The simplest dividend strategy that always works

You buy / save four dividend-paying dividend ETFs such as:

- iShares EM Dividend, A1JNZ9, 8,0% dividend yield, four distributions / year, 0.65% TER, -3% 5-year performance

- iShares STOXX Europe Select Dividend 30, 263529, 6,4% Dividend yield, four distributions / year, 0.32% TER, +38% 5-year performance

- iShares Asia Pacific Dividend, A0J203, 5,8% Dividend yield, four distributions / year, 0.59% TER, +11% 5-year performance

- iShares UK Dividend: A0HGV6, 5,4% Dividend yield, four distributions / year, 0.40% TER, +19% 5-year performance

> You could just as well take other dividend ETFs with attractive payouts or more than four to increase the number of payouts.

>> When comparing the performance of dividend ETFs, you must of course add the annual distributions. add. Some dividend ETFs only pay out a pathetic 2% to 3% p.a. and then of course had more price performance. << Swipe

15 advantages of this strategy

1) 16 distributions per year is very motivating (especially for beginners). With five different ETFs of this type it would be 20 per year.

2) These distributions are reliable, because if a company/stock cuts or cancels its dividends, it is automatically dropped from the respective index. Other shares move up. Always top of the dividend league in your portfolio.

3) The ETFs mentioned can be invested in free of charge with almost all brokers and banks.

4) By diversifying the many shares in several ETFs, the risk associated with individual shares is avoided.

5) You save a lot of valuable time, as it can be a full-time job to follow all the news, analyses, quarterly reports, annual reports, ratings, etc. of e.g. 20-30 individual stocks. That's what an analyst does. But most people already have a full-time job. Many have a degree, training, family & children, hobbies, duties, do sport, want to travel or have to look after relatives. If you waste countless hours on shares in order to earn a few euros more a year, depending on your position, your hourly wage is often just a few cents. You might as well go to work regularly, including tax.

6) Dividend payouts are often increased so that dividend growth is recorded.

7) The dividends collected are not spent on consumption, but reinvested in the weakest ETF every six months. This gives you even more dividend growth.

8) If you get a pay rise, you also increase the savings plan installments again. This increases dividend growth again.

9) As a result of points 6-8, you will eventually receive a 13th salary from dividends alone.

10) If you stick with it for a few more years, you will then collect five-figure dividends. Then people will arrive and ask how you managed that. It's easy to work out when you'll personally reach that point.

11) Even if you have to cancel your savings plans at some point due to an emergency, you will continue to collect your 16 dividends every year for the rest of your life. And then you pass on these ETFs and your descendants will collect 16 times a year for the rest of their lives. So it's very sustainable.

12) In crises and crashes on the financial markets, you continue to collect your dividends while others mourn their price losses. This gives you peace of mind and prevents "shaky" hands / ill-considered panic selling out of fear.

13) The constant distributions allow you to comfortably utilize your annual allowance without any trading, selling or market timing. It is so simple. Also suitable for junior portfolios.

14) This strategy helps to create a passive income, which then increases the measly German pittance pension very well after decades. The alternative is a deposit bottle pension. No thanks.

15) After a few years, you will become familiar with the phenomenon of collecting double-digit personal dividend yields. More than 10% is quite realistic, as you had much lower purchase prices years ago and the dividends are constantly being increased. It was the same for me a few years ago. I had the aforementioned UK Dividend A0HGV6 and Euro Stoxx 30 Dividend Select 263529 and after only a few years I already received 11% personal annual dividend yield. No overnight money or fixed-term deposit can match that. Unfortunately, I then sold both ETFs to sink the money into Wirecard. Biggest mistake. Please don't be as stupid as me. Thank you.

Maybe a nice post to save with the bookmark at the bottom right

> Another tip: Please check the ETF data directly on the issuer's website. Broker/bank data is often out of date and therefore incorrect.

>> What other advantages does this strategy have? How do you like it? I have explained it to many beginners and they have been very happy with it for years and are making great money without stress and work.

