Finn696 · 2024-11-26T23:00:29.565779Z

Guten Abend, ich bin 18 Jahre alt, noch relativ neu im Bereich der Geldanlage und möchte mein Erspartes mit Bedacht investieren. Daher wende ich mich an euch, um einen Rat einzuholen. Aufgrund des aktuellen Stellenabbaus sind die Aktien von $MBG , $VOW , und $P911 stark gefallen. Ich hoffe, dass die bevorstehenden Neuwahlen im Februar eine positive Wendung und damit einen Aufschwung für diese Werte bewirken könnten. Gleichzeitig ziehe ich die aktuell hohen Dividendenrenditen von etwa 10 % bei $MBG und $VOW in Betracht, befürchte jedoch, dass diese angesichts der derzeitigen wirtschaftlichen Lage entweder gekürzt oder vollständig gestrichen werden könnten. Wie schätzt ihr die Situation ein?

@Finn696

1Mon·

Good evening, I am 18 years old, relatively new to investing and would like to invest my savings wisely. I am therefore turning to you for advice. Due to the current downsizing, the shares of $MBG (-0.03%) , $VOW (+0%) , and $P911 (-2.3%) have fallen sharply. I hope that the upcoming new elections in February could bring about a positive turnaround and thus an upswing for these stocks.

At the same time, I am taking the current high dividend yields of around 10 % into account. $MBG (-0.03%) and $VOW (+0%) but fear that these could either be reduced or completely eliminated in view of the current economic situation.

How do you assess the situation?

24 Comments

Epi@Epi

1Mon

The dividend strategy is counterproductive at a young age. Too little return.
Otherwise, just google "value trap." 😉

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FairValue@FairValue

1Mon

@Epi Does anyone happen to have any empirical data on this?

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Epi@Epi

1Mon

@FairValue The web is full of them. What's stopping you from taking a quick google?
10s:
https://starlightcapital.com/en/dividend-growth-stocks-vs-high-dividend-yield-stocks

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FairValue@FairValue

1Mon

@Epi The internet is full of everything, for every study there's a counter-study if you search long enough and the significance of most of the studies is very limited.

I understood your initial comment to mean that dividends should generally be avoided.

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Epi@Epi

1Mon

@FairValue Hmm, you asked for empirical data, but at the same time you say that there is a counter-study to everything. So is there no truth to the stock market at all in your view?

I have nothing against dividends per se, only against a dedicated dividend strategy. It underperforms.

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FairValue@FairValue

1Mon

@Epi I am always open to studies that I may not yet know.
But basically, I think it's difficult to tell the truth on the stock market.

I agree with point 2

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Thorsten@silverbug999

1Mon

Invest in broadly diversified etfs. Never invest in cars. Unnecessary risk!

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Moritz@leveragegrinding

1Mon

The automotive industry makes little sense, as you need one thing for rising prices: actual figures are better than the estimate.

It's less about growth or anything like that, just about a company doing better than everyone expects:

That's not likely to happen with VW etc.

I would recommend buying 2-3 shares with a maximum of 25% and then simply holding them for at least 365 days from the time of purchase, no matter what happens.

The rest ETFs, you can adjust enough as you wish :)

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PunktPunktKommaStrich@PunktPunktKommaStrich

1Mon

But it doesn't sound like a prudent investment :))

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Chris@Psychedelic_Sunflower

1Mon

At 18, investing in dividend stocks makes no rational sense. Unless you have a few million in cash and want to live off it, then look for stable dividend payers and enjoy it.

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FairValue@FairValue

1Mon

@Psychedelic_Sunflower Quatsch.

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Metis@Metis

1Mon

@Psychedelic_Sunflower If the motivation is psychological, then it also makes rational sense to want dividend stocks.

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gqx@gqx

1Mon

@Metis But in this example, it is completely inappropriate to focus on the German automotive industry. The dividends of these companies are anything but sustainable...

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Metis@Metis

1Mon

@gqx That's a whole other topic, whether the selected shares are the right ones at all. :D

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Chris@Psychedelic_Sunflower

1Mon

@FairValue ja?

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Chris@Psychedelic_Sunflower

1Mon

@Metis I classify psychological motivation as irrational. Rational is to look for an investment strategy according to the facts that has a higher probability of yielding a higher return.

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FairValue@FairValue

1Mon

@Psychedelic_Sunflower The return potential and quality of a company is not determined by whether it pays a dividend or not.

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Metis@Metis

1Mon

@Psychedelic_Sunflower However, it is extremely important to have knowledge of your psyche so that your emotions don't destroy your strategy. Making a decision rationally doesn't help you if you don't follow through with it under strong emotions. And knowing this and taking your emotions into account is also rational in the end.

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Chris@Psychedelic_Sunflower

1Mon

@FairValue No, not that, but companies that pay out a relatively high dividend have generally already experienced their greatest growth and will underperform the broad market in the long term. You buy companies despite the dividend, not because of it. Unless you want to consume the dividends. And even then, it may make more sense to sell some of the shares.

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Chris@Psychedelic_Sunflower

1Mon

@Metis That's why emotions have no place in the stock market. Emotions are not rational, and so neither is the action that tricks them. However, a dividend strategy is still better than a savings account or doing nothing, but it cannot be justified rationally and without emotion (if you are looking for higher returns)

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View one more answer

user35903002213@user35903002213

1Mon

Better bet on the following, where growth can still be expected:

https://www.finanzen.net/aktien/infineon-aktie
https://www.finanzen.net/aktien/siemens_healthineers-aktie
https://www.finanzen.net/aktien/sartorius_vz-aktie
https://www.finanzen.net/aktien/nemetschek-aktie
https://www.finanzen.net/aktien/atoss_software-aktie
https://www.finanzen.net/aktien/bechtle-aktie
https://www.finanzen.net/aktien/carl_zeiss_meditec-aktie
https://www.finanzen.net/aktien/amadeus_fire-aktie

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Dominik@ETFs_sind_dummes_Geld

1Mon

@user35903002213 Rather US growth stocks

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user35903002213@user35903002213

1Mon

@ETFs_sind_dummes_Geld I would do the same, but I had understood that he wanted to focus specifically on Germany because he expects a recovery in Germany after the Reds and Greens were voted out in February.

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