BockaufDividenden · 2024-07-26T19:27:36.132840Z

50er Sparplan ausgewählter Aktien Hallo zusammen, ich habe mir nach langem hin- und her einige Aktien herausgesucht, die zum Teil rein auf Wachstum , stärkere Dividenden und Dividendenwachstum abzielen: Ziel wäre es die jeweiligen Aktien erst mal mit 10€/Aktie zu besparen, später dann z.B. 20€/Aktie....oder ist es absolut non-sense und Zeitverschwendung? Meiner Meinung nach sind viele dieser Aktien Burggraben und langfristig im Markt etablierte Firmen, die jeder auch so kennt. Ich möchte damit zuverlässig steigende Dividenden generieren und auch schönen Wachstum im Depot haben. Ein $ISPA z.B. generiert auch schön Wachstum, läuft aber gefühlt nur seitwärts... Doof ist natürlich, dass pro Aktie bei der Sparrate z.B. in 10 Jahren gerade mal 1.200€ oder etwas mehr investiert hat....klingt erst mal lächerlich wenig. Was meint Ihr? (Bild klicken zum größer machen) @Simpson @Kay90 @Luis-

@BockaufDividenden

5Mon·

50s savings plan of selected shares

Hello everyone,

After a lot of back and forth, I have picked out a few stocks, some of which are aimed purely at growth, higher dividends and dividend growth:

The aim would be to invest in the respective shares at €10/share to start with, and then later e.g. €20/share....or is it absolutely non-sense and a waste of time? In my opinion, many of these shares are moats and long-term established companies that everyone knows. I would like to generate reliably rising dividends and also have nice growth in my portfolio. A $ISPA (-0.69%) for example, also generates nice growth, but it feels like it's only going sideways...

Of course, it's stupid that each share has only invested €1,200 or a little more in 10 years at the savings rate, for example.... sounds ridiculously low at first.

What do you think? (Click image to enlarge)

@Simpson
@Kay90
@Luis-

14 Comments

Barsten@Barsten

5Mon

In short, any MSCI World will easily outperform you 😬 not to mention the time required to keep up to date with 50 assets in order to be able to react if necessary.

Perhaps you could start by building up a stable core of 50+% and then gradually add satellites?

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BockaufDividenden@BockaufDividenden

5Mon

@Barsten Do you think this is such a bad selection of shares?
They should actually be stocks where you don't have to constantly find out what's going on. And if 10-20 are doing badly, 30-40 are mediocre but 40-60 are doing super well, that's fine

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user35903002213@user35903002213

5Mon

@BockaufDividenden There are some very good companies, but an ETF will still outperform you. Why do the work?

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Homer@Simpson

5Mon

You can do it 😊👍 I have many of them in a savings plan myself😁, with some I would reconsider something like Basf or Verizon there are certainly better alternatives 😉

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Pandamona@Pandamona

5Mon

Look for 10 stock weights, 2-3% each and the remaining 70-80% a core (world or all world) so you sleep better

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Negroni@Negroni

5Mon

Well, you can do it... but you don't have to.

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Julian@MoneyISnotREAL

5Mon

If you want to keep up the effort in the long term, there's nothing to be said against it.

I ask myself the following questions, among others:
- Rebalancing the weighting of individual stocks?
- Adjustment, e.g. of the weighting of the sectors in relation to each other?
- Do you want to make the effort permanently?

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Ayecaramba@Ayecaramba256

5Mon

@MoneyISnotREAL With so many positions you don't really need rebalancing because it's almost impossible for one share to account for more than 5%. At least that's the case for me. I have over 100 and NVIDIA is still only at 3.6% and that's actually too much for me, but it balances out over time anyway

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Julian@MoneyISnotREAL

5Mon

@Ayecaramba256 I would not have expected that now. I would have assumed that good performing stocks would be weighted much more heavily than others.

Of course, this also depends on the initial investment.

But everyone is free to do what they want, and if you want to build your own ETF, why not?

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Ayecaramba@Ayecaramba256

5Mon

@MoneyISnotREAL well, no matter how well it runs. You invest a lot more in it

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Kay F.@Kay90

5Mon

I am of the same opinion as Homer. I also have various shares in my portfolio. 👍 I currently have 47 positions. Originally I only wanted to have 3 positions per sector, but in tech and financial stocks alone there are many large companies that are also among the top 20 in the MSCI World and pay good dividends. I believe that with a healthy mix you can beat the MSCI World despite the dividend strategy. I've been doing this for 3 years 😜 and I only have dividend stocks.
But in your picture there are also positions that are slow-growing apart from the dividend. That's why you can also save a few stocks that don't pay out quite as much in dividends but perform well.

It's the mix that counts.

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Kevin E.@KevinE

5Mon

@Kay90 But 3 years is also not a long time. I have been invested since 2017 and my individual stocks are also ahead of my core (VWRL), currently at 1.4% p.a.

I doubt whether this will remain the case in the long term and whether it's worth it when you consider the time involved. It's just too much fun at the moment.

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

5Mon

I don't find it useless. That's exactly how I started with my individual shares. And every bonus, tax refund, service charge, electricity or health insurance was used for individual investments (in addition to ETF purchases). In the meantime, the 10 has become an 11 and hopefully a 12 with the next salary increase. I invest in some individual stocks with more than 11, these are the positions that I want to build up more quickly or where I want to take advantage of longer-term weaknesses. For example, Nike at the moment.

What you didn't take into account in your written consideration is that the shares develop in value. Broadcom, for example, has more than doubled in value for me. Of course, this is just a snapshot in time.

Some people will tell you that a global ETF can outperform you, which is similar for me, but I want to create a stable income through broad diversification.
With only a few shares, a dividend cut has a greater impact.

In the end, you have to be able to sleep well with your strategy. In the end, no one can tell you whether you're doing the right thing because no one knows your thoughts, needs and starting position. You can only guess.

So my advice: make your experiences, stay on the ball and enjoy the rain of dividends on various payout dates.

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Paketknecht@Paketknecht

5Mon

Good stock selection. The only difficulty is sticking with it, i.e. buying certain stocks even when they are cheap and have crises and you are sometimes in the red, or generally when the portfolio as a whole is underperforming. I've been saving 40 shares for 3 years with €20 a month and you really need a lot of patience because at the beginning you have a few shares that don't go anywhere.

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