3D·

I would appreciate some constructive help!

I have been investing myself since 2013 and started with individual shares and options (leverage products). In my youthful recklessness, I had to learn the hard way. Fortunately, I have been able to recoup my losses very well over the years.


For this reason, I have steered clear of options since 2014 and now only invest in individual shares and ETFs.


In 2023, I started to set up a portfolio for my retirement provision (see below). For this reason, I liquidated my old portfolio with good profits and reinvested them in the new portfolio.


The new portfolio is saved monthly in the amount of EUR 800.00 through savings plans. Some of you are probably wondering about the large position $PFLT (+0.47%). I have held this single share since the beginning and it offers a good cash flow with few price fluctuations.


I follow a dividend strategy myself, so I always have some liquid funds available and can allocate them better to the individual positions.


The position $PSEC (-0.71%) will not continue to be held after a dividend cut.


It's not the best portfolio. But so far I'm satisfied. Nevertheless, I would be very happy to receive help and tips from you. ☺️

Thank you already for your feedback!!! 👌🏻👍🏻

31Positions
€24,961.29
4.25%
6
53 Comments

profile image
That are a lot of positions. I should reduce the ETFs and invest more in world and sp500
9
View all 2 further answers
There are too many Etfs and above all many that are duplicated ( region)

I would keep the $VHYL, the $ZPRG, $XIEEand the $ISPA sell all the others and invest the money in the 4
3
View all 21 further answers
profile image
The poor returns speak for themselves. Less focus on individual stocks and full power into ETFs
3
View all 3 further answers
profile image
You've been at it for a long time, but with the portfolio amount / performance / positions I would rather put everything into a growth ETF and buy more of the dividend stocks, of course dividends are then less but let's be honest, nobody can live reasonably from their cash below half a million with a healthy dividend yield. Reaching this amount will be difficult with the positions. If you really want to stick with dividends, take a look at the covered call ETFs.
2
View all 3 further answers
profile image
Hello, why so many ETFs? (19 if I haven't lost count)
4% performance in a year in which, for example, a world ETF made 27%. Are you really satisfied?
1
View all 12 further answers
profile image
With a strong focus on dividends, you will underperform the market in the long term. Why do you want that?
1
View all 5 further answers
profile image
Your portfolio is too small to bet on capital preservation and dividends now, you can do that when you have reached the first million, in your place I would put 40% in Bitcoin and 60% in the Nasdaq100 and leave it for 8 years. Then you'll probably be at around 200-300k.
Join the conversation