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.


My Dividends Are Producing More Dividends – Dividend Reinvestment Compounding returns 5

Dividend reinvesting is one of the most important concepts when it comes to growing your wealth over time. Research has shown time and again that investors who reinvest their dividends tend to outperform those that don’t over time. The outperformance can be huge and could be in the double to triple digits over the long-term! Have a look at this example on Galxosmithkline (GSK) to see how dividend reinvestment would have boosted returns. What is Dividend Reinvestment? In short, dividend re-investment is a strategy that allows investors to own more shares or units in a fund without putting their hand in their pocket for more cash beyond the original investment. […]


4th Quarter Dividend Income + Annual Dividend Summary 2

Another quarter has passed by, and it’s time for me to post the dividends that my ISA portfolio earned in the months of October, November and December. It’s hard to argue about the success of long-term dividend growth investing when you can slowly and surely see dividend income rise over time and get closer to covering your living expenses. I hope these quarterly dividend income reports provide inspiration for any investors out there that are just starting out. It shows that it’s possible to one day pay for monthly expenses with dividends, which would provide an investor opportunities and freedom to pursue other interests than full-time work. In total, I […]


Creightons PLC (LON:CRL) Share Purchase – The Opportunity of Investing Small Caps Stocks

Over the past few weeks, I have been increasingly looking into smaller companies as I believe the valuations on offer in this sector are far more favourable than those of larger companies at present. Most big blue chip companies – the ones I prefer to invest in – have seen their valuation stretched as the big institutional investors continue to pour money into them and have largely shunned small-cap stocks. This has provided an opportunity for small investors like myself to exploit. Below is a bit of a background of this opportunity and why it has come about. Over the past couple of decades, economic expansion as a result of […]


Solid State Share Purchase – Small Cap With Good Growth And Income Prospects

It feels like it’s been a while since my last outright purchase. And there is good reason for this. It is becoming extremely difficult to find value within the big blue chip companies I like to invest in. On the FTSE 350 index, there are not many shares I am willing to buy at current levels as I believe many of them are overpriced. The three companies I believe that are offering decent value at present are GSK, Imperial Brands and Shire but with all my recent monthly purchases, these three stocks are fast becoming full positions – they already account for 17% of my portfolio. (For full disclosure, I […]


November Monthly Stock Purchase – High Yield At A Discount 3

2017 has been the year of growth stocks. November was the perfect epitome of this as the month saw the trend of growth outperforming value in the markets. This has caused many investors to rotate their portfolios and ditch solid cash generators in favour of higher growth companies. Too many investors or should we call them speculators have been pushing growth company valuations to obscene valuations and have left high quality free cash flow producing businesses in the dust. Its almost as if ‘investors’ have forgotten that valuation matters and instead have thrown caution to wind in search of instant wins. This has caused solid dividend payers to go out […]


October Stock Market – Imperial Shire Hikma Buying Value

It seems for most of this year, many investors have waited for a stock market correction in order to be able to buy the dip. But unfortunately no correction has appeared and the global markets are in turbo charge mode hitting record high after record high. As an investor still in the asset accumulation phase of his life cycle record stock price levels are not good for me. I am in need of a correction in order to buy ownership stakes in a great companies at a cheaper price. Nonetheless, as I cannot tell when the next correction will appear, I continue to drip money into the markets by way […]


Third Quarter Dividend Income 1

The months of July, August and September have been good to me. The companies I am an owner in have continued to shower me in cash. In total, I received £578 in dividend income over the past quarter. Considering I only received £195 , this increase of £383 shows that I am headed in the right direction in terms of wanting my passive income cover all my expenses. A good chunk of the increase came from me putting more money into the markets but the amount of organic dividend increases from shares in companies I already owned should not be underestimated. Companies like Unilever, Shire and Ag Barr have risen […]


September Monthly Stock Purchase – Fidessa DMGT Advantages Of Technology Stocks 1

Technology has been the driving force behind the progress made in he 21st century. So in this regard, it is really strange that the London market has barely any world leading technology companies listed on it. And the few that are listed, they are normally undervalued compared to peers worldwide – just look a ARM and Aveva for examples of this and they have duly undergone a takeover and a merger. Fidessa is one of the only truly global technology companies we have left on our main UK market and I believe its valuation at 20x earnings is cheap for a company of its quality. If Fidessa was trading on […]


Naspers and Tencent – A Great Arbitrage Opportunity 3

It is common knowledge that big companies don’t have fast growth. This has become so ingrained in investor minds that many growth investors do not go anywhere near big blue chip companies. But with most theoretical concepts, there is an anomaly to the rule. The anomaly in this case is a $400 billion company growing at 40% a year. The company is Chinese and goes by the name of Tencent. Now I know what you are thinking when you hear where this company is based. But I urge you to read on and understand why I rate Tencent so highly and consider it one of the best companies in the […]


August Monthly Stock Purchase – Imperial Brands, Shire

August has continued to see markets at record highs. Ever since the trump bump of November last year, many investors anticipated a correction – a 10% drop in market prices – to occur but there has been no sign of this yet. It appears as though the market keeps powering upwards regardless of valuation, regulatory and political risks. And this has got me nervous. It has become exceedingly hard to find investments that will produce double digit annualised returns. And it is for this reason the cash portion of my portfolio sits at 30%. It is important to note that cash is not held as a hedge. It is also […]