Let me explain how I would go about it if I was starting from scratch today!

Work work work work work

The first thing I’d do is open a Stocks and Shares ISA. This is a great vehicle to invest with, in my view. Plus, as I’m going to aim for dividend stocks, these types of ISAs protect my juicy dividends from the tax man.

Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions.

Next, I need to formulate an investment strategy. As I’m looking to capitalise on dividends, I’m looking for the best stocks with potential for regular payouts, as well as growth to protect my future pot of money.

If I had £20K today, and decided to add £200 per month to this to top it up, I could be left with £337,008 after 25 years, at a rate of return of 8%. This is thanks to the magic of compounding.

Drawing down 6% annually, and converting that into a monthly amount, I would have an extra £1,685 per month to spend later in life on whatever my heart desires.

From a bearish view, I need to remember that dividends are never guaranteed, and are only paid at the discretion of the business. They could be cancelled, so my stock picking is vital. Next, 8% isn’t overly ambitious. However, I could end up earning less, which would leave me with less money at the end of my plan.

Solar energy

One stock I reckon could help me achieve my aim is US Solar Fund PLC (LSE: USFP).

I see energy, especially renewable greener alternatives, as an exciting growth market. Firms in this space could provide returns now, and in the future. US Solar’s wide presence across the pond is a draw for me. Plus, it has a good track record and an attractive current level of return.

The shares offer a dividend yield of close to 10% at present. This has been inflated slightly due to a falling share price, but I’m not overly concerned by that. I believe it’s linked to short-term economic volatility. Plus, it’s election year across the pond, and the possibility of Donald Trump winning could be an issue.

If the former president comes back into power, green initiatives in the US could be pushed back. This could hurt US Solar Fund’s earnings, growth, and returns.

Another risk is that solar assets aren’t easy or cheap to set up and maintain. This could have an impact on returns too.

Moving back to the good stuff, energy is a basic requirement for all, no matter the economic outlook. This can help keep earnings stable. As sentiment towards the need to move away from traditional fossil fuels continues to ramp up, I reckon growth could be on the cards for US Solar Fund.

Finally, the shares look undervalued to me. This is based on their current share price of 36p, and their net asset value of 75p per share.

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US Solar Fund (LSE:USFP) is one such company on my own shopping list today. For the current financial year, its dividend yield clocks in at a staggering 10.5%. This is well above the FTSE 100 average of 3.5%.

If broker forecasts prove accurate, a £15,000 investment in the company would provide a substantial £1,575 passive income.

And that’s just for this year. I’m confident the company will steadily grow its dividends over time too.

Shareholder payouts are never guaranteed, of course. But here’s why I think the fund could be an excellent income share for long-term investors to consider.

Sunny outlook

As its name implies, US Solar Fund invests in solar power assets on the other side of The Pond. This can have two big advantages for dividend investors.

Firstly, the static nature of energy demand means cash flows remain stable at all points of the economic cycle. And so power producers like this — which have their customers locked in to long-term offtake agreements — are famously reliable dividend payers year after year.

Secondly, renewable energy businesses have significant scope to grow earnings as green power gains share from fossil fuels. This in turn bodes well for future dividend growth.

I like this particular fund given how supportive state and federal policy is towards renewable energy fund is in the States. US Solar Fund owns 41 projects spread across California, North Carolina, Oregon and Utah.

Risks

That said, there’s some uncertainty for the country’s green energy industry ahead of November’s election. A win for Donald Trump could see a reduction in tax rebates and introduction of other unfavourable measures.

One other thing to remember is that renewable energy generation can be highly unpredictable. US Solar Fund’s total power output was 11.6% below expectations during January-March due to what it said was “below forecast solar irradiance”.

However, the fund still had the means and the confidence to pay a first-quarter dividend of 0.56 cents per share. And so it remained on course to pay its planned half-year reward of 2.25 cents. The company has a $20m revolving credit facility it can call on to support its capital allocation plans.

Great value

Like any stock investment, renewable energy shares are not without risk. But on balance I think US Solar Fund is a top dividend stock to consider today, and especially at current prices.

