The second dividend payment in June.

$LDGL (+0.94%) 2,195 times €0.03099, for a total of €68.04

It takes 3 days for the dividend payment from June 22 to appear in my available balance at DEGIRO.

With all-time highs currently skyrocketing, I figured I’d share some positive news for a change

Less max yield—more growth

At the end of February, I started a separate portfolio that was originally funded by a home equity loan.

**Starting point:**

* Loan: €17,000

* Interest rate: 2.1%

* Monthly payment: €165

* Term: approx. 10 years

The basic idea is simple:

Build a portfolio that generates enough dividends over the long term to cover its own financing.

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My status today

After just under four months, the portfolio currently looks like this:

💰 Portfolio value: **€20,465**

📈 Performance: **+€1,037 (+5.34%)**

Positions:

$WINC (+0.34%) : €11,087

$LDGL (+0.94%) : €4,453

$JEPQ (+1.19%) : €4,412 (covers the loan interest perfectly)

$VHYL (+0.26%) : €513

In addition, two savings plans are currently active:

* €250 monthly in WINC

* €250 monthly in VHYL

All dividends are reinvested.

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## What has changed

The original portfolio consisted of:

* WINC

* JEPQ

* JEGP

After a few months, I sold the entire JEGP position and replaced it with the L&G Global Quality Dividends ETF.

Not because I think JEGP is a bad ETF.

On the contrary.

JEGP does exactly what it’s supposed to: deliver high ongoing dividends. But as many of us have noticed, unlike its counterpart on the Nasdaq, its price isn’t recovering at all.

However, it became clear to me relatively quickly that my goal isn’t to maximize dividends in the current year.

My goal is a portfolio that will still be growing in 10, 15, or 20 years, generating rising dividends.

That is why the portfolio today deliberately consists of a mix of:

* Cash Flow (JEPQ) to cover interest expenses

* High Income (WINC) to cover principal payments

* Quality dividends (LDGL) to build wealth

* Global dividend growth (VHYL) to build wealth

The actual idea behind the project

The original €17,000 forms the foundation for me.

This foundation is expanded month after month through:

* Savings plans

* Special payments

* Reinvested dividends

I do not measure success by a specific portfolio size.

The decisive milestone is:

➡️ €165 in net dividends per month.

Once the portfolio consistently generates this amount on its own, it will cover its own loan payments.

From that point on, it will be exciting to see how the system evolves under its own steam.

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I’d be interested to know:

If your goal were not the maximum dividend today, but a long-term sustainable cash flow portfolio:

Would you have kept JEGP or also made the move toward quality dividends and dividend growth?

Hello, I’ve sold my next property. I’d like to invest the profit as follows:

$TSWE (+1.12%) 36k,

$VHYL (+0.26%) 36K,

$ISPA (-0.07%) 36K,

$JEPQ (+1.19%) 36K,

$TDIV (+0.25%) 36K,

$LDGL (+0.94%) 30k

I'm also considering

$BHP (+0.09%) 20K,

$RIO (-0.37%) 20K, and

$O (-0.83%) 20K

$BRK.B (-0.19%) 30K

or directly in $BRK.B (-0.19%) 90k, since commodity stocks are trading a bit high for me right now! This position is like a high-risk money market account for me, which should be reallocated countercyclically.

My goal is to combine further dividend growth with modest portfolio growth. I no longer need high performers myself. I can still work for another 25 years, health permitting, and perform at a high level myself.

For me personally, individual stocks belong in my portfolio. Like the icing on the cake.

However, I will continue to focus on expanding my ETF positions through future asset reallocations.

In three years, my last major property in Germany will likely be sold. By then, the portfolio should be structured to enable my children to live a free, independent life anywhere on the globe.

What do you think? Would you change anything about the ETF positions? Wait on commodities too? Or put everything into SpaceX?

Thanks for the feedback.

1400 shares in custody.

2026 does mark the year of the ATH, so far so good !

A nice "mix" for every starting investor

30% $FTWG (-0.05%) ATH 📈 (growth)

30% $TDIV (+0.25%) ATH 📈 (growth rate/dividend)

15% $WINC (+0.34%) ATH 📈 (high yield dividend)

15% $LDGL (+0.94%) ATH 📈 (growth rate/dividend)

10% project "own" ETF (learning how to pick/analyze individual stocks)

What is your best ETF?

In my last post I assumed that I was buying 20 U.S. stocks putting in about 1,000€ per share to create a diversified portfolio...

In this post I came up with an alternative idea that is less diversified and more income-driven...

Invest 20 k allocated 5 k per instrument:

• $LDGL (+0.94%) - L&G Global Quality Dividends UCITS ETF USD Dist.
• $MAIN (+0.93%) - Main Street Capital
• $ARCC (+0.11%) - Ares Capital
• $STHY (-0.18%) - PIMCO US Short-Term High Yield Corporate Bond UCITS ETF Dist

After taxes it's a little over €1,000 per year which compared to about €450 per year given by the 20 individual U.S. Stocks makes a big difference...although the 20 Stocks over time could partially close the gap by increasing their individual dividends over the long term...this option offers more sector exposure but gives good cash flow and a more immediate return.

I've had this new ETF on my watchlist for a while and now I've added a few of them to my portfolio. It's diversified, I'm sure, and there's no question of cluster risk. Let's see how it goes, also in comparison to the $TDIV (+0.25%) where I have also added another 110 shares to the current 900.

Of course it can't keep up with the current tech rally, but that's not my expectation either. Rather some stability with cash flow at the same time.