not dead yet.

@TheCompoundingInvestor 19 күн бұрын

Thanks so much for sharing your thoughts. All the best on your investing journey

@TeaxYT 19 күн бұрын

Been enjoying your videos for the past couple months and recently got started on my own investing journey into an all world index fund portfolio on vanguard (specifically Global All Cap) and on T212 (90% VHVG and 10% VFEG). Thank you for sharing the insightful story of your own journey! I'm only 21 so hopefully in years to come I will see great returns.

@TheCompoundingInvestor 19 күн бұрын

Thanks and all the best to you. I’m actually planning on adding an all world ETF (VWRL) to the portfolio soon

@soupercol0166 19 күн бұрын

Great video, great to see your journey, I’ve been going nearly 12months in dividend investing and really enjoying it. Your video is an inspiration for anyone who needs to see that this way of investing, dividend and growth is certainly a must. I 100% agree with your solar trade, that’s a great call. Thanks for sharing all your hard work.

@TheCompoundingInvestor 19 күн бұрын

Thanks so much and all the best on your investing journey.

@peelyo94 20 күн бұрын

nice one id love to be in your position lol i just buy into the vanguard world fund but only have a small amount in there, im currently 30 years old but hoping over time i can put as much as i can to fill the isa each year and then do the 4 percent rule and retire early

@CycleXplorer 20 күн бұрын

Standard Sunday morning watching!

@TheCompoundingInvestor 20 күн бұрын

Thanks so much for watching!

@TomsPersonalFinance 20 күн бұрын

Lots of exciting buys this month. Thank you for the update.

@TheCompoundingInvestor 20 күн бұрын

You are welcome Tom. All the best my friend.

@MukeshSharmabhatt9 19 күн бұрын

Across my two ISAs : I have £1100 and £500 dividend income a year each with a portfolio value of 73k (25%up) and 26k(3%). I take cues from the likes of you combined with thorough research. Thanks to you as always with your investment journey

@TheCompoundingInvestor 19 күн бұрын

Thanks so much my friend and all the best on your journey

@Norfolkpaul 20 күн бұрын

Nice job 😊and well done 👍

@TheCompoundingInvestor 20 күн бұрын

Thanks so much Paul

@alexanderedwards6811 20 күн бұрын

Best videos I've found on this topic. You're a great teacher, thanks.

@TheCompoundingInvestor 20 күн бұрын

That's very kind. Thanks so much for watching

@charlesbrown4941 19 күн бұрын

Great video. Not bad last month, big box, GSK and Nike. This month is going to be my best ever month I suspect. Will be getting a significant amount from Dark if I sell out or when the deal is completed (ideally I don’t want them to) which I have yet to decide what to do with.

@TheCompoundingInvestor 19 күн бұрын

Thanks so much.

@andrejackson3971 19 күн бұрын

Thanks for sharing 😊👍

@TheCompoundingInvestor 19 күн бұрын

Thanks for watching and good luck!

@malcolmbirkett1347 20 күн бұрын

I like experian😊 I think it's going to be in my isa this month. Thanks for the update 😊

@TheCompoundingInvestor 20 күн бұрын

Thanks Malcolm. All the best

@dubsdolby9437 18 күн бұрын

I just brought bluefield 🤯 but got in at £1.00 which I feel is a good entry point. The dividend is solid and well covered. Greencoat is a good buy I hold as well 🙂

@stephensutton-smith4537 19 күн бұрын

Thanks or sharing interesting to see your buy and sells this month. I only own UKW in this sector, this was one of my bed and isa this year, I also took the opportunity to top up my holdings on this while they dipped, seen a nice since.

@TheCompoundingInvestor 19 күн бұрын

I've held UKW since it was floated way back in 2013 I believe. Very good dividends in that time and share price has been fairly stable compared the other energy assets I had. Good luck on your journey.

@Dr.JubairsFinance 17 күн бұрын

Congratulations on 30k Professor!

@TheCompoundingInvestor 17 күн бұрын

Thanks Dr Jubair. All the best

@jdthompson123 19 күн бұрын

I got 100 quid on the premium bonds this month, marginally beating the compound investor. Better than last month’s big fat zero.

@TheCompoundingInvestor 19 күн бұрын

Good work! Good luck in future draws

@gurdeepchumber2764 19 күн бұрын

Great video once again,ive trimmed my portfolio in ISA down to 24 stocks which are mainly FTSE 100,im averaging £400 a month so steadily growing as i re invest to use compounding effect, outside my isa ive reviewed all my shares that include Experian, vusa,lseg,AHT etc which have very low dividend yields in them.

@TheCompoundingInvestor 19 күн бұрын

£400 a month is fantastic progress. All the best Gurdeep

@gurdeepchumber2764 19 күн бұрын

@@TheCompoundingInvestor thankyou mate & just wish like everyone else I'd started earlier 🙏🏽

@pickashole 19 күн бұрын

Thanks for the update. Trig is not having a great time at all. I've purchased more during the dip. However my holding is small so I can sit and wait. I also have Vod, small holding but looking to shift over the year..

