Polliesdividend

About Me

Hello,

I’m glad you stopped by. I’m a 40-something old guy from The Netherlands, aka Pollie. I was born in the early 70’s somewhere in The Netherlands. As you can understand English is not my native language, so if you ever run into a grammatical error, please forgive me.

I have a family with two little kids, a day job, a house with a garden and this blog to keep me busy. So not much different from you; an investor with a busy life with limited time to trade. I’m a passionate investor who started back in 1997 when I had my first job. In the beginning I had more time than money. I spent a lot of time reading different kind of books. Just to educate my self. I invested in mix funds, individual stocks and options. I used to spend 2-3 hours per day looking at screens, analyzing trends and figuring out which will be the next stock to surge. After the birth of my firstborn I didn’t had that much time anymore.

When I turned 40 I looked at my net worth and I was shocked. This motivated me to get my act together. I started rearranging my portfolio and started with dividend-growth-investing. I realize that I should have started earlier. But I can’t change my past but I can influence my future! This Blog is a written account of my journey. I started this blog in June 2014 after being inspired by some of the many great personal finance blogs out there that chronicled their individual journey’s to financial independence and retirement. I wanted to share my journey to hopefully inspire others and also to track my progress towards my ultimate goal of financial independence by age 50.

I hope you enjoy reading about my journey to financial independence here at Polliesdividend. If you’re a fellow blogger, feel free to add my blog to your blogroll.  Thanks.

Pollie.

Pollie@polliesdividend.com

44 thoughts on “About Me

  1. Roadmap2Retire

    Just discovered your blog. Congrats on taking matter in your own hands and best wishes for achieving financial independence.

    Looking forward to following you along the journey.

    cheers
    R2R

  2. Dividend Dream

    Hi Pollie, I just discovered your blog. It’s nice to see fellow Dutchies interested in DGI. Like you I am invested in RDS and Unilever, one of the few true dividend companies in The Netherlands. I wish you well in your investment endeavors.

    1. polliesdividend Post author

      Thanks for stopping by! And your kind words,
      I agree with you that RDS and UN are the only true dividend companies in The Netherlands. I like both a lot and for both I have a Drip installed! Works great.
      The coming months I will post new blogs. And who knows also some other Dutch companies.
      Good luck to you too.
      Cheers,
      Pollie

  3. Fab

    Just found your blog. We share the same goal to achieve FI by age 50 and I am also you age by the way. Looking forward to reading more on your blog.

  4. Christiaan

    Hi Pollie,

    I am also 41 years old and started a few months ago trying to build a nice portfolio.
    Your blog is very interesting and I hope to read more and learn of it.
    Is there a Dutch broker you can recommend?
    Keep up the good work and let your income grow.

    1. polliesdividend Post author

      Hallo Christiaan, thanks for stopping by!
      41 is still very young and you have enough time to build your portfolio. Within 15 years you cab have enough passive income.
      I’m using Binck as my broker.
      Let me know if you ‘re thinking about opening a binck account. We can get both €200 for transactionscost as a present from Binck.
      There are a lot other brokers with some con and pros.
      But read the fine lines (e.g from The Giro). Not all brokers are without risks.
      Come back soon and tell your investment story
      Cheers,
      Pollie

      1. Christiaan

        Hi Pollie,
        I have an account at deGiro and at Binck. If i want to reinvest my dividends then I think that Binck has high service fee, 10 euro against 0.50 + some cents.
        I understand the risk using deGiro, but is the risk a real threat?

        My investment story is simple, I want to create more performance then the basic savings-account. I tried Dutch stock, but I see little progress. So I try the US stocks with the monthly or quarterly dividend. I try to read a lot about this strategy using blogs like yours. Also I find the seeking Alpha and NASDAQ website a nice source of information.

        Christiaan

        1. polliesdividend Post author

          Hi Christiaan,
          If the risk is real? That is for everybody different. I think the risk is to high for using deGiro. First of all they put your money in a marketfund. And your can be hold accountable for loses of others. So it is a big no for me! But that is for everybody different.

          I agree the fees from binck are high. But the other cost are low. Lynx has lower fees but higher other cost.

          Waiting till a broker with lower of no cost comes to the netherlands. Just like loyal3 in the usa

          Cheers,
          Pollie

  5. Christiaan

    Hi Pollie,

    Now deGiro has changed his clearing partner, this means I now pay 30% tax in stead of the 15% for non USA people. This actions brings me almost to selling all by them and put in at Binck. There reply is a more or less answer, they are cheap at order costs but if I pay 15% too much dividend tax, they are expensive.

    Greetings

    Christiaan

    1. polliesdividend Post author

      Hello Christiaan,
      Wow what a message. They are cheap when buying stocks. But when you own stocks, you have to pay all kind of hidden cost. Unbelievable! And for me onacceptable. Thanks for the update!
      Cheers,
      Pollie

  6. Willie

    Hello Pollie & Christiaan, I’m a Belgian student, but I’ve been trying to invest with the limited amount available. I’m using Lynx as my broker. They charge 6€ per trade.

