Shortly before retirement, you are in the classic savings phase. Growth should no longer be the focus here, and even if I don't normally think much of it, something in the direction of high dividends is more appropriate in this phase. I prefer a Verizon with 5% dividend than a Microsoft with less than 1%. In addition, especially in view of the changed interest rate level, bonds! A German Bundesschatzanweisung offers you more than 3% interest with a maturity of about 1.5 years and zero risk. Also short-dated corporate bonds or government bonds offer themselves. Best of course also on a euro basis. Important to me in this phase would be a high cash flow. The price development is then rather unimportant. Better 5% distribution and 2% price growth than the other way around. Therefore my idea: 25% High Dividend ETF 25% Div Growth 25% short-dated government bonds or directly German bonds 25% broadly diversified bonds (e.g. something in the direction of Global Aggregate Bond ETF) Then you have a little Growht with it (25%), but this majority is on distributions.
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@Mister_ultra Thank you very much for your effort and your suggestions. Which investment form would you recommend for "DivGrowth" stocks or Etf?
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•@fcfleming in that case rather etf, because less work. there are two exciting ones from wisdomtree and fidelity. the fidelity Global quality Income and wisdomtree Global quality dividend Growth. they should hit the target exactly :)
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