@TheCompoundingInvestor 19 күн бұрын

You are welcome. Hopefully things will pick up soon if interest rates continue to fall. All the best

@Spadunked 19 күн бұрын

Very interesting. My holdings are geared towards capital growth and haven't focused on any dividend stocks but this is great to see. It almost makes me want to start a dividend portfolio haha

@TheCompoundingInvestor 19 күн бұрын

Total return is the most important thing from a financial perspective but I find dividends extremely motivating which keeps me focused

@Spadunked 18 күн бұрын

@@TheCompoundingInvestor Yeah, it must be nice to see that regular income adding up, and having those dividends come in even if the market/share prices aren't doing so well.

@TheCompoundingInvestor 18 күн бұрын

Absolutely, at the start of the pandemic my portfolio fell from 230k to 170k in what seemed like a few days. That could scare a lot of people. Yes the dividends did take a hit but that was gradual and it soon picked up again

@pahaihminen1 19 күн бұрын

I made £8.31 in dividents in April. Aiming to get consistently above 10/ month

@TheCompoundingInvestor 19 күн бұрын

Setting yourself targets and working towards them. I like it! Great work and all the best on your journey

@versaceviper9798 20 күн бұрын

Great vid. Thanks for the update. What is the plan with your VHYL, do you intend on keeping your current portfolio and drip feeding VHYL? I just started off my portfolio - I went with VWRL and VHYL in my SS ISA and also opened up a premium bonds account. My 30 year journey starts now! 😄

@TheCompoundingInvestor 19 күн бұрын

I'll carry on adding to VHYL periodically with dividend money as it's inside the ISA. I'm also thinking about buying VWRL outside the ISA

@Pyconastu 4 күн бұрын

As a 21 Year old i received £46 Dividents from my Airbus Shares. Now i just have to make sure that other investments payout monthly. great videos, Learning a lot from them.

@TheCompoundingInvestor 4 күн бұрын

Thanks so much. Glad you are finding the videos useful. At 21 you have plenty of time for compounding to do it’s magic. All the best on your journey.

@davidmacphee5449 19 күн бұрын

Always look forward to this video coming up every month!

@TheCompoundingInvestor 19 күн бұрын

Thanks David. Glad you are finding it useful. All the best

@DividendGrower 19 күн бұрын

I like that you are now including the Yield on Cost, as over time it gets more important than the portfolio yield, just like in your case.

@TheCompoundingInvestor 19 күн бұрын

Yeah I should have done this earlier in my videos. Think it was another KZfaqr Thomas Goldstep Finance where I got the idea from as he shows it in his videos

@thenoodlebuddy 19 күн бұрын

Such a great video and channel cheers mate :)

@TheCompoundingInvestor 19 күн бұрын

You are welcome my friend. All the best on your journey

@shanksy9219 17 күн бұрын

As always brilliant video. I've maxed this years out already and tempted to move out my VUSA into the invest account and sell up some higher paying dividend stocks - Just grown to attached to some of the green %s but I know it needs to be done!

@TheCompoundingInvestor 17 күн бұрын

Thanks so much for the feedback. Looks like you are doing some spring cleaning too. All the best.

@matteden7535 19 күн бұрын

Well done… think u continue to make shrewd decisions

@TheCompoundingInvestor 19 күн бұрын

Thanks so much. Time will tell.

@jeromegudgeon 19 күн бұрын

April was brilliant with Shoezone , HSBC & Natwest too. Im sticking with RR although am now out of direct US holdings as I move towards maximum yield. Ive done very well and Im sure Amazon, etc will keep going up so have them in VUSA just dont want a sudden correction.

@TheCompoundingInvestor 19 күн бұрын

Nice work. I sold around 20% of RR and it’s still the largest holding, so it remains a big part of the portfolio. I’m thinking of adding VWRL outside the ISA in the near future.

@harrysheffield624 19 күн бұрын

Many thanks TCI - always interesting to see what you've sold and what you buy. I'm also in with Relx, Experian & LSEG recently. Quick question if I may TCI? I'm trying to find a source that gives historical NASDAQ Index data, but plotted showing its P/E ratio, and not the index value itself ? Can you suggest something?

@TheCompoundingInvestor 19 күн бұрын

Thanks. I tried searching for the question you asked. Probably not much help but maybe the link below has something.. www.macrotrends.net/stocks/charts/NDAQ/nasdaq/pe-ratio

@harrysheffield624 19 күн бұрын

@@TheCompoundingInvestor Perfect !! Many thanks. I'm trying to get a measure of the NASDAQ Index as to if and when it's valuation become 'stratospheric', as a way of perhaps judging a time when I should sell BEFORE a correction takes place. I'm also using the VIX Index & Fear & Greed Index to help me in finding out where we are. Thanks again.

