The UK dividend investing podcast about the number that actually matters: what you keep.
With the ISA deadline 72 hours away and the tax year flipping Monday April 6, this Season 1 finale brings everything together into one actionable checklist. Matt and Sophie walk through six concrete things to check befor…
Discover how to export and interpret your Trading 212 dividend CSV to reveal your true tax year income, avoid common pitfalls, aYour Trading212 dividend history is recorded in full—but it's sitting in a CSV file, not you…
The conventional wisdom: buy the stocks paying the most. A 6% yield beats a 3% yield—simple math, right? Except a stock yielding just 3% that grows its dividend at 8% per year will pay you more annual income than a flat…
From April 6, 2026, UK dividend tax rates are rising for the first time since 2022. The basic rate increases from 8.75% to 10.75%, and the higher rate from 33.75% to 35.75%. But the headline change masks the real story:…
You've spent the last twelve episodes learning the real cost of dividends: withholding tax, the allowance trap, FX drag, tax year boundaries, payment frequency. But where do you actually see all of this in your Trading21…
Most dividend investors assume monthly-paying stocks are the key to consistent income—but the UK monthly payer pool has shrunk, dominated by investment trusts and REITs rather than operating companies. The real insight:…
inancial independence feels like a decades-long grind when you're staring at a £706,000 target. But here's what the maths actually shows: the journey isn't one giant leap — it's a series of income milestones that acceler…
The UK tax year runs April 6 to April 5, not January to December. That's not just a calendar quirk — it's the dividing line for your dividend tax bill. With 26 days left in the 2025/26 tax year, there are two things work…
Most UK investors think the only cost of holding US or European dividend stocks is withholding tax. But foreign exchange hits twice: your broker takes a hidden spread on every dividend payment (ranging from 0% on Trading…
You've spent seven episodes building the toolkit — gross vs net yield, the £500 allowance trap, your FIRE number, yield traps, withholding tax by country, ISA vs GIA placement, and contribution rate as the biggest lever.…
You know your FIRE number from Episode 3, and for most people, it's bigger than expected. You know where to place each stock from Episode 6, ISA for UK stocks, careful consideration for US stocks. Now the question is obv…
Matt and Sophie tackle one of the most misunderstood questions in UK dividend investing: should your stocks live in an ISA or a General Investment Account? Building on earlier episodes about country tax drag, they walk t…
Your ISA holds stocks from multiple countries, but each one comes with a different invisible tax bill. A UK stock yielding 4% keeps every penny in your ISA — no withholding tax, no FX conversion. But a US stock yielding…
A stock offering 10% dividend yield looks like a shortcut to financial independence — you could hit your FIRE number at half the required portfolio. But an unusually high yield is often the market screaming a warning, no…
The internet says the magic number for financial independence is simple: take your annual expenses, multiply by 25, and that's your target. Need £2,000 a month? You need £600,000. But the 4% rule was built on gross US re…
The UK dividend allowance has been slashed. From £5,000 in 2017-18, it's now just £500—a 90% cut that leaves most dividend investors exposed to HMRC tax without realising it. When you exceed the allowance, you owe 8.75%…
Matt and Sophie reveal the hidden cuts from US withholding tax and FX fees that reduce your dividend returns, even inside an ISA. Learn how these invisible costs transform a 4% yield into closer to 2.8%, and discover too…