Michael (@FireSale) on getquin

9Mon·

Portfolio Feedback

Hello.

Please give me some feedback.

As I have already written, I have made a few mistakes in the past and I am now trying to make up for them as best I can.

First of all: the Developed World ETF will be saved weekly with 50€ (for the next 20-25 years) and the savings rate will be increased in the future.

Since I have discovered dividends for myself since my capital mistakes in the past, my investments are now directed in this direction because I simply feel more comfortable with them.

simply feel more comfortable with having a passive income andno longer trust myself to pick growth stocks that will make up for my previous losses

Now I have the following strategy and would like to know what you think:

every year at the beginning of January I want to sell one or two of my positions that are grossly in the red and from which I no longer expect anything, e.g. $NEL, (+0.68%)
$PCELL (+3.06%) , $PYPL (-0.08%) , $BABA (-1.47%) to be able to offset the losses against the dividends.

Do you think this is a sensible strategy or do you mean sell everything now and put it in the World ETF? With Powercell, for example, I would only get €160 more and I wouldn't need the losses this year, whereas next year I would have the dividends tax-free again.

I'm curious to hear what you have to say.

Thank you very much.

16 Comments

9Mon

Thought you had learned from the past and are no longer making any big mistakes ;-) Why go dividend hunting again now? Or do you simply mean a world ETF as a distributor?

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Michael@MichiHH

9Mon

Instead of using losses to save tax on dividends, I would pay more attention to avoiding losses in the first place, e.g. by stringently setting SLs. I would immediately sell positions from which I no longer expect anything instead of dragging them along into the new year. It is better to shift into "safe havens" such as dividend stocks and/or ETFs

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Woods@Woods

8Mon

I divested from $NEL and $BABA, each with a loss of around 50%, half a year ago. I started on the stock market 3 years ago and these shares were hyped. I simply bought them as a beginner and kept buying more. In the meantime, I no longer feel comfortable with such companies and then took heart and jumped over my _no-loss ego_, sold them at a loss and invested in very solid companies and the $VWRL. In hindsight, that was the right decision at the time. In my opinion, there is no point in leaving losses lying around forever if they don't produce good figures.

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Markus S.@Markus1984

9Mon

Hi, it doesn't look that bad! I think everyone has positions like PayPal or Alibaba in their portfolio. Maybe at least something will happen with these two in the near future. Offsetting losses with profits makes sense from a tax point of view. Greetings Markus

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Ma G.@Sparbuch_deluxe

9Mon

You can't offset share losses against dividends. Or is that possible in Austria? (I'm guessing Austria because of January)

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Bestcapitalinvest@BestCapitalInvest

9Mon

Selection is ok, stay tuned. Investing is not a sprint

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Aktienmasseur@Aktienmasseur

9Mon

Dividenden?

https://getqu.in/Of8gdq/ https://getqu.in/Of8gdq/

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Michael@wealth_architect_167

9Mon

You write about passive income. Do you want to diversify alongside equities? There are so many nice combinations :-)
Greetings Michael (the other one)

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