@MrJeffHead 19 күн бұрын

Good to see you have ditched solar.

@SpeedyDocDOCARMY 19 күн бұрын

Nice one mate, solid investments and compounding interest. I'm looking to boost my stocks and buy new ones soon. Any suggestions coming soon?

@TheCompoundingInvestor 19 күн бұрын

Thanks. Thinking of adding VWRL at some point.

@chrispalmer24 18 күн бұрын

Amazing results, well done! Premium bonds is interesting - I managed £600 so far this year, I've definitely underperformed having it in the bank lol, shame the tax threshold is so low.

@TheCompoundingInvestor 17 күн бұрын

I agree, so much variation with bonds. 2023 brought in over £3,000 in prizes but in 2022 I only won £500 for the whole year even with the max invested

@DuaforAyeeyo 20 күн бұрын

GOOD MORNING.

@TheCompoundingInvestor 20 күн бұрын

Good morning to you

@james9573 17 күн бұрын

I love the video as they are incredibly informative. One thing I’d like to know, and I’m not sure if you’ve already mentioned this in a past video but it would be great to see how much you invest each month from your own earnings. Not including any dividend yields, just simply from what you earn from working and what you put into the Stocks and shares Portfolio. Keep up the great content!

@TheCompoundingInvestor 17 күн бұрын

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

@james9573 17 күн бұрын

Amazing stuff thank you. I’ll be sure to check out the linked video.

@gratitudeinvesting 15 күн бұрын

I was shocked to see TRIG & BSIF have gone but i see why. Another quality instalment as always🙏🏾👌🏾

@TheCompoundingInvestor 15 күн бұрын

Thanks my friend. Roll on May. Looking forward to your next update 🙏🏻

@leehurley7564 17 күн бұрын

Great video as always £79 for me up from £52 last year in pleased with that keep up the good work all the best

@TheCompoundingInvestor 17 күн бұрын

Nice work Lee. Always good to see the figures increase year on year. Very motivational.

@stevenjackson9721 3 күн бұрын

You are a big help... I have been binge watching and consuming all information i can on planning for future and starting to mange my finance, your channel has been great help. I have just brought my first 2 ETF (vwrp) a (IITU) i have £1000 in there with a £200 month auto invest, i theb have a 4k emergency found in 5% easy access account and then another 4k in second account that gets %5.1 that im ready to invest but trying to learn more first.. its scary when new as not a high earner (30k) and is all my svaings but getting the knowledge is first steps

@TheCompoundingInvestor 2 күн бұрын

Thanks so much and all the best on your investing journey

@NicolaatTheFrugalCottage 19 күн бұрын

I’ve just uploaded my dividend income update and it’s not good 😭 I’m starting over. One day, I’ll get my portfolio to this. I’m determined to!

@TheCompoundingInvestor 19 күн бұрын

I'll be sure to watch. I'm sure with your steady, methodical and determined approach you will build the portfolio back up. All the best Nicola!

@alexanderedwards6811 20 күн бұрын

Can I ask what was your initial investment into premium bonds? And did you set it up so the dividends were automatically reinvested? Thanks

@TheCompoundingInvestor 20 күн бұрын

I think I started premium bonds with £1000 or so and then added in blocks of around £2000 to £5000 until it was full. Took around 6 years I think to fill it completely. Yes you can set it up to automatically buy more bonds.

@jimsully9851 6 күн бұрын

Fantastic video as ever.

@TheCompoundingInvestor 6 күн бұрын

Thanks so much

@juliafeildenracing7180 19 күн бұрын

Some big moves there 🙌🏻 All make sense though & hope they’re lucky for you!

@TheCompoundingInvestor 19 күн бұрын

Thanks so much, I really appreciate it

@minmo2288 15 күн бұрын

A year ago I made a t212 pie based off the video you did revealing your whole portfolio and it’s currently 14.74% up not too shabby.

@TheCompoundingInvestor 15 күн бұрын

That’s good to hear. Nothing guaranteed of course with the stock market but over the very long term will hopefully beat inflation.

@BoothferryLad 19 күн бұрын

So just to be sure, I can withdraw my dividends if I wished, I am with Trading 212 ISA account, and its not taxable income?

@TheCompoundingInvestor 19 күн бұрын

This is correct. Even if your dividends inside your ISA are a million quid a year, you can take out the cash and there is no tax to pay on it

@B0jangle5 19 күн бұрын

In an earlier video you mentioned you paid off your debts. Did this include mortgage? Wondering on whether it's better to pay this off first or focus on dividends?

@TheCompoundingInvestor 19 күн бұрын

The video below should explain all.. Should You Pay Off Your Mortgage or Invest? kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@kw8757 19 күн бұрын

Small thing but at 10:07 you say Barclays pay a 4% dividend over 4 payments a year, but on the screen it says "frequency twice", which is it? Or have I misunderstood?

