🎙️ Interview Dividend Dynasty
Hello friend! 👋
My name is Yorrin, also known as ‘‘Fluentinvalue’’.
I am pleased to have you here for another interview! Today we are interviewing Dividend Dynasty.
Check out the previous interview here:
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Dividend Dynasty
I’ve been following Dividend Dynasty for a while. Dividend Dynasty, Will, shows us over on X, formally Twitter, what real dividend investing is all about. Will is transparent in his positions, provides quality on stocks he sees potential in, provides quality business summaries, and really breaks down all you need to know about (dividend) investing.
In this interview, we will:
Get to know Dividend Dynasty
Hear about his journey in the world of finances and investing
What his possible business endeavors could be besides investing
What he prioritizes in his investable universe
How he overcomes challenges we investors will have at some point
And much more!
If you’re not yet following Dividend Dynasty, check out his X & Linktree:
Click here for Dividend Dynasty his Twitter/X
Click here for Dividend Dynasty his Linktree
Who is Dividend Dynasty in short?
My name is Will, I’m a 25-year-old from the United Kingdom - outside of investing, I work within the finance/automotive industry under the Mercedes Group.
Can you share with us the story behind your journey into the world of personal finance and investing, and how did you come to be known as Dividend Dynasty?
I first started investing back in January of 2021 after a couple of months of learning about investing through YouTube and Twitter - this was before I’d even set up D.D. [Dividend Dynasty] After about a year of investing and somewhat learning the ropes of individual stock investing, specifically dividend investing, I decided to make a Twitter account to share my journey similar to those that I had followed for the better part of 2 years.
What inspired you to start sharing your investing journey on Twitter, and how has your platform evolved over time?
I’d been inspired by the content/information I’d already seen through YouTube and Twitter and found that interacting with others with a like-minded interest was both massively enjoyable and incredibly helpful to my development as an investor. I then decided to make D.D. [Dividend Dynasty] as an outlet to grow that network of individuals as well as a way to track my progress and keep myself accountable.
Do you, besides growing your online presence, have thoughts about doing something else like starting a different kind of business?
I’ve always been massively into my sport/exercise, I played football (Soccer for all of the Americans) throughout my childhood, but I’ve also been an avid gym goer and have a personal training qualification. I’d want to start my own personal training business as well as own my gym later down the line. Let's hope the investments perform well over the next decade or two so I can make that happen!
With a considerable following of 13.4k on Twitter, what do you believe sets your content apart and resonates with your audience?
I think what sets me apart in some way, is the transparency I try to provide on my investment portfolio, highlighting all of my buys/sells as well as providing a weekly update on the portfolio - this opens me up to criticism etc but I enjoy the process of tracking the portfolio & interacting with others and getting their insights along the way. Now on weekly update #69, I think this has helped me to improve as an investor and has hopefully motivated a few people to begin investing for themselves.
How do you approach communicating complex financial concepts and analysis to your audience in a way that's accessible and understandable?
I think the best way to communicate and break down certain concepts is to try and visualize everything - charts can be an investor’s best friend. I think that the vast majority of investors don’t need to over-complicate quantitative research, if the financials don't jump out to you as high quality then it should be a quick pass. When I post I try to stick somewhat to the basics, nothing too fancy.
Can you walk us through your investment strategy, particularly your focus on dividend stocks, and what advantages you see in this approach?
In short, I would describe my investment strategy as a blend of value and quality growth Investing. I’m primarily interested in businesses that are easy to understand, have strong branding, pricing power, and the ability to reinvest FCF at high rates of return.
I would say the most important message I want to get across about my dividend investing approach is that it is not my priority. I enjoy the process of receiving and reinvesting dividends, and I think it is an excellent strategy to naturally incentivize investors to take the long-term ‘business owner’ approach. However, dividend investing can distract investors from investing their capital in high-quality businesses with a more attractive total return potential.
So with that said I would say I like businesses that pay dividends, but I want to own businesses that view them as a last resort in their capital allocation policy. I’d much prefer a business to reinvest the capital at higher rates of return/repurchase shares at reasonable valuations as this is a more efficient way of compounding wealth.
What key principles or criteria do you prioritize when selecting dividend stocks for your portfolio, and how do you conduct your research?
I prioritize business sustainability over everything. I look for highly profitable businesses with consistent and growing FCF generation that is predictable. I look for businesses with low levels of debt and a proven track record of being able to grow the dividend and maintain a healthy balance sheet - I want management to be strong capital allocators and have long-term growth at the forefront of their minds.
As an influencer in the personal finance space, how do you balance sharing your own experiences with providing general advice that can apply to a broad audience?
I like to mix up my content, I primarily focus on general stock insights/analysis - trying to identify good current opportunities within the market. On ‘X’ I often like to bounce potential ideas off people I regularly interact with.
However, I believe with the weekly updates/insights I give throughout the week I also tend to give some variation to just stock analysis and instead give some insight into how I approach saving/investing which can be used by anyone in the wider audience.
What do you find most rewarding about sharing your knowledge and insights?
By far it is the general day-day interaction I have with people. I speak with similar people every day and it feels nice to continue motivating one another to keep pushing in a positive direction.
