My ETF strategy: 3 ETFs as the core for long-term success

After a lot of thought, I have decided to make some changes. I have decided to split my monthly investments into three ETFs that offer a mix of growth, stability and income potential. From now on, I will invest €1000 per month in these three ETFs, with all dividends being automatically reinvested to maximize the compound interest effect.

1.

Fidelity Global Quality Income $FGEQ (+1.85%)

This ETF focuses on high-quality companies worldwide that pay stable dividends. It provides regular income streams and is less volatile than growth stocks. As I am looking for solid passive income over the long term, this ETF is an important part of my portfolio. All dividends from this ETF are reinvested to further grow the capital.

2.

VanEck Developed Markets Dividend $TDIV (+2.2%)

Similar to the Fidelity ETF, this one invests in high-dividend companies, but focuses on developed markets. The VanEck ETF helps me to diversify my portfolio even more broadly and ensures regular distributions, which are also reinvested. This allows me to use the dividends as a growth driver without them weighing on the portfolio.

3.

Nasdaq 100 ETF $CSNDX (+1.14%)

The Nasdaq 100 is my growth driver. It invests in the largest technology and growth companies in the US, which gives me strong leverage to the technology and innovation sector. While the Nasdaq 100 is more volatile than the S&P 500, the potential returns from the tech sector can be very rewarding over the long term. Again, all dividends are automatically reinvested to further increase the growth rate.

My strategy

With this combination of dividend and growth ETFs, I am aiming for a balanced portfolio that offers both stable income and long-term growth. I focus on a long-term investment strategy that grows regularly with monthly investments of €1000. The automatic reinvestment of dividends is intended to maximize the compound interest effect and thus allow the portfolio to grow continuously over the years.

Asia and emerging markets via individual shares

As I want to invest specifically in the Asian and emerging markets, I plan to cover the corresponding proportion via individual shares. I want to focus on high-quality companies that are growing strongly in these regions and offer good long-term earnings opportunities. My favorites: $6861 (+1.56%)
$TKOMY
$1211 (+0%)
$FLXI (-0.53%)

Individual shares - focus on quality

I currently own a lot of individual shares (some bought without a plan) and plan to reduce these to a maximum of 20 strong quality shares. I want to consolidate my portfolio and only invest in companies that have high growth and earnings potential and are robust enough to perform well even in difficult market phases.

Conclusion:

With this strategy of the 3 ETFs as core and a careful selection of 20 strong individual stocks, I want to build a well-diversified portfolio that not only provides stable income, but also benefits from global growth in the long term. By regularly investing €1000 per month and reinvesting all dividends, I aim to continuously grow my portfolio and achieve long-term financial security.

I would be delighted to hear your thoughts on my new strategy!

Have a great evening and a successful start to the new week!

LG your Max

Hey everyone,

Many people invest in the combination of $VWRL (+1.2%) and $TDIV (+2.2%). I would be interested to know how you weight them?

For me at the moment:

• 65% VWRL
• 35% TDIV

The stock market year 2025 is slowly but surely coming to an end and it's time for a short first portfolio review! 🔍📊

I'm interested: What was your biggest purchase this year - and why exactly this position? 🤔💬

My own biggest single purchase in 2025 was in May: 1,250 shares of the VanEck Developed Markets Dividend Leaders ($TDIV (+2.2%) ) at € 43.48 each. 💸

Why exactly this ETF? 👉 For me, the combination of a stable dividend strategy, solid global diversification across developed markets and a defensive stance was simply convincing. Especially in a year that once again had its ups and downs, this ETF offers me a good foundation. 🛡️🌍

Now it's your turn: Which purchase left the biggest footprint in your portfolio in 2025 - and why? 🚀🔥📈

#etfs
#dividends
#finanzen
#finanziellefreiheit
#2025
#vaneck

Hello everyone, quick question, where do you save the ETF $TDIV (+2.2%) ? Unfortunately, ING does not offer a savings plan. Does anyone know if it will be added to the savings plan selection at ING in the future?

Thank you very much.

Greetings everyone!

My portfolio has developed in a very US and tech-heavy direction. I am strongly considering changing this.

This means that I will probably $XAIX (+2.04%) and shift into the $TDIV (+2.2%) would be shifted.

I currently have around 2.5k in my loss-making pot. I would probably fill this a little more as part of the reallocation by selling my old load. $MPW (+5.5%) by selling my legacy assets. That would add another 2.5k in losses. So 5k in total.

So I wouldn't feed the state quite as much - at least not yet. Profit of the $XAIX (+2.04%) is just over 7k.

What do you think?

Would the $TDIV (+2.2%) a good choice for this?

Or would it be better to just keep it running and do nothing?

As always, I would be very grateful for any tips/discussions/suggestions 😉

Best regards!

My wife has been saving stupidly for a long time. $VWRL (+1.2%)

As the USA and tech share is very high there, we would now like to add 1-2 more ETFs to balance out the portfolio somewhat.

I was thinking of an emerging market ETF and a dividend ETF in order to be broadly diversified across everything.

More specifically, I was thinking of the emerging markets from $VFEM (-0.2%) in particular.

With the dividend ETF, I'm still wavering between the $TDIV (+2.2%) or $ZPRG (+2.28%) .

Your opinion or addition to the ETF?

Hello dear community,

First of all about me or rather us.

I 36 seller My wife 40 in care would like to invest Investment period until the required dream is about 20 years.

Monthly savings sum would be between 500-700 euros.

The aim is to build up a deposit that will one day help finance our vacation.

2 weeks in Turkey currently between 2-3,5 k

This is to be paid purely from dividends as the deposit will one day be given to our daughter, who is 23 years old and is currently in care. And if we are honest, this is not a job that you do for 40 years in a row.

I would like to keep it as simple as possible

one day $VWRL (+1.2%) and one $TDIV (+2.2%) would a 3 make sense if so which one and how would you organize the percentage distribution

Thank you very much for your help

Hello everyone,

I would be delighted if you could give me a few tips regarding ETFs. I would like to invest in three ETFs at the same time, but I'm not sure whether that makes sense. I'm 48 and think it's great if you can reinvest the dividends yourself and see a payout in your account.

ETFs would be $VWRL (+1.2%) , $TDIV (+2.2%) un$ISPA (+1.34%) .

Also with ratio information. The focus should later be the pension.

Thank you very much for your opinions/tips