About Me

I am in my mid-twenties and I currently live and work in London. I grew up in a middle class household, and while I never lacked anything, for the majority of my life I always got this notion from everyone that a very easy route to happiness is being rich, and let's face it, if you just think about it quickly, it definitely doesn't look untrue! Actually the first thing that comes to mind to the majority of people is: "That would be Great! I would be able to leave the daily grind that is work life, and finally dedicate myself to my interests/hobbies/family/dog/traveling".

I have just started working roughly a year ago, and let me tell you, I work in IT and I genuinely love my job, I am also handsomely rewarded for it (for someone my age), but, despite all of this, I found myself having the exact same thoughts that everyone seems to have about being rich: "It would be really great to have enough money so that I could stop stressing if I am taking the right career steps" or "I wish I didn't have to go to work tomorrow so early in the morning so I could go to the gym without having to wake up so ridiculously early", or even "I wish I didn't have to commute today in a tube so overcrowded that my face will be resting in some unsanitary random person's armpit".

However, I realized something.. Looking at those "wishes" I realized that I didn't want to be rich. Instead, I realized that I wanted to have control over my life, specifically control on how I choose to spend my time. I know that it sounds obvious, but because being rich is such a romanticized way of having control of your life, I believe we end up getting it imprinted in our collective conscious as the solution to our problems.

The reason why this realization was important for me, was because it helped me realize why I didn't feel that I was going in the right direction even if my career was progressing well and fast. I used to think that with dedication and time, I would move to executive job roles and thus I could earn enough to be "rich". However, picturing myself in such a position and imagining the money in my account wasn't bringing any joy or sense of achievement. In fact I just felt like I was grinding for nothing, because in the end I would just have more responsibility meaning that even though I would be rich, I would still not be in control of my life. Of course I could just try to reach such a position and leave after 1 year to "cash-out", but that would require many years of relentless dedication and some luck, and I particularly don't like to rely on luck. I understand that luck is necessary in all our endeavours, but in my opinion, the less you have to rely on luck to be successful the better.

Having finally figured out what I wanted, the obvious answer for this was investing my money. I live quite frugally and am pretty happy like this. In a way, it's just the way I am. Luckily the things I like the most are either free or very cheap, so despite how incredibly expensive London is, I have a small chunk of disposable income that I intend to invest every year.

I went on looking for investment techniques and approaches. For a long time I thought that the stock market was akin to betting on race horses. Yes, I was aware that stocks represented ownership in a company, but in my head people that actually owned companies took a chunk of the profits as income representing their business gain. When you owned a stock, you barely had any decision power, you didn't get any money, apart from some random occurring "dividends" which were very very low amounts and you depended on other people's perceived value of the company to make money.

As I learned in more detail how stocks and dividends work I immediately got fascinated by dividend investment, I realized that they truly make you an owner in the company, and, not only are dividends not that low, they are regular, fairly predictable for mature companies, and have a tendency to increase at a rate that beats inflation! It just resonated with me instantly, it was in fact a simple model: You buy ownership in a company and you have a proportional right to a % of it's profits, the stock market is literally just "a market" where ownership in companies is sold. Like a market that sells anything, your job is to look at the products and prices and think "Am I willing to pay this amount for what I will get in return?", in fact if you were at a market and were surrounded by people screaming: "Buy, It's cheap! A once in a lifetime opportunity!" or "Don't buy that one, buy this one instead!". Should you really let the screaming completely drive your decisions? That's what I see the stock market price fluctuations as: noise.

Now that I had understood what possibilities I had even on a fairly modest middle class salary, I decided to define my goals and go for it! By gradually increasing my ownership is several companies and gaining increasing chunks of their profits, I expect to reach a point where I can have a predictable income stream to ensure that if at some point in my life I decide so, I can survive without having to sell my time to someone else for as long as I want.

So, for the sake of fighting survivorship bias and because it is a good opportunity to invite feedback that I can learn from, I will share my journey as I go along. Thank you for reading all of this and I encourage you to take this journey with me and to share your opinions and thoughts.

Let's go!


  1. Hi Dividend Venture,

    It's great to see a fellow Brit at the start of a DGI journey. I just wanted to wish you luck on your journey to financial freedom. I've read through your blog, and to echo what others have said, I think its such an advantage to invest in you mid twenties. I'm 31, and I am to be done by 40, but having an extra 6 years would have been fantastic. Time is your best friend when you pick the right stock (Unilever is a great example). You benefit from consistent dividend growth and payments, and before you know it it's snowballed into something BIG.
    I'm new to dividend investing and Blogging, so I'm interested in seeing your progress. All the very best with it all!



    1. Hey Huw Davies,

      Nice to see more people from the UK going on this journey! Thank you for your encouragement, while I am starting early, I'm investing small amounts for now, but I definitely hoping to see the power of compounding lending me a hand.

      Congratulations on your blog, I will definitely follow you as I see you make many posts based on UK stocks, very interesting for me.

      I wish you the best of luck,

  2. Hey DV,

    Really enjoying the blog. I am a 24 year old guy in the US and just starting on my DGI journey. I stumbled upon your blog through Dividend Mantra's page. Your stock picks thus far are surely going to be paying out in spades for years to come! I look forward to following your blog, and watching as your portfolio increases. Best Wishes.


    1. Hi Josh,

      Thank you very much for the support!

      Most of the people our age don't seem to have any interest in investing except for a few who are mostly focused on trading. It's nice to see people of my age considering DGI, I'm glad that you like he companies I have been picking and I hope some of the ideas are useful for you when considering your own investments!

      Best Wishes,

  3. Hey just stumble upon your blog today. Seem like we share the same goals of trying to build up our dividend portfolio. I been mostly investing in index funds but decided that I would also like some passive income with dividend. I like some diversification, so I am in my early phase of building up my dividend portfolio. Hope to see you at the finish line in the future and I will continue to follow your journey.

    1. Hey J,

      Glad to have you on-board of this journey. Index funds are great as well, I would even go as far as saying that the effort/reward is higher than with dividend investments. But dividend investment gives higher income and in my case, more satisfaction, as I really enjoy scouting and analyzing companies.


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  5. I clicked on your blog from following Dividend Mantra for years. Like you, I am in my twenties (27) and started dividend investing a few years back. It has been a wonderful ride so far and I'm excited for the future. You've got a great story here and a great blog as well. I enjoy reading blogs when people are around my same age with the same type of goals. I have started a blog myself and will add you to my blogroll so I can follow you into the future. Good luck in 2015!


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  7. Hey Dividend Venture!
    I read your entire blog and I love your story. Go out and get your dreams. "Being rich" can be defined differently. And I think, you have chosen for yourself the best definition.
    Best wishes