Good to see Games Workshop get a mention on this fantastic channel. I was working for them when they floated and have held shares since then as they had a salary sacrifice scheme for the shares….Up 12000% and yield on investment is about 400%…. Best pension scheme ever 😂
A quick note to say thank you very much for your channel and your content. I am a new investor, on a steep learning curve. Your videos have helped me to get started with dividend investing. The stock market has always mystified me, until I watched your video on earning dividends to pay for your daily cup of tea and so on. It all made sense, the penny dropped and here I am, a first time dividend investor with an ISA investor on T212. I've now watched all the videos on your channel and I look forward to the next one. Thank you so much.
I created a Pie in T212 with SMIF, QYLP, SDIP and XYLP = 48 dividends PA. Thinking of adding in TFIF = 52 dividends PA or one per week on average. It is called 'The Compounder' if anyone wants to copy it.
Haha. You have finally put a word in for GAW, took a while, my biggest position, as soon as it’s announced that Amazon will fund the films I will be out. I have a couple of Vanguard etf’s, BBOX and TRIG, they all pay quarterly and I’m hoping there is a bit of upside in them as well. Good video as always.
JEGP is a good going ETF, good yield and pays monthly. It's new but looks like it's growing it's dividend, which is probably more important. Have a small amount in it but will put alot in at next ISA allowance.
Can you make another video on this analysing SMIF which pays a monthly dividend, 24 monthly fund, it pays monthly and is worth analysing for this purpose etc its called TwentyFour Select Monthly Income Fund Ltd, would love your opinion on it etc
If you ignore the monthly thing. You could use 2 etfs, the great SCHD, and the amazing asx VHY. 3.5% on SCHD and 6% on VHY. Diversifying over the aussie market and the US. With the aussie market being one of the best dividend paying markets.
Stumbled upon your videos by random, very well put together and easy to understand the princples you follow for an ordinary joe! keep it up :) A QUESTION: What platform do you use for all your investments ?
I struggle to like GSK. I end up just leaving Jan payments blank as a result 😆 US monthly payer picks up the slack, Realty Income, and Main Street Capital.
Is the GSK price change an accurate reading considering they separated from Haleon in the time causing the stock to drop in price? Great video as always.
You could be right. Would have had an impact for sure but sometimes the share price graphs are adjusted to take account of this, and sometimes the company changes the number of shares etc to keep the price stable during a split. I can't quite remember what happened apart from receiving some Haleon shares. The dividends did take a hit of course as GSK became a smaller company.
Interesting video as always! I just scanned back and have been getting dividends each month although we have different strategies and some of my payments are from swing trades in companies eg I got 2 quarterly dividends from McDonald's whilst trading them but won't get the next as I sold mid October. It's definitely a romantic idea that would be satisfying to see regular dividends each month but focusing on the quality companies even if they all happen to pay in the same months is surely more important
Thanks. Yes I agree buying quality companies is more important than when they pay their dividends, however I now have around 30 individual companies all paying out at different times of the year so just by probability I'm getting at least some payments each month.
I have never heard about CT UK Class Z, and it sounds a bit scary - "class z". I have a small portion of USA individual real estate companies that pay decent dividends each month to cover gap months. I will add this to the research list. It is weird that nobody spoke about it on TH-cam that much.
@@bartz4439 Tax is not that huge, just 15%. They were my first investments back in the days as when you try to find recommendations on TH-cam - that what comes first. Diversification too...
you are correct. In reality the GSK performance is a little more complicated because of the Haleon issue. I just used the historical charts available but yes if you had owned GSK over the last 5 years you would have to factor in the Haleon shares and dividends you would have received also which I did not include.
UK stock market is seriously underperforming at the moment compared to the American markets. Not good choice and I am thinking of moving everything out now
Yes I own that one myself but I decided to rule out investment trusts and is technically an investment trust. If I had included it I would have to also include many other trusts and funds in the FTSE 250.
I’ve not bought any yet. A few viewers commented that 3i makes around 70% of its revenue from just one company called Action which is a retailer. To have so much dependence on just one source of revenue is a bit of a concern and has raised some doubts for me.