@TheCompoundingInvestor 19 күн бұрын

A few have mentioned this. Barclays pays twice a year. They used to pay quarterly and as I've owned them for 15 years I keep forgetting that they no longer pay quarterly.

@kw8757 19 күн бұрын

@@TheCompoundingInvestor Thanks 👍

@SovereignSaurus 20 күн бұрын

Looks like a great month once again! It was a healthy month of dividends here too with some similar companies to yourself. Have you a target in terms of % of portfolio for your All World and S&P ETFs Vs individual companies?

@TheCompoundingInvestor 19 күн бұрын

No real target in mind but as time goes by the ETFs will naturally become a much bigger part of my portfolio. VHYL is inside the ISA and I have IUSA outside the ISA. I'm thinking about adding VWRL in the future also to be kept outside the ISA as the dividend is quite low. I didn't know about ETFs way back in the day when I started this portfolio. They were not mainstream as they are today.

@riyasah4789 19 күн бұрын

Thanks ❤❤❤

@TheCompoundingInvestor 19 күн бұрын

You are welcome

@porschecarreras992cabriole8 19 күн бұрын

Great that you decided to put in ISA so no more tax

@TheCompoundingInvestor 19 күн бұрын

As long as I keep the dividends outside of the ISA below the £500 limit which will become more difficult. Everything in the ISA is free of tax at least

@rowlandwetmaker 19 күн бұрын

I'm keeping BSIF and TRIG to see what comes...for now...

@TheCompoundingInvestor 19 күн бұрын

I’ve been wrong many times before. If interest rates continue to fall then they should do better. All the best

@randomfaod 18 күн бұрын

If I may ask, what formula do you use in your spreadsheet to calculate yield on cost?

@TheCompoundingInvestor 18 күн бұрын

(Total dividends received in the last 365 days divided by amount invested since I started) x 100

@dividendhero 19 күн бұрын

Would you recommend buying into Coca Cola before or after ex dividend mindful it only pays once a year? I don't own it yet. Thanks.

@TheCompoundingInvestor 19 күн бұрын

It doesn’t really matter financially if you buy before or after the dividend as the share price drops the same amount as the dividend on the ex-dividend date. In the early days I preferred to buy before the ex-div date more from a motivational point of view as I then didn’t have to wait so long to see the cash rolling in

@dividendhero 19 күн бұрын

@@TheCompoundingInvestor but out of experience, wouldn't you say that the share price typically drops more that the dividend as investors might want to move the money somewhere else? Especially because they'd otherwise have to wait another year to get paid the next dividend.

@TheCompoundingInvestor 19 күн бұрын

I don’t believe there is any way to gain an advantage buying before or after the ex-div date. If there was it would be widely known, exploited and then because of this would quickly disappear.

@Tom-hy9kf 15 күн бұрын

I’m a rare subscriber, but watched a few videos and all have been brilliant. Hit the big red button after this one!

@TheCompoundingInvestor 15 күн бұрын

Thanks so much Tom. I really appreciate it.

@jjwilki4294 19 күн бұрын

Quick question I use same platform but I don’t get any record of what dividends I received I used to when I took it in shares any idea how you track it or how you see it ?

@TheCompoundingInvestor 19 күн бұрын

Remind me which platform you are using?

@jjwilki4294 19 күн бұрын

Barclays smart investor when I took dividends as shares it would show now it dosent if I select cash payments ? How do you see it

@TheCompoundingInvestor 19 күн бұрын

If you click on your account there should be a drop down menu called OVERVIEW. Click on that and you can then see an option called CASH TRANSACTIONS. That will show all dividends paid. The option ORDERS shows all buys and sells you have made.

@jjwilki4294 19 күн бұрын

@@TheCompoundingInvestoramazing thank you so much your honesty the best !

@hubertboogerfart 11 күн бұрын

outside the isa, what do you use to invest your money?

@TheCompoundingInvestor 11 күн бұрын

ISA and General Investment account are both with Barclays. I also have Premium Bonds and a Direct Saver account with NS&I. I do have small amounts in FreeTrade and Trading 212 but they are just experimental fun portfolios.

@jacklittlemore9277 18 күн бұрын

when you mention how much you have in holdings per company/share - is this based on total amount of shares owned or value of the total shares?

@TheCompoundingInvestor 18 күн бұрын

It’s the current value in pounds of my complete holding in that company

@tonyb9185 16 күн бұрын

Hi i have only just started on this journey and have enjoyed your videos, So i have joined 212 isa and will get dividends which i will invest,but what if i want to take the dividends cash will that effort my isa? Thanks

@TheCompoundingInvestor 16 күн бұрын

Great to hear you have started your journey Toby and plan to reinvest the dividends. They should remain as cash inside your ISA platform ready to reinvest when you want to or you can simply withdraw the cash and spend it instead if you really need to.

