Yearly Archives: 2019


Second Quarter 2019 Dividend Income!

The last month and half has been extremely busy. With work, the good weather and all the sport, I have hardly had time for this blog. This has clearly shown by the lack of posts on this site. Hopefully I will get back into routine and start posting regularly again. For now, I just want to drop a quick post highlighting the amount of dividends I received over the past three month. So without further ado…   My dividend income for the months April, May and June 2019 amounted to £790. That is a hell of a quarter if I might say so myself.   Considering I made £538 over […]


How Much Should You Have Saved By The Time You Reach 30

The big 3-0! Most people hate leaving their twenties and hitting the three decade mark. Many see 30 as the official mark to becoming an adult. It is when you need to take on responsibilities and start thinking about life’s bigger financial problems – housing, raining a family and retirement. So with the thirties being a big decade for your finance, how much should you actually have saved by the time you reach the age of 30?   According to one of the word’s largest investment firms – Fidelity – people need to have an equivalent of a years worth of salary in their savings by the time they hit […]


Private Real Estate Vs REITS – Best Property Returns

We Brits love real estate. I know many people who invest in property but would never touch another asset class. There is something about real estate that draws people in. Whether its tangible properties, high current income, long-term appreciation potential or inflation protection properties, people just love to invest in real estate. Its almost becoming an obsession. Whilst many people want to invest in property, they want to know what is the best way to do so. Should they invest in buying properties outright on their on or should they use real estate investment trusts which are listed on the stock exchange. What are the historical returns? This article will […]


Reaching £3500 in Dividend Income

Another milestone hit. Another reason to celebrate.   Eagle eyed readers would have spotted the crossing of this milestone.   In a recent post covering my latest purchase of Imperial Brands, I mentioned that my ISA portfolio has just crossed over the £3,500 mark in dividends.   It is an awesome feeling. To know that I make close to £10 a day for doing absolutely nothing is simply amazing.   Never would I have thought when I made my first dividend purchase that I would reach this milestone so quickly. That purchase only brought in £135 in annual dividend income a year. I could have looked at this paltry amount […]


The Average UK Worker Can Retire With a £1 million Pension Pot

Aviva, the insurer and pensions provider, says that millions of people earning less than £27,500 risk facing retirement on a pension far less than £15,000, which is the equivalent of the national living wage today.   And Aviva isn’t the only insurer and pension provider with this damning statistic. A number of pension companies have warned that millions of people are at risk of retiring on incomes far less than the current national living wage. This is a damning statistic. In short Britain appears to have a retirement crises. The destruction of defined benefit pension plans did nothing to help this.   Yet I still think most people can retire with a […]


The Average UK Worker Should Be Able To Save £10,000 A Year

When it comes to our savings, one thing’s clear – 1 in 3 Brits are living dangerously close to the edge. The Money Advice Service recommends keeping three months’ essential outgoings in savings to cover an emergency or unexpected bill. However, just under a third of people in the UK have less than £1,500 in the bank, and 15% of people have no savings at all.   In fact, there is an even more damning statistic. Over half of Brits do not add to their savings on a monthly basis.   Looking at the above, it may seem impossible for many to save £1,000 a year let alone £10,000.   […]


I Am Bonds – Asset Allocation Is Personal

Personal finance is always personal. It’s in the name. Yet many people forget about this. They want quick fixes by trying to use pre set formulas. Yes these can act as guidelines. But there is no substitute for taking into account ones needs and circumstances. Take asset allocation for instance. We all know the rules. Have X amount in stocks. Have X amount in bonds. Have X amount in commodities.   It’s strange that people follow these rules so rigidly and don’t take into account their own personal situations. The only individualistic factor I would say most people take into account is age – the proportion invested in bonds goes […]


Imperial Brands (IMB) Share Purchase – 10% Dividend Yield Covered By Free Cash Flow

Regular readers of this website will know that I am a huge fan of Imperial Brands. So much so that it is the largest stock position in my portfolio at close to 10%. But the price of IMB has been falling of late. This is in contrast to the underlying business performance where revenues, profits and dividends have been increasing! So why have shares in IMB dropped so much. Below are a few of the reasons I think why. 1.Big money is becoming more ethical. By this I mean that the large pension funds, sovereign wealth funds, insurance companies and fund houses do not want to hold sin stocks such […]


What I Have Been Reading – May 2019

Munger Teaching Buffett About Quality  “At Munger’s 90th birthday party, Buffett pulled out an old, yellowed letter that Munger had written back in the day where Munger actually told Buffett explicitly that he had to change — that the cigar-butt stuff wouldn’t scale, that it was better to buy good businesses even if the price wasn’t dirt cheap marketwatch.com   Comparison According to the survey, three in five Americans pay more attention to how their friends spend compared to how they save, with an equal number saying they’re at a loss to understand how their friends are able to afford the expensive vacations and trendy restaurant meals they portray on […]


Tom Gayner (Markel) – 14 Golden Investing Rules

Tom Gayner is co-CEO and chief investment officer at Markel Corporation, a holding company for insurance, reinsurance, and investment operations around the world. The company has often been compared to Berkshire Hathaway in the way it operates. Gayner is an excellent investor and one of the best in the modern era. Just go and look at his performance at Markel for proof of this. Gayner gave a talk at google a couple of year’s back which was a masterclass. That talk had a number of golden nuggets. Here are 14 of them which every investor can learn from. Enjoy! Invest in profitable businesses. Focus on those that have good returns […]