Category Archives : My Journey

This section of the website will aim to depict my journey to Financial Freedom.
Any stocks I buy are not recommendations and you will need to do your own research to ensure that they are right for your own personal circumstance.


How To Create Your Own Universal Basic Income

Universal Basic Income (UBI) seems to be popping up in the news again. It seems that policy makers cannot decide whether the benefits of UBI outweighs the costs. There has been numerous trial UBI projects over the years conducted in countries such as Kenya, India, the United States and Canada but results have so far been inconclusive. In fact, a report by British think-tank the New Economics Foundation (NEF) has found “no evidence that any version of UBI can be affordable, inclusive, sufficient, and sustainable at the same time.” So if you are one of the people sitting around waiting for UBI to be implemented on a large scale, I wouldn’t hold […]


Not All Money Is Made Equal

When I started my career, I was focussed on active income. Income that I had to work day after day for. A pay cheque or a salary so to speak. I only got paid if I put in the effort by going to work day after day. I was pulling in £27,000 a year from my day job. In order to attain this, I worked very hard. I often worked 45+ hours a week and was exhausted by the end of it. Having no time during the week, I did most of my chores and shopping on Saturdays and Sundays were a day to recharge in order to do it […]


April Stock Market Purchase – PZC IMB Victrex

April has brought about the new tax year and with it comes a fresh tax free investment allowance. The temptation would be to buy into the markets with as much cash as I have on hand in order to start benefiting from this allowance immediately. The long held wisdom is to invest at the beginning of the year so that you let compounding get to work immediately and do the heavy lifting for you. By investing at the beginning of the tax year as opposed to the end will leave you with an extra year of returns. After all time in the markets is more important than timing the markets. […]


ISA 2019/2020 – How I Will Be Investing and Plan To Save The Full Amount

It’s the 6th of April! Call me crazy but I look forward to this date every year. Why? Because it is the new tax year. And a new tax year means I get a fresh allowance of £20,000 that I can invest completely tax free in my ISA account. As a finance geek, if this doesn’t get you excited, I don’t know what will. If you are someone like me who wants to achieve financial freedom at a relatively young age, an ISA is the way to go. In essence, an ISA is a legalised tax heaven for the average person like you and me. You are able to earn […]


First Quarter 2019 Dividend Income

It’s dividend income update time. One of my favourite times of the quarter as I get to review my previous three months worth of passive income received from my ISA portfolio. Given my strategy of wanting to acquire enough dividends in order to cover my costs and be able to retire, it is really the dividend payouts that I care about. For each of the companies I invest in, I like to see a steady and growing stream of dividend payouts.
 

My dividends really do provide me with a comfort blanket during times of market turbulence as we have experienced over the last quarter. The market can be irrational at times as it seems to […]


March Stock Market Purchase – XPP ABF

Ahhh Brexit. The dreaded B word. It appears like things are finally starting to progress. To where exactly? Nobody knows. As an investor, your portfolio needs to be positioned to insulate yourself from political and economic uncertainty. By this I mean investing in high quality companies that are swimming in free cash flow and are are well diversified by sector and geography. Yes, the majority of the companies I own are listed on the London Stock Exchange, but by scrutinising their accounts you will see that they produce the vast majority of their revenues outside these shores. On the aggregate, the UK does not account for much of the profits […]


February Stock Market Purchase – Dividend Growth Stocks Outperform

Hartford Funds recently published a piece on the power of dividends. Now there is nothing groundbreaking about this piece. It simply shows what many a research article has shown over the course of history – dividend growth stocks outperform. The main talking point of the article can be found half way down the page. It shows the average annual return for different kinds of stock groups between 1972 and 2017. They are as follows: Dividend Payers and Initiators: 10.07% Dividend Payers: 9.25% No Change in Dividend Policy: 7.47% Dividend Non-Payers: 2.61% Dividend Cutters and Eliminators: -0.35% S&P 500: 7.70% As seen from the above, the key takeaway is that dividend […]


January Stock Market Purchase – Patience and Time In The Market

We are already a month into 2019! Can you believe it? Time seems to be flying by. I don’t even know where the last 30 days have gone. When we left the markets last year, stock prices were falling across the board as recessionary and trade fears kicked in. But much of that has been abated for now. And with the US federal reserve chairman, Jerome Powell, coming out and saying that he won’t raise interest rates as fast as many expect, stock prices began to rally. Whilst the markets have moved up this month, there were still many attractively priced stocks. Not as many as December but there are […]


Quarter 4 & Total 2018 Dividend Income

We are already a week and a bit into 2019! 2018 may seem like old news ,but let’s take a look back how it actually went. Every year the last quarter is traditionally a big one for many dividend investors, and I’m no exception. In the 4th quarter of 2018, I was able to collect £623 in the form of dividends. This was substantially more than the £348 I received in the same period last year. This equates to a growth of 79%. The drivers behind this growth were additional capital investment, dividend increases and dividend reinvestment. A total of 31 companies paid me a dividend this month.  The largest amount […]


December Stock Market Purchase – Inverted Yield Curve and Panic

December has been all about the yield curve. The yield curve is a curve on a graph in which the yield of fixed-interest securities is plotted against the length of time they have to run to maturity. A yield curve is almost always upward sloping, a sign that the economy is functioning properly. In short, you would expect interest rates to be higher the greater the length of time of a security. A 10 year bond should have higher interest rates than a 1 year bond in order to tempt buyers to buy longer dated bonds. The yield curve inverts when long-term debt instruments have a lower yield than short-term debt instruments […]