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Warren Buffett, the Oracle of Omaha is a name synonymous with success, wisdom, and wealth in the world of investment.
Buffett has shared his advice with fellow investors. But there’s one lesson that should stand above the rest for the young cohort. That’s the power of time.
That because, while it’s true that Buffett made a significant portion of his wealth after the age of 50, this was largely due to the miraculous effects of compounding.
The power of time
The hallmark of Buffett’s success is undoubtedly the magical concept of compounding. This phenomenon, which he refers to as the “eighth wonder of the world,” is responsible for the substantial growth of his wealth.
Compounding accelerates the growth of investments over time, and the sooner one starts, the more powerful the effect.
It essentially works because, by reinvesting our returns year after year, we start to earn interest on our interest as well as our starting capital.
For anyone in their twenties, it’s a huge opportunity, even starting with a small sum.
Compounding takes time to work its magic, making the early years of investment crucial for long-term wealth accumulation.
Long-term outlook
Buffett’s long-term outlook syncs perfectly with the principles of compound returns, allowing him to reinvest returns in his carefully selected long-term investments year after year.
Moreover, his commitment to long-termism enables him to ride out market volatility, avoid emotional decisions, and focus on the enduring value of his investments.
Bringing it all together
What does investing for the long run and leveraging time look like for young investors. Well, let’s imagine I’m starting a portfolio at the age of 20, and I have no starting capital.
And because I have no starting capital, I’m going to commit to contributing £200 a month, and I’m going to increase that contribution by 5% annually — broadly in line current inflation.
The thing is, at 20 I’ve got a long investment horizon, and theoretically, I could be working for the next 50 years.
So, taking into account the aforementioned, and using a 8% annualised return as an example, here’s what I’d potentially have at the end of it — £3.2m.
If u had bought when they were issued at 100p and re-invested the dividends your10k would be worth around 14k.
Better than losing money but not a great result because of the discount to NAV.
U would have had a chance to take out your stake in 2022, one word on vanity.
If u waited to take out your stake when the share price doubled, vanity has cost u some cash. Always better to trade the area and not strictly the line.
The dividend yield on issue price was 5% and is now 9%.
Current yield 10% discount to NAV 29%
Dividend fcast is to gently increase so a strong hold, unless the stats change.
The Company also expects in the coming weeks to issue a further circular providing details of the expected initial capital return, which is proposed to be carried out by way of an issue and redemption of bonus shares to all shareholders (the “B Share Scheme“), including a summary of the UK taxation consequences for shareholders. The circular will convene a general meeting to seek the further shareholder approvals required to be granted for the implementation of the B Share Scheme. Subject to these further shareholder approvals being granted and the required Court approvals being received, it is expected that the initial return of capital will be implemented around the end of June 2024.
Many people dream of building substantial wealth over the long term. From paying school fees to buying a dream home, it could help.
Why I’d snap up bargain UK shares to try and build wealth
Many people dream of building substantial wealth over the long term. From paying school fees to buying a dream home, it could help!
But finding a way to make that aspiration come true can be challenging. I think buying bargain UK shares could potentially be what I am looking for.
How shares can build wealth. There are two key ways in which owning shares could help me build wealth. One is an increase in the share price and the other is receiving dividends.
Neither is guaranteed though. Indeed, the share price may fall. So selecting the right shares is critical to long-term success in investing.
Finding the right shares to buy So how would I try to do that? If I was to summarise in a single word the thing I would most look for when hunting for UK shares to buy for my ISA, it would be value. Value does not necessarily mean a low share price, though it can. Rather, it means paying less for something than it is worth.
Ideally, I would be paying substantially less than it is worth, as that would increase what Warren Buffett refers to as a margin of safety.
But when looking for value, I would also be keeping an eye out for enduring quality. So my focus would be on finding companies with a competitive advantage (or multiple advantages) within an industry I expect to have strong customer demand for the long term.
One share I’m eyeing As an example, consider Unilever (LSE: ULVR). The company’s focus on everyday products like bleach and washing up liquid means that its potential market is huge and likely to remain that way. Indeed, every day, several billion consumers use a Unilever product.
By building a portfolio of premium brands like Cif, the company is able to differentiate its offer from rivals and so charge a price premium. That means the company is able to earn sizeable profits that can be used to fund its quarterly dividend.
Despite that, this UK share has fallen 8% over the past five years.
