1Mon·

Adjustment of my savings plans

moin moin,

since both $PEP (+0.1%) as well as $NOVO B (+2.7%) are weakening somewhat at the moment, I am taking the opportunity to adjust my savings plans. My $IWDA (-0.12%) will only receive €50 per month in future, $PEP (+0.1%) and $NOVO B (+2.7%) 75€ instead of 50€.

This will allow me to further expand my dividend strategy and increase the proportion of individual shares in my portfolio.

As I have now finished my training and will receive my full salary for the first time in mid-March, my savings plans will be adjusted again at the beginning of March and more will be added.

I would be grateful for a few suggestions for this - I am mainly looking for dividend stocks, but we can also talk about one or two growth stocks.

One consideration at the moment is my $KO (-0.36%) position, which is up just under 11%, into $PEP (+0.1%) to take advantage of the weak phase (and the higher dividend :) ) of PepsiCo.

I am also considering selling my $1211 (-0.96%) sell my position with a 33% profit and switch to $CMCSA (+0.74%) and reallocate. The same applies here - higher dividend and extremely favorably valued, and I would also have the communications/entertainment sector in my portfolio.

Please write me your opinion on this.

Thanks in advance :)

15 Comments

Marcel@xzxzx

1Mon

I don't know how big your MSCI World position is. But €50 a month? And for Mcs, P&g and Pepsi also 50€ each?

I don't think these stocks are a better investment in the medium to long term. Especially as they are in the World anyway. And just because of the dividend? I don't know.

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JH90@JH90

1Mon

@xzxzx I agree. Apart from Visa, no other share is currently outperforming a global fund.

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dividenden_herzog@dividenden_herzog

1Mon

@xzxzx My MSCI World currently accounts for 39% of my portfolio. Mcs, P&G and Pepsi currently between 1.6 and 1.9% each, so I don't see a problem there.
I agree with the share price growth, but an MSCI World does not pay a dividend of 2-3% (and yes, I am aware that the dividends do not cancel out the difference in the charts, but my long-term goal is to create a passive income)

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Steffen@Maveric2005

1Mon

Even if your goal is passive income, the msci will also have a higher personal dividend yield in real terms due to the greater price gain over time. Even if the dividend yield is well below 3% at the beginning, the personal dividend yield will be far higher later on.

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Marcin Kummer@MartyMcFly

1Mon

@xzxzx At your age (savings phase) I would put everything into an ETF, e.g. S&P500, and when you're approaching fifty I would think about switching to dividend stocks... Pepsi and co. will give you a very poor return that won't even compensate for inflation over your investment horizon...

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Investor_2040@Invest2040

1Mon

@dividenden_herzog I can understand that it's nice to get a few euros in dividends every month and that motivates you. It certainly makes the most sense to invest in a broad ETF. Just to think about it. How about investing in stocks like Microsoft, Visa, Unitedhealth, Novo-Nordisk, TSMC, MSCI, Home Depot or similar. You may have little dividend at the. You have little dividend at the beginning but it increases by at least 10% every year without you having to do anything. Then you have growth and if you look 20 years from now, probably a higher dividend yield than Pepsi or Nestlé.

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Aktienmasseur@Aktienmasseur

1Mon

Please focus more on the ETF.

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Jüüürgen@-Juergen-

1Mon

Take a look at the annual increase in dividends at $1211. There is still a lot of room for improvement. I would consider whether it makes sense to keep part of it.

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Moritz@MoKi28

1Mon

Today +10%, hope he hasn't sold yet :D

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dividenden_herzog@dividenden_herzog

1Mon

@MoKi28 No, I'm still inside, thank goodness 😅

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Chris@1Chrischi1

1Mon

pepsi's dividend may be higher, but so is the price per share 🤪

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dividenden_herzog@dividenden_herzog

1Mon

@1Chrischi1 So what? Dividends are always expressed as percentages and not as amounts. The percentage dividend at Pepsi is currently 3.7%, that of Coca-Cola "only" 3%.

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Chris@1Chrischi1

1Mon

@1Chrischi1 But 10 pepsi shares cost as much as 20 cola shares

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dividenden_herzog@dividenden_herzog

1Mon

@1Chrischi1 What don't you understand about percentages? I shift €500 (€500 Coca Cola is sold and €500 Pepsi is bought - so I no longer get a 3% dividend on my €500 but 3.7% (€15 at €18.50).

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