You want to invest your hard earned in your Snowball, as you know in the long run markets go up but not in a straight line.

You want to sleep soundly in your bed, you also know most stock market returns in the long run are returned dividends.

You are interested in CTY because having done your research you know they have a very long history of gently increasing their dividends and you also know that CTY have reserves to add to their income to maintain their dividend record.

Remember, if you are a long term holder, those reserves have been paid for by you.

That’s the TR chart, which includes earned dividends.

That’s the chart, where you simply do nothing and re-invest the dividends back into the share, until you want to use those dividends to pay your bills.

Using good ole hindsight, 5k invested would know be worth 80k.

The current yield is 3.7% so income of £2,960 a buying yield of around 60%

Some platforms allow you to re-invest, at zero charge.

Nearer to the end of a bull market than the start, now might not be the best time to start a new position. Money market accounts pay a similar yield, so you could accrue some cash and wait for a better entry/yield point.

One obstacle, you may set a target of say 4.5% and CTY gets close to the yield but never trades that low.

One way of trading would be to buy, after a fall, when the price trades back above the cloud, high risk in the current markets.