Hi, my portfolio has reached a certain size and I would like to add some dividends. The goal is a monthly payout without neglecting the total return and growth - I am still missing an ETF to cover the months of Jan, Apr, Jul and Oct.

In my research are

WisdomTree Global Quality Div Growth ETF $GGRP (-1.21%) and

HSBC MSCI World ETF $HMWO (-0.93%)

and I can't decide because each has its "strengths"/"weaknesses" (e.g. TER, size, yield and growth at HMWO - diversification (less USA and tech), dividend at GGRP) - so I would be happy to hear your assessment and suggestions.

Thanks in advance for your input and

LG from Vienna

PS. The other ETFs in this "strategy" are Fidelity Global Quality Income ETF $FGEQ (-0.91%) VanEck VanEck Developed Markets Div Lead ETF $TDIV (-0.72%) and as a monthly push the JPM Global Equity Premium ETF $JEGP. (-0.34%)

Dear Community,

Last week I switched from an exclusively accumulating investment strategy to an investment strategy based exclusively on dividends.

I would like to share this with you and am very happy to receive your feedback - however critical it may be. The main thing is that it is constructive and understandable. :)

My portfolio consists of 25 positions.

Almost 54% of the portfolio is made up of ETFs. The remaining 46% is therefore divided between 22 shares.

ETFs

• VanEck Developed Markets Div Lead ETF $TDIV (-0.72%) (24.5%) - Very good dividend (4%); Strong dividend growth (3Y) (⌀ 11%)
• HSBC MSCI World ETF $HMWO (-0.93%) (24.5%) - Moderate dividend (1.5%); Strong dividend growth (3Y) (⌀ 11.5%)
• WisdomTree Em Mkts SmallCap Dividend ETF (5%) - Good dividend (3.9%); Very strong dividend growth (3Y) (⌀ 20.1%)

Equities

Financial service providers

• Allianz $ALV (+0.39%) (insurer) - Good dividend (3.7%); Strong dividend growth (3Y) (⌀ 12.8%)
• Mutares $MUX (+2.57%) (investment manager) - Very strong dividend (6.5%); Strong dividend growth (3Y) (⌀ 14.5%)
• Realty Income $O (-0.81%) (real estate investment trust) - Strong dividend (5.8%); Good dividend growth (3Y) (⌀ 6.5%)
• Aflac $AFL (-0.16%) (insurer) - Moderate dividend (2.1%); Very strong dividend growth (3Y) (⌀ 18.4% )
• Prologis $PLD (-1.05%) (real estate investment trust) - Good dividend (3.9%); very strong dividend growth (3Y) (⌀ 18.1%)
• Main Street Capital $MAIN (-2.04%) (investment trust) - Very strong dividend (8.1%); Very strong dividend growth (3Y) (⌀ 20.1%)
• HSBC $HSBA (-0.04%) (major bank) - Very strong dividend (7.9%); Very strong dividend growth (3Y) (⌀ 60.7%)
• Pub Strg Oprtng $PSA (-1.04%) (real estate investment trust) - Strong dividend (4.2%); Very strong dividend growth (3Y) (⌀ 17.5%)
• Progressive $PGR (-0.76%) (insurer) - Moderate dividend (1.9%); Negative dividend growth (3Y) (⌀ -41.8%)

Energy

• Greencoat UK Wind $UKW (-1.42%) (infrastructure fund) - Very strong dividend (8.6%); Strong dividend growth (3Y) (⌀ 15.7%)
• Shell $SHEL (+0.3%) (oil company) - Strong dividend (4.4%); Very strong dividend growth (3Y) (⌀ 22%)
• NextEra Energy $NEE (+0.3%) (energy supplier) - Good dividend (3.3%); Strong dividend growth (3Y) (⌀ 13.4%)
• OMV $OMV (+0.15%) (oil company) - Very strong dividend (11.1%); Very strong dividend growth (3Y) (⌀ 40%)

Healthcare

• Novo Nordisk $NOVO B (-4.53%) (pharmaceutical company) - Moderate dividend (2.5%); very strong dividend growth (3Y) (⌀ 28.3%)
• Zoetis $ZTS (-4.64%) (pharmaceutical group) - Weak yield (1.2%); very strong dividend growth (3Y) (⌀ 23.7%)

Industry

• DHL $DHL (+0.26%) (air freight/courier service) - Strong dividend (4.8%); Strong dividend growth (3Y) (⌀ 11.1%)
• Palfinger $PAL (-1.27%) (Mechanical Engineering) - Good dividend (3%); Very strong dividend growth (3Y) (⌀ 32.6%)

