Xolali is a young blogger and investor, with a master's degree in financial management and another in international finance. He also worked for a French investment bank in the field of credit risks. He is of course passionate about the stock market and also about precious metals. Thank you Xolali for deciding to join the circle of dividendes.ch contributors and for taking the time to answer my questions.
Why did you decide to write for dividendes.ch?
Because I want to share my knowledge in the field of investments, financial independence and learn more about dividends through everyone's experiences.
What do you like about the growing dividend strategy?
The possibility of generating alternative income each year. The feeling that I am investing in a solid, profitable and shareholder-oriented group.
How did you come to follow this strategy?
As a long-term investor, I was looking for stable stocks that would allow me to have good capital gains and good profitability.
How long have you been investing in the stock market?
Virtually since 2009 and really since 2011.
Why did you decide one day to invest your money in stocks?
I had a project to create an investment fund when I was a business school student in 2008. Out of curiosity I created on boursorama.com a virtual portfolio with all the shares of the fund in question in March 2009. To my surprise this portfolio performed at +140% in just 18 months (101% today 5/11/14). This is notably thanks to stocks like Vinci, Seb or Legrand SA which were in continuous growth. I therefore decided to open a real account in 2011 in order to place part of my savings in it.
Do you remember your first purchase?
Very well yes, I was in sissy mode at the time ^_^. I had bought shares Vinci in September 2011 which went from 33€ has 56€ in June 2014. These stocks were part of my virtual portfolio, so I already had some knowledge about them. Today they have gone back down to €45 but I am still satisfied with this investment especially with a dividend of €1.77/share.
As an investor, did you experience the bursting of the internet bubble and the subprime crisis? What memories do you have of them today and what did you learn from them?
I wasn't interested in economics during the dot-com bubble, but I learned that you have to be careful with investment fads. Regarding the subprime crisis, I was in the middle of studying this subject so I was able to see the different parts of this crisis and the impact it had on the international level. I learned that you should never take out a variable rate loan and that you should at all costs be financially educated before investing.
What do you do for a living? Do you have a job or are you already a rentier?
I am currently not working. I took some time for myself to advance my personal projects (blogging, mobile applications, writing a book). I was working as a management consultant. I am currently looking for a job because I am not yet financially independent.
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“As a long-term investor, I was looking for stable stocks that would allow me to have good capital gains and good profitability.”
"Out of curiosity, I created a virtual portfolio on boursorama.com with all the shares of the fund in question in March 2009. To my great surprise, this portfolio performed at +140% in just 18 months."
With writings like these, you completely discredit yourself.
I understand your point Lopazz but you have to put the sentence in context to better understand. I'm talking about the time when I was a student and I was discovering the stock market, so I didn't know what these shares would yield.
Otherwise, "long term" means that I am not trading by buying and then quickly selling my stocks.
Like everyone else, I want to make capital gains, but it is the market that decides that.
On the other hand, for dividends, it is the companies, hence my personal choices.
Welcome Xolali,
I look forward to reading your articles.
Martin
Thanks Martin, it's coming very soon 🙂
Good morning,
It's always nice to see people who take the plunge and who have convictions. It's not by staying in a Livret A that you can get rich...
A quick side note: I think that someone who announces that after a few years, they make 50% per year or are a "professional with proven methods" discredits themselves much more than someone admitting to having started with a virtual portfolio on Boursorama and Vinci.