3Wk·

2026 Part 2

Am now in the $TDIV (+1.56%) with the sum of the Vanguard! I now have 3 ETFs, each with a €500 savings plan per month!

$VHYL (+1.77%)

$TDIV (+1.56%)

$VWCE (+1.89%)

12.01

VanEck Morningstar Developed Markets Dividend Leaders UCITS ETF

Bought x1152 at €48.58

€55,958.40

11 Comments

Wealth-Accelerator@Wealth-Accelerator

3Wk

May I ask why you didn't just move your full savings volume to $TDIV?
I assume you paid a few euros in taxes, right?

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Basti92@BavarianLion

3Wk

@Wealth-Accelerator All ETFs have their pros and cons! As it is now, I feel well positioned! Whereby the $VWCE is actually my pension insurance, as I've never paid into this circus 😉

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Wealth-Accelerator@Wealth-Accelerator

3Wk

I've switched my saved ETF a few times myself, but always using fresh money.
I estimate your costs for taxes and spread are roughly at the level my family can live on for 1 month 😬

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Basti92@BavarianLion

3Wk

@Wealth-Accelerator So my annual one is definitely gone! But I also deliberately wanted to reduce the Vanguard a bit! So that the weighting remains roughly the same!

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NichtRelevant@NichtRelevant

3Wk

@BavarianLion Finally someone who doesn't pay into the pension scheme. Well done.

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Basti92@BavarianLion

3Wk

@NichtRelevant I've never paid in 😂 I started my own business straight after school and that's why the pension fund has never seen a penny from me 😝

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NichtRelevant@NichtRelevant

3Wk

@BavarianLion I had to pay in for about 1.5 years. Then I was also self-employed and I didn't join the Chamber of Architects so that I wouldn't have to pay into the pension fund.
My colleagues always looked at me with pity because I wasn't in the chamber and wasn't allowed to use the sacred title. They didn't understand that they should have felt sorry for themselves.

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Basti92@BavarianLion

3Wk

@NichtRelevant You have to imagine, there are actually people who say to me (when I mention that I have never paid in): You'll be surprised later! 😂 But I no longer get involved in these discussions, because anyone who still believes in the state pension today is doomed anyway! 🤪

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Wealth-Accelerator@Wealth-Accelerator

3Wk

@BavarianLion
Klassiker…

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Basti92@BavarianLion

3Wk

@Wealth-Accelerator I'm in no way a belligerent person, but sometimes I could get really angry when you see how stupid or gullible some people are... For that reason alone, for example, I don't watch TV anymore, it just upsets me 😂

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NichtRelevant@NichtRelevant

3Wk

That's clean! I believe in that too 👍.

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