@tonyb9185 16 күн бұрын

Thanks for that,I have a good pension which I took at 57 and premium bonds maxed,I thought open up a isa and invest, So I could get some extra cash, i find your monthly videos very good,and I am strangely enjoying this path I am going down, Thanks again

@joshewithaheart4613 11 сағат бұрын

Brilliant content please keep it uip mate

@TheCompoundingInvestor 10 сағат бұрын

Thanks, I really appreciate it.

@jameswolridge5857 10 күн бұрын

It seems like you prioritise protecting your dividend income within your isa instead of capital growth. Is that purely as it’s more calculable/ can be to some degree forecasted than capital growth? I would be interested to hear your reasoning on it?

@TheCompoundingInvestor 10 күн бұрын

Capital gains tax is much lower and is more controllable as I can decide when to sell those shares. However dividend tax is much higher and potentially is a taxable event every year. I therefore try to protect the dividends and not worry so much about capital gains

@jameswolridge5857 10 күн бұрын

@@TheCompoundingInvestor ah okay I had not thought of the difference in tax. Would only make more sense if you had a very significant gain like your roll royce shares. Out of interest was that within your ISA or outside?

@TheCompoundingInvestor 10 күн бұрын

@jameswolridge5857 Rolls Royce is outside the ISA as it pays zero dividends currently. It has increased in value significantly but I did sell a chunk of it to use up the capital gains allowance last year. Still quite a lot of gain left however but I had no idea the shares were going to do as well as they did.

@jameswolridge5857 9 күн бұрын

@@TheCompoundingInvestor yeah that makes sense. I mean no one really knows which of their stocks is going to be a huge winner and with a portfolio of your size you can't protect everything. Thanks for replys

@stevetodd9581 12 күн бұрын

I already own Relx and just doing some final research on Experian, likely selling half an existing position to facilitate it (CRH). Are you still using your Barclays platform or would you swap to another provider nowadays?

@TheCompoundingInvestor 12 күн бұрын

From a purely financial point of view it would make sense for me to swap to another platform but I’m a bit apprehensive of transferring a large portfolio across in case something goes wrong especially where ISAs are concerned. I’ve heard a few horror stories of it sometimes taking several months. If I were to transfer I’d still choose a traditional platform like Hargreaves Lansdown for instance which would not exactly be cheap. I prefer the customer service of a traditional platform and they have stood the test of time. I’ve therefore no immediate plans to change. On the subject of Experian, you might want to check if there is a witholding tax on the dividends. I believe the headquarters is in Ireland which might mean there is a witholding tax of 25% on the dividends before you even get them. I’m not 100% sure about this however so worth checking out. I’m not too fussed about it personally as the dividend is fairly low anyway but obviously this is worth checking out. Smurfit Kappa is another company which is headquartered in Ireland but that has a much higher dividend. I have not bought Smurfit Kappa for that reason.

@stevetodd9581 12 күн бұрын

@@TheCompoundingInvestor that makes sense to with the large value element and timescales. How has Experian faired for you since starting your position as well as Relx?

@TheCompoundingInvestor 12 күн бұрын

RELX is showing a gain of 9% Experian is 6% gain

@stevetodd9581 12 күн бұрын

@@TheCompoundingInvestor lovely!!

@ifyouarefeelingsinister 19 күн бұрын

Probably a rude question but since you’ve mentioned previously you would like dividends to replace your monthly salary eventually; how much will your monthly dividends need to grow to match your take home?

@TheCompoundingInvestor 19 күн бұрын

Hi, it’s not something I disclose publicly but I’m a long way off achieving it through dividend income and may never get to that that point but the dream motivates me to continue trying

@ifyouarefeelingsinister 19 күн бұрын

@@TheCompoundingInvestor that’s fair and understand your reasons for wanting the privacy. I guess I’m just interested and trying to compare to my own journey ahead, as when you say you work in the education sector it’s (I imagine deliberately) vague- as there’s obviously a HUGE gap in salary between a teaching assistant and an academy director for example

@TheCompoundingInvestor 19 күн бұрын

Somewhere in the middle of that I would assume. Ordinary teacher in the U.K. with no extra responsibilities etc. I’m sure you could look up a ball park figure for that. I did however pay off my mortgage before starting this portfolio and how I did this is explained in the video below if you want to see more of my journey in the early days.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@ianfisher7360 19 күн бұрын

Finally miners are picking up with take overs in the air. Hopefully their divs will go back up too. Putting some new money into high paying eft fund. Not a lot but its nice to have some 10% income to boost the avg return on the portfolio. Hopefully iag will take off soon then itll be sell or stick woes!.

@TheCompoundingInvestor 19 күн бұрын

I just hope if and when they are taken over they remain as UK listed companies

@ianfisher7360 18 күн бұрын

Perhaps better value listing in the US. I'm more concerned about Utilities being taken back into public ownership. Looking to move out of a fund that has several of them in it as I fear they will suffer from even a hint of it.

