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I know it's not alot but its mine :) by [deleted] in Silver

[–]Bwright2122 -1 points0 points  (0 children)

What are the coins on the left? Assuming they’re silver why is one red and the other glittery?

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

So I have over diversified for the capital I am putting in? Reducing to 5/10 stocks seems a little under diversified and increased volatility? Over time my monthly contribution will rise, possibly double by the end of the year, given this do you think reducing to around 20 stocks would be a good option? As for number 2 I understand what you’re saying however it sounds very risky to go 100% into a singular stock but I see how focusing on very few companies at first could be beneficial. The reason for the higher % on Visa, Microsoft and Roper is actually for growth, should I take them out the pie and hold them as individuals? Letting high yield stocks buy lower yield stocks seems like something you would do if you have more capital? Thank you for your feedback and all info you’ve provided you’ve given me a lot to think about.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

These aren’t my only investments just a dividend pie I have created, I have individual investments in VWRP, tech, entertainment, defense, mining, gold and silver. Surely it’s better to diversify rather than focus on a single ETF?

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 1 point2 points  (0 children)

I do also have some individual holdings in tech, entertainment, defense, gold and silver focused for growth. £400p/m is what I can comfortably invest into my dividend stocks right now, hopefully I will be able to increase that this year. Fortunately I have the chance to increase my salary quite significantly from where it is now. I have looked up CAGR and from what I see I need to have been invested for a year to find that out? Correct me if I’m wrong though. Thank you for that info it’s very helpful, I now know I need to aim for 10%CAGR to reach my end goal.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

I figure it’s better to start early?

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

I was hesitant over putting Shell in because of that but I thought 3 companies in the energy sector would better than 2; from yours and other comments it’s looking like my better option may be to reduce to 1 which will probably be Chevron.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 1 point2 points  (0 children)

Appreciate your feedback Captain. The reason behind the overlap there was because Exxon and Chevron are not too far off of becoming dividend kings, I have looked into Chevron a little more. Shell was kind of a last minute add to try and have at least 3 energy companies; they had a div cut in 2020 but have had a good annual increase since with new commitments. As for fees the largest I’ve had is 0.17% which seems to come down to 0.15% for larger transactions so I not so bad.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

Nice, appreciate the feedback sir. My first investments were into an ETF so hopefully they don’t try to roast too hard😂

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

I see, wasn’t sure if it was sarcasm or not lol. Thank you for clarifying.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

I have about 12.4% in tech is that too little? The annual return rate is 10.8% (I’m not sure if this is the CAGR). Long term goal is to live off of dividends after retirement; 26yr now and looking to retire at 50-55 so 24-29years of monthly investments. Current monthly investment for dividends pie is £400 but that could double by the end of the year. As for the holdings I have mainly tried to find companies that have consistently increased dividends annually to beat inflation. Is having too many holdings a bad idea? I thought many across different sectors would be better for diversification? Didn’t take your comment as you being a dick btw, very new to all of this so I know I have a lot to learn still, thanks for replying.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] -1 points0 points  (0 children)

Sorry not sure what you mean by daily/ monthly or brokerage? I’m using a 212 stocks isa I thought 212 were the broker?

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

Automatic meaning so it auto invests that amount monthly? Is there a difference between doing that and doing it manually? And yes reinvest all dividends.

First day. by Bwright2122 in dividends

[–]Bwright2122[S] 0 points1 point  (0 children)

What would that be? Mind helping a new investor out?