>>> In the podcast "Buy High. Sell Low" episode 17 this ETF strategy is explained in detail with a calculation example. Link in profile description. Link: https://open.spotify.com/episode/0LzAFILz0zNiErh5lCJOvS?si=16oQ7uLXQ3WGGXdfeIvJnA

#etf
#etfs
#ishares
#blackrock
#dividende
#dividenden
#dividend
#sparplan
#juniordepot
#strategie
#traderepublic
#aktien
#aktie

𝐓𝐫𝐚𝐝𝐞 𝐑𝐞𝐩𝐮𝐛𝐥𝐢𝐜 𝐯𝐬. 𝐒𝐜𝐚𝐥𝐚𝐛𝐥𝐞 𝐂𝐚𝐩𝐢𝐭𝐚𝐥

Update

The offers are becoming more and more equal. Meanwhile, the Vanguard ETF can also be traded at TR and SC also offers instant deposits.

Original post:

Again and again the question is asked here whether Trade Republic (TR) or Scalable Capital (SC) would be the better choice or one should simply take both. I therefore thought to myself, ass I thought, machste times n contribution to it. Of course, you could also just google and pull one of the 2,682,628 comparison sites. But these sites are by far not as reputable as I am. Also, they don't know the GetQuin community and accordingly don't address your pressing questions such as "Can I trade the Vanguard All World ETF via TR?" (Spoiler: No, you can't!) or "Why does it take so long to get my money on Scalable? Can't it be done faster?" (Spoiler: Yes, with TR!). But let's start with the basics and the conclusion, for those who are too lazy to read the whole post.

𝐊𝐚𝐧𝐧𝐬𝐭 𝐝𝐮 𝐝𝐚𝐬 𝐖𝐢𝐜𝐡𝐭𝐢𝐠𝐬𝐭𝐞 𝐤𝐮𝐫𝐳 𝐮𝐧𝐝 𝐤𝐧𝐚𝐩𝐩 𝐳𝐮𝐬𝐚𝐦𝐦𝐞𝐧𝐟𝐚𝐬𝐬𝐞𝐧 (𝐅𝐚𝐳𝐢𝐭 / 𝐭𝐥;𝐝𝐫)?

Both platforms do not take much from each other. Savings plans on stocks and ETF are flexible and free with both providers, but I would not recommend trading cryptocurrencies through either TR or SC. For many, the choice of broker should not matter unless ...

... You want to use Vanguard's ETF or are into having the widest ETF selection possible

... You are a frequent trader (4 or more trades / month outside of savings plans) and do not want to worry about order fees.

Then you are Team Scalable Capital.

... You want to have the largest possible stock selection

... You never have enough money on your clearing account, but you buy relatively spontaneously and therefore you always want to deposit money at short notice, which you want to use almost immediately...

Then you are Team Trade Republic.

If at least one point from each Team-SC and Team-TR applies to you, simply open accounts with both providers. It's free and the setup/registration process is straightforward and quick. You can also use my Ref-Links and get a gift / credit from the respective provider for active use:

Scalable Capital: https://de.scalable.capital/einladung/bmzbms

Trade Republic: https://ref.trade.re/2c832t5l

If you have any questions now, feel free to check out the rest of the facts, and I wish the rest of you good luck with your trading!

𝐖𝐚𝐬 𝐛𝐢𝐞𝐭𝐞𝐧 𝐝𝐢𝐞 𝐛𝐞𝐢𝐝𝐞𝐧 𝐏𝐥𝐚𝐭𝐭𝐟𝐨𝐫𝐦𝐞𝐧?

Both platforms allow you to invest in stocks (TR: 7,500, SC: 6,000), ETF (TR: 1,500, SC: 1,900), crypto (TR: &gt; 50, SC: &gt; 10), and derivatives (TR: 300,000 from HSBC, Citi, and Société Générale, SC: 375,000 from Goldman Sachs, HSBC, and UniCredit). Shares, ETF and crypto can be conveniently deposited as a savings plan. The derivatives offering at SC and TR consists of warrants, knock-out products and factor certificates on indices, individual stocks, currencies and commodities. In addition, SC also offers a Robo Advisor.

TR uses Lang &amp; Schwarz as its trading venue, while SC uses Gettex. For an additional fee, SC also offers trading via Xetra.

