- my experience report with $BATS (-1,67 %)
Almost 2 years ago, I invested 400 shares in BAT. Back then it was around €10,800 and a rather risky investment, but today the value is around €20,200.
What is much more exciting for me than the price gain, however, is the dividends that the share has regularly paid out since then.
I have other dividend stocks in my portfolio and receive a certain amount every month. Sometimes €90, but sometimes only €50.
However, the driving force in my portfolio is BAT.
Every three months, I get around €250 transferred to my account after tax (i.e. I've used up the entire tax-free amount).
However, instead of simply reinvesting the money, I consciously use it in everyday life: sometimes for small purchases, filling up the car, sometimes for family wishes. Although I always have a little more money left over, my monthly savings rate remains the same.
The nice thing about it is that it doesn't feel like "someday", but rather like a small foretaste of what I want to achieve in the long term.
It's precisely this feeling that motivates me to keep at it. I know what a €250 dividend feels like in everyday life.... at least every 3 months - and that makes it much more tangible for me to end up with €300-400 a month or more at some point and to have an idea of what that will make possible.
At first glance, it doesn't seem like much...but when I realized that the whole thing is really passive, i.e. without any time investment, I realized it. More time for the things I like to do instead of having to work a few hours somewhere for the money. A visit to the swimming pool with my son, a ride on my motorcycle or going out for dinner with the wife. It's not just the money factor, above all it's the TIME.
I've already worked out how much time I need and drawn up a plan. I've planned to take 14 years, then I'll be 50. It will be exciting to see how it develops.
We are currently paying off our own property and also have a property abroad where we would like to spend the spring and summer.
In Germany, we could imagine working part-time in the fall and winter, simply to leave what we've invested untouched for as long as possible.
At 60, however, I would like to finally draw the line under working life and finance everyday life entirely from dividends and reserves.
For me, this is not a "get rich quick" scheme, but a long-term project. The dividends don't just make it feel like the future, but a little bit of freedom now.
Do you consistently reinvest all your dividends or do you treat yourself to some of them from time to time?