@DonaldDuck666 19 күн бұрын

GSK is cool

@TheCompoundingInvestor 19 күн бұрын

Yes it’s on a good run this year

@Non-Stick_Pan 18 күн бұрын

Would you ever consider using a spreadbetting account (with positions sized to 1:1 so no leverage used) to avoid the extra financial penalties of the GIA?

@TheCompoundingInvestor 17 күн бұрын

I have tried a spread betting account many years ago but I don’t consider it suitable for long term investing. There are roll-over fees built in and the need to keep a fairly large deposit of funds to cope with margin calls etc and you don’t get dividends paid to you either. It’s not for me.

@riddlergorshin 18 күн бұрын

Hi professor, how about a us tech fund? May I recommend Xlkq or iitu?

@TheCompoundingInvestor 18 күн бұрын

I buy the S&P500. That has enough tech in it for me.

@user-zt1sx1xy5r 20 күн бұрын

Can I open second stock and shares isa with another broker I have allready with IBKR and I want to open with Trading 212 ?

@James-zu1ij 19 күн бұрын

Yes

@TheCompoundingInvestor 19 күн бұрын

Yes I believe so

@charlesbrown4941 19 күн бұрын

Yes. You can split your 20k by however many platforms you want.

@user-zt1sx1xy5r 19 күн бұрын

@@charlesbrown4941 thank u so much

@barrywhite5899 17 күн бұрын

Sold out of TRIG and Bluefield this afternoon. Placed a Fill or Kill order after hours for £4000 in greencoat to add to what I already have. Ex dividend this week so sneaked in for the dividends being paid at the end of the month. Happy with that although I expect the price to drop on ex dividend day. My simply Wall Street app is showing a yield of 9.6% !?

@TheCompoundingInvestor 17 күн бұрын

Dividend data has Greencoat at 7.1% yield and dividend max has it as 8.0%.

@barrywhite5899 17 күн бұрын

@@TheCompoundingInvestor weird is t it…. You’d think there would be a single source of true data…. Either way, I see growth and a dividend so I’m happy with my choice!

@CC-dg4er 6 күн бұрын

Hi, what platform do you use to invest. Most only guarantee £85k will be protected. I want to start but I don’t know which platform to use

@TheCompoundingInvestor 6 күн бұрын

In an ordinary bank account yes, 85k is protected. On my Barclays Smart Investor platform, all customer assets are segregated from the bank's assets even the cash on the platform. In the event of the platform going bust they cannot sell my shares or have access to my funds. I suspect most platforms operate this way by law but worth checking out to make sure. Barclays is the platform I use but they are quite expensive. There are much cheaper options out there like Trading 212. I'm a bit reluctant to change now in case something goes wrong with transfer of a relatively large portfolio especially where ISAs are concerned. To be fair I've not had any significant issues with Barclays over the 15 years I've been with them.

@CC-dg4er 6 күн бұрын

@@TheCompoundingInvestor thanks for the reply. I was looking at vanguard. Trading212 sounds good I looked at that as well but T212 isn’t as established as a big bank like Barclays. I think I will use barclays. Thanks

@TheCompoundingInvestor 6 күн бұрын

Hargreaves Lansdown are also a very established platform. You might want to check out how they compare to Barclays if you are going down the traditional stockbroker route.

@adamross6474 18 күн бұрын

Can I ask how you started to learn this sort of stuff? I sit and watch your videos, parts of it make sense. But when it comes to finding the stocks, it scares me abit

@TheCompoundingInvestor 18 күн бұрын

I don't use a lot of science to it. I simply think which large companies / sectors we can't live without and which will perform no matter what the state of the economy e.g. pharmaceuticals like GSK and AstraZeneca. People need medicine no matter how the economy is doing. Oil, gas, water, electricity are other examples. They are Monopolies and new entrants cannot compete with them. Nobody is going to suddenly arrive on the scene and challenge National Grid, as the power lines are already here. Diageo and Unilever also have monopoly power. Every household in the UK probably has Unilever products somewhere in the house and with Diageo, think house difficult it would be to produce a drink which out-compete Guinness. These companies will probably still be here in 100 years from now. There are plenty of US companies of course which have similar monopoly power. When you buy a share in a company you are a part owner of it. You can also buy ETFs which buy the whole index if you are not confident in picking individual companies. Not investment advice of course just my own strategy. There is a video I did on my early journey into investing if you are interested which also touches on paying off debt first. You might find it interesting to see how my early journey started.. kzfaq.info/get/bejne/qZOJo7GZu9mrf58.html

@macsidia 6 күн бұрын

Just around £50 interest, nothing from Ernie in April.

@TheCompoundingInvestor 6 күн бұрын

All the best in future draws

@harrigreen6263 5 күн бұрын

Where do you buy shares from please?

@TheCompoundingInvestor 5 күн бұрын

I use Barclays, but they are quite expensive. For smaller portfolios or for those starting out, commission free platforms like T212 or Freetrade are worth considering

@wiztv4109 18 күн бұрын

Have you got link to buy NS&I bonds?

