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.


Two Year Self Invested Stocks ISA Account Performance Review – Still Beating The Market

How time floes. In two weeks time, I will be celebrating my 2nd anniversary of my active stocks and shares ISA portfolio. Over this time, we have had the Greek Crises, the oil crises, the commodities crises, the Chinese crises, rate increases, emerging market slowdowns, Brexit, populism and the trump bump. Yet it still feels like its only yesterday that I took charge of my own money and bought my first stock. With my portfolio and tax year ends quickly approaching, now seems a good time to analyse my performance over this period. I need to know if actively investing by picking my own stocks has been a good choice […]


Burberry (LON:BRBY) Shares Sale : When A Stock Is Overvalued Sell

Having gone years without selling out of a position, it feels odd writing about my second share sale so quick after my first one. Making my second stock sale all the more remarkable is I didn’t think it would be Burberry. Since initiating my position in Burberry back in July 2016, I imagined that I would be holding these shares for years and years – even though I didn’t see it as a legacy position. Whenever I make a stock purchase, the company I am investing in either has to be a serial compounder of wealth or it is fundamentally undervalued. The biggest opportunities for large returns are by buying […]


February Stock Purchase – GSK, Experian, Sage, Shire, Fundsmith, Free Cash Flow

The big news over the last month was Kraft-Heinz failed takeover bid of Unilever. I remember Krafts initial approach and its subsequent quick abandonment vividly. On 17 February when the approach made by kraft was leaked to the media, I remember thinking that I hope management does not engage with Kraft at any level. Thankfully, that is what happened and the news of the deserted takeover on 19the February was music to my ears. When it comes to investing, I do not look for quick gains. I don’t want to sell the wonderful companies I own for a quick buck. I don’t want to sell the golden goose for an […]


Merchants Investment Trust – When Reasons For Owning A Stock Change Time To Sell 2

My very first stock sale. It feels really weird considering I made my first stock purchase in 2015. I’m glad to say I have remained inactive over the past 2 years amidst all the investing volatility. But alas I had to act. Just because i am a buy and hold investor doesn’t mean i should sit on my hands when my investment thesis changes. I sold my shares in Merchants for a profit of just over 6%. As I have only held the stock for 4 months, the annualised return for my purchase is 18%. Not bad id I say so myself. To put it simply, I sold Merchants Trust […]


I Bought More BT Shares – Averaging Down On Your Existing Stock Position 1

BT threw investors a curveball this past month by stating that its Italian business is facing an accounting scandal which has caused the company to write off £530million. Whilst the headlines around the company were focusses around the Italian scandal, BT also reported a deterioration in the outlook for UK public sector and international corporate markets. This has sent shares crashing from 380p to 300p; a drop of over 20%. Readers of this website will know that I first initiated a position in BT in the summer of 2016 for a price of 397p. I subsequently topped up my stake through my monthly stock programme which brought my overall holding […]


January Stock Purchase – Buying Stocks When Markets Are High

It seems that my monthly stock purchase posts are becoming a little too predictable. I tend to always start by saying that the market seems overvalued right now. The reason is because I really believe it is so. Having said this, I need to constantly remind myself that just because the market is high does not necessarily mean that I should stop investing. I need to remind myself that I am not investing in the market, but rather in individuals businesses. Making money in inflated markets The S&P 500’s “CAPE” ratio (a stock valuation measure designed to smooth out earnings volatility) has only been this high or higher three times […]


I made £1500 in Passive Income last year – This is how I did it 2

One of my new years resolutions for 2016 was to build a stream of Passive Income. Unlike most resolutions which are easily forgotten once the first week of January comes to an end, this was one I was determined to follow on. I needed to stop being broke and start being flush with cash. I knew that I had to buy more money. The reasons for wanting to get started on the passive income journey are simple. I wanted to earn continuous streams of money without having to do any work. I wanted to earn money whilst I slept, ate, socialised and played football. I wanted my bank account to […]


Estee Lauder (EL) Share Purchase – Wonderful Companies Deserve High Valuation Multiples

Those familiar with my investment approach know that one of my key philosophies is to buy shares trading at a Price to Earnings ratio of under 20. Simply put, I do not like to overpay for stocks. It may thus come as a surprise that I purchased shares in the Estee Lauder company (NYSE:EL) whose shares trade at a P/E ratio of 24. No, I have not lost my mind! Neither have I thrown my investment thesis out f the window. Rather, I have bought shares in Estee Lauder due to its high returns on equity (ROE). To understand the concept of Return on Equity, have a look at the […]


To Be a Successful Stock Market Investor Think Like a Business Owner

Modern day stock picking is akin to gambling money in a casino, you place money on a particular ticker symbol and hope that it goes up. How many times have you read an article on that ‘one magic stock’ or seen people speculate on a single stock based on an online forum. The majority of people think that the stock market is a route to overnight millionaire status. The mass media has led people to believe this as they selectively run stories on people who have become millionaires overnight based on a single stock pick whilst sunning the countless others who have lost it all by placing everything, including their […]


Imperial Brands (IMB) Stock Purchase – The Value of Sin Stocks 1

The value of owning sin stocks cannot be denied – research has shown that investing in sin stocks generate higher returns. From 1900 through 2012, tobacco stocks delivered annual returns of 19.7%. From the end of WWII through 2012, alcohol stocks delivered returns of 11.5%. Since the creation of The Standard Oil Trust in 1882, the average integrated oil company has delivered 12% annual returns. If you remove tobacco, alcohol, and energy from the U.S. stock market from 1926 through 2012, those 10% annual average returns that you hear about become 7% annual returns instead. Over a half-century long investing life, the difference between 7% and 10% is the difference […]