Update – 7/28/2022

Dear Readers,

I hope you are all doing well, staying safe and healthy and making progress on your individual journeys towards financial independence. As I write this, we are in the midst of a hectic earnings season. We are seeing record high inflation numbers and this is having a telling effect on the earnings reports from several companies, many of whom have slashed their forward guidance.

I am yet to fully digest the quarterly earnings report from several of these companies as work has been very busy as well. But I do plan to do so in my free time over the next few weeks.

In order to keep myself occupied, I am reading an investment classic and I should be posting a book review for this shortly. Stay tuned for that.

One thought that was circling in my head is that THIS is a fantastic opportunity to learn as an investor as we have all kinds of trends influencing the macro economic environment: War situation in Eastern Europe, Record high inflation, Pandemic that does not seem to be going away anytime soon and also supply-chain issues a result of one or more of these earlier reasons. Let me state that everyone appears to be a “genius” in bull-market situations, but real learnings are when you get to invest in a bear market scenario.

I wish you all the very best! See you in the next post.

Update – 5/1/2022

Dear Readers,

This is intended to be a brief post. Blog updates have been slow over the last few weeks. This is owing to two major reasons. Firstly, I recently switched jobs and, in general, the initial few days/weeks at the new job are rough, as one begins to ramp up and get up-to-speed. Secondly, one of my family members based outside the country landed up in the hospital again due to a recurrence of an issue with the surgery that had happened earlier in the year. This is terrible news to receive at any time, but it is especially hard when you have just switched jobs.

As a result, this last month has been mentally and emotionally draining for myself and my family. We were seriously contemplating if we would need to travel out of the country on an urgent basis. This was especially challenging considering our employment benefits (primarily health insurance) per the new employer’s plan were yet to kick in and travelling during this time could be tricky.

While life was happening, I obviously had to ignore my portfolio and the world of investing in general.

Things have thankfully started coming back to normalcy again and the family member is out of danger (touch wood). I finally had a chance to look at my portfolio and saw all the red, which made me….. well…excited. 🙂 Why? Because this means potential buying opportunities. April was expected to be a slow month for me as far as earned dividend income. I will cover more of this in a monthly income update post that should be up very shortly.

As I write this, earnings season is on us, so I will be using my free time in the next few weeks digesting the data in these 10-Qs especially for companies that are on my “need to analyze further” list.

I sincerely hope that all of you guys reading this post are doing well, staying safe and healthy and making good progress in your own journeys towards financial independence.

See y’all in the next post!

The Savings Rate – Revisited

My dear loyal readers,

I sincerely value your readership and appreciate your patience over the last few weeks in sticking with my blog updates. I am hoping that I have not lost you. Life has been crazy busy over the last several weeks. As I stated in my previous post, I am going through an fairly significant change in my professional life which has been consuming a lot of my free time. I would finally like to talk about this in this post.

Before getting started, I wanted to take you back to the topic of “Savings Rate” which I have also talked about previously on this blog.

A simple equation to look at your savings is as follows:

Savings = Income Generated – Expenses

Our objective is to improve the savings rate to the best extent possible, because higher the savings, the more capital we have to invest into our own future. For dividend growth investing to work as a strategy, it is important to ensure that we are investing as much capital as we possibly can atleast during the accumulation phase of our investing journey.

None of this should be overly controversial as the subject of improving the savings rate is pretty critical to the success of ANY investing strategy, let alone dividend growth investing.

The part of the equation that does not get as much attention as it should is the “Increasing Income” part. Since we are so hyper-focused on the “reducing expenses” part of the equation, we generally ignore the aspect of getting better at our day jobs and “coast” through it. Some of this is due to the relative comfort of our job, we understand it pretty well, why push ourselves in the quest for something better? Is it really worth it?