@TheCompoundingInvestor 18 күн бұрын

Available to U.K. residents.. www.nsandi.com/products/premium-bonds

@wiztv4109 18 күн бұрын

@@TheCompoundingInvestor thanks

@wiztv4109 18 күн бұрын

@@TheCompoundingInvestor do you get interest on the bond savings? Or just save each month

@TheCompoundingInvestor 18 күн бұрын

You don’t receive any interest at all. Everyone’s interest is collectively put into a lottery and divided up into thousands of prizes which are then awarded at random to lucky holders. Your actually amount you put in is never lost and you can take it out whenever you want

@chefgarcon9808 4 күн бұрын

Which app can I get started on ?

@TheCompoundingInvestor 4 күн бұрын

Trading 212 is worth considering

@nevetsre7001 19 күн бұрын

£178 for April, but May should be a better month

@TheCompoundingInvestor 19 күн бұрын

Thanks for sharing your progress. Excellent work!

@tourbike 18 күн бұрын

With the ISA you put in 20k a year and can you keep adding 20k every subsequent year so in five years you end up with 100k in it?

@TheCompoundingInvestor 18 күн бұрын

That’s correct but also your shares tend to grow over time so you could end up with a lot more than 100k in it. The reverse is also possible however. There are many ISA millionaires in the U.K. now and the dividends they get now must be staggering. All tax free of course

@tourbike 18 күн бұрын

@@TheCompoundingInvestor 6 years ago I met some retired guys who put all their retirement money into (one) dividend UK company. The company didn't pay out any dividends for the 6 years so this put me off the idea of getting dividends. Although now I'm doing well in other areas it might be time to take a more serious look at dividend investment.

@MrJeffHead 19 күн бұрын

Would you ever consider cashing in your stocks and going into business? You could buy a business paying you 150k+ a year in dividends and still be debt free or take on some debt and buy a business making nearly half a mill a year.

@TheCompoundingInvestor 19 күн бұрын

I have a busy full time day job so don't have the time or knowledge for going into business or investing in property etc. With shares, I can basically buy and forget.

@MrJeffHead 19 күн бұрын

@@TheCompoundingInvestor Fair enough, you'd surprised just how easy it is for a man with that much cash. With using leverage you could easily buy a business worth a million quid as making 250-500k a year.

@combat246 18 күн бұрын

Will you be attending any upcoming AGMs? Shell are having theirs on the 21st May. If you turn up, lunch is on me.

@TheCompoundingInvestor 18 күн бұрын

Unfortunately I’ll be working but thanks for the offer 🍽️

@macmoore4599 12 күн бұрын

First dividend payment received - 32p

@TheCompoundingInvestor 12 күн бұрын

Good start. Onwards and upwards towards the magic £1. All the best on your journey

@russellpetrie119 19 күн бұрын

sold rr when got over 3 pound a share did well did think about adding to bae

@TheCompoundingInvestor 19 күн бұрын

I sold around 20% of my RR holding. Still the largest holding in the portfolio. They have had an incredible run.

@russellpetrie119 19 күн бұрын

@@TheCompoundingInvestor i imagine large in most investors portfolio but no div yet

@Calder1169 19 күн бұрын

My investments have been doing nicely since last October. The high tide lifts all boats though. Question for you. At what monthly/annual income level will you quit the day job? When it exceeds current salary, or at some target. Or are you just holding out for the million pound premium bond prize?

@retirementinvestor7099 19 күн бұрын

I take it that you use the dividends gained in the isa to transfer none isa stocks into your isa - I have been doing this for a few years and now have all my shares in Isas

@TheCompoundingInvestor 19 күн бұрын

What a bed and ISA transaction does is sell the stocks outside the ISA and the cash e.g. 20k gets moved to inside the ISA then the same shares are bought with that cash which was transferred across. I do this once a year

@retirementinvestor7099 19 күн бұрын

@@TheCompoundingInvestor yes but your getting approx 1.2k per month in divs in the isa that means you can sell approx 1.2 k of none isa shares and rebuy them in the isa using the isa cash from your isa divs that mean you can put approx 35k into your isa a year - if that makes sense

@TheCompoundingInvestor 19 күн бұрын

Oh yes this is true and I have used this method in months when I get a lot of dividends in the ISA e.g. in September it's usually around 3k and I can transfer a big chunk across. Did this with some Diageo last year.

@quokkapirquish6825 20 күн бұрын

Had a great month, I’m heavy into banks stocks which have boomed, got a big dividend from NWG which I have invested into MNG, which is in a dip. MNG pay a relatively safe 10.4% dividend

@TheCompoundingInvestor 20 күн бұрын

Yeah the banks are definitely on the up this year. Thanks so much for watching.

@ThomasGoldstepFinance 18 күн бұрын

Just uploaded my dividend/premium bond/real estate review video - damn, my luck is so out with premium bonds! 😅😅

@TheCompoundingInvestor 18 күн бұрын

Nice one Thomas, I’ll be sure to check it out.

