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Oliver
@OlliKl1
3Wk·

📈 My portfolio presentation - from zero to long-term wealth accumulation with a focus on dividends

Hello everyone,

I wanted to introduce my current depot...I'm 34 years old, married and earn my living as a train driver.

I myself only started actively investing at the beginning of 2024before that I had little to no basic knowledge - so to be honest I'm pretty naive started. 😅

In the meantime, I've gone deeper, read a lot, analyzed, improved - and built up a long-term plan.


🔍 My goal:

A robust, stable portfolio with a focus on:

  • long-term wealth accumulation
  • regular passive income through dividends
  • a small admixture for future themes (Bitcoin)


This is what my portfolio currently looks like:


🧱 ETF as a foundation


➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.


🏢 REITs & real estate dividends - for monthly cash flow

➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.


💸 Dividend stocks (consumer goods & energy)

➡️ I would like to build up a reliable long-term dividend cushion here - defensive brands such as KO/PEP have "peaceful sleep quality" for me.


₿ $BTC (-1.12%)
Bitcoin

  • Savings plan: €50/month

➡️ This is my "future addition" - deliberately kept small, but built up regularly.


💰 Liquidity

  • Overnight money account reduced to ~€5,000 (nest egg)
  • Previously a car purchase (~€28,000) and caravan purchase (~€21,000) were made


📆 My strategy:

  • Follow through with savings plans consistently
  • Reinvest dividends
  • No more panic selling, just learn & observe



💭 Conclusion:

I know I didn't start not started with perfect conditionsbut I try to learn from mistakes and build solidly in the long term.

My portfolio is still being built up, but it already feels quite coherent: broad-based, cash flow-oriented and with a view to the future.


#crypto
#etfs
#dividends
#portfoliofeedback #newbie

10Positions
€7,574.44
0.07%
8
10 Comments
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Stulle 🥪@Stullen-Portfolio
3Wk
It's a good fit: the more you focus on dividends, the more long-term you will need to build up your wealth...😕

Greetings
🥪
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ThomasHH@ThomasHH
3Wk
It's not a bad start. However, I would personally swap Mercedes for $ALV.
Basically, a focus on growth stocks is more advisable at your age. From the age of 50+, you can increasingly switch your portfolio to dividend stocks.
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Oliver@OlliKl1
3Wk
@ThomasHH Thank you very much!

The thing with Mercedes is that I bought it at a high price at the beginning and then the dip came, which caused a big loss. Fortunately, I was able to smooth out the curve a bit so that it is now "only" ~5% down.

The current development gives me hope that I will be able to exchange the whole thing for $ALV or $MUV2 with some profit in the coming months.
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Sebastian@Baisse-Jumper
2Wk
Nice introduction and welcome to the dividend investor club! 👍🏻 There are of course pros and cons to a passive income strategy. In my opinion, however, there is generally no right or wrong.

For example, I don't see myself using a withdrawal plan later on, where I can watch my portfolio decrease over time. Psychologically not my thing at all. A regular cash flow that covers all or part of my fixed costs is more like it. That's why I take a similar approach to you.

I've only really been at it for 2-3 years myself. But what I've already learned is that it's not ideal to focus exclusively on high payouts, especially when you're young. Stocks with consistently high dividend increases are much more important, as they usually generate higher returns in the end. Ideally, your personal dividend yield plus the annual growth rate should be around 10%. Just as a guideline.

Therefore, focus more on dividend growth and never disregard the price potential. First of all, so that you can sell in an emergency with, hopefully, good profits, but above all so that the dividend is secured. Companies that are treading water or even developing negatively in the longer term could reduce or even cancel their dividend.

At the moment, I would therefore think about limiting your Reits to 1-2 for the time being and definitely adding individual stocks with good dividend growth and price potential so that your portfolio can get off the ground. Due to the rather manageable price potential, I would throw out $MBG and invest in something else. Sometimes it pays to sell at a loss before tying up capital in an unprofitable way in the long term. At the very least, you shouldn't hold on to a position just because it's in the red.

Best regards 🙋🏻‍♂️
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Oliver@OlliKl1
2Wk
@Baisse-Jumper Thank you very much for your detailed comment.

I will take up the idea of REITs. I definitely want to hold $O and $VICI as well. Since $STAG is proportionally the smallest position in my portfolio, I will at least put it on hold, as it is also slightly in the red.

In terms of growth, I think that with $KO and $PEP I have two good positions that I can continue to invest in without hesitation.

ETFs are running.

Time will tell everything else.

Best regards back 😊😊😊😊
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Kai@Dividenden-Sammler
3Wk
Very nice presentation and a clear strategy. What I would reconsider would be $MBG - with your strategy it would not be a value in your portfolio for me.
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Oliver@OlliKl1
3Wk
@Dividenden-Sammler Thank you very much!
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Dividendenopi👴@Dividendenopi
2Wk
Hello also 🙋‍♂️und Welcome to the club of dividend performers 😉 Dividends are not passive income, you have to be active to find the right companies that generate a regular cash flow and accept missing or neglecting growth opportunities. It's your decision, you've made a good start. The rest here is really exciting with controversial discussions pro and especially contra dividend strategy.
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Deleted User
3Wk
Comment was deleted
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Oliver@OlliKl1
3Wk
@Nobody_123 Thank you very much 😊
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