In my case, I saw a couple of interesting dynamics that prompted me to seriously ponder over this question. The rising inflation was one of these factors. At the time of writing this, we are seeing record-high levels of inflation and it is unclear how long this situation will last. The other dynamic was a question about my employer’s profitability in the years to come. As an investor, I am now used to reading through financial statements and questioning aspects of the businesses that I am invested in. I used some of these learnings to study the financial statements of my own employer. The exercise revealed some interesting insights. I was able to make reasonable approximations about the company’s long-term profitability and make reasonable guesses about how long it would take me to reach my financial goals if I would stick with this employer. It also dawned on me that while things are great with my employer at present, there is only so much I could do to boost my pay beyond a certain level. Ultimately, this exercise prompted me to start considering other options.

Interviewing in my area of expertise (i.e. tech sector) is incredibly hard and requires months of arduous preparation. This is because the interview process itself is fundamentally broken thanks to the FAANG (Facebook/Meta, Apple, Amazon, Netflix, Google) style of companies. These companies have tailored the software engineering interviews to include questions surrounding topics that an engineer would have typically studied back in graduate school. These questions, while academically interesting, have arguably little practical relevance. Unfortunately, the rest of the tech industry has been so enamored by these FAANG companies that they have replicated the interview process as well. It can be mind-numbingly stupid at times, but there is nothing much anybody can do about this.

Anyhow, the mere thought of preparing for interviews can be demotivating by itself. In my case though, I had to look past this and focus on my larger goals. So I prepared….juggling my responsibilities between a full-time job, my family responsibilities and using every little free time available to prepare.

After interviewing with several potential employers, I landed up with offers from a handful of them. Apart from evaluating the offers themselves, I studied each employer’s history by looking through their annual SEC filings, reading up about the management itself and factoring those into my decision making. This is something that I never did previously in my career. I would mostly look at the role itself, look at the offer in isolation, rely on the recent media news about the company and just take a blind leap of faith about the health of the company. My education as investor has forced me to research these other aspects of a potential future employer and use that to make a decision.

In the end, I am happy that I went through this process. Change is incredibly hard to accept especially as one progresses through life. But sometimes it is important to take a step back, analyze and make a difficult decision. At this point, I have no idea if my decision is right or not. But the decision is based on a logical premise, and that is all that is in my control.

Update – 3/20/2022

Dear Readers,

I have been a little slow with my updates on both my blog as a well as on Twitter. Couple of reasons here: (1) I am going through an important change in my professional life, and (2) I was out vacationing with my family during spring break.

Let me first elaborate on (2). The last two years have been incredibly tough for my family. 2020 started with this dreaded pandemic that not just impacted my family but a lot of folks worldwide. But right around this time, we had a family emergency which forced us to plan a sudden trip outside the country at the peak of the pandemic in March 2020. We were lucky to be able to travel and get back into the country before any major travel restrictions were put in place. If that was not enough, in early 2021, the state that I live in had to deal with one of the worst winter storms that it has seen in over a century. This event left us without water and electricity for almost a week in sub-zero temperatures. We were barely recovering from this when we learned of another family emergency which once again forced us to travel outside the country. This was just around the time when the Delta variant was peaking, which made our travel back into the country very eventful again. Towards the end of 2021, we were again faced with the news of another family member needing to go into surgery.

In the midst of all this madness, my family has never had some time off to chill, relax and have a fun trip somewhere. So with spring break around the corner, we decided to go on a nice road trip to a nearby town which is a 2-hour drive from our place. The trip was a lot of fun. What was amazing was that during this break, all the places that we visited were CROWDED. And from what I could tell, I could barely see anyone wearing masks or practicing social distancing. This didn’t hamper our experience. On the contrary, it actually felt nice. It felt…normal for a change.

I will skip talking about (1) during this post, but I will certainly bring it up in a future post on the blog very shortly. This is pretty significant news and deserves a post of its own.

Anyhow, while I have been busy with life, I had actually stopped looking at my portfolio. Actually, I was only getting the notifications regarding the dividend checks and that made my vacation even more enjoyable 🙂 That right there, my friends, is the reason why dividend growth investing strategy works.