At 34p per share, it carries that enormous 10%+ dividend yield, as described earlier. It also trades at a near-40% discount to the value of its assets. Its net asset value (NAV) per share stands at around 75p.

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Here comes the sun

Renewable energy stocks could prove to be highly lucrative investments over the next decade. It’s why I have bought shares in green energy giant The Renewable Infrastructure Fund in 2022.

We all know that demand for clean energy is set to boom in the coming decades as the climate emergency intensifies. The International Energy Agency thinks renewable energy capacity will rise 60% between 2020 and 2026, to 4,800 GW.

Funds that invest in green energy could deliver exceptional profits growth in this environment. But this isn’t the only reason why I like them. Because electricity is an essential commodity, these shares also have defensive qualities that provide excellent earnings stability. This is something that is particularly attractive to me as someone seeking reliable dividend income.

Today, I’m also considering increasing my exposure to renewable energy stocks. And I’m thinking of doing it by investing in US Solar Fund (LSE: USF).

The business met its dividend target of 5.5 US cents per share in 2021. It plans to raise the annual payment by a steady 1.5%-2% in the years ahead too.

Made in the USA

As its name suggests, this share is focussed on the United States. This is what makes it particularly attractive to me.

The US has long been one of the most favourable territories for renewable energy stocks to operate in. And things have got even better this week too when the Inflation Reduction Act became law. The act commits $370bn worth of spending on green energy infrastructure and will provide juicy tax credits to firms like US Solar Fund.

Renewable energy stocks like this of course carry risk. During periods of unfavourable, weather profits could take a hit if power generation slips. But over a long time horizon, I believe US Solar Fund should still prove a lucrative UK share to own.

High voltage

Gore Street Energy Storage Fund (LSE: GSF) could be another highly profitable way to play the green energy revolution. This is despite the company’s currently high debt levels.

Power generation from solar and wind is unpredicable. And so technology is needed to store electricity during productive periods. This enables a constant flow of electricity when the sun doesn’t shine and winds are low. This is what Gore Street specialises in.

The business owns a string of battery storage assets in Britain, the US, Germany and Ireland. And it is aggressively expanding its portfolio at the moment. Total battery capacity soared to 628.5MW as of March, up 65% year-on-year.

I also like Gore Street because of its potentially lucrative dividend policy. The company is targeting annual dividend payments based on a 7% yield on the average NAV per share. This is subject to a minimum payout target of 7p per share. That 7p minimum yields a healthy 5.9% at current prices, by the way.

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Kropz

What it does: Searches for and produces rock phosphate in Africa.
Price: 8.5p per share

Producing enough food to go round is becoming increasingly hard as population levels rise and global warming worsens. It’s why companies like Kropz (LSE: KRPZ) will play a critical role in the food industry in the decades to come.

This penny stock mines for rock phosphate in Africa, the basic material that’s then used to produce phosphate fertilisers. Virtually all of these types of fertiliser are based on rock phosphate, a raw material that Kropz hopes to produce from its Elandsfontein open pit project in South Africa later in 2022.

Kropz also 100% owns the Hinda rock phosphate asset in Republic of Congo. The business has said that the project could be “one of the world’s largest undeveloped sedimentary-hosted phosphate reserves.”

Production problems

Operational news from the firm hasn’t been hugely encouraging recently. In April it warned of production issues at Elandsfontein that would push its first bulk sale of rock phosphate further back into Q2.

This delay also means Kropz has had to raise ZAR58m, it said. It’s done raise this by drawing down remaining funds from a conditional convertible equity facility and by sealing a bridge loan facility.

A big market

Buying mining shares can always be considered risky. Problems at the exploration, mine development and production stages can be commonplace. And as Kropz has shown, this can be particularly problematic for smaller operators with no revenues and fragile balance sheets.

Still, it’s my opinion that this is an attractive penny stock for me to buy. First off, its projects in Africa are potentially world-class assets. And secondly the business could profit considerably from soaring fertiliser demand.

Analysts at Grand View Research think the phosphate fertiliser market will grow from $63.81bn today to a whopping $176.06bn by 2040.

