One problem with Compound Interest it takes time to make noticeable growth.

An good example would be the thread Snowball, where if you could double your income stream in seven years instead of ten, you could start to re-invest

7 years 14k

14 years 28k

21 years 56k

yep, an interest rate of 56% on seed capital, no guarantees though.

As your intention is to live off the dividend stream when you retire, you would have no inclination to kill the Golden Goose that lays the Golden Eggs so you would have no interest in the value of your portfolio in 21 years time.

If you had 100k of your hard earned you might not wish to take the risk of a strategy new to you. Those who have a modest amount to invest but can add new funds on a regular basis may be more willing to take the chance. If you are still undecided look at the compound growth of house prices.

Using data from Nationwide Building Society, the average UK house price has risen from £1,884 in1953 to a staggering £270,867 in the 1st quarter of 2025.