About Me

Welcome to Dividend Earner! A dividend blog focused on retiring with dividend income. Without a pension plan, I need to create my own and be the best dividend investor I can be.

Let start by saying that I am just a regular guy from the greater Vancouver area in Canada. I am married with kids and I have a day job.

I have a passion for personal finance and investing. Back in early 2009, I decided it was time to supercharge my passion and take control of my portfolio. I ‘fired’ my financial advisor and moved all my money to a discount broker. At first with Scotia iTrade and then I moved to RBC Direct Investing.

My Story

Dividend Snapshot
I have always been pretty good with managing my money, saving it and investing it. Unfortunately, for many years, my investments were in mutual funds with high management expense ratios (MER). While I contributed regularly, I never could see my portfolio growing, it was just going sideways … I had a financial advisor at the time which I thought was going to help me but aside from offering me different products and options, my accounts were still going sideways.

I was long aware of dividends but never thought I could invest in stocks without having more money. How can I invest small amounts regularly with the transaction fees ($30 at the time)? All I did was request my mutual funds to be invested in dividend paying mutual funds. I knew that regardless of the movement, I was still earning money. In late 2008, the market crashed as many of you know and my investments did not do much better than others …

It was time to change my strategy and read The Lazy Investor by Derek Foster. This book showed me I could invest in stocks and contribute small amounts regularly. Within a year, I was setup with 13 Canadian stocks through Computershare and Can Stock Transfer Agent.

Why a Dividend Blog?

I decided to start a blog for the following reasons and I continue to make those a priority.

  • Sharing financial information is something I do regularly with family, friends and co-workers. I realized I could write about it and document it at the same time for the benefit of everyone.
  • Setup a regular schedule to review my goals and follow through with it.
  • Share my experiences on dividend income since it is one of my primary goals for retirement. (Retirement != RRSP)

If you are new here, have a look at why I am a dividend investor and subscribe to my newsletter for great topics and content. If you are a new reader, I strongly suggest you sign up to my newsletter as it will help you catch up to many of my topics and you’ll know when I make a purchase (or a sale which is not often).

If you have not done so yet, have a look at my Dividend Income report as you can see the progression of my journey. Slow and steady, my dividend income is growing.

Thank you for reading and I hope to see you on the blog again. All the best in your investing journey!