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.


PepsiCo Share Purchase– Big brands Are Still In Fashion

The current market environment has taken me by surprise. At the beginning of the year, if you had told me that the consumer staple stocks sector would fall by 20%, I would simply have laughed at you. But this is the position we find ourselves in today. After years of ‘dull’ and ‘boring’ companies being in fashion, it appears that the trend has turned. It seems that investors are no longer willing to bid up prices of stable companies when they can achieve a decent 3% risk free income via treasure bonds. As a result, many companies with strong franchises and stable performances are reaching fair value. RB, British American […]


April Stock Purchase – Sage Experian RelX Benefits Of Scalable Businesses With Economic Moats

In a recent article, I wrote that the stock market has become fickle. There are too many traders as opposed to investors. There are too many people that sell on news not pertinent to a company’s financial health. April was the perfect characterisation of this. Just look at the share price fall in Sag. Just look at the volatility of Facebook shares. Talking of the latter I can’t believe people actually sold their shares in Facebook in the $150s. The Cambridge Analytica scandal caused shares FB to plunge 15% from their February highs – resulting in the company losing roughly $100 billion in market value in the process. This plunge left […]


BAT Stock Purchase – Why Sin Stocks Outperform The Markets Over The Long Term


Sin stocks are profitable for investors. There is no two ways about it. Whether you are talking tobacco, alcohol, sugar, gambling or defence, all these categories have comfortably outperformed markets over the long term. Just look at the most profitable stock over the past 50 years, Phillip Morris, a Tobacco stock. The top 3 sectors over the past 82 years were cigarettes at 8.34% real annualised return, beer at 7.51%, and oil at 6.84%. Investors in “ethical” funds that avoid these sectors are virtually guaranteeing drastic underperformance. It is no surprise to see Tobacco topping the list. I have already written about the fantastic economics around cigarette manufactures so I […]


A Second And Third Takeover Bid For Fidessa Finally Sees It Leave My Portfolio – 2 Alternative Companies

I recently wrote a piece on Fidessa saying that I was not happy the company has been approached for a takeover. In the piece I mentioned that Fidessas earnings are currently suppressed meaning that the takeover bid was too low for my liking. Furthermore, I mentioned that Elliot was building a stake meaning the activist investor would certainly push the Fidessa board to negotiate a higher takeover price. This finally seems to have played out as Fidessa received two new bids with the higher one worth £37.50. This lead to the share price jumping to £41 – above the highest takeover approach price – due to speculation of a biding […]


ISA 2018/2019 – Strategy, Saving The Full Amount and The End Game

It’s the 6th of April which means only one thing, the beginning of the new tax year. This makes me excited as it means that I now get another £20,000 to add to my stocks and shares ISA. And if you are not excited about this it’s because you do not fully understand the concept and the great benefits that an ISA possesses. 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 dividends […]


January February March Dividend Income

The first quarter of 2018 has absolutely flown by. It doesn’t feel that long ago that I was ringing in the new year in style but it’s been three months already. And with the end of the first quarter of 2018, it’s dividend income update time. This is one of my favourite times of the quarter as I get to review my previous three months worth of passive income from my dividend income portfolio. Without repeating the wild ride we experienced in the market last quarter, I could find comfort in one thing, my dividends. As we all know, the market may move up and down irrationally and seemingly on […]


March Monthly Stock Purchase – Perseverance and Temperament are Key To Investing Successfully

2018 has so far been a dreadful year for the UK market with prices dropping 7.2% year to date. This UK has been the worst performing developed market in 2018. Whist they have been several profit warnings for London listed companies, part of the fall in UK shares has been due to a market de-rating. Many companies in the UK market are trading at discounts when compared to global peers of similar quality. Just look at Royal Dutch Shell trading at a discount to Exxon Mobil, BAT trading at a discount to Altria and RB trading at a discount to Church and Dwight. This is why it is an important […]


February Stock Purchases – Be Cheerful Of Falling Stock Prices 2

February has seen shares in London listed companies finally experience some volatility and drop a notch. There was a combination of reasons for this; weakness in US shares, the rising value of the pound and the fear that interest rates may be increased faster than expected. This latter point is the most pronounced with the result being that solid defensive companies have seen their share prices drop more than the wider market. As someone still in the wealth accumulation stage of their life, I cherish lower stock prices as it gives me the opportunity to buy the stocks I like on the cheap. The only people who should wish for […]







RWS Holdings PLC Stock Purchase – Buy Quality Companies During Market Selloffs 1

What just happened this past week? After a year and a half of smooth sailing, volatility reeked havoc in the stock market this past week which resulted in huge fluctuation in stock prices. For investors with cash on the sidelines, it provided a good opportunity to ‘buy the dip’ and buy certain shares at 10 – 15 % off. I do admit that I was a little slow in reacting to the initial sell-off as there were a number of shares offering attractive valuations. But thankfully I was able to pull the trigger and buy myself shares in a company I have been following for a long time now – […]


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. […]