@@TheCompoundingInvestor that was a concern of mine but after researching Action, they are growing and expanding throughout Europe. Just hope 3i diversify a little since their 15% of my portfolio now
I understand you can’t provide financial advice but would it be really risk to invest in companies Like O and AGNC? As if I invested my whole portfolio I would get £15 each month where as I’m getting £7 with my UK portfolio.
I'm not sure about the UK, but in Australia we have a tax deal with the US, and get the 15% back before normal tax happens, so the tax I pay on Aus shares and US shares are the same, minus franking credits. I have O and SCHD, as I have a localised S&P500 etf. There is risk, but ironically it's a great way to lower some risk. You are now not only diversifying across industries, you are also diversifying across currency. In my case if the US market is down and the Aussie market is up, I win, if it's the opposite I win, if both are up I win, only if both are down do I lose.
7% is good but perhaps you are limited to how much you can put in to get this interest rate? and you would probably have to pay tax on any interest above the tax free limit which is £500 for higher rate tax payer and £1000 for lower rate payers. With a stocks and shares ISA dividends are tax free no matter how much you are paid.
According to the government / Bank of England inflation is set to gradually fall towards the 2% target so interest rates will most probably come down. I doubt over the long term that a savings account will beat inflation. You have to take some risk to beat inflation. Total return for U.K. shares over the very long term is around 7% and for the S&P500 it is just over 10%. I know there are periods where bank interest rates are temporarily high but it dosen’t usually last long.
I try to buy the best companies but I've now got around 30 individual UK companies so by sheer number I do get something each month. Jan and July tend to have the fewest companies for me also.
Obviously I can’t give investment advice but the statistics show that investing in a low cost global tracking ETF over the long term has proven to be a good choice for most people intending on beating inflation and building long term wealth.
Can i ask what you think about BATS currently as it has a negative p/e right now as i checked my 212 account today im not entirely sure what this means with a long term view in mind but it has been performing quite well currently up 4.62% in the last month im leaning towards this seeming like the are currently running at a loss but i suppose this could change buy the time Q4 is over please may i ask your thoughts on it if your willing to disclose i own the stock an have been averaging into the position and have the intention to continue to do so i was just wondering if you could give me some insight as to how you observe it if that's possible 🙏🏾🙏🏾🙏🏾
I've owned BATS for around 10 years. Its not done amazingly for me over that time and I'm a bit concerned that its a shrinking industry. They will need to transition into next gen products in order to continue growing. Government policy is also a worry as they continue to be heavily taxed. They are a fairly cash generative business however and a simple business model but who knows how well their transition into smokeless products will perform. There is a lot of uncertainty. I'm not intending to sell but I'm also not intending to buy any more either.
Its a great company and has done very well over the years. 3% dividend but 25% of that would be taken in US witholding tax. Personally i'd prefer to buy the complete S&P500 with an ETF which pays 1.1% dividends so 25% of that will be less taken and therefore more growth potential of the actual capital. Only my preference however and not investment advice.
@@TheCompoundingInvestorI purchased Glaxo Holdings, as it was then, for the princely sum of 6.68 per share in early 1993. Sold after the merger with Wellcome and so was pleased with my overall return. By that time I had discovered Investment Trusts and they have been the foundation of my portfolio ever since.
I doubt over the long term that cash will beat shares or inflation. To beat inflation you have to take a certain amount of risk or your real wealth will be eroded away.
Three reasons I can think of. 1. A lot of them are global companies and are only UK companies in listing only. 2. A lot of these global UK listed companies are so undervalued that when they are bought out or move their listing to the US their share price will rocket. 3. If it is dividends you want, then UK companies are generally a good option and without the worry of currency fluctuation.
How many months in the year do receive dividends?
I'm surprised you don't mention SMIF in this video :)
Every month, best month is August
@@atlasnetwork7855
Will have to have a look at that one
Thanks
I do like this strategy just have never been able to bring myself to invest in a tobacco company.