Corero Network Security

What it does: Provides products that protect websites from cyber attacks.
Price: 12.25p per share

The Covid-19 crisis had led to a sea change in employee expectations. In particular demand for more flexibility in regard to working arrangements has taken off. This bodes well for many businesses that supply software and IT services like Corero Network Security (LSE: CNS).

This particular tech stock provides protection against so-called Distributed Denial-of-Service (or DDoS) attacks. These malicious actions work by attacking a website with large amounts of fake traffic to cause a crash.

With more and more people working from home the opportunity for cyber criminals to wreak havoc is growing. Companies are therefore are having to spend huge amounts on tech security to plug their vulnerabilities. Corero itself saw revenues rocket 24% year-on-year in 2021.

A small player

The problem for Corero Network Security is that it’s tiny compared with the industry’s big beasts. Today the penny stock has a market cap a shade above £60m.

Compare this with the multi-billion (and even trillion) dollar valuations that businesses like Microsoft, NortonLifeLock and McAfee command. Corero then has a fraction of the budgets that its US heavyweight rivals have to develop and market their products.

Making great progress

Corero will have to paddle extremely hard to avoid being swept away by the competition. But having said that, I find the rate at which the UK underdog is winning business highly encouraging. And it could continue to impress as the global cybersecurity market rapidly grows.

Researchers at Quince Market Insights think this sector will expand at a compound annual growth rate of 12.5% between now and 2028. They say the cybersecurity industry will be worth a gigantic $418.3bn by then.

US Solar Fund

What it does: Invests in solar farms in the US.
Price: 88 US cents share

Investing in renewable energy stocks is also appealing to me today. I’ve taken the splash in recent weeks by buying shares in solar and wind farm owner The Renewables Infrastructure Group. I’m considering increasing my exposure by snapping up stock in US Solar Fund (LSE: USF) as well.

As the name suggests, US Solar Fund is focused on creating green energy from photovoltaic cells in the States. Its assets can be found predominantly in North Carolina with the remainder in Oregon, California, and Utah.

Favourable locations

The problem with renewable energy is that it’s sometimes more difficult to generate than electricity from fossil fuels. In the case of US Solar Fund, power generation can tumble during cloudy periods. This can have a significant impact on near-term profits and, by extension, shareholder returns.

The good news for US Solar Fund, though is that the four states it operates in receive more sunshine than the national average. The places in which its assets are located are also well distanced from one another. A wide geographic footprint helps mitigate the impact of poor weather in one or two places at group level.

I also like US Solar Fund because of the favourable legislative conditions in the US that makes it easier to operate. In fact President Biden this week announced plans to halve the amount it charges companies to build wind and solar projects on federal land in a bid to boost investment.

A top dip buy

Demand for renewable energy is soaring as public awareness over the climate change issue grows. The West’s need for clean electricity is set to increase further it tries to wean itself off Russian oil in particular.

The US Solar Fund share price has reversed sharply over the past year. And as someone who invests for the long term, this has attracted my attention. It’s my opinion that this penny stock could deliver excellent returns over the next decade and potentially beyond.

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Assurance and risk management business DNV expects electricity consumption worldwide will rise 10% between now and 2050. It predicts that green energy consumption will soar past demand for fossil fuels too.

DNV also thinks solar power will account for between 40% and 45% of all electricity by the middle of the century. It predicts too that wind power will be responsible for between 30% and 35%.

3 renewable energy stocks I’d buy

So which renewable energy stocks should I consider buying for my portfolio? Here are three green power giants on my radar right now.

#1: US Solar Fund

As DNV says, solar power looks set to be the most popular form of green power going forward. This is why I think buying US Solar Fund could be a good idea.

You may have guessed that this fund focusses on investing in solar farms in the US. This is another reason I like this particular energy share as government support for the solar sector is particularly strong in the States.

One problem with solar power is that the pollution it emits is higher than that of other renewable sources. This means legislation helping the industry might not be as favourable in the future.

Still, as things stand today, I believe the potential rewards of owning US Solar Fund shares outweigh this risk.

#2: Greencoat Renewables

I also like Greencoat Renewables because of its geographic footprint. In this case, its assets can be found in Ireland, France, Spain, Sweden and Finland.