That is it for this post. I will be back shortly with another one within the next few days. Take care, stay safe and healthy!

Frequently Asked Questions – About Me

My interactions with the dividend growth investing community have resulted in a few questions that I have had to answer lot more frequently than others. I thought it would be a good idea to document them here for future reference.

FAQ #1: Who are you? What is your name?

The About Me section of this blog is intentionally vague. For instance, I have not given a whole lot of details about me. For instance, my name. Why? Being able share my monthly income updates on the internet is a luxury. But while I do that with full transparency, including my dividend portfolio holdings, I do not want to reveal my real identity because this is the internet and information can get misused. A lot of people that I interacted with found this odd. Their common gripe was, “Well, what do you I call you then? Life With Dividends? LWD? I generally like to call people by their names, this seems odd”. I get it. But if you must, you can refer to me as LWD or Life With Dividends. Perfectly happy with that.

FAQ #2: Why aren’t you more active on social media? I hardly you see on Twitter/<your favorite social media platform here>

I want to limit my social media presence because (a) I honestly do not have the time for it, and (b) I do not find the process very rewarding. (b) is something that I have begun to have a change of heart, especially with Twitter. Twitter can be a powerful medium depending on the people you are following and you get to learn. But I am seeing some patterns that plague the other social media platforms. I touched upon this aspect in my last post, where sometimes I find folks posting tweets to simply gain some comments, likes, seemingly to improve their “visibility”/”clout” on the medium. This is a pattern that I first started seeing on Facebook and now also plagues other platforms like Instagram and YouTube.

The YouTube financial space is migraine-inducing with folks trying to post eye-catching, click-baity thumbnails with facial expressions etc. Their desperation for new subscribers and comments is forcing them to stop talking about “boring stuff” like “dividend growth investing” and promote the latest fad instead. I understand the motivation to make some side income through these mediums, but this is just counter-productive for everyone involved.

I honestly do not care whatsoever about earning income through side-hustles. I would much rather focus my attention towards my regular day-job and be kick-ass at what I do there. The other major half of my time is for my family. And whatever else I have is for my personal interests such as : blogging about dividend growth investing. If I burn myself out in the pursuit of earning income through side-hustles, it will result in compromising my primarily responsibilities, something which I simply cannot afford to do.

FAQ #3: But why blog? That’s so old-school. You should instead start a podcast or YouTube channel

Yes, I contemplated this. But I decided to stick with blogging for some good reasons: (a) I have been a blogger previously. I enjoy this medium to communicate because it helps me articulate better and get my thoughts across more clearly. Writing somehow reinforces my own thought process. (b) I ditched the idea of creating a YouTube channel for the reasons mentioned in the response to FAQ #2. I want some independence in terms of content that I am able to write and publish and do not want a police like the YouTube algorithm governing what is publishable. WordPress, thankfully, does not have these downsides. (c) I thought about launching a podcast, but then my “free” hours are at odd times, after the kid has gone to bed, and cannot afford to create a lot of noise. Writing seemed to fit well with these constraints. Podcast, not so much.

In general though, the world has started to lose patience all too quickly. We prefer short-term for everything: micro-blogging through Twitter, TikTok, YouTube shorts etc. for v-logging, and those habits are also prevalent in investing. I tend to prefer long-term: reading books, reading memos and shareholder letters from top-notch investors etc. Does that make me old-school? I honestly DGAF.

FAQ #4: What got you into dividend growth investing?

Funny story. It was purely accidental. I come from a family background where nobody ever invested anything in the stock market. So I was a complete dud on that front. After graduating from college and starting a job, I earned a lot of RSUs (restricted stock units) through my employer. I was also enrolled in the company’s employee stock purchase plan (ESPP). My company paid out a quarterly dividend. Not much. It was just a token amount. But overtime, through DRIPping, this turned out to be some serious cash. This was a “light bulb” moment for me. What if I could invest money in some companies that did the same and create a parallel “income stream” for myself to supplement my day job. I got to research this idea a little bit and got exposed to the world of dividend growth investing. I had honestly not even imagined that there was a whole community dedicated to this type of investing. I started investing for dividends initially through ETFs around the 2017 time frame and have now gained enough confidence to invest through individual stock picks.