I'm the same, in my eyes tobacco is a dying industry and making sure I pick companies that will also grow
In this day and age people are very aware of the dangers of smoking.
It’s their choice 😊
@@Exo98761 untill they buy all the Vape brands / chewing tabbacos etc
Don't do it. Check out Legal & General Active Global High Yield for a 7.2% monthly dividend payment. If you want dividends, this one is a winner.
That CT fund was the first fund i ever bought. I was so happy when i received my first equalisation payment from it. All 20p of it!
Good to see Games Workshop get a mention on this fantastic channel. I was working for them when they floated and have held shares since then as they had a salary sacrifice scheme for the shares….Up 12000% and yield on investment is about 400%…. Best pension scheme ever 😂
A truly awesome performance. Excellent!
A quick note to say thank you very much for your channel and your content. I am a new investor, on a steep learning curve. Your videos have helped me to get started with dividend investing. The stock market has always mystified me, until I watched your video on earning dividends to pay for your daily cup of tea and so on. It all made sense, the penny dropped and here I am, a first time dividend investor with an ISA investor on T212. I've now watched all the videos on your channel and I look forward to the next one. Thank you so much.
Thanks so much, that’s very kind. I wish you all the very best on your journey.
Another well researched video,well done Sir!
Thanks so much Richard
I created a Pie in T212 with SMIF, QYLP, SDIP and XYLP = 48 dividends PA. Thinking of adding in TFIF = 52 dividends PA or one per week on average. It is called 'The Compounder' if anyone wants to copy it.
SMIF is ace. No debt, excellent dividend cover (2.06), strong ROCE and an 8.92% yield. What's not to like?
Can you please send me the link for this, I am interested in signing up, I can send you an email and I will sign up etc
Thank you, I have Smif and I have been looking for others also 😘
Haha. You have finally put a word in for GAW, took a while, my biggest position, as soon as it’s announced that Amazon will fund the films I will be out. I have a couple of Vanguard etf’s, BBOX and TRIG, they all pay quarterly and I’m hoping there is a bit of upside in them as well. Good video as always.
Thanks. Yes GAW has really done well over the years. Very underrated.
I love these Sunday updates!!
Thanks for watching
Hi interesting comparison at the end I would have been interested in the beta of the two funds
Halifax lets you buy the Threadneedle fund
Thanks for the info
Very useful information. Thanks for sharing with us.
You are welcome
JEGP is a good going ETF, good yield and pays monthly. It's new but looks like it's growing it's dividend, which is probably more important.
Have a small amount in it but will put alot in at next ISA allowance.
Can you make another video on this analysing SMIF which pays a monthly dividend, 24 monthly fund, it pays monthly and is worth analysing for this purpose etc its called TwentyFour Select Monthly Income Fund Ltd, would love your opinion on it etc
If you ignore the monthly thing.
You could use 2 etfs, the great SCHD, and the amazing asx VHY. 3.5% on SCHD and 6% on VHY. Diversifying over the aussie market and the US. With the aussie market being one of the best dividend paying markets.
Stumbled upon your videos by random, very well put together and easy to understand the princples you follow for an ordinary joe! keep it up :) A QUESTION: What platform do you use for all your investments ?
Thanks. I use Barclays Smart Investor but they are very expensive if I’m honest
I struggle to like GSK. I end up just leaving Jan payments blank as a result 😆 US monthly payer picks up the slack, Realty Income, and Main Street Capital.
Is the GSK price change an accurate reading considering they separated from Haleon in the time causing the stock to drop in price? Great video as always.
You could be right. Would have had an impact for sure but sometimes the share price graphs are adjusted to take account of this, and sometimes the company changes the number of shares etc to keep the price stable during a split. I can't quite remember what happened apart from receiving some Haleon shares. The dividends did take a hit of course as GSK became a smaller company.
Interesting video as always!
I just scanned back and have been getting dividends each month although we have different strategies and some of my payments are from swing trades in companies
eg I got 2 quarterly dividends from McDonald's whilst trading them but won't get the next as I sold mid October.