This is important because power generation from renewable sources can be extremely unpredictable. When the sun doesn’t shine and the wind doesn’t blow, profits can take a significant hit.

The uncertainty related to weather conditions is still a risk to Greencoat Renewables, which focuses almost entirely on wind farms. But, in my opinion, it offers more security than businesses whose assets cluster around a smaller area. It can realistically expect favourable weather conditions to reign in some of its territories at all times.

#3: Gore Street Energy Storage Fund

The erratic nature of renewable energy generation actually plays into the hands of firms like Gore Street Energy Fund.

This renewable energy stock buys and builds battery storage assets which accumulate power and deploy it as and when needed. It therefore plays a critical role in keeping the flow of electricity moving when power generation from wind turbines and the like begins to drop.

Gore Street is focused on the UK and Ireland, though its current pipeline is geared toward expanding in the US and Western Europe. Demand for its services looks set to grow rapidly as the number of green energy projects soars.

I’d buy Gore Street even though rising competition in the energy storage industry poses a potential threat.

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An exciting electric car stock to buy

The Bradda Head Lithium (LSE: BHL) share price has more than tripled in value over the past year. Strong drilling results at the firm’s lithium projects in Arizona, and signs of growing demand for electric vehicles (EVs), have helped power the business higher. To illustrate the point, Bradda Head’s latest exploration update in January suggested that confirmed resources at the Basin East project will be “significantly larger” than previous forecasts. Fresh news on drilling work is being released in the current quarter.

Lithium is a key component in helping EVs to move around. And Bradda Head’s assets — it also owns a couple of lithium brine assets in Nevada — are located very close to EV car-building country. Tesla’s Fremont facility is in California and its under-construction Nevada gigafactory is just up the road too. There are also many battery manufacturers located around the West Coast to which Bradda can sell its lithium as well.

EV sales look set to soar

Of course Bradda Head has a long way to go before it can start pulling its lithium out of the ground. And any setbacks on this front could have a significant impact on the company’s share price. That being said, I think the quality of the firm’s assets and bright forecasts for EV demand in the years ahead still make the stock a top buy today. The International Energy Agency (IEA) said annual EV sales will reach 25.8m a year by 2030 (based on green policies in mid-2021).

That being said, recent news flow suggests that actual sales could actually exceed even the IEA’s super-bright forecasts. Just last week US President Biden announced plans to boost EV sales by investing $5bn in the country’s charging network. I’m expecting new ambitious plans from across the globe to follow as nations strive to achieve their emissions targets.

Another green penny stock I like

Sticking with the green theme, I think US Solar Fund (LSE: USFP) could also be a great share to buy as demand for renewable energy soars. As the name suggests, this London-listed penny stock specialises in generating energy from photovoltaic panels in the US. More specifically its assets can be found in California, North Carolina, Utah and Oregon.

I like US Solar Fund because it operates in a country where legislation is particularly encouraging for renewable energy stocks like this. I’m also a fan of the fund because it continues to make progress in building its portfolio. Earlier this month it acquired an extra 25% stake in the 200 MW DC Mount Signal 2 solar plant in Southern California. This takes its total holding to 50%.

US Solar Fund could suffer temporary profits trouble if the sun fails to shine. The company doesn’t make any money if it isn’t making energy! But from a long-term view, I still think this penny stock could deliver excellent returns if I buy.

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A renewable energy stock on my radar

Things are looking extremely sunny for renewable energy stock US Solar Fund (LSE: USFP) as we move into 2022. Industry analysts are expecting demand for green electricity to pick up the pace as the battle against climate change steps up.

In a recent report, Deloitte, for example, said that it expects growth in the US renewable sector to accelerate next year. It reckons the industry will grow as “concern for climate change and support for environmental, sustainability, and governance (ESG) considerations grow and demand for cleaner energy sources from most market segments accelerates”.

Government support for green energy specialists is particularly helpful in the States. This is another reason why I like US Solar Fund specifically — the assets it’s invested in are located in California, North Carolina, Utah and Oregon. I’d buy this penny stock even though the intermittent nature of solar power generation can often cause profits turbulence.

