Chris (@1Chrischi1) on getquin

3Mon·

Portfolio Feedback

Hey GQ Community,

I hope you were able to enjoy this super hot day.

For me today was the first day of a 4 week summer vacation, well at least almost vacation, of course one of our dogs and my girlfriend got sick yesterday :D But we are still at home this week and will start a 2 1/2 week tour in a rented van on Friday, so all good so far.

My question:

From how much capital in the portfolio would you go for a forever hold dividend strategy + crypto (BTC/ETH)?

Brief introduction:

I am 35 years old. I earn 2600€ per month/x14 + annual bonus and every now and then a salary increase from IG Chemie, let's say about 3% every 1.5 years.

In addition, I have a part-time job which I have been doing for 12 years and which still brings me about 800-1400€ per month and occasional jobs which I usually do together with my girlfriend. Such as a wedding catering/bar ...

My portfolio has lost a lot after the setback last week and I currently have about 215k in the market + 15k cash reserve + 13K debt from my girlfriend to me... I've only been in the stock market for ~8 months and at the beginning I was very hesitant to pump money into it, made a few mistakes like selling too early or too late etc. and thus lost returns for the time being... I had not yet set up an ETF or a savings plan :F

So far it's a mix of dividend stocks aka $O (+0.78%)
$V (+0.58%)
$LMT (+0.37%)
$VICI (+0.45%)
$JNJ (+0.29%)
$BMY (+0.37%)
$MCD (+0.45%) etc..

and growth stocks aka $ADBE (+0.43%)
$CMG (+1.08%)
$NFLX (+0.6%)
$AMD (+0%) etc...

My idea now was to sell the growth stocks as soon as I generate even halfway some profit from them and put them into pure dividend stocks and also to get a world ETF or better a dividend ETF with distribution. Can anyone recommend one to me?

What do you think? Do you think 200k is enough to invest only in dividend stocks or do you think the strategy is not so great?

According to GQ, I am currently looking at around €3200 in dividends in 2025. On top of that, of course, there would be the sales of the current growth stocks that flow into dividend stocks.

What brings me to this question? I want to look less at the portfolio and of course generate monthly cash flow without having to worry too much about getting the maximum out of a stock. I want to be able to pay part of the rent or make other larger purchases without having to sell anything from the portfolio :)

Thanks for reading :)

43Positions

€225,047.28

1.96%

18 Comments

Lumimyrsky@Lumimyrsky

3Mon

was working 10h on the construction site but otherwise it fits. great depot sum

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View all 3 further answers

Maximilian@Max095

3Mon

Strong portfolio and nice presentation. 😊 I can recommend the $FGEQ as a dividend ETF. Strong dividend growth + share price growth.

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Kai@Dividenden-Sammler

3Mon

Well, you can always pursue a dividend strategy regardless of the capital available. In my opinion, it's important to only hold stocks that you want to hold if the market goes down by 20-30% and to set an upper limit on the number of stocks you can hold. I have decided on a maximum of 30 stocks here, for example, and have put together a broadly diversified portfolio. All positions are also saved on a monthly basis.

After a long search, I have now also found an ETF and added it to my portfolio. The prerequisites were that it shouldn't overlap too much with my existing positions and that it should also offer a good performance compared to the MSCI World. I found what I was looking for at $FGEQ, which was suitable for me. It might be something for you too.
Also good and popular would be $VHYL, $TDIV, $GGRP

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news03@user03

3Mon

Hey, first of all, great portfolio total and mega good etc.
My tip would be: sit down for a day and take your time, go through every stock in your portfolio and think about whether you want to keep it or not, then sell the stocks you don't want to/will not keep and put the money in an ETF (for cash flow all world distributing, otherwise accumulating) and save it regularly, then you look less at the portfolio and can just occasionally buy more shares :)
This is not advice, just my personal opinion

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Lucky L.@JonathanPeachum

3Mon

Lots of great stocks in the portfolio. Not to mention the total.
With regard to the consideration of selling growth stocks at a "halfway profit", I would liquidate the positions concerned now if you are no longer convinced, instead of waiting until you are a little more than even (keyword: opportunity costs). At the same time, I could imagine that if you hold some growth stocks for a longer period of time, you will make significantly more profit.

In addition, you still have enough investment time to wait for (even) better entry prices when buying your stocks. The dividend portfolio you are aiming for does not have to be in place after 1.5 years or similar. I would take a little more time when buying stocks.

You also describe your focus on dividend stocks. With an appropriate investment horizon, I would definitely take dividend growth into account. That in particular works wonders over the years :)

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Julian@MoneyISnotREAL

3Mon

Why not switch your portfolio to a distributing world ETF / EM ETF / Europe ETF?

You probably still have 30 years to save and during this time the world ETF will also increase its distribution, or you will have more units, which will lead to higher distributions.

Pure dividend ETFs usually perform significantly worse, but if that's what you want, you can add them in.

And then build a few satellites around it (Bitcoin / companies you like / dividend stocks for you)

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Max@value_virtuoso_135

3Mon

You are still relatively young, so I would continue to stay in growth stocks :)

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Thoranos@Thoranos

3Mon

Congratulations 🥰 Nice portfolio. May I ask how the Roche ADR dividend works? Is it paid to you in US dollars and 15% retained?

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TrendHunter@TrendHunter

3Mon

Hi Chris, unfortunately I can't really advise you or evaluate your approaches as I don't know what you want to achieve with the portfolio.
In general, I cannot understand a dividend strategy on its own. Companies with sustainable growth usually don't pay out more than 5% in the long term. During the term, however, the shares or ETF must at least maintain their market price if they do not at least increase in value. You can find broad ETFs that pay out a constant 4-6% and still grow in value by a constant 4-5%. However, if you invest for a very long time, the distribution reduces the compound interest effect that you have with all accumulated ETFs. In other words: if you want to invest money over a long period of time, the dividend strategy is not the best choice. If you want to have monthly payouts, you can also achieve this by partially selling an accumulating ETF and do so much more consistently than with dividends.
In general: The growth of an ETF like the S&P500 or the STOXX600 is much higher (factor 2 to 3) than dividends. I don't understand why people would voluntarily do this to themselves and forgo this profit. A share like Reality Income, for example, has more or less been treading water over the last few years -> thus "only" a 5-6% return in the long term instead of 12% with a measly S&P500 ETF.
So what is your investment goal? Today? In 5,10,15 ... years?
Best regards
Mark

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Peace@Pinkafeld

3Mon

I would keep all the shares and buy a few more positions in dividend-paying pharmaceutical and consumer stocks. 4 new positions of 5000 € each

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