It's definitely a romantic idea that would be satisfying to see regular dividends each month but focusing on the quality companies even if they all happen to pay in the same months is surely more important
Thanks. Yes I agree buying quality companies is more important than when they pay their dividends, however I now have around 30 individual companies all paying out at different times of the year so just by probability I'm getting at least some payments each month.
The CT UK monthly income fund is available on my Aegon pension plan. I could contribute into it if i wanted too.
Useful to know. Thanks for the info
I have never heard about CT UK Class Z, and it sounds a bit scary - "class z". I have a small portion of USA individual real estate companies that pay decent dividends each month to cover gap months. I will add this to the research list. It is weird that nobody spoke about it on TH-cam that much.
I had never heard of it myself until researching this video to see if monthly dividends in UK companies was actually possible.
and you pay huge witholding tax on income, great investment mate!
@@bartz4439 Tax is not that huge, just 15%. They were my first investments back in the days as when you try to find recommendations on TH-cam - that what comes first. Diversification too...
Hello guys. Which platforms do you use for trading?
HL Global Equity Income Class A - Income (GBP)
GSK spunout Haleon. Did you consider that in the performance?
you are correct. In reality the GSK performance is a little more complicated because of the Haleon issue. I just used the historical charts available but yes if you had owned GSK over the last 5 years you would have to factor in the Haleon shares and dividends you would have received also which I did not include.
Thanks for another update have all those featured but looking to increase my holding in IMB. What’s your take on BCAT as a monthly dividend ?
Not heard of BCAT. Perhaps others on here will comment on it
UK stock market is seriously underperforming at the moment compared to the American markets. Not good choice and I am thinking of moving everything out now
My next video will look at this topic
totally agree all my us holdings are green including the pies but my uk pie is down 5 percent and dropping every day
@@8000audiolabit’s a disaster at the moment. We are missing the US huge growth at the moment
Can you buy the thread needle fund on trading 212
I've tried searching for it on T212 but to no avail. Unfortunately not all platforms offer it.
@@TheCompoundingInvestor thanks I’m really enjoying the content
You are welcome
UKW is a solid quarterly payer, I wonder why it was not considered?
Yes I own that one myself but I decided to rule out investment trusts and is technically an investment trust. If I had included it I would have to also include many other trusts and funds in the FTSE 250.
You mentioned in a previous video buying 3i shares. Have you bought any shares as the ex dividend date is next week?
I’ve not bought any yet. A few viewers commented that 3i makes around 70% of its revenue from just one company called Action which is a retailer. To have so much dependence on just one source of revenue is a bit of a concern and has raised some doubts for me.
@@TheCompoundingInvestor that was a concern of mine but after researching Action, they are growing and expanding throughout Europe. Just hope 3i diversify a little since their 15% of my portfolio now
BCPT is a UK monthly payer. However I think it's in the middle of a possible takeover atm.
I understand you can’t provide financial advice but would it be really risk to invest in companies Like O and AGNC? As if I invested my whole portfolio I would get £15 each month where as I’m getting £7 with my UK portfolio.
agnc has a dividend yield of over 14% this is a red flag in my book
Higher yields often come with more risk.
I'm not sure about the UK, but in Australia we have a tax deal with the US, and get the 15% back before normal tax happens, so the tax I pay on Aus shares and US shares are the same, minus franking credits.
I have O and SCHD, as I have a localised S&P500 etf. There is risk, but ironically it's a great way to lower some risk. You are now not only diversifying across industries, you are also diversifying across currency. In my case if the US market is down and the Aussie market is up, I win, if it's the opposite I win, if both are up I win, only if both are down do I lose.
What am I missing here.? Banks can pay 7% with no risk to capital. £1417 in 5 years.
7% is good but perhaps you are limited to how much you can put in to get this interest rate? and you would probably have to pay tax on any interest above the tax free limit which is £500 for higher rate tax payer and £1000 for lower rate payers. With a stocks and shares ISA dividends are tax free no matter how much you are paid.
@@TheCompoundingInvestor Thanks but what if personal allowance has not been used up yet? And ISA has been maxed out.