A great inflationary hedge

I’m also thinking of buying Solgold (LSE: SOL) to protect my portfolio from the ravages of inflation. This is because the precious metal the penny stock produces attracts greater buyer interest when fears over paper currencies rise, in turn pushing prices higher.

Latest data from the World Gold Council shows how investment in gold-backed ETFs is hotting up. But it’s not just individual investors who are ramping up their exposure to the safe-haven metal. Developed central banks have added to their gold reserves for the first time since 2013, the WGC notes, with Ireland and Singapore making their first purchases since 2008 and 2000 respectively.

The World Gold Council recently suggested that gold purchases from central banks could hit 450 tonnes in 2021. That’s up considerably from the 255 tonnes they collectively snapped up last year. I think there’s a good chance bank policymakers will keep bulking up their assets in 2022 and beyond too.

Another dirt-cheap UK share

Tharisa (LSE: THS) is another precious metals producer I think stands to gain from the inflation boom. Like gold, platinum group metals (PGMs) also rise in value when inflation increases. They could also keep moving northwards if the Covid-19 crisis continues to roll on. 

Conversely, though, values of the PGMs Tharisa produces could rise if the economic outlook brightens. This is because industrial demand for the dual-role metals would likely improve. In this way I think Tharisa’s a great way for me to hedge my bets.

Of course there’s no guarantee that gold or PGM prices will rise. They could reverse for a variety of reasons, spelling trouble for Tharisa and Solgold’s top lines. What’s more, profits could take a hit if production problems occur. This is an ever-present threat to companies like these. As things stand today, though, I think both are highly attractive from a reward-to-risk perspective.

The post 3 cheap UK shares (including 2 penny stocks) to buy for 2022! appeared first on The Motley Fool UK.

I don’t think this rating properly reflects Finsbury Food’s exceptional progress in overseas territories, for one. Revenues from its European markets jumped 13.4% year-on-year during the 12 months to May. I also like the investment its making in machinery, such as boosting artisan bread capacity by half to capitalise on soaring demand for fancy breads. Finsbury Food trades at 96p per share right now.

Another penny stock on my radar

There’s no shortage of top housebuilding shares that offer great value today. One that’s attracted my attention is Inland Homes (LSE: INL). At 53p per share, the construction business trades on a P/E ratio of below 8 times. It’s not the sort of valuation I think reflects the strength of trading here recently.

Inland Homes enjoyed record profit of £195m in the 12 months to September, financials this month showed, while its order book for partnership housing leapt 56% year-on-year to £164.7m.

It’s possible that booming inflation in Britain might prompt severe interest rate hikes by the Bank of England. This could, in turn, damage broader homes demand as buyer affordability comes under the cosh.

There’s also the danger that severe supply chain issues hitting the building materials market could persist. This could cause sustained cost pressure and even damage production rates if the company fails to source product. Still, it’s my opinion that these risks are baked into Inland Homes’ rock-bottom valuation.

A top renewable energy stock

Grabbing a slice of the renewable energy market is also on my investing wishlist today. The COP26 climate summit this month underlines how investment in green power looks set to explode. And as a share investor this gives me the chance to make some decent profits while helping to fight the climate crisis.

US Solar Fund (LSE: USFP) is a penny stock I’m considering buying to ride this phenomenon. As the name implies, this UK share invests in solar farms that are located in the States, more specifically in North Carolina, California, Utah and Oregon. This gives it an edge against many other renewable energy stocks.

US legislation surrounding green energy is also some of the most favourable towards operators like this anywhere on the planet.

A word of warning however.  Generating energy from the sun can be extremely unreliable, even in the US. Maintaining solar farms can also be an expensive business and this can eat into profits. But despite these risks, I still think US Solar Fund could be a great share to buy and own for the next decade. Today, the company trades at 72p per share.

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A penny stock for the cannabis boom

A flourishing medicinal cannabis market could make Kanabo Group (LSE: KNB) one of the hottest growth shares for this decade. The penny stock manufactures cannabidiol (CBD) oil products as well as the medical-grade VapePod vaporiser. It hopes its cutting-edge vaporiser technology in particular will help it put a dent in the hugely-competitive CBD market and deliver splendid long-term earnings growth.

