New purchase $TDIV (-0.11%) :)

I expect to receive around €3,000 in dividends this year, i.e. an average of €250 per month. 🎉

And my goal is clear: don't leave it lying around, reinvest it straight away.

But now I'm asking myself: what's the best strategy here?

How do you do it with your dividends?

Options I am considering:

A fixed ETF just for reinvesting, e.g. a dividend ETF or world ETF - and put everything in there every month, e.g $VWRL (-0.61%) or $VWCE (-0.47%)
Adjust flexibly every month and invest in a dividend stock (king or aristocrat) in which I see the best opportunity at the moment, this month it was the $ALV (-1.11%)
Collect and invest 1x/year (e.g. at the end of the year / on a dip)

I've started doing it this way now:

👉 Every month check what's coming in in dividends and then set up a savings plan for the middle of the month.

I've started with Allianz as a test - but I'm not sure whether that makes sense or whether I'd be better off putting it consistently into a dividend ETF, such as $TDIV (-0.11%)

I'm also considering starting a separate ETF for this so that I can track it closely:

What have my reinvested dividends really brought me? (I find this quite motivating from a purely psychological point of view 😄) but I would actually rather reduce my positions than build up more.

How do you do that?

• Do you have a "reinvest ETF"?
• Do you invest on a monthly basis or rather bundle them?
• Do you prefer dividend ETFs, shares, world ETFs or simply buying into the strongest positions?

Looking forward to your tips & experiences! 🙏

I am currently considering whether it makes sense to switch from $VHYL (-0.67%) to the $TDIV (-0.11%) to switch?

Regarding the high US share in the $IWDA (-0.51%) I already have $EXSA (+0.03%) which also helps me to use the tax-free amount.

Dear getquin community

Having been a silent reader here for a few months now, I would like to briefly introduce myself and my journey so far. Before I do, however, I would like to say a big thank you to everyone who regularly shares very exciting posts here and helps this community to grow. You are not only convincing in terms of content, but also create a really pleasant atmosphere in the forum with your appreciative way of writing.

My Story

Against the background and with the expectation of a substantial inheritance, I have been looking into investment opportunities as a complete newcomer to the stock market since the beginning of 2025. As I wanted to gain some experience first, I started investing my annual savings on a trial basis instead of paying off my mortgage as usual.

I started with an investment in $SPYI (-0.79%) . As I didn't like the heavy weighting of the USA, in a second step I tried to build up a 35/25/30/10 ETF portfolio with a weighting of the world regions by GDP. The result did not convince me due to the complexity (at times over six ETFs → manual rebalancing effort) on the one hand and the manageable long-term return prospects on the other. In the meantime, I had the idea of investing in slightly better-performing and riskier thematic ETFs such as $SEMI (-1.58%) and $XAIX (-0.74%) but in the end this only led to an even more complex setup.

I then decided to try a buy-and-hold approach based on individual stocks, but was quickly impressed by the return prospects of riskier stocks. So - also influenced by posts here in the forum - I went all-in at the beginning of November with $IREN (+6.84%) at a buy-in of around € 61 at the time. I now know that this impulse is called "FOMO" 🙂. When a sharp correction immediately began, I realized that return also means risk and that timing plays a role when buying individual stocks. Encouraged by posts here in the forum, however, I didn't sell in a panic, but continued to buy during the correction phase until I was able to reduce my buy-in to €45 at the end of December.

I am now slightly in the green again and the further prospects do not currently motivate me to sell my shares. I am setting myself a price target in the region of the old ATH in order to then reduce the position to a more reasonable size and restructure my portfolio. If I am satisfied with this, I will also invest the larger sum from the inheritance. At the moment, I can imagine a core of $VWCE (-0.47%) , $TDIV (-0.11%) and @Epis 3xGTAA Wikifolio Index as well as a somewhat smaller portion for selected, higher-risk stocks. There are numerous well-founded ideas for the individual stocks here in the forum, for which I would recommend, among others@Multibagger , @Tenbagger2024 , @Iwamoto and @Shiya are very grateful.

It's fun to be here.

As I had already planned this morning, I have parted with the $QYLE (+0.04%) and bought the $WINC (-0.73%) and bought the I also took the opportunity to get rid of the $JEGP (-0.57%) which performed even worse than the Global x for me. Overall, I came out of both with a red zero.

In addition to the ishares, 50 of the proceeds from the $ASWM (+0.59%) went into the portfolio, of which I now have 100.

In the high yield area, I then added the $TDIV (-0.11%) as the largest position and the $YYYY (+0.07%) the $JEPQ (+0.21%) and the $SXYD (+0.24%) .

That's how it's going to stay for now; in total, that's around 8-9% of the total portfolio in this area.

As I bought the Winc before the ex-date, but sold the global x afterwards, I can still take the dividends from both this month. As a result, I even have a small gain on the global x overall.

This morning I said goodbye to $BP. (+2.83%) after 3 years and a loss of over 5%, I was able to close the position at +-0 thanks to dividends. At the same time I increased the share $TDIV (-0.11%) and as a dividend replacement $WINC (-0.73%) to the portfolio.

Am now in the $TDIV (-0.11%) with the sum of the Vanguard! I now have 3 ETFs, each with a €500 savings plan per month!

$VHYL (-0.67%)

$TDIV (-0.11%)

$VWCE (-0.47%)