Everybody is in different circumstances, but daily motivation can be applied to anyone's life. I’ve spoken with people who have £1m+ portfolios, and I’ve spoken with new investors just starting. I’ve spoken with people nearing retirement with an absolute wealth of knowledge and experience. I’ve spoken with teenagers who are keen to start investing, but it’s the prospect of motivating people to better themselves that makes me happy. Anyone can do it, that’s what makes investing so great.
Have you encountered any challenges or obstacles in your journey as a financial content creator and investor, and how have you overcome them?
There are always obstacles with investing, investing your money will always be a somewhat emotional process as it represents time - both the time used to earn money as well as the time that it can give/save you in the future. I think the biggest obstacle for me was trusting myself to make rational investing decisions & trusting my knowledge base to remain somewhat unemotional with the decisions I make and to have an overall high-standard investing process.
I now find that I trust my process and it is being reflected in my buying/selling behavior. The overall quality of my process has developed significantly over the last year through consistently learning from my errors as well as those that I have observed others make. So for me, just constant learning has been my method to overcome uncertainty.
What advice would you give to someone interested in getting started with investing in stocks but may feel overwhelmed or intimidated by the process?
LEARN. LEARN. LEARN.
In a grand sense, investing is a very simple concept. What I think is great advice would be to try and learn from the best - the best have the ability to make complex concepts/ideas VERY simple (Study Buffett, Munger, Lynch, Greenblatt, etc). As soon as you get to a place of understanding then you feel much more confident in your decision-making process.
Whilst you are learning from these great minds, focus on investing in broad-based index funds with low expense ratios - get used to the process of investing consistently, and make it a HABIT. These ETFs allow you to do this without too much overthinking or time expended and give you a vehicle to grow your investments whilst you learn.
Looking ahead, what are your future goals and aspirations in terms of your investments and your contributions to the investing community?
My simple goal is to get myself to a position where I’m comfortable enough to do what I want with my time and be able to look after the people around me.
I want to have an ever-growing portfolio, I view it as a life project - it will help me and my family. But from a community perspective, I want my investing process to become a motivator for others to continue/start doing the same. I love to help others and improve my knowledge and understanding of the power that investing can have on people's lives.
How do you stay informed and continue to learn and grow as an investor, and do you have any favorite resources or sources of inspiration you can recommend?
I continue to develop through avid reading/research - I use plenty of investment research tools (Qualtrim.com, Everything Money & Seeking Alpha) that provide key information in an easy/digestible format, this helps me to remain efficient and informed.
I also ensure to read/listen to as many investing books as possible, there are so many golden nuggets of information out there that can help you in investing and life. JUST KEEP READING.
Have there been any significant milestones or lessons learned along your investing journey that have shaped your approach or perspective?
One of the major lessons learned through my platform is that it's vital that you don't compare yourself to others. Focus on your investing journey, comparison can be the thief of joy. Enjoy your milestones, and celebrate them however small or large. And most importantly just keep pushing to improve your position.
What do you believe sets your analysis and insights apart from others in the field?
I think what suits me is that I don’t try to overcomplicate everything. Simplicity is key. I think this helps to ensure that decision-making & overall analysis remains rational.
Finally, what message or advice would you like to share with your audience, especially those who are just starting their investing journeys?
Start today, don't stop learning, and enjoy the entire process. You’ll make mistakes, and that's okay, just make sure to learn from them and become a better investor as a result.
⚡Lightning round
If you woke up tomorrow with the ability to predict one stock's performance accurately for the next year, which stock would you choose and why?
Based on my current portfolio allocation and the current undervaluation IMO I’d love to be able to predict $PYPL (PayPal) over the next year. I think there's a lot of potential for gains over the next year or two so long as management continues to execute.
What's the most memorable financial advice you've ever received from a completely unexpected source?
“No amount of money ever bought a second of time” - Tony Stark (Avengers End Game)
Whilst money can give you freedom to do what you want, it is always important to remember that we are not guaranteed anything. Therefore that quote has always stuck with me to prioritize where I invest my time NOW. It’s important to save/invest - but not at the expense of enjoying yourself as much as possible in the present.
If you had to describe your investing style using a movie title, what would it be and why?
Moneyball - Trying to build a strong roster of companies that may be temporarily overlooked but together make up an excellent team.
If you could swap lives with any investor or financial guru for a day, who would it be and what would you do differently?
Guy Spier - Lives in a beautiful location (Zurich), he has a great network of people whom he can call upon - but overall has a very relaxed environment/ investing process. I’d very much like to swap for a day and I wouldn’t change anything.
✅ Do’s and ❌ Don’ts
Do
Prioritise Learning
Keep it simple
Start early. If not early, start TODAY.
Focus on Quality at a reasonable price
Build your process and manage your emotions.
Don’ts
Copy others, conviction cannot be borrowed
Chase yield
Overcomplicate it
Forget to enjoy life, and invest but also have experiences as well.
Be in a rush to get wealthy - it will happen, give it time.
That is it for today!
Thank you for reading the second episode!
want to personally thank Will for taking the time and effort to answer all questions with honesty, value, and per
I’ve been a follower of Will’s work for a while now and will continue to support and admire the work Will provides to us.
I recommend following Will over on X and start profiting from the knowledge and quality that Will provides.
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