Reuben
29 posts
Reuben
@ReubenInvests
Investing at 30 y/o from the UK - Index Fund, Fintech, Tech, and High Dividend Yields (Traditional Stocks & ETF). Currently at £25.6k across 3 accounts.
Bergabung Ocak 2026
56 Mengikuti26 Pengikut
What's one stock you've done well on but wish you bought more of?👀
English
My first dividend of 2026, and it’s a big one. 🤭
$PEP - £0.02.🥤
English
“Investing success is less about picking the best stocks and more about sticking to a good system.”
For anyone starting their journey in 2026, here are 10 terms that everyone assumes you already understand but may not know as a beginner.
1) Total Return
What it means: Share price change + dividends combined
Why it matters: A stock that “goes nowhere” on price can still be a great investment if it pays dividends.
2) Dividend Yield
What it means: Annual dividend ÷ current share price
Why it matters: It tells you how much income you get today but not whether it’s safe or growing.
3) Dividend Growth
What it means: How fast a company increases its dividend over time
Why it matters: This protects you from inflation and is the key to long-term income investing.
4) Yield on Cost
What it means: Your current dividend ÷ what you originally paid
Why it matters: This shows how powerful compounding becomes over time.
5) Reinvesting Dividends
What it means: Using dividends to buy more shares automatically
Why it matters: This is the engine behind reaching £1k–£2k/month income.
6) Over-Diversification
What it means: Owning so many stocks that none of them actually matter
Why it matters: 50 tiny positions feel safe, but they slow learning and compounding.
7) Volatility
What it means: How much prices move up and down
Why it matters: Volatility is normal. Income investors care more about dividend stability than daily price moves.
8) Drawdown
What it means: How far an investment falls from its previous high
Why it matters: Every portfolio has drawdowns. Planning for them is what stops panic selling.
9) Rebalancing
What it means: Adjusting positions back to target weights
Why it matters: It controls risk without emotional decisions.
10) Behavioural Risk
What it means: The risk of making bad decisions due to emotion
Why it matters: This is the #1 reason investors underperform.
Hope this helps!
English
@MyLegoBookFund It’ll be from BT Group - estimated at £0.40. Little by little!
English
If you have:
• reliable income
• an emergency fund
• low fixed expenses
You’re in a strong position.
Calculated risks + time + patience
is how normal people build serious wealth.
Avoiding all risk is the real danger.
English
I've always seen this as a mindset thing rather than a which number is bigger on the spreadsheet. If continuing to see that monthly income going up is a motivating factor for you, do the income strategy. If you want more hands off automatically investing in S&P might be the better approach.
Whatever keeps you investing over years is the best strategy for you.
English
Bit of a contrarian take here.
I actually don’t think income investing is right for most people - especially when they’re starting out.
Unless you already have a large portfolio that throws off meaningful monthly income, the cashflow is usually too small to move the needle.
Income looks appealing because you’re “getting paid”.
But early on, growth does the real work.
Build the stack first.
Let it compound.
You can always pivot to income investing later once the capital is big enough for the income to actually matter.
English