RSUs and ESPPs are a great way to introduce yourself to investing, if you have no background or prior experience with it. You can also use it as a medium to learn more about your own company’s financial health, asking questions during your company meetings etc.

So there you go. If you have more questions, let me know. I am genuinely interested in responding and interacting with each and everyone of my readers.

Until next time…cheers!

Updates on Goals – Year 2021

It is shocking that we are already into the last month of the year 2021. I am so busy with life and work that I am unable to pay attention to everything else that is going on around me. Perhaps it is a sign to take things easy for a change and also not get too bogged down with responsibilities. As I write this, there is news about a new COVID-19 variant called Omicron that is supposedly originating from South Africa. At this point, I have pretty much resigned to the fact that COVID or some other variant of the virus will never go away and we will eventually run out of Greek alphabets trying to identify each variant.

But this post is, thankfully, not going to be discussing about COVID variants. Given that we are heading towards the end of the year and setting sights on 2022, I thought it is good time to look back at my year’s goals, review my progress and set new goals for the coming year.

Goal 1: Write atleast one post per week

Result: Not Achieved.

Maintaining a blog is a lot of work, much more work than one can imagine. Moreover, with a 9-5 job and also a family to take care of, I have very little personal time to do anything else. Why choose blogging then? For one simple reason: I really wanted to get back to writing and penning my thoughts down somewhere. Interestingly, writing helps me in my thought process. It forces me to introspect deeply about the subject. And since I am spending quite a lot of time thinking about retirement, financial independence through dividend growth investing, writing about these subjects would reinforce my own belief system on these subjects.

I kept a very lofty goal of one post per week this year, knowing fully well that I would most likely NOT be able to achieve this given my other responsibilities. But I wanted to try anyway. The pursuit would ensure that I keep writing often.

Although I missed posting every single week, I came pretty close than what I initially though. My average posting frequency was still pretty high for each month.

Goal 2: Div-Net associate membership

Result: Achieved.

My second goal this year was to engage meaningfully with the dividend investing community on the blogosphere and also the world wide web, in general. Through this blog and then, additionally, through Twitter, I have been able to reach out to several like-minded investors. Dividend growth investing can be very challenging. It is very common to sometimes lose focus and wonder if this is really is the right strategy. Talking to like-minded investors, listening and learning from their experiences helps immensely. There are so many alternative approaches within the umbrella of dividend growth investing that it helps to listen to counter viewpoints sometimes.

As far as the blogging community, I wanted to be a part of a network of bloggers who would blog on this subject. I learned about Div-Net by sheer accident, as I saw their badge appears on several blogs that I would regularly follow. I am happy that I was able to satisfy their entry criteria for associate membership.

Goal 3: $1000+ in annual dividend income

Result: Achieved.

Eventually, I decided to share my progress on my dividend portfolio mostly for my own self and I will continue doing so until it makes sense. If it happens to motivate someone in the process, I will consider that as a huge plus for myself.

I am happy to report that I am well past my stated goal of $1000+ for annual dividend income. Part of my goal when I started this blog was to report my monthly progress here. I thought about this pretty long and hard, because there is technically no reason for me to report my passive income on the internet. In fact, the dividend portfolio that I discuss on this blog is only a small portion of my net worth and I do not plan on disclosing the other portions of net worth.

Goals for Year 2022

I have penned down the following goals for the upcoming year:

  • Cover atleast 5 investing book reviews
  • Write alteast one blog post per week
  • Earn $3000+ in annual dividend income

The first goal will force me to read/re-read investing books that I have been on my “to read” list for a while. There is just no substitute to knowledge gained from reading books on investing, or any other subject for that matter. I have kept this to a reasonable number (5) thereby allowing me to read the book and deeply introspect on the subject matter.