I do see risks, such as inflation pushing up the cost of everything from chemical ingredients to packaging materials. That could hurt the company’s profit margins.
Over the long run though, I think Unilever is the sort of UK share that might help me build wealth, through a combination of potential price gain and also dividends.
Bargain-hunting But while I am eyeing Unilever, for now at least I do not own it. Its price-to-earnings ratio of 19 strikes me as reasonable, but not exactly a bargain.
Like Buffett, rather than investing in lots of companies I think look somewhat attractively priced, I would ideally prefer to wait for what I see as screaming bargains to come along.
Real Estate Credit Investments Limited (the “Company”), a non-cellular company incorporated in Guernsey, is pleased to announce that its Investment Manager’s monthly Fact Sheet as at 30 April 2024 is now available on the Company’s website at:
How I’d turn £100 a month into a lifetime of passive income Story by Charlie Keough
Building streams of passive income is a goal for many and making extra funds outside of my main source of income will provide me with an extra layer of financial security.
I don’t need an abundance of money to start doing this. With just £100 a month, here’s what I’d do
Choosing the best
I’d put my money to work in the stock market. Some savings accounts may offer relatively attractive returns at the moment. However, with my money sitting in the bank, I’m missing out on the growth opportunities that the market provides.
More specifically, I think the FTSE 100 is a strong entry point. Many of its constituents are household names whose products are used every day. And as Warren Buffett says, it’s best to invest in companies we understand.
On top of that, the Footsie provides some of the best passive income opportunities. After all, its average dividend yield is around 4%. For comparison, the S&P 500’s is under half of that.
Within the index, I’d look for companies that have a track record of providing stable growth. While past performance is no indication of future returns, this will offer me greater confidence that the companies I invest in will be able to withstand any economic downturn, such as what we are seeing right now.
I must also do my due diligence. For example, I’d be looking at the financial health of companies, more specifically their balance sheets. A firm with high levels of debt may be at risk should it come under financial pressure. What’s more, with interest rates amplified, and predictions the UK base rate won’t decrease to 2%-3% until the tail end of next year, debt will be more expensive to finance.
I’d also look for businesses that have a history of returning value to shareholders, such as Dividend Aristocrats. These are companies that have paid and increased payouts to shareholders for a prolonged period.
How much can I make?
£100 a month is equivalent to £25 a week. And by cutting back my spending, for example, by a coffee every day, I could more than easily afford this.
With an average annual return of 8%, £100 a month after 30 years would equate to a portfolio worth around £125,000. At a 4% dividend rate, I’d be earning just over £9,500 a year in passive income by year 30.
Of course, I’m aware these returns aren’t guaranteed. The stock market is volatile and historical performance may not repeat itself. Nevertheless, nearly 10 grand a year in passive income is not to be sniffed at, even with the impact of inflation. And this additional money could pave the way to a more comfortable retirement.
The post How I’d turn £100 a month into a lifetime of passive income appeared first on The Motley Fool UK.
U decided u wanted to buy a Dividend Hero Trust and u would have bought the yield as without good ole hindsight u wouldn’t know if the price was going to keep falling after u bought.
A belt and braces buy, the yield plus a better than average chance of making a capital gain. Of course it’s doubtful u would have a lump sum of money waiting to be invested, unless u had a stop gain policy.
By sitting u have doubled your money and now have multi options to continue to grow your Snowball. The current yield is 4.85%, so u could take out your stake or sell all. I’m not authorised to give buy or sell advice, so different strokes for different folks.
Let’s assume u invested 10k and simply re-invested the earned dividends, your shares are now worth £23,800.00.
U could re-invest 10k into a near year government gilt, which should provide income and be near the value u paid if/when the next market crash occurs. The other £13,800 could be re-invested in a Trust yielding 9%, there are better yields on offer but a higher yield is accompanied by a higher risk. As this is now all profit u may want to take on more risk, especially if u are still in the early accumulation phase. This would give u a blended yield of 7% and a cash sum to invest if/when Mr. Market gives u the opportunity. The yield on your initial investment is now 16.66%, so your Snowball should start to grow quicker.
Or u could re-invest in 2 new Trusts with a blended yield of 8%, income of £1,904, a yield of 19%, on your initial investment.
Although history doesn’t always repeat, it often rhymes, everything crossed for the next market crash.