Consumer goods

• Ferrari $RACE (+0.73%) (Automotive) - Low dividend (0.8%); very strong dividend growth (3Y) (⌀ 41.2%)
• Volkswagen $VOW (-0.2%) (Automobiles) - Very strong dividend (9.1%); Very strong dividend growth (3Y) (⌀ 23.3%)

Materials

• Rio Tinto $RIO (-0.7%) (metals and mining group) - Strong dividend (5.4%); Negative dividend growth (3Y) (⌀ -21%)
• Vidrala $VID (-0.05%) (glass packaging) - Strong dividend (5.8%); very strong dividend growth (3Y) (⌀ 75.2%)

Information Technology

• Amphenol $APH (-1.4%) (electrical engineering) - Low dividend (0.8%); very strong dividend growth (3Y) (⌀ 23.3%)

Hello everyone,

For some time now I have been wavering a bit about my dividend portfolio, whether I should use the 6 ETF savings plans (always staggered distributions for monthly cash flow) are not too complicated. About me: I'm in my mid-thirties and the aim is to build up more and more net monthly salaries through dividends over time. I enjoy looking at my bar charts in Portfolio Performance over the years and seeing how they get bigger and bigger every year compared to the previous year. For this year, I expect to earn around €3,700 in dividends with my current portfolio.

----- ----- -----

The Morningstar X-Ray already shows a lot of stock overlaps. The aim was always to combine 2 ETFs per interval with 1 each with high distributions + and 1 each with growth and to have good diversification:

January, April, July, October

$ISPA (-0.4%) + $EXX5 (-0.7%)

February, May, August, November

$FGEQ (-0.91%) + $IMEU (-0.65%)

March, June, September, December

$TDIV (-0.72%) + $VHYL (-1.04%)

+ $O (-0.81%) + $MAIN (-2.04%) + $ARCC (-0.19%) + $VICI (-0.32%) + $HTGC (-0.51%) + $BATS (+1.03%)

----- ----- -----

The ETFs have a value of approx. 15,500€ per interval, the REITs + BDCs below together approx. 31,000€. I would also like to invest in savings plans with dividend growth shares, whereby I want to proceed according to certain criteria: https://aktienkoenig.de/starke-dividendenaktien-mit-dem-dividenden-check-finden/#elementor-toc__heading-anchor-3

Would you simplify the dividend ETFs and reduce them from 6 to 3 or replace them if necessary, because that is overdiversified anyway, or should I rather "shut down" some of them and continue to save only 3 of them increased? I am basically undecided at the moment as to whether I should focus on higher dividend payouts or rather higher dividend growth. At the moment, I think it's all mixed up.

After making my first small investments of a few hundred euros in the stock market in February '25, I added a larger amount in the course of April. It also took some time to develop an investment strategy; where do I want to invest? What risk do I want to take? Accumulating or distributing? ETFs and/or individual shares? If so, which ones and why? Are there specific countries and/or sectors I would like to focus on?

Only at the end of last week were all the answers to these questions clear: a long-term investment horizon of just over 35 years with relatively low risk. A healthy ETF/share mix of 60/40. Distributing portfolio with high-yield and high-growth positions and with a relative focus on the USA and Europe.

I have a good feeling that I am happy with my strategy in the long term and finally no longer have to constantly turn the entire portfolio inside out.

My ETFs and individual stocks are $HMWO (-0.93%)
$TDIV (-0.72%)
$DGSD (-1.92%)
$MAIN (-2.04%)
$NOVO B (-4.53%)
$PGR (-0.76%)
$PSA (-1.04%)
$UKW (-1.42%)
$APH (-1.4%)
$DHL (+0.26%)
$HSBA (-0.04%)
$MUX (+2.57%)
$NEE (+0.3%)
$ZTS (-4.64%)
$AFL (-0.16%)
$O (-0.81%)
$SHEL (+0.3%)
$VID (-0.05%)
$RACE (+0.73%)
$PLD (-1.05%)
$OMV (+0.15%)
$PAL (-1.27%)
$RIO (-0.79%) and last but not least $VOW (-0.2%)

#dividende
#dividends
#etfs
#growth
#personalstrategy
#portfoliofeedback

Savings plan on it :)

added a little more. 😋

Finally back as a guest in the beautiful neighboring country of Austria to #bierchallange to indulge.

I hope that my savings plans will eventually lose the power that the water has shown here.

@TomTurboInvest Simply beautiful with you 🤣

(PS: the waitress who lives nearby only serves Bavarian beer🤣 and there's no Stiegeler here so it can be an Egger)