The second goal is a repetition from last time. I want to be able to continue writing regularly on this blog and since I was not able to achieve this goal this year, I will try my best to hit this for the coming year. Fingers crossed.

The third goal also looks pretty aggressive. I have no idea what kind of expenses will hit my wallet in my coming year, so I do not know if I will be achieve a $3000+ figure on annual dividend income. Let us see how I do in that pursuit.

What goals do you have in mind for the upcoming year? Were you able to achieve your goals for the current year? Please let me know in the comments below.

Thanks for reading thus far…

M1 Finance : 1-year review

School season has begun here in the US, and as a parent, this usually means busy weekdays. But thankfully, I am going in with an investing strategy specifically catered to this very situation i.e. I can focus on my work and life while my invested capital works in the background to generate more cash.

I mentioned in one of my previous posts regarding how I have been using M1 Finance for my individual brokerage account to manage my dividend portfolio. I have now spent over an year with this firm and I thought it was a good time to sit down and start penning down my thoughts about this brokerage service, things I like about it, things that I don’t quite like as much and looking ahead.

Hopefully, this will serve as a honest review of the brokerage service for someone that is getting started in investing and looking around for a brokerage.

Why did I choose M1 Finance to begin with?

There are plenty of options available to the average retail investor in terms of brokerage services here in the US. Firstly, there are the big-name established brokerage firms that have been around for a long time such as: Vanguard, Fidelity, Charles Schwab, E-Trade etc. Then, there are the relatively newer options such as Robinhood, WeBull, Acorns, M1 Finance etc.

About an year back, I wanted to explore this space a little. I already had exposure to some of the big-name brokerage firms because of some employee-based stock plans, retirement accounts etc. And while these brokerage firms are stable and the services they offer are reliable, the overall experience of investing through them was a little inefficient. For instance, the user-interface (UI) available on the web-portal to the retail investor seems either so dated, or very confusing or just needs some improvement.

In contrast, the new kids-on-the-bloc were offering a refreshing experience in terms of the UI, including better mobile apps, zero-commission fees on trades and also the option of trading with fractional shares. The zero-commission fees on trades, in particular, was a significant game changer and, now, several of the big-name brokerages also offer the same service to the average retail investor. Given that I already had some accounts with the big-name brokerage firms, I decided to give one the newer options a try, and chose M1 Finance based on some initial research.

Another thought that was brewing in my head: While my wife generally has no interest in investments and finance-related matters in general, I did not want to scare here away by using a brokerage whose interface was too verbose, confusing and overwhelming for the first time user. Perhaps, a more beginner-friendly refreshing UI might even ease her into this work, if she wanted to dabble in it for any reason whatsoever.

M1 Finance – quick peek

M1 Finance has a unique approach in terms of how an investor can maintain his/her portfolio. The portfolio is maintained as a “pie”, wherein each pie is a collection of stocks or more pies called “slices”. M1 Finance offers a collection of example pies that the investor can choose from OR the investor is free to build his/her custom pie.

Image Source: M1 Finance

The investor can allocate percentages to each of the “slices” within the pie such that they total to a 100%. The allocations can be changed at any time during the life of the portfolio. When the investor deposits cash into the brokerage account, M1’s algorithm uses the cash to issue trades such that they conform the percentages allocations set by the investor. M1 also offers an “auto-invest” option such that this process can be automated. Whenever a specific allocation percentage goes over the target allocation set by the investor, M1 auto-trading algorithm classifies this slice weighting as overweight and instead invests any new deposited cash towards slice weightings that are underweight.

Trades on M1 can only happen during mornings when the markets open for the day. M1 plus, another tier of membership, offers afternoon trades as well. However, M1 plus membership comes at a cost of $125/year, at the time of writing this post.

M1 offers services such as regular individual brokerage account, Traditional and Roth IRA accounts, custodial accounts, trust accounts etc. They also offer other banking services such as M1 spend (debit card), M1 credit card with 2% cash back that gets automatically reinvested into your investment account, M1 borrow (loans) etc. I have not used any of the other services outside of the investment account.

