1Yr·

Moin Moin,

I'm trying to take my retirement provision into my own hands. At the beginning, I had the following target allocation:

In the course of time, I have slightly lost my way and have also added a dividend ETF ($VHYL (+0.82%) ) and bought individual shares more frequently. I have no idea about analysis; I simply bought when the price seemed fair to me, sometimes more and sometimes less successfully.

I don't want to have to worry too much about my portfolio, but rather invest in a broadly diversified portfolio worldwide. I have the $SPYI (+0.62%) in mind, an ETF for x years.

Does it make sense to sell the accumulating ETFs? I'm thinking about selling the distributing $VHYL (+0.82%) together with a few individual shares like $VOW (+2.74%) and $PUM (-3.21%) to sell.

#etfs
#personalstrategy
#dividends
#stockanalysis
#portfoliofeedback

21Positions

16.51%

8 Comments

Eselai@DonkeyInvestor

1Yr

Europe, High Yield and all individual stocks out and only save World + EM if you don't want to worry about your portfolio.

Of course, you can also simply save in the ACWI IMI instead of World + EM.

•

CeddiDi98@CeddiDi98

1Yr

@DonkeyInvestor even the stocks I am convinced of in the long term?

••

Eselai@DonkeyInvestor

1Yr

@CeddiDi98 if you don't want to worry about your portfolio and are convinced because of a gut feeling, then yes, the

••

CeddiDi98@CeddiDi98

1Yr

@DonkeyInvestor Good point 😅

••

MarTheRadi@marda304

1Yr

So I can't see anything wrong with your 60 30 10 division. It's just that you're already questioning and softening it.

••

CeddiDi98@CeddiDi98

1Yr

@marda304 The problem is, of course, that EM has simply performed badly. Rebalancing would be the order of the day for me... Hence the idea of using an ETF that combines everything into one.

••

Christian Bruhn@portfolio_maestro_15

1Yr

You're just like me. in the beginning i also invested in therausierer. but that got too boring after a few weeks. that's why i went into distributing ETFs and shares. If the dividend increases every time or the payout you see progress.first 1.06 then 5.78 at some point 16.42 and over the years then 194.23 etc.Looking at the bare book profits is nothing for me and not for you either.Besides, with a distributing ETF you have combined price growth and distributions over a few years.

••

MyName@MyName

1Yr

$VWCE could maybe also be an option for you, but I am also considering between $SPYI and $VWCE

••