Hello everyone!

I follow a dividend strategy together with a few securities as ETFs. In addition, there are a few crypto stocks, but these were often just gimmicks that went quite well in the aftermath. Now I have the $ZPRG (-0.03%) with the $VWCE (+0.41%) exchanged. But now I have the thought that this was not quite so clever, as it has doubled well with the $IWDA (+0.35%) . What do you think? Is it still okay or should I change something?

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0.14%) , $O (-0.28%) and $ATO (+11.98%) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0.35%)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (+0.52%)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0.03%)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0.16%)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0.57%)

50 €

FTSE Emerging Markets (Dist)$VFEM (+0.4%)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-0.61%) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

✅ I took profits today from Amazon $AMZN (+0.51%) , Microsoft $MSFT (+0.28%) and NVIDIA $NVDA (+2.03%) realized.

📥 This money was directly reinvested to strengthen dividend and future stocks.

💸 Newly invested (one-off purchases today):

• Take-Two Interactive $TTWO (+1.99%) - (future play with GTA 6)
• Shell $SHEL (+1.45%) - (energy + dividend)
• BYD $1211 (+0.63%) - (growth China/E-mobility)
• Procter & Gamble $PG (-0.69%) - (stable dividend, consumer goods)
• Allianz $ALV (-0.8%) - (high dividend, defensive)
• McDonald's $MCD (+0.65%) - (dividend aristocrat + consumer)

📆 Savings plans from August (monthly):

• Johnson & Johnson $JNJ (+0.52%)
• 
  Realty Income $O (-0.28%)
• 
  FTSE All-World High Dividend Yield ETF $VHYL (-0.16%)
• 
  S&P Global Dividend Aristocrats ETF $ZPRG (-0.03%) (one-off)

➡️ Goal: More passive income through dividends & better balance in the portfolio between tech and defensive stocks.

🧠 Long-term oriented, with a clear focus on quality, stability & growth.

What do you think?

Hello everyone. I need a few opinions.

I will soon receive 150000 Euro cash. I would like to invest this in one or two dividend ETFs to generate a small income. Which ones would be good here, I have these in mind.

$TDIV (-0.94%) or $ZPRG (-0.03%) or both?

What do you think? Or is there a better approach?

I am 42 years old and have an investment horizon of 20 years. I would like to combine some growth with dividends as a retirement provision.

Even though the portfolio is currently quite red, I am generally satisfied with the stocks. $RKLB (+5.99%) was once a gift and $MSFT (+0.28%) would be a bonus, so they are not self-selected.

I would like to invest a total of 6,000 euros per year for the time being, i.e. an average of 500 euros per month.

I have now changed the distribution as follows:

150 euros go into the $VWRL (+0.33%)

75 euros to the $ZPRG (-0.03%)

45 Euro to the $QYLE (+0.52%)

30 Euro in the $EUDF (+1.06%)

Would you weight differently here?

Up to now, I have saved 10 euros a month in the individual shares represented, but I will be making a quarterly one-off purchase of 500 euros. In this way, I can take advantage of opportunities and gradually build up the stocks or say goodbye to one or the other or add something new.

400 euros remain free each year, which I would like to use flexibly for $BTC (-0.61%) for example.

I like the mix of regular long-term passive investment and the opportunity to be more active on a quarterly basis.

Today there was another dividend of $0.366 per share, totaling $64.23 for my position in the SPDR S&P Global Dividend Aristocrats ETF (ZPRG).

That was the last distribution, because: I sell the ETF and invest the proceeds in the

VanEck Developed Markets Dividend Leaders ETF (TDIV).

Why the change?

• Higher dividend yield (~3.9%)
• Better performance over 3 and 5 years
• ESG filter + clear focus on developed markets

ZPRG has been a solid companion, but TDIV just fits better with my strategy for steady income with more momentum.

Hello everyone,

Having only entered the stock market in February, I have decided to make a radical change today: I want to restructure my portfolio towards a dividend portfolio.

About the savings plan: Monthly deposits, duration: until retirement, i.e. around 38 years.

The aim is not necessarily to be able to live off the dividends, but rather to use them as a nice extra. An average dividend of 4% p.a. would be desirable.

About the portfolio:

The portfolio should consist of a 60/40 ratio of dividend-paying ETFs. The background to this is that I want to diversify as widely as possible. I currently have the $VHYL (-0.16%) with just under 25%, the $ZPRG (-0.03%) with just under 22% and the $IMEU (+0.03%) with just under 13%.

The remaining 40% of the portfolio should consist of equities. And this is where your expertise is needed: which high-dividend stocks with future potential would you no longer want to do without in your portfolio?

To begin with, I have opted for $ALV (-0.8%)
$VOW (-0.62%)
$MBG (-0.82%)
$O (-0.28%)
$ULVR (-0.81%)
$INGA (-0.98%) and $BAS (-1.49%) today.

I would like to have a total of 20 shares with 2% each in my portfolio. These should be as diversified as possible - both in terms of sectors and regions - even if the ETFs already contribute to this. Speculative shares may be included, but only sporadically.

Thank you very much and I look forward to your feedback!

Hello!

I have been actively working on my portfolio since the beginning of this year, my strategy is to go towards dividends and a safe investment in ETF's with ETF's I want to achieve a balanced weighting that is not too American-heavy but also focuses on Europe.

I have a monthly savings plan of €300 which is divided as follows:

50 € $IWDA (+0.35%)

50 € $EXSA (-0.49%)

40 € $ZPRG (-0.03%)

40 € $WQDS (-0.17%)

20 € $O (-0.28%)

15 € $VZ (+0.34%)

15 € $ULVR (-0.81%)

10 € $JPM (+0.6%)

10 € $JNJ (+0.52%)

10 € $PG (-0.69%)

10 € $ENB (+0%)

10 € $ALV (-0.8%)

10 € $KO (-0.7%)

10 € $MCD (+0.65%)

Please do not pay too much attention to the crypto positions, I will liquidate the Shitcoins in the near future when prices are good and switch to ETFs/shares.

Now to my simple question, what do you think of the portfolio? Is it good for my strategy or do you have any tips?