5D·

Focus on long-term wealth accumulation with a family

I am 26 years old, married and the proud father of a young daughter who is currently 7 months old. At a stage in my life when many people are still thinking about "investing at some point", I have made a conscious decision to build up long-term assets - not only for myself, but also for the financial security of my family.

My portfolio:

My portfolio currently stands at around € 176,000, built up through consistent investing and a clear strategy. My focus is on two core ETFs:

Vanguard FTSE All-World UCITS (A2PKXG) - distributing, globally diversified, basic building block
Vanguard FTSE All-World High Dividend Yield (A1T8FV) - for solid cash flow via dividends

This is supplemented by targeted individual stocks (Allianz, BlackRock, Realty Income) to increase dividend & sector diversity.

My strategy:

70/30 split between All-World & Dividend ETF
Savings plan: currently €1,000/month, from September €1,300/month
Additional €1,000 extra investment every year in December
100% of dividends are reinvested
Rebalancing as required - no hectic reallocation

Target:

Long-term wealth accumulation, financial independence and a steady passive income from dividends.

I look forward to seeing how the portfolio develops. Always open to feedback or exchange!

6Positions

€176,764.27

24.80%

155

38 Comments

Vinc3🚀@BlockBard

Love portfolios like this, keep going 🚀

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Charly@FinanzPapa

@BlockBard Thank you! 👌👍👍

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NEWT@SteelAnacott

Congratulations!

But you shouldn't forget that many people at that age can't invest at all. In my mid-20s, for example, I was a student who financed my studies from summer job to summer job and had to get by on €700 a month during mandatory internship semesters, for example - and that didn't include rent.
As a business student, I would have liked to invest in the capital market - but for financial reasons I could "only" invest in my education.

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Charly@FinanzPapa

@SteelAnacott Absolutely valuable comment that I agree with 100%!
Of course, I am aware that at my age this amount is absolutely not a matter of course and that we can be grateful every second.

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DividendenAlpaka@DividendenAlpaka

Young, family, proud dad, met the Lothar & solid portfolio...you do a lot right & make me proud 😃

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Charly@FinanzPapa

@DividendenAlpaka the comment makes me happy. 👍😊 Thank you for the kind words & I am grateful every day that I can achieve something so young! Best wishes from me

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Hendan@Hendan

Wow! Well done 🚀

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Charly@FinanzPapa

@Hendan thank you my Friend! 👍👌

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Horsti@Horstiiii

Very good. Looks great.
Don't forget the Jubini custody account for your daughter 🤪 ING Diba is great there, you are welcome to get a link 😀

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Charly@FinanzPapa

@Horstiiii Thank you for your lovely comment! 👌😊 The little one already has a JuniorDepot with Comdirect. Otherwise I would have liked to take you up on your offer! LG Charly

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Marcelo@Marcelo-80

Beautifully kept simple with a clear strategy. I like it.

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Charly@FinanzPapa

@Marcelo-80 Thank you dear Marcelo! I wanted it to be as simple as possible to bundle my savings rate into 2 ETFs! Best regards from me

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Joris@Joris

Looks good. I didn't think about investing when I was in my mid-20s either. Only in my mid-30s and already have a larger portfolio than me. Great 👍 something big is emerging.
The only thing that would bother me is the dividend ETF, I'd rather put everything in the All World. It performs better in terms of price and also has dividends.
What about real estate? Is it saved outside the custody account or are parts of the custody account sold?

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Charly@FinanzPapa

@Joris Thank you for your detailed and kind comment 😊
The Divi ETF was only added recently... it's more of a small motivational investment... but I agree with you on that point!
On the subject of property: we live in our own apartment in my parents-in-law's house and will inherit the entire house at some point. We are extremely grateful that we can live so "cheaply" and have been given the huge opportunity to invest so much so early on. 😊

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Joris@Joris

@FinanzPapa ok sounds good with the housing. Saving that much is a luxury.
Your child and wife are enough motivation, you don't need dividends 😅 just focus on increasing your assets. Well, no matter which option, ACC or Dis, in the end we pay tax on our taxed money again 😅
Wish you continued success. 🍀

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_EvD_@_EvD_

Very stable performance. Great job. Keep it up 😀

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Charly@FinanzPapa

@_EvD_ Thank you very much and have a great evening 😊👍

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Jacopo@Jouble

Hi, if you reinvest all the dividends, why get them?

