@DonkeyInvestor can be done. You say you don't want to access the money for 30 years. I wouldn't invest in distributing ETFs now, if you start in 15 years it will be enough. Besides, you don't need to reallocate later. You can simply sell your ETFs piece by piece? 🤷♂️ I would always rely on the mathematics when investing, and an accumulating ETF is now better 🤔
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@DollarDon I would like to access the money in 30 years at the latest. Depending on how things go (I have a lot of crypto and anything can happen), it could be as early as 10-15 years. From a purely rational point of view, you're right about the dividends, of course. Emotionally, however, it will get me down if I make my living solely from my investments and have to hope that my withdrawals will be recouped. Hence the desire for distributions. You write 'can be done that way'. In your subjective opinion, what could be done better (besides dividend vs accumulation)?
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@DonkeyInvestor I would overweight the individual sectors by expanding the individual stocks. Simply for the reason that if one invests several decades one also deals with the topic a lot and constantly learns. At some point you have enough knowledge to make good decisions and possibly beat the market (I know most do not make it). I find the approach of Peter Lynch quite interesting. Is of course only my personal opinion, since I deal with business models, etc. in my studies and it is easier for me to evaluate a business than the average citizen 🤔 So depends on your expected return. How high should it be per year?
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@DollarDon if you reinvest the distributions directly, it is virtually irrelevant. 801€/1000€ tax-free p.a. are not negligible for periods of 10-20 years and you can cover them with an Ausschütter super easy without having to sell at the end of the year.
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@CMustermann As long as you are under the tax exempt amount with your distributions, this can be neglected. But if you receive 10 or 20 k a year then it plays a big role 🚀
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•@DollarDon Have tried my hand at stock picking. I enjoy dealing with companies and identifying suitable ones. However, I lose the desire when it goes into the depth and from a certain number of titles it is difficult to stay up to date with all of them. So I neglect the companies once I have them in my portfolio and then miss the exit. Accordingly, I have decided for me to weight individual stocks to 10% and only hold the companies in which I also have an interest, so stay up to date. return as much as possible 😅. Haven't given it much thought to be honest. Identify suitable investments and the rest will fall into place 😅
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•@DollarDon Before you get such sums with a shaker, you have to invest absurd amounts. I would say that very few people have that here 🙃
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•@CMustermann Well, 1-3 million should be in this portfolio in the end.
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•@DonkeyInvestor With such sums, a tax strategy makes sense. However, I would not fall back on getquin, but on a specialist tax advisor :)
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•@CMustermann Right. But since we are currently still far from the 1-3 million, I'm still saving it and will then look for one at a later date 👍
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