𝐖𝐞𝐥𝐜𝐡𝐞 𝐊𝐨𝐬𝐭𝐞𝐧 𝐞𝐧𝐭𝐬𝐭𝐞𝐡𝐞𝐧?

There is no monthly fee at TR, ETF and stock savings plans are free of charge. Trades outside of savings plans cost 1 euro. Both custody and clearing account management are free of charge. The same applies to ETF and share distributions. Depositing money into the clearing account is free of charge via bank transfer, when depositing via credit card or Google / Apple Pay, fees of 0.7% apply (plus credit card costs, if applicable).

At SC, in addition to the free variant, there is also the Prime Broker, which saves order fees for a monthly (4.99 euros / month) or annual (2.99 / month) fee. With all variants, ETF and share savings plans are executed free of charge. Purchases outside the savings plans cost 0.99 euros fee in all variants up to 250 euros order volume. Prime Broker customers are waived the order fees from an order volume of 250 euros, provided that orders are placed via the Munich stock exchange Gettex. So-called "Prime ETF" can also be traded free of charge from an order volume of 250 euros without a paid subscription. Currently, the providers Invesco, iShares and Xtrackers are Prime partners and offer Prime ETF on SC.

If one would like to use Xetra as a trading venue instead, an order fee of 3.99 euros and a trading venue fee of 0.01% (min. 1.50 euros) apply. SC also offers free of charge custody and settlement accounts. ETF and share distributions are also free of charge. SC only offers deposit via bank transfer or direct debit and does not charge a fee for this.

𝐖𝐞𝐥𝐜𝐡𝐞 𝐌ö𝐠𝐥𝐢𝐜𝐡𝐤𝐞𝐢𝐭𝐞𝐧 𝐳𝐮𝐫 𝐄𝐢𝐧𝐫𝐢𝐜𝐡𝐭𝐮𝐧𝐠 𝐞𝐢𝐧𝐞𝐬 𝐒𝐩𝐚𝐫𝐩𝐥𝐚𝐧𝐬 𝐠𝐢𝐛𝐭 𝐞𝐬?

With TR, I can choose the savings plan interval between 2x a month, 1x a month and 1x a quarter, and decide in each case whether the plan should be executed at the beginning or in the middle of the month. The amount is freely selectable, but must be between 10 and 10,000 euros.

With SC I have the choice between monthly, bi-monthly and quarterly execution. 2x a month, as it is possible with TR, I can not execute the savings plan with SC. Instead, I can set the time of the savings plan execution more flexibly. This is possible starting from the 1st of a month in 3-day steps until the 25th of a month. The amount can also be freely selected with SC, but must be between 1 and 5,000 euros.

There are differences in the collection procedure. TR expects that there are sufficient funds on your clearing account with TR before the savings plan is executed. If this is not the case, the savings plan will not be executed. In this case, a standing order to the clearing account is recommended.

At SC, you can choose between direct debit and direct debit from the settlement account. If the amount is to be collected from the clearing account (credit balance), but the clearing account does not have sufficient funds, SC automatically initiates a collection via SEPA direct debit. The SC savings plan is therefore executed in any case.

𝐖𝐢𝐞 𝐬𝐢𝐞𝐡𝐭 𝐞𝐬 𝐦𝐢𝐭 𝐝𝐞𝐫 𝐀𝐤𝐭𝐢𝐞𝐧- 𝐮𝐧𝐝 𝐄𝐓𝐅-𝐀𝐮𝐬𝐰𝐚𝐡𝐥 𝐚𝐮𝐬?

At TR, about 7,500 shares can be traded - and thus about 1,500 more than it is possible at SC. On the other hand, the ETF selection at SC is convincing, with approx. 1,900 ETFs that can be traded, which is 400 more than at TR. In particular, the lack of Vanguard ETFs on TR, which are so popular with GetQuin, might annoy some users. In addition, TR also lacks some lesser-known ETF providers such as Franklin or Rize.

