3Wk·

Restructuring

Hey, I have a question for you: what do you think of my portfolio changes?

I've been on the stock market since January and initially invested in three ETFs ($EIMI (+2.42%) , $IWDA (+0.44%) ,$WSML (+0.34%) ) these positions are now gone. Instead, dividend payers have now been added to the portfolio. Was this a sensible decision (in my opinion there is no right opinion on this subject)?

3Positions

€365.24

0.41%

21 Comments

Caynify@Caynify

3Wk

Before you invest, invest in education. You've already added to your portfolio, you're 18 and actually need growth and not sideways stocks that pay dividends. Instead, put a world ETF in your portfolio and save it until you have enough capital and knowledge to invest in individual stocks.

No investment advice.

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trade_visionary_2240@trade_visionary_2240

3Wk

@Caynify Hey thanks for the feedback. I have been investing in my financial education since I was 14. I have a world ETF but it pays out which is my goal because I think it's better. When my portfolio gets bigger I will spread the money a bit more but currently the focus is first cash flow.

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GHF@GHF

3Wk

Hey, you're young and you've taken the first real step. That puts you ahead of most people your age, and you can be proud of that.
Don't try to find the optimal strategy right from the start (yes, that sounds stupid, I know). In case of doubt, this will only lead to you constantly selling and buying... back and forth empties your pockets.

Think about your goal first, and then think about your strategy and how you want to achieve it. You should also realize how much risk you are willing to take and how confident you feel in the matter.
Then you can decide which papers you want to use to get there.
In the beginning, I would recommend a classic ETF, which you might supplement with individual securities from your strategy. Then it's not so bad if you make a mistake every now and then. (you will be wrong more often)

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trade_visionary_2240@trade_visionary_2240

3Wk

@GHF Hey, thanks for the feedback and also for the tips. I am fully aware that you are not always right. The first goal I have is to get 1€ per month in dividends and to build on that (hence the current choice and shift from three ETFs to one). I will add more ETF shares over time to hedge the whole thing a little more, but my focus is still on monthly payers.

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A@nitroxx

3Wk

I think if you want to have a certain distribution, the Ftse would have been good as a distributing variant, I don't think your current choice is quite optimal.
First build a stable base with an Etf Ftse, Acwi imi etc

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trade_visionary_2240@trade_visionary_2240

3Wk

@nitroxx Okay good to hear but I wanted to get a small amount every month to start with, the aim now is to expand the whole thing and reinvest the first payments.

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Metis@Metis

2Wk

Don't rely on monthly distributions to start with. Getquin also calculates a monthly average over the year with quarterly distributions.
I'm a dividend lover myself and still have a few decades of stock market investing ahead of me before I retire, but growth is not to be sneezed at, especially in the first few years.
Then it's better to take the "normal" global ETFs like a FTSE AllWorld and then just in distributing form. But they have the required share price growth and an okay dividend growth instead of a directly high dividend.

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Thomas@Thomas_1963

3Wk

My sons also wanted distributing ETFs. I recommended the $TDIV and the $ISPA to them.
Both have also been in my portfolio since 2023. In addition to a good dividend yield, the growth in value is also not to be sneezed at.

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trade_visionary_2240@trade_visionary_2240

3Wk

@Thomas_1963 looks very good. My only concern is that it doesn't pay out every month which is my goal but thanks for this tip I'll keep it in mind.

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D.S.@Crash-Propheteus

3Wk

A well-intentioned tip: Before you try out different share strategies and present a portfolio of less than 400 euros here, it would be a very worthwhile investment to attend secondary school again, with German as a single subject.

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trade_visionary_2240@trade_visionary_2240

3Wk

@Crash-Propheteus so watch out whoever you may be if I make a typo it doesn't mean that I can't speak German and I'm currently doing my Abi I don't know what degree you have. I'm not interested either but just to you so that you realize how unnecessary your comment regarding my question was ;)

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Paul@paul_finesse_

3Wk

@Crash-Propheteus but unfortunately you also mistyped. 🤓

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D.S.@Crash-Propheteus

3Wk

@paul_finesse_ That was the excitement 🤪

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trade_visionary_2240@trade_visionary_2240

3Wk

@Crash-Propheteus and where is my spelling mistake now? I still haven't received an answer.

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Paul@paul_finesse_

2Wk

@Crash-Propheteus I have made you nervous. 😂

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JP512@JP512

2Wk

I would put everything in a $VWCE. Unfortunately, you hardly notice the dividends with small amounts. You need a portfolio of more than 100k.

I know it's more fun and motivating, but it won't get you anywhere at the moment...

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Metis@Metis

2Wk

Addendum: if, as your bio says, you are really aiming for "€100m" in family assets, I would advise you all the more urgently to focus more on growth and ignore the dividends!

I have small amounts of Main Street Capital and Realty Income in my portfolio myself and they are snoozers in terms of price.

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trade_visionary_2240@trade_visionary_2240

2Wk

@Metis Yes, I am aware that they are not the biggest sellers but it was important to me not to have the money in the bank at 0.001% and that was the argument I made. I plan to sell part of my holdings after the next BTC Halving in 2028 and put them into a world ETF.

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Metis@Metis

2Wk

@trade_visionary_2240 If you are looking for something better than overnight money, I would rather suggest a money market ETF... But these are not ways of accumulating wealth via the stock market, but capital preservation.

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trade_visionary_2240@trade_visionary_2240

2Wk

@Metis I am interested in wealth accumulation. But I have bought the dividend payers and will keep them and go back to an acc world ETF. Thanks for the tips.

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Alberto@alber0077

2Wk

Don't go with dividends, you will end up paying taxes and not compounding

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