Creating a Passive Income through Compound Investing
Dividend investing
Total dividends received year to date (30/09/25) is £30,198.60 and growing.
Annualised portfolio dividend yield is 4.39% (30/09/25)
Compound investing is about earning dividends then reinvesting them, earning further income on top of the original capital.
The reason I created Worth Equities is to help empower individuals without the need of a membership fee.
Building a passive income is actually easier than I first thought, I now know it’s achievable if we know where to look for the information.
We all have different reasons for wanting to build a savings pot, but knowing how and when to start investing can be difficult however history tells us that the earlier we start the better.
You may be saving for a new house, car, child’s education, a dream trip around the world or even your own retirement.
Investing can be a mine field, even just thinking about the subject can be frightening for some and there are various products available from typical high street banks, like saving accounts that pay interest, or stocks and shares funds that are managed by a fund manager.
Alternatively you may wish to make your own investment decisions by selecting shares through a DIY investment platform.
Where possible it’s always best to ensure we are utilising tax efficient savings accounts like: Individual Savings Accounts (ISA’s) or Self Invested Personal Pension (SIPP) to maximise your returns.
Back in 2014 I didn’t really know how I would start investing, all I knew was that I wanted to start somewhere as I kept reading about people investing by using the stock market to increase their wealth by investing in stock & shares and funds or ETF’s.
There is a myriad of information available but, what is credible information, who do you believe? these are all valid questions we ask ourselves.
Should I be paying for the information? the simple answer is No.
Paying for information before it is released is effectively paying for their own analysis & thesis of why to purchase a stock, I think this is even more daunting because we should be asking: is it a reliable source? what service or membership should I subscribe to? it was all really overwhelming.
Learning the hard way!
In 2014 I joined an investing service and paid for a three year half price subscription, only to discover they had over 50+ different subscriptions available.
It seemed every time I wanted certain information about a specific investment from my subscription, they wanted more money. Are you starting to guess what I was thinking?
There are so many companies trying to make money out of the little money I had to even invest.
How I started dividend investing
This is how I started:
It kind of started by accident after relocating for work back in 2013:
By missing friends and family and having extra time on my hands, I felt a need to occupy my mind and use my time wisely.
As financial experts suggest you should keep track of your pensions and know how they are performing.
After updating the postal address and delving a little deeper into two separate pensions, we noticed their performance was not that great, so we decided to learn a little more about investing and that’s how it’ll kind of fell into place, and so our dividend investing journey began.
At the time we consolidated two pensions into a SIPP using Hargreaves Lansdown, within 10 years it has turned the £36,000 investment into a total portfolio of £112,302k, of which £108,724.30 are dividend paying equities.
In 2014 we were really keen to explore creating a second income using dividend stocks, so we started reading and researching more and more articles regarding passive income, moreover how to generate one.
Whatever we read, all we could hear was about the dividends and the income generated through just buying funds, but there was little resources in actually seeing the compound interest.
We wanted to witness the income generated year over year, especially and how it would look in an account, moreover the compounding effect.
That’s when someone suggested we could write about our personal journey, so in 2020 we created the Worth Equities website so others could witness the compounding effect.
This website provides factual information of the dividends received from a globally diversified portfolio created over ten years.
There are now 23 dividend paying companies within the portfolio with the intention to reach 25-30 stocks in total.
After acquiring enough established data we are now able to share with you the insights and earnings, so you too are able to witness how long term dividend investing looks and affects a portfolio.
We hope that you find all the data and information useful, whether you are looking to start your own investing journey or are just using the website & data for research purposes.
Remember if investing seems a little daunting start using a spreadsheet, I did. This way there is no money is at risk.
Never take the first steps into investing until you are ready, so you are not risking any of your money until you feel confident.
Anyone is welcome to use this portfolio just as a reference source (But please do not follow, unless you like similar stocks to us?), then when you are ready to start “your own” investing journey by trying to construct your own unique list of stocks / equities.
Always start with small steps (5 stocks or shares) gradually increasing at your own pace, remember quality and patients counts.
Disclaimer:
Investing is not for everybody as we all have different tolerances to risk, different time frames and skill sets.
Please remember investments can rise as well as fall, so all the hard earned money you invest you may never recover if an individual investment fails.
This website & blog should not be taken as financial advice nor should be taken as a financial recommendation for any of the features or stocks & shares I personally invest in my own portfolio.
If you are unsure you should seek financial advice from a qualified financial advisor.