𝐖𝐞𝐥𝐜𝐡𝐞 𝐎𝐫𝐝𝐞𝐫𝐭𝐲𝐩𝐞𝐧 𝐰𝐞𝐫𝐝𝐞𝐧 𝐮𝐧𝐭𝐞𝐫𝐬𝐭ü𝐭𝐳𝐭?

TR and SC support market orders, limit orders, and stop orders. SC additionally supports stop limit orders.

𝐖𝐚𝐬 𝐦𝐮𝐬𝐬 𝐢𝐜𝐡 𝐛𝐞𝐢𝐦 𝐊𝐚𝐮𝐟 𝐯𝐨𝐧 𝐊𝐫𝐲𝐩𝐭𝐨𝐰ä𝐡𝐫𝐮𝐧𝐠𝐞𝐧 𝐛𝐞𝐚𝐜𝐡𝐭𝐞𝐧?

Some. In principle, I would not recommend trading cryptos through TR or SC. For choosing a suitable crypto exchange, I recommend the article by. @Europoor
https://app.getquin.com/activity/PfAxjKLYpc .

At SC, crytpo ETPs are offered for some major currencies like Bitcoin and Ethereum. So when buying through SC, you don't own coins but an ETP, which comes with additional management fees. Furthermore, there is no possibility to transfer the coins to one's own wallet or to generate returns via staking or similar.

The crypto selection at TR is significantly larger, moreover, the investment is made directly in one of the more than 50 cryptocurrencies. However, there is no option to withdraw or generate earnings via staking or similar here either. The investor has to take care of the correct taxation himself.

𝐖𝐢𝐞 𝐤𝐨𝐦𝐦𝐭 𝐦𝐞𝐢𝐧 𝐆𝐞𝐥𝐝 𝐚𝐮𝐟 𝐝𝐢𝐞 𝐏𝐥𝐚𝐭𝐭𝐟𝐨𝐫𝐦𝐞𝐧?

When things need to move quickly, TR is the platform of choice. With the option of depositing via Apple / Google Pay or credit card, the desired credit is immediately available for a fee of currently 0.7%. There is also the option of SEPA bank transfer.

SC only offers direct debit (credited after 3-4 bank working days) and bank transfer (credited after 1-2 bank working days) as deposit options. However, these are free of charge.

𝐖𝐞𝐥𝐜𝐡𝐞 𝐇𝐚𝐧𝐝𝐞𝐥𝐬𝐳𝐞𝐢𝐭𝐞𝐧 𝐛𝐢𝐞𝐭𝐞𝐧 𝐓𝐑 𝐮𝐧𝐝 𝐒𝐂?

TR offers trading of stocks and ETF during the week between 7:30 am and 11 pm, and trading of derivatives between 8 am and 10 pm. At SC, trading can be done during the week between 8 am and 10 pm via Gettex. The alternative trading venue Xetra is available between 9 am and 5:30 pm.

𝐔𝐧𝐝 𝐰𝐞𝐧𝐧 𝐦𝐚𝐧 𝐦𝐚𝐥 𝐏𝐫𝐨𝐛𝐥𝐞𝐦𝐞 𝐡𝐚𝐭?

Both TR's support and SC's support can be reached quickly and easily via their respective apps. TR offers an email contact form here, SC a chat. If you don't find a desired security in SC, you can request it directly in the app via an extra function - without contacting support. The response times are fast for both providers. The employees understand your problem, offer solutions or explain why the problem cannot be solved (and it is your own fault). I have searched in vain for goodwill, but you shouldn't expect that at these prices. The comments are based on my personal experience.

𝐖𝐚𝐬 𝐠𝐢𝐛𝐭 𝐞𝐬 𝐬𝐨𝐧𝐬𝐭 𝐧𝐨𝐜𝐡 ü𝐛𝐞𝐫 𝐝𝐢𝐞 𝐛𝐞𝐢𝐝𝐞𝐧 𝐳𝐮 𝐞𝐫𝐰ä𝐡𝐧𝐞𝐧?

SC and TR are available both as an app and through a web interface. However, TR offers you much more comprehensive information about your investments than SC - which is not difficult, since SC only shows the ISIN and WKN in addition to the chart and the name. However, I would recommend you to inform yourself thoroughly about your investments beforehand and not only use the information in TR for this purpose. But these can certainly give a first overview.