    1. polliesdividend Post author

      Hey Willie,
      Thanks for your input.
      If i look at the website of Lynx, i see the low rate.
      But i see other cost.
      e.g. cost for realtime stock prices, donation from money (terugboeken) and for taxes. But i can’t calculate all costs.
      But i looks good. I’m not sure. As a user can you tell me the real cost?
      cheers,

      Pollie

  7. christiaan

    Dear both,

    I put my portfolio at binck and reinvest my dividend using deGiro. So i can spread the risk and don’t pay high costs for buying small amount of stock.

  8. No More Waffles

    Pollie,

    Just discovered your blog through a comment you left on my site. It’s great to see you take things into your own hands to change your future.

    As a European (and neighbour!) I’m always interested in other European dividend growth investors. I’ll definitely follow along.

    Best of luck,
    NMW

  9. Amber Tree

    Hello,

    We seem to have a few things in common: almost the same age, kids and trying to be financially independent by 50/55 ish.

    I will be following your story. It will be interesting to see how you progress

    AmberTree

  10. RVD

    Just found your blog, also dutch, early 40 and since 2 years having a dividendportefeuille, looking forward to following you and compliments for the blog.

    RVD

    1. polliesdividend Post author

      Hello RvD,

      Welcome to my blog. It seems we are almost the same age, so i’m curious what your investment strategy is.
      Do you yourself blog about your portfolio?

      Cheers,
      Pollie

  11. Justme

    I also just found your blog when I was searching the internet for dividend information. I’m 40 years old and also dutch 🙂
    I don’t have a dividend portfolio yet, but gathering information which stocks to choose. I see there was a conversation concerning which broker. I’m using Today’s broker.
    Although I’m already 40…ahum….. 🙂 maybe a bit late but I want to start very soon. The current interest rates are killing me…inflation is higher, so dividend is what I need.
    My first position will probably be Realty Income Corp (O). It seems the current stock price is bottoming around $45.
    Best wishes and good luck.
    Justme

    1. polliesdividend Post author

      Hello justme,
      Thanks for stopping by!
      First of all…. 40 something is not old😁
      And it is never too late to start. The important thing is to start!
      $O I really like. So in my opinion this os a good start. Furthermore look at the dividend aristocrats. A complet list is made by and maintain by David Fish. This is a good place to start.
      Good luck with your journey!

      Cheers,
      Pollie

  12. Dividend Freedom

    Glad to meet another european Dividend Growth investor 🙂

    Keep up the good work, you are on the right path!

    Stay in touch!

    Dividend Freedom

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  14. Guggi

    Well Done Pollie,

    Starting on the same journey myself. I am 43 so its about time. Checked my bank account and had saved a nice sum of money but to what ends seeing it decreasing value due to inflation and low interest rates.

    We had a rather nervy time in Ireland the last few years which led to being financially conservative but we seemed to have turned a corner here now. Lessons learned by all I hope.

    Frustrating when you didn’t go crazy during the “celtic tiger”, saved for holidays, car, house etc and others borrowed wrecklessly and we all had to take the slack of re#building.

  15. Priya

    Hi Pollie, I am new to dividend investing and this is a great blog for anyone to get started with investments. Do you have recommendations for a broker now that you have experience in investments? I am looking at Degiro and Lynx.

    Regards, Priya

    1. Polliesdividend Post author

      Hello priya,

      Thanks for stopping by!
      I use Binck bank as my broker.
      This broker offers the best total package for me.
      I look at the cost (for everything, e.g dividend, stock info, price info, etc), how easy to use the site is, downtime and stability of the bank.
      This is a choice everybody has to make for him/her self

      Good luck with your choice, let me know if i can help you

      Cheers,

      Pollie

  16. Mr FOB

    Hi Pollie,

    Just discovered your blog. Nice to find another Dutch blogger in his forties aiming for FIRE around his fifties! I’ll catch up with your posts!

    Cheers,
    Mr FOB

  17. DividendSolutions

    Hey Pollie,

    just discoverd your blog – great work!! Keept it up- Your portfolio looks nice, i recognize a lot of names and some of them like Realty Income, Royal Dutch Shell, Omega Healthcar Investors or AT&T ar in my portfolio too. If you have the time you can check out my blog&portfolio (the blog is bilingual-english/german) here:

    https://dividendsolutions.wordpress.com/

    Greet’s from Germany
    DividendSolutions

    1. Pollie

      Hello DividendSolutions,

      Thanks for stopping by and taking the time to write a comment. I really appreciate this. And thanks for your kind words.
      I’ll visit your blog soon and I’m curious about your portfolio. But I think there a some great and big names in it 😉

      Cheers,

      Pollie

  18. Dividend Portfolio

    Hey Pollie,

    Also just discovered your blog. Interesting background. I’m almost 40 and I hate my net worth too. But, like you said, we can’t change the past. I started my blog last year. I can’t believe that I still enjoy reading, writing and updating the site. But, I’ve found that blogging is not just enjoyable, but it helps keep me motivated to reaching financial independence.

    I’ll definitely be adding your blog to my blogroll. As I’ve mentioned in other posts, I like your stock analysis and the way you lay things out. Looking forward to more great posts.

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