Wise Old Man - Dividend Investor £100k 🇬🇧

27 | Income Investor and Ecom founder | Tracking & Sharing the journey | Monthly income currently = £2200 | Portfolio = £100k | Not Financial Advice | $Bitcoin

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

This is my current portfolio - circa £100k, netting roughly £2200 per month in income:

$JEPQ £26,098
$FEPG £27,745
$MAGD £18,467
$YMAP £18,912
$TSLD £5186
$NVDD £1791
$COII £241

Built for income, not growth, however there is some growth

Follow along to see the journey in 2026

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

I’m the Wise Old Man, 27, based in London, and my goal is to leave full time work by aged 30 and live off dividends

Right now I’m at ~£2200 div income per month with £100k invested

It’s not perfect and I’m still figuring things out, but it’s moving in the right direction

1/2

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@FozWrestle NAV decay, Foz

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

This is my current portfolio - circa £100k, netting roughly £2200 per month in income:

$JEPQ £26,098
$FEPG £27,745
$MAGD £18,467
$YMAP £18,912
$TSLD £5186
$NVDD £1791
$COII £241

Built for income, not growth, however there is some growth

Follow along to see the journey in 2026

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

I’m the Wise Old Man, 27, based in London, and my goal is to leave full time work by aged 30 and live off dividends

Right now I’m at ~£2200 div income per month with £100k invested

It’s not perfect and I’m still figuring things out, but it’s moving in the right direction

1/2

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@EzekielFemi2580 @REXShares @YieldMaxETFs ??

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

£1k in dividends yesterday from
$FEPG @REXShares
$YMAP @YieldMaxETFs

Will be reinvesting into the MAG 7

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

This is my current portfolio - circa £100k, netting roughly £2200 per month in income:

$JEPQ £26,098
$FEPG £27,745
$MAGD £18,467
$YMAP £18,912
$TSLD £5186
$NVDD £1791
$COII £241

Built for income, not growth, however there is some growth

Follow along to see the journey in 2026

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@harryinmarkets @REXShares @YieldMaxETFs Thank you Harry. God speed

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@Tom1_1970 @REXShares @YieldMaxETFs Go for UK based for tax reasons

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@2147mill Gm

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Good morning world

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Unpopular opinion: buying experiences in your 20s while investing 20% beats investing 50% and living like a student.

Compound interest works on memories too.

Just not the kind HMRC can tax.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Everyone says delay gratification. But what if you build cashflow young enough to enjoy the ride?

Your 30s > your 60s for actually living.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Everyone says delay gratification. But what if you build cashflow young enough to enjoy the ride?

Your 30s > your 60s for actually living.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Unpopular: Chasing FIRE at 40 is pointless if you hate every year getting there.

Build income NOW. Live before your knees give out.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Property gets the glory.

Dividend portfolios get the freedom.

One ties you down. The other sets you free.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Unpopular opinion:

Maxing your ISA with dividend stocks > buying a second property

✅ No tenants
✅ No maintenance
✅ No void periods
✅ Tax-free income
✅ Total liquidity

Passive income doesn't have to mean property 🏠❌📈✅

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

If you could only hold ONE of these for 10 years:

VWRP
JEPQ
SCHD
MAGD

Which are you picking and why?

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

If you could only pick ONE income ETF to build around:

$JEPQ
$FEPG
$YMAP
$MAGD
$TSLD

Which one and why?

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

First dividend that covered my Netflix sub felt huge.

Now they cover groceries.

Small wins stack into freedom. Keep building.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

First time my dividends covered my council tax bill, I cried.

Not rich. Just one less thing my salary has to stretch for.

Small wins build into freedom. 💷

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Everyone wants the secret strategy.

It's boring: Same deposits. Same ETFs. Zero excitement.

Wealth isn't built on adrenaline.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Boring strategies make money.
Exciting strategies make stories.

I'll take boring:
• Consistent monthly deposits
• Same 4 ETFs
• Automatic reinvestment
• Zero drama

Get rich slow > stay poor fast.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

£938 in dividends this month.

That's my council tax covered.

Didn't work extra hours. Didn't sell anything. Just woke up to cashflow.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Happy dividend day to those who celebrate

£938.67 from @IncomeShares

$MAGD – £652.78
$TSLD – £224.19
$NVDD – £58.04
$COII – £3.66

That’s nearly £1k in cash flow without selling a single share

Build assets
Let them pay you

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

£20k ISA allowance resets 6th April.

Use it or lose it forever.

That's £20k of tax-free dividend income you can't claim back next year.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

If you're not maxing your Stocks & Shares ISA, you're leaving money on the table.

£20k/year. Tax-free dividends.

This is how UK investors win.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

£500/month at 8% yield = £480 passive income year 1.

Year 10? £7,200/year.

Same £500. Compounding doing the heavy lifting.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

The math here is wild.

£500/month = £6,000/year invested.
At 8% yield = £480/year passive income.

Year 2? Even more.

Start building.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Unpopular: Chasing FIRE at 40 is pointless if you hate every year getting there.

Build income NOW. Live before your knees give out.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Forget retirement at 65.

Income investing lets you:
• Work on your terms
• Build wealth NOW
• Create options

This is the mindset shift.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@TobyInvesting @lane_d12 @2147mill @UK_Compounder Thank you Toby!

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

The best time to start investing was 10 years ago.

The second best time is today.

Waiting for the "perfect moment" is just expensive procrastination.

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Investing £100 per month won’t change your life this year

But 5–10 years of doing it without stopping absolutely will

Patience is the edge, stay consistent

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

@CNorms84 Great start Craig

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

First time my dividends covered my council tax bill, I cried.

Not rich. Just one less thing my salary has to stretch for.

Small wins build into freedom. 💷

[Wise Old Man - Dividend Investor £100k 🇬🇧 @maxcashstacking]

Just hit £42,000 invested in my ISA.

Generating £3,200/year in tax-free dividends.

That's £266/month that pays for:
• Groceries
• Petrol
• Utilities

All covered by dividends alone.

This is what financial progress looks like 💪