If you use SC without subscription, you can set a price alert. With subscription SC offers you as many price alarms as you want. You get this function for free with TR.

Both providers are subject to the European deposit guarantee of 100,000 euros. However, this should only be of marginal interest to you, as securities are not subject to deposit protection anyway, as they are your property. In the event of insolvency of the provider, your securities are not at risk. By the way, SC works together with Baader Bank, at Trade Republic HSBC Germany manages your securities account and Solarisbank your clearing account.

Both providers have also had their own little scandals. While TR suspended trading of meme stocks like GameStop in early 2021, SC had customer data stolen in late 2020.

𝐒𝐜𝐡𝐥𝐮𝐬𝐬𝐰𝐨𝐫𝐭

I'll update this post at irregular intervals. But feel free to let me know in the comments if anything has changed at TR or SC.

#traderepublic
#scalablecapital
#reflink
#learn
#esel

TradeRepublic now finally with #etfs from #vanguard , #vaneck and #invesco.

And a #sparplan can now be executed like other #brokern also be executed from 1€ and also weekly.

Class optimizations, improvements. Now still the allowance for the spouse can deposit. 👍

How do you see the changes? What are you missing #traderepublic still missing?

Trade Republic celebrates its 5th anniversary 🥳

Trade Republic recently got its own banking license and I've been wondering ever since when they're going to launch their own bank card and now it seems the time has come.

Here is the link to the waiting list: https://ref.trade.re/kfw0kt11

According to Handelsblatt.com, this is a metal payment card with 1% cashback on spending. This 1% cashback is invested in a savings plan of your choice. In my opinion, this is a very good offer. In addition, a demo organized by Trade Republic is taking place today in Berlin.

Click here for the report on the payment card https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/broker-trade-republic-fuehrt-bezahlkarte-mit-sparbonus-ein/100005114.html

#news
#cashback
#traderepublic

Moin,

just got the so-called "interest rate" displayed on TR. I get supposedly, if I activate it, 2%p.a interest on my balance, paid out monthly.

I have not quite read the terms and conditions, but can not see a hook anywhere.

I must be getting something wrong. But what? Has anyone already activated, understood, read, or something?

#traderepublic
#zinsrate

I am thinking of moving my securities account from comdirect to Trade Republic. Comdirect is extremely expensive in comparison.

Who uses TR and can share experience reports? There is a lot of bad stuff on the net.

#comdirect

#traderepublic

The road to financial freedom is unstoppable 🤣

#tr
#traderepublic
#zinsen

The new Trade Republic credit card (Debit Visa) offers a maximum of €15 per month with 1% cashback on a minimum €50 savings plan. I would have to spend a total of €1,550 per month for this. So I get a maximum of two free kebabs after buying at least 221 kebabs. Do you find this offer attractive? Is it a good deal? 🥙💳💵

#traderepublic
#visa #mastercard #amex
#americanexpress
#sparplan
#sparpläne
#cashback
#etf #ETFs

How to invest in Getquin,

or: Stock Analysis Sino Ag

You think Getquin is an awesome platform and you want to become not only a user but also an investor in the platform? Then I can help you today...

Disclaimer: I am NOT invested myself, so I am not as deep in the topic as I am with my investments, nevertheless I try to present the company as accurate as possible. You can't invest directly in Getquin at the moment, only indirectly.

I want to thank@DonkeyInvestor who asked for an analysis of Sino because of its connection to Getquin.

1. numbers

2. business model

3. getquin

4. other investments

5. my personal view

6. sources

7. recommendations

8. announcements

1. numbers:

(20.07.22)

Share approx. 79 Euro

Market cap. 188 Mio.

P/E RATIO 1.53

2021 Sales 154m

2021 Ebit 141Mio.

Div. yield 69.48

2. business model

Sino Ag offers a service for investors and, according to its own statement, is mainly aimed at "heavy traders", these are not necessarily traders with gigantic portfolios, but rather very active traders who complete trades several times a day. In doing so, stock trading is possible in a period of less than one second. The service also includes access to over 40 stock exchanges (national and international) and training programs.

