$JEPQ (-0.61%)

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 (-0.33%) : €11,087

$LDGL (+0.07%) : €4,453

$JEPQ (-0.61%) : €4,412 (covers the loan interest perfectly)

$VHYL (+0.27%) : €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 (-0.11%) 36k,

$VHYL (+0.27%) 36K,

$ISPA (+0.41%) 36K,

$JEPQ (-0.61%) 36K,

$TDIV (+0.59%) 36K,

$LDGL (+0.07%) 30k

I'm also considering

$BHP (-2.16%) 20K,

$RIO (-0.15%) 20K, and

$O (+1.23%) 20K

$BRK.B (+1.14%) 30K

or directly in $BRK.B (+1.14%) 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.

So now that the portfolio is about 15k in the red, there is at least some compensation. But no real money either, because trade Republic has blocked my account and I can't spend it 🤑

Hello everyone!

I started building up a small portfolio for my junior about 12 years ago. Not everything went well...but $GOOGL (+0.3%) beat them all: 81 shares, on average for 47€! We sold 15 shares in the fall for 270€, the remaining position is now up almost 20k!

The boy is only 13 - and his mother and sister are envious ;)

For some time now, I've been tormented by the question: should I reallocate or let it run? If I now gradually shift the position towards "income", e.g. into a $K0MR (-0.7%), $JEGP (+0.43%) or $JEPQ (-0.61%) (or a mixture thereof), that would certainly be a good investment in the long term:

20k * 6% = ~100€ per month!

The rest of the portfolio ($AWF , $AM (-0.88%) , $ARCC (+0.57%) , $DLR (+7.79%) , $D (+0.05%) & $RITM (+0.35%)) is also already generating €100 - I think that's a good basis for long-term wealth accumulation with a focus on a 2-ETF strategy!

What do you think?

Still agree with the people who said it before.... Sold my shares of covered call ETFs worth +-€10,000 today. $JEGP (+0.43%)
$JEPQ (-0.61%)

In their place:

• €1000 $BTC (+0.02%)
• 
  €3000 $SMH (-5.05%)
• 
  €3000 $VWRL (-0.13%)
• 
  €1500 $TDIV (+0.59%)
• 
  €1500 Cash

Reason: I am 22 😅.

Just before Christmas I broke the had I broke the €50k, and now in early April the €60k. So this €10k increase took a total of 4 months to reach, which is a little slower than I had hoped, but no less great news of course.😀

$BTC (+0.02%)
$VWRL (-0.13%)
$TDIV (+0.59%)
$JEGP (+0.43%)
$JEPQ (-0.61%)