The de-accumulation chart shows the dividends earned but not re-invested.

The accumulation chart shows the dividends earned and re-invested.

You have stuck to your plan and re-invested your dividends in MRCH, thru thick and thin and there has been plenty of thin. But u know that in a falling market u get more shares for your money.

If u had invested 25k u would be near to having shares worth 100k, by sitting, you would need to have been comfortable that the dividends were repeatable.

If u now want to start spending some of your profits, (de-accumulation), u could sell some of your shares as the current yield is 4.91% and re-invest in a higher yielder and then hope to do it all again with the remaining shares.

Or simply sell part of your holding and spend some of your profits. GL