However, it is important to note that SIno Ag trades NOT itself, but mediates between the investor and the investor's bank.

Cooperation with Baader Bank AG:

Sino Ag not only cooperates with HSBC, since August 2021 Sino has been working closely with Baader Bank to be able to offer the full range of services to Baader Bank customers in the summer of 2022 (unfortunately no exact date). This cooperation is intended to attract new customers not only within Germany, but also internationally.

3. getquin

Sino is active in the fintech sector but also as an investor. Among others, Sino invests in Quin Technologies (GmbH) and thus in Getquin, a platform we all know well. Even before the Series A financing, Sino held a 13.5% stake in Getquin. With the Series A financing, Sino bought additional shares, but still the net shareholding decreased to 11.13%. (So similar to capital increases in shares where you have to pay on top if you don't want to be diluted). Getquin doesn't seem to make a profit so far (at least I haven't seen any concrete information or approaches to do so online), but there would be some possibilities to monetize the platform, whether through advertising, premium access costs or otherwise. (here is appealed to the imagination of the reader)

But one thing can be said concretely: Getquin has grown gigantically fast, between June 2021 and June 2022 the number of users has increased thirteenfold. Whether this will continue I don't know, I don't work for Getquin, my forecast will be available later.

4. other participations

However, Sino does not only invest in Getquin, according to the 2020/21 annual report, Sino is also in Trade Republic and Sub Capitals. Trade Republic is a neo broker that charges only 1 Euro per order for stock/ETF purchases. Especially during the Corona Crash, Trade Republic has enjoyed tremendous user growth and is one of the best known German Neo Brokers. In the meantime, Sino was the owner of 67% of Trade Republic, but as of the date of the annual report, the share was only 8.76%. In connection with the sale of the Trade Republic shares, Sino distributed a special dividend, which resulted in a huge dividend yield.

Sub Capials would like to democratize the use of AIs on the stock exchange, i.e. to make access as easy as possible even for small investors.

5. my personal view

If we talk about Sino Ag investments, I see some growth potential in all three from Gb2020/21. I also agree with the Ceo of Sino Ag who said. @christian , @TheRealRapha and the rest of the @getquin team a "great job". Regarding Getquin, I also see great growth potential, whether internationally (see the low participation of English-speaking users) or also in the German area. I also see a large market for AIs for private investors (which goes beyond roboadvisor).

However, I have a small problem with Trade Republik and the main business with heavy traders:

Both business models are heavily dependent on the shareholder ratio and its development in Germany. I personally find these extremely difficult to predict. Personally, I would be happy if the shareholder ratio in Germany increases, but speculating on this is too risky/too opaque for me. In addition, I suspect that the Russian war will lead to less heavy traders rather than more (too heavy losses due to leveraged positions)...

In the short term, of course, there remains the possibility of a sudden breakout from the bear market, which should cause an increase in users for all the companies mentioned.

So Sino does not fit into my investment strategy, accordingly I will personally NOT invest

6. sources

https://www.sino.de/beteiligungsunternehmen-quin-technologies-gmbh-schliesst-wie-erwartet-eine-series-a-finanzierung-mit-einem-gesamtvolumen-von-15-mio-us-dollar-ab/

https://www.sino.de/konditionen-leistungen/

https://www.finanzen.net/aktien/sino-aktie

https://broker-test.de/boersenlexikon/heavy-trader/

sino_GB_2020_2021_neu_AR_Foreword.pdf (available at investor relations of Sino AG)

https://www.sino.de/sino-mx-pro/

7. recommendations

I will highlight 3 people under each of my longer posts who also make really cool content, so feel free to stop by there as well:

@tim1

@Barsten

@InvestmentPapa

8. announcements

Currently there are two posts in the works, one will be about Blackstone $BX (but I'm still waiting for the Börsenpunk from the shareholder, there might be something soon (on YT)), the other one is not posted on my account and the headline sounds like prostitution... but has a slightly different topic...

So stay tuned...

#Fintech

#traderepublic

#Getquin

Thanks for reading

What do you guys think of the new Trade Republic design? I first have to find my way around again where what is😂. #traderepublic