@littlebear3879 19 күн бұрын

You say you have £750 in Premium Bonds and win/won? What fortitude! I’ve got a few pots in PBS; £3500 being the biggest a then £100 every month (for my cats, yes cats) so a few extra thousand making a larger pot and have won twice since 2020, £25 and £50. Lucky you! It’s my emergency fund also so no stressing. The cats are insured but you never know!

@TheCompoundingInvestor 19 күн бұрын

I have the full amount of 50k in premium bonds. The £750 is what I should have won so far this year based on average luck. In reality I’ve won much less than that as shown in the video

@sueievers8700 20 күн бұрын

The next Barclays dividend is September 17th, twice a year, not four times.

@TheCompoundingInvestor 19 күн бұрын

Oh yes, thanks for pointing that out. They used to pay 4 times a year back in the day. I must try and remember that they no longer do.

@beancount811 19 күн бұрын

@@TheCompoundingInvestor You're probably thinking HSBC, who recently switched from biannual to quarterly under pressure from Ping An. We'll see how long this lasts. Biannual is more common in the UK. In Europe and Asia, you'll often get just one pay out per year. So it rather depends. Barclays used to be a bigger fish back in the day - likely tried to keep up with its American peers.💰🥯🎩

@TheCompoundingInvestor 19 күн бұрын

The banks have not done great for me since I started in 2009 and that was a very scary year as I started in January. Good to see the banks share prices performing nicely in 2024. About time.

@beancount811 19 күн бұрын

@@TheCompoundingInvestor Yep, traditional banking operations struggle when the cost of money is cheap and the investment arm crashes. GFC was a perfect storm. Still, when run well, they're as close to a perfect money machine as you'll get. Glad they're picking up for you.👍I reckon a decent batch of your early shares would've been bought close to all time lows.

@ronnietaylor9377 19 күн бұрын

Nat West has been my best performer recently.Was lucky enough to buy with the Farage debacle . Which allowed me to buy at £1:78 and then got a nice £1380 divi payment this month .

@user-si7jv8vn5v 15 күн бұрын

Yeah, returns haven’t been the best but hey at least you have half 1 million. That’s way way more than most people have I’m definitely a lot more than you not investing at all and keeping it in just a current account

@DreamClean 5 күн бұрын

I'm at about £17.80 a day. I've got far too much cash on hand due to naively saving for a house.

@TheCompoundingInvestor 5 күн бұрын

That’s a decent sum per day. Nice work

@charlieboyvespa8610 19 күн бұрын

How much tax do you pay on all these dividends?

@TheCompoundingInvestor 19 күн бұрын

I pay zero tax currently. In the UK we have a stocks and shares ISA and any shares within the ISA are not subject to capital gains or dividend tax.

@charlieboyvespa8610 19 күн бұрын

@@TheCompoundingInvestor thanks it must have taken a long time to accumulate so much of 20k a year is max investment

@amenhotepv2844 18 күн бұрын

No tax on dividends. WoW, I pay 25%. 😵‍💫

@TheCompoundingInvestor 18 күн бұрын

Yeah we are lucky in the U.K. and have a tax shelter called a stocks and shares ISA where we can shelter 20k of new investments every year

@user-gm6lw6ug1i 8 күн бұрын

How much tax you pay in you county?

@TheCompoundingInvestor 8 күн бұрын

We have a tax shelter called a stocks and shares ISA in the U.K. I currently pay no capital gains or dividend tax on my investments.

@shad118 19 күн бұрын

Wouldn't mutual funds be better for dividends

@TheCompoundingInvestor 19 күн бұрын

The charges for mutual funds range from 0.25 to 1%. An index tracking ETF such as the FTSE 100 only charges 0.07% and individual companies have no ongoing charges at all

@TheMaskedMuller 16 күн бұрын

Ive asked you this before and you’ve not responded yet: With savings accounts currently paying 5%+ why not just stick your cash in the bank?

@TheCompoundingInvestor 16 күн бұрын

You can’t beat inflation over the long term with cash in a bank. Your money in a bank will be eroded in valine over time. That 5% won’t last for long. With the stock market history shows you tend to do beat inflation by an extra 5%. Also there is tax to pay on interest in a bank of between 20-45% depending on your tax bracket. I don’t currently pay tax on my dividends or capital gains as I use a stocks and shares ISA. PS I did respond to you last time. My original message is below.. There is capital growth as well as dividends which you don’t get in a savings account. Total return for 2023 was 9.6%. 2024 will probably be a lot higher than this. My portfolio has increased in value by around 40k already in 2024. There is also tax to be paid on bank interest. In my stocks and shares ISA there is no capital gains or dividend tax to be paid. You can’t beat inflation with cash savings over the long term. History shows that investing long term in the stock market beats inflation. No guarantee of course it’s just what the stats show.