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Would appreciate portfolio feedback.

Briefly about me: I am 25 years old and about to finish my second education.

My monthly savings rate varies between 100-300€.

I follow a dividend strategy, as I want to use the payouts to pay smaller bills or fixed costs. But it will be a while before I get there 😄

I've also been thinking about opening a third account for a while now and only saving in growth stocks there.

Savings plans currently:

$WLD (-0.04%) - 55€ monthly

$SPYD (-0.45%) - 50€ monthly

From next month additionally the $VHYL saved.

Individual shares will be purchased on a one-time basis.

Constructive criticism is welcome. 🤟

Moin,

started investing in 2021 and added single stocks in July 2022 to generate cash flow. I am currently considering replacing the 20% individual stocks with dividend ETF(s) due to the still low portfolio volume of under €1000. Rather a FTSE All World Dist. $VGWL (-0.08%) or All World High Dividend Yield $VHYL ? One ETF or several ? My strategy when I saved the stocks was to have a monthly cash flow next to the Accumulating World ETF. Looking forward to your opinions.