According to the government / Bank of England inflation is set to gradually fall towards the 2% target so interest rates will most probably come down. I doubt over the long term that a savings account will beat inflation. You have to take some risk to beat inflation. Total return for U.K. shares over the very long term is around 7% and for the S&P500 it is just over 10%. I know there are periods where bank interest rates are temporarily high but it dosen’t usually last long.
ii investor has CT UK
Useful to know. Thanks for the info
January and July are 0 for me 🙄 do you fill the gaps in for the sake of it or go for the best companies with the best yields.
I try to buy the best companies but I've now got around 30 individual UK companies so by sheer number I do get something each month. Jan and July tend to have the fewest companies for me also.
@TheCompoundingInvestor yes you have a good spread. I am trying to break the mould and stop buying the usual suspects 😄
What's your opinion on people not investing in dividend stocks because it's quicker to accumulate a large sum of money with normal index funds?
Most of my new money these days goes into index funds. I like them a lot. They were not really mainstream when I started 16 years ago however.
@ would you recommend someone to focus on that then, to maximise their accumulatation? Just looking for confirmation bias really
Obviously I can’t give investment advice but the statistics show that investing in a low cost global tracking ETF over the long term has proven to be a good choice for most people intending on beating inflation and building long term wealth.
Can i ask what you think about BATS currently as it has a negative p/e right now as i checked my 212 account today im not entirely sure what this means with a long term view in mind but it has been performing quite well currently up 4.62% in the last month im leaning towards this seeming like the are currently running at a loss but i suppose this could change buy the time Q4 is over please may i ask your thoughts on it if your willing to disclose i own the stock an have been averaging into the position and have the intention to continue to do so i was just wondering if you could give me some insight as to how you observe it if that's possible 🙏🏾🙏🏾🙏🏾
I've owned BATS for around 10 years. Its not done amazingly for me over that time and I'm a bit concerned that its a shrinking industry. They will need to transition into next gen products in order to continue growing. Government policy is also a worry as they continue to be heavily taxed. They are a fairly cash generative business however and a simple business model but who knows how well their transition into smokeless products will perform. There is a lot of uncertainty. I'm not intending to sell but I'm also not intending to buy any more either.
Is it not worth using American dividend stock like Coca Cola or is this not tax efficient
Its a great company and has done very well over the years. 3% dividend but 25% of that would be taken in US witholding tax. Personally i'd prefer to buy the complete S&P500 with an ETF which pays 1.1% dividends so 25% of that will be less taken and therefore more growth potential of the actual capital. Only my preference however and not investment advice.
Thanks
You are welcome
So, there is no Monthly Dividend British Stock.
Not as far as I’m aware with single large cap or mid cap companies
SMIF
ii also has this fund. May have a dabble
you solved investing
Why focus only on UK stocks?
GSK is a disaster zone!
Yeah it’s not been great over the years.
@@TheCompoundingInvestorI purchased Glaxo Holdings, as it was then, for the princely sum of 6.68 per share in early 1993. Sold after the merger with Wellcome and so was pleased with my overall return. By that time I had discovered Investment Trusts and they have been the foundation of my portfolio ever since.
🙏🙏🙏
thanks for watching
Would have got more from savings accounts and cash ISAs in recent years probably.
I doubt over the long term that cash will beat shares or inflation. To beat inflation you have to take a certain amount of risk or your real wealth will be eroded away.
Why invest in UK companies? UK is going to shit. Abandon ship!
The experiment was just to achieve dividends each month from UK companies only, just to see if it could be done with one instrument.
Three reasons I can think of.
1. A lot of them are global companies and are only UK companies in listing only.
2. A lot of these global UK listed companies are so undervalued that when they are bought out or move their listing to the US their share price will rocket.
3. If it is dividends you want, then UK companies are generally a good option and without the worry of currency fluctuation.
@Kalarandir Very good points. Thanks so much for your comment
QYLP
The idea was to get dividends each month from UK companies only with just one share as an experiment to see if it was possible.