Hi! I’m from Germany and in my early 30s. Coming from a freelance background without ever saving a penny, I started my first permanent job in the IT-Industry earlier this year(2014). With this new constant income I’ve searched something to invest in.

On my search I’ ve found Jasons Blog (“Dividend Mantra” – unfortunately he sold his site) and I think it would be appropriate to say, it was him who planted the idea of this journey in my head. I’ve considered Index Investing first, but soon realized, that I have a much more risk attached strategy in mind and that I’m no fan of the 4% withdrawal rule. But it wasn’t only about the way to actual invest my hard earned money. First, by reading Jasons Blog, I’ve learned about the power of frugality. I realized, it’s much easier to reduce monthly costs than to increase the net income. So I did this first. I’ve never had a spender mentality but after checking every single monthly payment and cost attributes – I’ve realized there was much to be gained. It felt great! I identified and reduced many unnecessary expenses and additionally I finally could put it in numbers – before I was only guessing the amount of my monthly costs.

The next step after I’ve successfully minimized my expenses was to find the right investment strategy. I’ve learned about Dividend Growth Investing and the idea of generating an ever increasing Passive Income Stream. I discovered many inspirational Blogs with a variety of different stock selections and opinions. Slowly, I’ve come up with a strategy, which would fit my personal requirements and Goals.

At the start of my investment journey I will consider mainly high yielding opportunities to gain much more momentum at the beginning. As I’m not depending on the invested money I’m willing to accept the attached risks. But I will start adding quality companies along the way when there are opportunities.

Thank you for reading! I hope you’ll enjoy my blog and please feel free to comment!

Disclaimer: I am in no way a professional trader nor a certified investment advisor. Many of my stock selections are very risky and I wouldn’t recommend this to anyone! I am not liable for any losses suffered by any parties.

14 thoughts on “About

  • February 10, 2015 at 4:35 am


    Thanks for the kind words. I’m glad you found some inspiration in my blog. Inspiration is exactly why I work so hard, share so much, and put out the best content I can.

    Sounds like you’re definitely on the right path here. Your huge savings rate will allow you to quickly build a high-quality portfolio.

    Keep up the great work. Looking forward to seeing where you’re at by the end of the year. Great things are still ahead!

    Best regards.

  • February 25, 2015 at 12:03 am


    thank you very much for commenting! I will work very hard to get the saving rate as high as possible without sacrificing my quality of living. I’m also very curious about where my journey lead me by the end of the year. Hopefully I’ll reach all my goals!

    Thank you for your inspiration!

  • April 25, 2015 at 8:15 pm

    Hi DR,

    Welcome to the wonderful world of FI, you choose one of the best as Dividend Mantra for your inspiring model.

    You will find our quest very interesting and you will enjoy writting.



    • May 1, 2015 at 2:48 am

      Hi RA50,
      thank you for your comment and encouragement!
      Best of luck to you!

  • May 2, 2015 at 6:55 pm

    Man, you have many awesome opinions here. First, I love the picture at your header. I can imagine myself in there on a beach, having a drink and enjoying my life…
    I also do not like the 4% withdrawal strategy. I think that’s for suckers who mostly outlive their portfolios, so good job you sat down and did some research finding other ways to save and create income without touching a principal generating that income. In that case you will never need to worry about the overall value of your portfolio. A panic sell off on Wall Street? Who cares as long as you get your increasing dividends. So while 4 percenters will tremble and panic, you will end up laughing and buying more shares.

    Good luck!

    • May 3, 2015 at 2:12 pm

      Martin, thank you very much for your nice comment!
      One day I will put the dividend rider into the header picture – so you could see me riding on a wave of ever increasing dividends while enjoying a drink on the beach. At the moment the wave consists only of a few splashes, but soon there will be the very first tiny wave with more bigger waves to follow. 🙂

      And you’re right about the panic sell off – but with one limitation. You’ll only keep calm if you bought quality stocks before. For example, a business development company(BDC) which gets dumped and received a market price far below his net asset value(NAV), will not be able to issue new shares without further erosion of NAV and thus destroying the underlying business. This wouldn’t let to sleeping-well-at-night situation. So these risks are something to be considered while adjusting the composition of a personal portfolio.
      Thanks again and best of luck to you!

  • June 20, 2015 at 1:39 pm

    Hi, I like your strategy. Unlike yourself I started at early forties and my first picks were in the 4% plus yield range to build my 150k portfolio. Now I am adding higher DG stocks through the income stream. It workes well. Good luck!

    • September 14, 2015 at 10:58 pm

      DGI, thank you for visiting my blog!
      I hope the strategy will work for me as well – we’ll see in some years. Currently I’m burned by chasing the yield of the various offshore drillers as you can see in my portfolio page.
      Good luck to you too!

  • September 16, 2015 at 6:50 am

    Thank you for sharing this blog with us and your journey DivRider. It’s nice to be travelling along with like minded friends. Like you, I was also influenced by Jason at Dividend Mantra. He’s a wonderful person and has planted the seed in me on Dividend Growth Investing.
    Hope we have a wonderful time on this awesome Ride my friend.
    Hope to see many posts. Cheers.

    • September 16, 2015 at 3:15 pm

      thanks again for your visit and comment!
      This journey is going to be awesome! I’m really glad to have you on board.
      And I’m looking forward to your next post, too!
      Cheers & good luck

  • February 22, 2017 at 5:19 pm

    I just started a Net worth Blog, I would like you to check out my portfolio if you have the time.

    Any feedback would be appreciated

  • March 13, 2017 at 8:15 am

    Nice to find a fellow dividend investor in Central Europe, and blogging in English… keep up the good work. I am thinking of starting a blog too, to document things in a more easy manner… what platform would you recommend?

    Beste Grüße!

  • March 13, 2017 at 10:58 pm

    Hi Petinga,

    thanks for your visit & comment! Yes, please start to blog. It’s a good opportunity to learn to write in English (I only was used to read in English) and to create an archive for your journey which is going to be very long.

    I’m using WordPress because it’s easy to maintain (automatic updates) and you can easily customize the theme. I’d further recommend to put your portfolio/dividend payments/goals etc. into Google Spreadsheet and embed it in your blog, so you don’t have to repeat the update of your positions in the blog. You’re only managing your Spreadsheets and the updates will appear automatically on your blog.

    If your going to buy your own domain, I’d check if you could hide your address from the domain name registrar in your country. In Germany this is not allowed, so I had to registrate the domain in the US.

  • May 8, 2017 at 5:16 pm

    Hi, I have moved my site over to http://othalafehu.com any of my old wordpress subscribers(like you) would need to go to the new site and resign up for email alerts about new posts, thanks!


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