7Mon·

Dividend portfolio - later growth/blue chips


Hello and good evening everyone!

I would love to get some feedback on my dividend portfolio!


  • My goal is to get over €2,000 in dividends and more per year (I have €2,000 in the exemption order anyway due to marriage) and I would very much like to receive monthly cashflow.


  • I always have one strong dividend ETF and one growth ETF per quarter because I want to be broadly diversified:


  • 1 | January, April, July, October

$EXX5 (+0.24%) and $ISPA (+0.06%)

  • 2 | February, May, August, November

$FUSD (+0.25%) and $IMEU (-0.85%)

  • 3 | March, June, September, December

$SPYD (-0.29%) and $TDIV (+0.29%)


  • I also came across REITS and BDCs not long ago, which I know tend to go sideways, but hopefully in a few years I'll have the investments in without buying new positions.


  • In the long term, I would rather switch to growth ETFs (or blue chips) for good growth, but I am also considering thematic ETFs such as

$IUIT (+0.28%)

$IUHC (+0.92%)

$ASWC (+0.66%)


I find simply saving in the S&P500 with a savings plan kind of boring, and I don't know why.

I find it very difficult and too time-consuming for me to find the right time to invest in Microsoft, AMD, Stryker, Novo Nordisk, Cadence Design Systems, Walmert, Alphabet etc., for example.


I would keep my €500 savings plan on the 6 dividend ETFs running, but then add the themes ETFs to the savings plan rate.


What's your opinion - I'm curious!


Regards

18Positions
€71,918.77
2.35%
3
5 Comments

I don't quite understand the thought process:

Stop saving in the S&P500 because it's too boring.
But then pick out 2 sectors (technology & healthcare) and invest in them (just because they are the two most heavily weighted in the S&P500?). In addition, they are accumulating instead of distributing, if you want to "generate" dividends.

If you split it up, you bring more effort into the portfolio, because at some point you will have to "rebalance" to meet your objective again and minimize an overweight in one direction (e.g. tech).

With some of your individual positions, you overweight the strongest position(s) in the ETF (e.g. Altria Group).
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In principle, I think it's excellent to think about things, @getquinuser9999, but perhaps you should take a few more objective thoughts from others (e.g. from Gerd Kommer via his books), increase your knowledge in order to arrive at more mature thoughts and an overall goal-oriented strategy including an appropriate allocation...🤷‍♂️

Greetings
🥪
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Shortly before retirement, my portfolio will look like yours
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