🔥 1 YEAR WITH THE CD HIGH-YIELD INCOME PIE 🔥

The honest truth: no sugar coating, no hype, just what has actually happened.

This latest dividend payment officially marks one full year of living with my CD High-Yield Income Pie and the IncomeShares-style products inside it.

And here are the real numbers:

Dividends received so far: £7,913.42
Projected next 12 months: £8,116.11
Projected monthly income: £676.34
Annual dividends shown: £8,181.73
Yield: 11.59%
Yield on cost: 12.43%

My High-Yield Income Pie is currently sitting at:

Current value: £12,297.48
Invested: £16,298.14
Current NAV loss: around £4,000
Position change shown: +£2,757.57 / +16.92%
Current pie weight: 16.7%
Target pie weight: 15%

So yes, let’s address the elephant in the room.

Do these products lose NAV?

Yes. They absolutely can.

That is what a lot of the negative people keep shouting about, and they are not completely wrong. The capital value can fall, sometimes heavily. These are not magic money machines. They are high-income products, and that income comes with trade-offs.

But here is the part people often ignore:

They create serious cash flow.

In one year, this pie has paid me £7,913.42 in dividends.

That is not theory.
That is not a spreadsheet fantasy.
That is actual cash paid into the account.

And the important bit is this:

I have not been pulling those dividends out and spending them.

Every dividend I received from this High-Yield Pie has been reinvested into my safer assets pie, which has also grown around 18% over the last year.

Now, can I say exactly how much of that safer pie growth came directly from the reinvested dividends? Not perfectly.

But honestly, I do not care that much.

Because what matters to me is not judging one pie in isolation. What matters is the full system.

My full 3-pie system is currently sitting around:

£12,700 up overall
Around 19% total return

That is the bit that matters to me.

The High-Yield Pie creates the cash flow.
The safer pie receives and compounds the cash.
The AI/Innovation pie gives me growth exposure.
Together, they work as a system.

And this is why I do not see this as a “dividend trap” for my own strategy.

If someone buys these products expecting the price to stay flat forever while collecting huge monthly income, then yes, they may be disappointed.

But if you understand the trade-off, track the full portfolio, reinvest intelligently, and use the income to build stronger parts of the portfolio, then it becomes a completely different story.

At the current pace, it will not take long before I have received my original investment back in dividends.

Once that happens, the mindset changes completely.

The capital risk will still exist, of course. I am not pretending otherwise. But once the original money has been returned through dividends, every future payday starts to feel like the machine is paying me with house money.

That is the goal.

Build the cash flow.
Use the cash flow.
Strengthen the wider portfolio.
Repeat.

This pie is not perfect.
It is volatile.
It loses NAV.
It gets criticised constantly.

But after a full year, my honest view is simple:

For my strategy, it is doing exactly what I bought it to do.

It has produced income, helped fund safer assets, and contributed to the overall portfolio growth.

And lastly, a massive thank you to everyone following along with this pie. There are now over 300 of you watching the journey, and I genuinely appreciate every single one of you.

I will keep showing the good, the bad, the ugly, the dividends, the NAV drops, the wins, and the mistakes.

No pretending.
No fake perfection.
Just the real journey to building long-term cash flow and financial freedom.