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Charly@FinanzPapa

@Jouble fair Question👍 It’s for the feeling & for the psychological effect… it keeps me running and extremely motivated!

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Jacopo@Jouble

@FinanzPapa Okay, I understand. And why no bond position?

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Metis@Metis

Uhm. Just keep going? You've already come a long way. :D
Late starters like me in my early 30s are nowhere near that far. 💪🏻

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Charly@FinanzPapa

@Metis Thank you for your lovely comment! I think the future belongs to all of us and I am very sure that your portfolio is also extremely strong. Best wishes and have a great evening!

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Jason M.@JasonMcMillen

Very good portfolio, that's exactly how I want to invest later on. I'm just not sure yet whether 70/30 or 50/50.
I would go for the accumulating Vanguard All world.
I also find the Swiss Titans interesting because of its sector and currency diversity. The Swiss franc depreciates less than the dollar and EUR and Nestle as the largest position is a great stock even in times of crisis. In addition Lindt Xetra Gold, Unilever and BAT (with 12k approx. 100€ per month dividend) alternatively Imperial Brands. an extremely solid dividend etf is also the $SPYD, although only 2% divi but 8% pa. divi growth, thus doubling every 8 years and very little drawdown. Even less than All world although 100% USA. This is because aristocrats have to pay out dividends over 20 years, even in crises, so they have to have a crisis-proof business model. If they are cut, they are removed from the list. During the crash, I shorted my ETFs piece by piece and reinvested in MAG7 because I was hoping for an excess return. However, the risk is of course higher. If the indices correct by 10-20% again and Big Tech is cheap, you could also buy Apple, Microsoft and NVIDIA anti-cyclically. Lg

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Investfamily@Investfamily

I would also like to be that consistent. I have an urge for individual shares.

Great in any case, I wish you and your family good returns :)

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value_hunter_1930@value_hunter_1930

How do you manage to save < €1000 in ETFs at the age of 26? And that even with a family. Do you save in other pots such as call money? Do you also live in a metropolitan region? Here it's difficult to save that much even with a top salary, as soon as you have a family and need a larger apartment you quickly pay 2,000-3,000 a month in rent

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EmWendy@PhoenixFortressEM

Great job man

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Bruno16572@Bruno16572

Amazing progress! And you started so young thats very nice. I also started investing with 21. I'm investing 1000+ each month on similar ETFs. Hopefully one day I'll have a portfolio like yours 👌🏻

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Richy@-Richy-

Mega Mega Mega 👍 weitermachen 🚀

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Greno@Greno

This is the way 🖖

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Fabian@Road2OneMillion

Why invest in a dividend ETF that pays out dividends when you reinvest 100÷?
This will cost you a lot of money in the long run because you have to pay tax on your dividends all the time. Much better to simply choose an accumulating ETF of the same type. LG

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Show answer

leetcr3w@leetcr3w

Congratulations on this great portfolio. I wanted to start investing in ETFs when I was in my mid-20s, but I didn't dare because I had no experience and my mother thought an overnight money account was safer. Long Story Short I envy you and don't regret having done it back then. All the best for the future

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ETF-DIY@ETF-DIY

Looks like a great life situation!

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MrTn@mabie

Very nice portfolio Sir! Wow! 🚀

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Follower C.@Dividendenflowmit60

Very interesting, you can still do a lot. My portfolio is a little less than half that, but I save about the same amount, unfortunately I missed the ETf base. Right from the start, I focused fully on dividends in order to make the most of the allowances. I'm now adding S&P, EM and China ETFs to my portfolio, so that I can now add to the basic stock.

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KapitalQueen👑@kapitalqueen

I would also add emerging markets ETFs here

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HyFive@HyFive

Long-term and then no $BTC in the portfolio? very dangerous from MY point of view!

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six@six

A2PKXG is the accumulator, not the distributor. Fortunately, you mistakenly bought the better, more tax-friendly one 😉

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