1Yr·

My "Dividend every month" share savings plan. In February it was now 72 months ... 6 years 🤩😳

The portfolio stands at around €46,800. The total return (share price + dividend) is almost 39%. With the savings plan, the average annual return over the last 6 years is therefore currently around 11.1% - not bad at all for a savings plan 😅

$MSFT (-0.32%)
$AAPL (+1.19%)
#dividende
#aktien
#sparplan
#depotupdate

171

50 Comments

Homer@Simpson

1Yr

Strong 💪😊

I only recently started a savings plan "experiment" myself, an "expert" said it can't work, I saw years ago that it works for you if you have patience and discipline 😊👍

•

Finanzkroko@Finanzkroko

1Yr

@Simpson an expert said it can't work? 😀 what kind of expert is that?! That's exactly why I started in 2018 to show it transparently ✌️

•

Royal_TS@Royal_TS

1Yr

@Simpson Which shares have you chosen for the savings plan?

••

Homer@Simpson

1Yr

@Royal_TS https://getqu.in/J3ETcG/

•

Royal_TS@Royal_TS

1Yr

@Simpson awesome, thanks for the link!

•

Ayecaramba@Ayecaramba256

1Yr

@Simpson and why can't that work?

••

Homer@Simpson

1Yr

@Ayecaramba256 He didn't go into the details 😂 it can't work and that's it 😂

••

KingC@RaphGM

1Yr

Why only US?

•

Erzwo@FYBSTRD

1Yr

@RaphGM Because success proves them right

•

Finanzkroko@Finanzkroko

1Yr

@RaphGM almost US. Unilever and Toronto are not. But for the simple reason that US companies pay out quarterly dividends. In this portfolio, which I have held since 2018, the aim was to receive a dividend every month.

•

KingC@RaphGM

1Yr

@user1dd1d6c06f314c38 Are there no successful ex-US companies?

••

Luffy@Luffy3D2Y

1Yr

@RaphGM If you believe in US companies in the long term, why not? You can only see who had the best strategy at the end of the individual journey anyway.

•

KingC@RaphGM

1Yr

@Luffy3D2Y That's clear, I just wanted to know why.

•

Flo@Elurian

1Yr

@RaphGM All of these companies are globally positioned and represented, which also ensures diversification.

•

Charlyfirpo@Charlyfirpo

1Yr

Make great listings....weiter and achieve goals.
Is this a tool you used to do that?

•

Finanzkroko@Finanzkroko

1Yr

@Charlyfirpo excel 😅

•

Dan B.@Darkside_Investing

1Yr

I think it's great, clear strategy and consistently implemented, keep it up 😉👍

•

Finanzkroko@Finanzkroko

1Yr

@Darkside_Investing danke 🤩

••

Floriano@FlorianoPerlini

1Yr

The graphics are awesome. How do I recreate them? Simply mega. About the portfolio: I think there are too few shares.

•

Finanzkroko@Finanzkroko

1Yr

@FlorianoPerlini the graphics are from ecxel and Photoshop

•

Frank@BlueVelvet

1Yr

Which app did you use to create the beautiful kitchen diagram?

•

Finanzkroko@Finanzkroko

1Yr

@BlueVelvet Photoshop

••

Frank@BlueVelvet

1Yr

Pie chart ;-)

•

IchPutzHierNur@IchPutzHierNur

1Yr

why dividends? 😂 share price gains are becoming increasingly important with inflation data

•

Aktienmasseur@Aktienmasseur

1Yr

@IchPutzHierNur Dividend sells (Sex sells..)

••

Krush82@Krush82

1Yr

I don't quite understand, hasn't the savings plan only been running since 2018 and has yielded 39% so far?

••

Kurz@MrKurt89

1Yr

@Krush82 ja

••

Ella Marie Waschbär@DividendenWaschbaer

1Yr

@Krush82 I also don't get 13% p.a. and the MSCI should also be 2018-today as a benchmark and not 20 years.

•

Finanzkroko@Finanzkroko

1Yr

@Krush82 has been running since 2018. Have now run the MSCI World via the back test. From 2018 to 2024 it would be 46k. So very similar to my savings plan. Both therefore around 11% p.a. Can't post pictures in the comments. If a screen is desired, just write to Insta.

••

Krush82@Krush82

1Yr

@Finanzkroko but 11% CAGR still doesn't fit for 2018 - 2024?! Your total portfolio would then be around 60k or what is your starting value?

••

Finanzkroko@Finanzkroko

1Yr

@Krush82 It is a savings plan. No individual investment 😊✌️

••

Krush82@Krush82

1Yr

@Finanzkroko Then please do the math for me ;-)

•

M47@Jiyanask

1Yr

@Finanzkroko why not msci ? Much less risk similar performance with hardly any effort...if you want to generate income later via dividends then sell MSCI and buy dividend companies ....

••

Floriano@FlorianoPerlini

1Yr

@Jiyanask Too little dividend yield, some simply want more or focus more on this so that they remain motivated in the long term.

••

M47@Jiyanask

1Yr

@FlorianoPerlini verstehe

••

Finanzkroko@Finanzkroko

1Yr

@Jiyanask if you sell the ETF later and want to reallocate, then you first pay tax on the profit. I don't have any work with my savings plan. It's been running fully automatically since 2018 😊

••

View all 4 further answers

charly984@charly984

1Yr

How do you do that? Do you buy something of each share every month?

••

Money_Herr@Money_Herr

1Yr

the important thing is to STAY THERE

••

eprichter@eprichter

1Yr

MSCI Core World IE00B4L5Y983 28.02.2018 to 28.02.2024 95% growth!

••

Rene@schweizerinvestingenieur

1Yr

Cool thing. Well done!

••

Marco@Einsteiger

1Yr

Hello @Finanzkroko. How do you see your portfolio in 10 years? Will you leave the losers in the portfolio as a control group or will they be dipped against other positions? Remark. I have now sold the worst performing positions after 4 years. These included all tobacco stocks, Unilever, 3M and everything with EM.

••

Finanzkroko@Finanzkroko

1Yr

@Einsteiger As long as nothing changes for me, they will stay in. There were several reasons for selling AT&T, the dividend cut and the incompetence of the management.

•

Deleted User

1Yr

Comment was deleted

Chris@Chrisressarts

1Yr

@ausgeklammert I took the trouble to google it 😀

67% -> 13.4% p.a.

•

Deleted User

1Yr

Comment was deleted

Show answer