The news coming out of Kanabo in recent months has been highly encouraging on two fronts. It has signed an accord with Medocann Group to develop new medical products. Meanwhile, Materia Malta (with whom Kanabo agreed to merge with over the summer) received a licence to begin producing cannabis for medicinal and research purposes.

Investors need to remain aware that Kanabo lacks the financial clout of the US heavy-hitters in this fledgling industry. It could therefore be squeezed out of the market as they have more to invest in their products and marketing. Kanabo is also at the pre-revenues stage (excluding a recent small pilot programme), and further share placings could be needed to help it get off the ground.

I’m extremely tempted to buy Kanabo shares right now. But my concerns over the intense competition it will face when it finally gets to market are holding me back. I might ultimately miss the boat. But I think I’ll wait until a clear picture on its early sales performance and the reception of its products emerges before investing my hard-earned cash.

Solar superstar

I’d be much happier to spend out on US Solar Fund (LSE: USFP) this November. As the name suggests, this penny stock invests in solar farms on the other side of the Atlantic. I think it’s therefore on course to capitalise on soaring demand for renewable energy as the climate emergency worsens.

There’s no guarantee that US Solar Fund will generate better shareholder returns that Kanabo, of course. For one, the amount of energy generated by solar panels is obviously highly sensitive to weather patterns. Overcast conditions can have a significant impact on this and, by extension, revenues at solar farm operators. There’s also the fact that operating vast swathes of solar panels is pretty expensive business.

These drawbacks wouldn’t discourage me from investing however. The global solar market is tipped for huge growth over the next decade as fossil fuels fall out of favour. Trends Market Research recently suggested that the global market will be worth $223.3bn by 2026. That compares with a value of $52.5bn in 2018. And the US is one of the friendliest on the planet when it comes to solar policy, putting US Solar Fund in great shape to exploit this opportunity to the fullest.

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Over this kind of timeframe quality stocks have a great chance of overcoming temporary volatility to soar in value, whatever their initial price.

So here are two top penny stocks I’m considering buying right now.

A penny stock for the Russian retail boom

I’ve previously mentioned how Raven Property Group could be a great way to play the Russian retail sector. As e-commerce grows rapidly in the country, I expect demand for the warehouses it lets out to take off.

Another rare way to get exposure to this emerging market, one where people’s income levels look set to boom in the years ahead, is X5 Retail Group (LSE: FIVE). This British stock trades at 33p per share.

This penny stock is one of Russia’s leading grocery retailers. Its brands include Perekrestok, the country’s largest chain of supermarkets, as well as the Pyaterochka chain, which operates more than 15,000 convenience stores. X5 also has skin in the online retail game though its perekrestok.ru website. And last year it entered the parcel delivery market with the launch of its 5Post division.

I like X5’s leading position in the defensive food retail sector. I also like its responsiveness to fast-changing consumer trends (the penny stock also recently launched its Perekrestok.Bystro express delivery service for smaller orders).

Though I’m aware that the steady rise of green energy poses significant risks to Russia’s oil-dependent economy. And this could put paid to my hopes of explosive profits growth at X5 in the years ahead.

Playing the green revolution

Speaking of renewable energy, I think US Solar Fund (LSE: USFP) could be a top way for me to latch onto this fast-growing industry. This particular penny stock — which trades at 75p per share — invests in solar plants, predominantly in North Carolina. It also has exposure to the country’s biggest solar-power-generating state of California.

The escalating climate crisis is prompting lawmakers across the globe to embrace solar energy with greater urgency. And, at the moment, the US offers operators in this industry some of the most supportive green energy policies at both state and federal level.

What’s more, the Biden administration is hoping to make the environment even more friendlier by introducing measures like clean energy tax credits to hasten growth in the solar market.

Like all renewable sources, energy created by the sun is weather dependent and thus intermittent. This can obviously have an impact on operator profits. There’s also the danger that US Solar Fund could overpay for an asset or that a plant could fail to deliver on forecasted earnings.

That said, I still think this penny stock has the potential to create brilliant shareholder profits over the coming decades.

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