Source: Reddit

The Good

  1. Excellent user-interface: The user-interface for both the website as well as the mobile APP (I have tried iPhone APP) are phenomenal and refreshingly better than some of the big-name counterparts. I have generally never had any issues with the UI and it has operated reliably during the last one year. It is extremely easy to place a trade and very easy to track portfolio performance using their time-weighted return metric. The landing page of your portfolio typically shows a graph of over portfolio’s total worth since the day it was first created. In addition, it is easy to track how much dividends have been earned during the entire lifetime of the portfolio, or simply doing the last week, month or day. It appears that M1 has eliminated a lot of clutter and kept the user-interface simple for the beginner investor.
  2. Unique approach to portfolio management: The “pie” based view does take a little while to get used to, but once you get it, it is actually a pretty simple way to manage a portfolio. For instance, your portfolio could be based on something like a lazy 3-fund portfolio i.e. three ETFs or index funds: one corresponding to the total stock market, one to the total bond market and one the international stock market with a percentage split for each of the funds. It makes complete sense to have this represented as a “pie” with each “slice” being one of these three funds. It then becomes very easy to which “slice” has grown to be overweight and where you could deposit your capital to ensure that your target allocations are maintained.
  3. Auto-invest: The auto-invest feature is pretty interesting. If I wanted to put my portfolio management into “auto-pilot” mode, I could do so with M1’s auto-invest feature. I would simply need to setup a “auto-deposit” from my banking account such that a fixed amount of cash would be withdrawn each month/week and deposited into my brokerage account. Once the cash lands here, it will be automatically used for trading per the target allocations for each of my stocks/slices. This removes emotion out of the investing and place trades at regular intervals by simply dollar-cost averaging into positions that are underweight.
  4. Fractional shares : I think this particular feature is a game-changer. If I can own a piece of Amazon (ticker: AMZN, trading at $3316 at the time of writing) or Google (ticker: GOOGL, trading at $2828 at the time of writing) with just $50, that is not at all a bad deal. There is a good possibility that I may not have enough capital at a given time to own one share of AMZN or GOOGL. A lot of the big-name counterparts still do not offer fractional shares but this is slowly changing.

The Bad

  1. Customer Service: The customer service experience with M1 has been a mixed bag. While it was pretty great when I started out with it, there were days when it would be impossible to get a real person to talk to either over the phone or via email. This is a pretty fundamental aspect of a brokerage service. I should be able to reach out and talk to a real person if I have questions about the account, my statements or any feature on the portal.
  2. Moving holding between “pies”/”slices”: This is perhaps the most frustrating aspect of M1 Finance. If you add a stock to a particular “pie”, and invest with that configuration, if you have to move the same stock over to a different “pie”, you cannot do so readily and there is a possibility that the act of doing so will cause you to sell the stock and then re-buy it for the same amount in the new pie configuration. This is not ideal for several reasons: this would change by cost-basis for the stock, and would also be classified as a taxable event. To explain this with an example, say I was interested in investing in Visa (ticker: V), but I placed in a pie called “Finance” and bought 10 shares of V. Say I now wanted to move this holding into a new pie called “Technology” (because Visa can be classified as a Technology company as a well), I would not be able to do so without first selling my shares for V from my “Finance” pie and then re-buying shares worth the same amount in my new “Technology” pie. It appears that people have been requesting this feature since the last few years now, but M1 does not really have a clear answer for this.
  3. Apex clearing house: M1 uses Apex as their clearing firm on the back-end. While this has not turned out to be a huge problem during the last year, I need to open a separate account with Apex clearing to have access to data regarding my portfolio with M1, such as stock trades placed, cost basis etc. I would rather have this data be made available through M1 itself rather than have to go through a second source of information.
  4. FINRA / SIPC: Reputable brokerage firms in the US are all registered members of SIPC and/or FINRA. Per SPIC regulations, M1 Finance can support customer claims of upto $500,000, with $250,000 is cash claims. While M1, through their Apex clearing house, claims to have additional insurance over SIPC coverage, it is not clear if it would be a safe option to maintain your assets with this firm if and when your portfolio exceeds this amount. In comparison, the big-name brokerage firms have been around for a lot more longer and are more reputable and trust-worthy for larger portfolios.
  5. Trading windows: As things stand, M1 only allows you to trade stocks at one (two if using M1 plus) time during the day. And this is early in the morning when markets open up. This clearly means that M1 is NOT suitable for day-trading. This is not such a huge deal for me, since I am a long-term investor, Having said that, I would like to have the flexibility to buy stocks when I please or when I sense an opportunity at any stage during the day when the markets are open. I would like decide for myself when to buy or sell a stock rather than have a restriction imposed on me due to my brokerage service.


