Net Worth It

Nestor - Dividend Tracker
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Net Worth It is the UK dividend investing podcast that shows you the number that actually matters, what you keep. Your broker shows you gross yields, but after withholding tax, FX fees, and UK tax, the real number is always lower. Each week, Matt and Sophie break down the hidden mechanics behind your dividend income: tax traps you didn't know existed, ISA and GIA placement strategies, the true cost of holding foreign stocks, and how to track your real path to financial independence. Built for UK investors who want the full picture behind their portfolio, not just the headline yield. New episodes every Tuesday. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

الحلقات

  1. قبل ٦ ساعات

    The Power of £200 More Per Month

    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 obvious: how do you actually close the gap? Your instinct might be to find stocks with higher yields. But here's what the maths shows: on a £30,000 portfolio, adding just £200 per month is 8 times more impactful than finding a 1% higher yield. That's because £200/month is £2,400/year going to work for you — compared to £300/year from a yield improvement. Two investors, same starting portfolio of £30k, same 4% dividend yield. Investor A contributes £300/month. Investor B contributes £500/month — just £200 more. After 10 years: £29,450 difference. After 15 years: £49,000 difference. After 20 years: £73,000 difference. Each pound you put in early gets time to generate its own dividends, which get reinvested, which generate more dividends. Using Episode 3's independence target of £706k for £24,000/year net income: at 4% yield, that extra £200/month saves you 8.3 years. At 7% total return, it saves you 4.4 years. That's years of freedom gained from one decision about how much to contribute each month. And it's timely: your £20,000 ISA allowance expires April 5th with no carryover. Any contribution now captures tax-free growth you can never get back. You don't need £200 all at once. Even £50 more per month, bonuses, tax refunds — they all create meaningful compounding. Your contribution rate is the one variable you fully control. See what different contribution assumptions look like for your own portfolio: adjust the monthly contribution in Nestor's independence settings and watch your timeline shift immediately based on your actual numbers, your actual portfolio, your actual situation. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.u,

    ١٣ من الدقائق

  2. قبل يومين

    ISA vs GIA: Where Your Dividends Should Really Live

    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 through concrete examples to show when the ISA is clearly better, when the GIA can be just as good, and why your tax band and the £500 dividend allowance change the maths. They cover how Double Taxation Relief (DTR) works on US dividends, why UK dividend stocks belong in your ISA first, and how the same US holding can have identical net yield in an ISA and GIA for basic-rate taxpayers – but not for higher-rate taxpayers. Finally, they show how Nestor’s portfolio view helps you see wrapper, domicile, and net yield side by side so you can understand where tax is quietly eating into your income.

    ١٠ من الدقائق

  3. ١٩ فبراير

    The Global Yield Map: What Your ISA Really Keeps

    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 4.5% only nets you 3.8% after 15% withholding tax and FX fees. The lower-yielding UK stock actually pays you more. And it gets worse: Switzerland withholds 35% upfront, turning a Nestle yield of 3.9% into just 2.5% — unless you manually reclaim the difference through a 6-to-12-month paperwork process. France is the European bright spot at 12.8%, while Germany sits at 15% after treaty reclaim. This episode introduces the breakeven yield rule: a US stock needs roughly 5.9% gross to match a UK stock at 5% net, and a Swiss stock needs 7.7% without reclaim. But going all-UK means heavy concentration in banks, energy, and mining — the FTSE 100's top 10 holdings make up nearly half the index. The real question isn't whether to avoid foreign stocks, but whether the diversification is worth the price tag. Use Nestor's portfolio view to see the net yield for every holding — after withholding tax and FX fees — broken down by country, so you can make that decision with real numbers. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

    ١٠ من الدقائق

  4. ١٧ فبراير

    Yield Traps: When 10% Becomes 0%

    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, not offering a gift. When a company's fundamentals deteriorate and the share price collapses, the yield formula spikes mechanically, creating a "yield trap." The dividend gets cut, the share price falls further, and you're left holding a stock that pays nothing on a shrunk portfolio. This episode walks through real examples — Vodafone's 10.8% yield followed by a 50% cut, AT&T's 47% cut, and Intel's 66% cut — revealing the five red flags: payout ratio above 100%, declining earnings, rising debt, sector headwinds, and management silence. You'll also discover why dividend growers outperformed high-yield stocks by nearly 2.4x over 50 years, and how a modest 3% yield growing at 8% per year eventually beats a flat 6% yield. Use Nestor's dividend history and growth trend features to see which of your holdings are growing their income and which are flashing warning signs. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

    ١٠ من الدقائق

  5. ١٢ فبراير

    Your FIRE Number in Net Dividends

    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 returns — and for UK dividend investors, the number that actually matters is what lands in your bank account. After US withholding tax, FX conversion fees, and UK dividend tax, a 4% gross yield can shrink to as low as 2.67% net. This episode walks through three scenarios — ISA with US stocks, basic rate GIA with UK stocks, and higher rate GIA with US stocks — showing how your required portfolio jumps from £600,000 to £706,000, £656,000, or even £900,000 depending on your setup. It also reveals the one scenario where 4% gross actually equals 4% net — and why it comes with its own trade-offs. Use Nestor's Independence Journey feature to see your projected path based on your actual net yields, not textbook assumptions. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

    ١٢ من الدقائق

  6. ١٠ فبراير

    The £500 Allowance Trap

    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% to 39.35% in dividend tax depending on your income band. And from April 2026, those rates climb higher. This episode breaks down the allowance, walks through a £30,000 portfolio example, explains why US stocks in a GIA hit you twice, and shows you how to calculate your actual exposure using Nestor's allowance tracker. The gap between what your broker shows and what you actually keep is wider than you think. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

    ١١ من الدقائق

  7. ٥ فبراير

    What Really Happens To Your US Dividends

    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 tools to track your true net income and make smarter investment decisions. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

    ١٠ من الدقائق
  • ٧ حلقة

حول

Net Worth It is the UK dividend investing podcast that shows you the number that actually matters, what you keep. Your broker shows you gross yields, but after withholding tax, FX fees, and UK tax, the real number is always lower. Each week, Matt and Sophie break down the hidden mechanics behind your dividend income: tax traps you didn't know existed, ISA and GIA placement strategies, the true cost of holding foreign stocks, and how to track your real path to financial independence. Built for UK investors who want the full picture behind their portfolio, not just the headline yield. New episodes every Tuesday. From the team behind Nestor – Dividend Tracker https://www.nestordividendtracker.co.uk

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    Nestor - Dividend Tracker
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