I am pretty happy with trying out M1 for a year, but I think the time has come to move my investing journey over to a different brokerage due to the cons I have listed above. At present, Fidelity seems to be offering a good option for a move. They are a firm that has been around for a really long time. So I will have absolutely no concerns about insurance coverage for my assets if it grows into a large value. They have recently updated their user-interface to catch up to the modern age, offer fractional shares (atleast through their mobile app) etc.

Eventually, I would also like to begin trading options to supplement my monthly dividend income. M1 does not offer this option at present, and Fidelity does.

The transfer of assets from M1 will result in a taxable event, since the existing fractional shares will not be transferred and would have to be sold. But this is not so much of a concern for me since this move is the right thing to do from a long-term perspective.

I might return back to M1 Finance for a new account if things improve and if they have actively worked on some of my concerns listed above.

Until next time…

Disclosure: Long V, No positions in AMZN, GOOGL in my dividend portfolio.


I am creating this blog to record my personal journey towards financial independence through dividend growth investing. My hope is to use this as a medium to record my progress towards my goal and gain inspiration through the vibrant community of dividend growth investors on the blogosphere.

I will be sharing updates on my dividend portfolio on this blog and also providing monthly updates on income received, as is the customary practice of several such blogs.

Before going ahead though, I would like to state that I am no expert in this field and what you will read on this blog should not be considered as financial advice. Please consider seeking the assistance of a licensed financial advisor before investing in the stock market.

Why Dividend Growth Investing?

There are several investing strategies out there. So it is important to state why I have chosen this specific strategy for investing. Here are some specific reasons:

  • Truly passive strategy: This is a fairly important consideration. I am a working professional with a regular 9-5 job. Beyond that, I am also married and have a young kid. So my time (and mental bandwidth) is fairly limited. Simply put, it is impossible for me to track the stock market on a day-to-day basis. Hence, any strategy for investing needs to be passive in nature. I can spend time infrequently / up-front doing my research in the stocks I want to own, buy such stocks at a reasonable valuation and then continue to invest in them from that point on and let these businesses generate cash for me.
  • Creates a second line of income: which is passive in nature. I can let my money work for me while I am asleep.
  • “Buy-and-hold” by definition: My decade-long experience in the stock market has convinced me that a buy-and-hold strategy is more suitable to my style of investing. Dividend Growth Investing, at its heart, relies on this strategy as well. One simply needs to invest in high-quality businesses that return back cash its shareholders in the form of dividends. These dividends are re-invested back into the market in the same or other such high-quality businesses. Furthermore, these businesses consistently increase their dividends paid to their shareholders. Over the course of time, the compounding that ensues as a result of this, creates a snowball machine that generates steady cash flows.
  • Focuses on high-quality companies: If done right, this strategy will lead the investor towards picking businesses that are stable, growing and reliable. This is extremely important to ensure that the generated cash flow is reliable in nature.

While the primary focus of this blog will be geared towards updates regarding my dividend portfolio and my approach to dividend growth investing, I also plan to write about topics related to retirement and personal finance.

Thank you for reading thus far. Please feel free to drop a comment to say “hi”. I would love to hear from you and hope to learn from you throughout the course of this journey.