🚀🔥Update on our freedom roadmap - less complexity, more focus 👨‍👩‍👧‍👦

@Pacco93 🚀🚀🚀

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Manu@FrauManu

Thank you for your post 🥰
The wife and kids will thank dad for investing the time in them rather than monitoring them on the PC. The offspring are simply growing too fast, and the time when they are still "small & cute" is not coming back. Enjoy 😄

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@FrauManu Thank you! :-)

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Chris@Multibagger

@FrauManu I can't add anything to that. I pretty much missed out on this time when my son was little, not through excessive investment, but through working too much and having a job that took me all over Germany.

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Manu@FrauManu

@Multibagger That sounds very familiar to me, my husband feels the same way

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Eselai@DonkeyInvestor

Very sensible. I said goodbye to individual shares some time ago for similar reasons. Why $VWCE and $TDIV instead of simply everything in $VWRL and $BTC? And why in tranches if you were already fully invested before?

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@DonkeyInvestor $TDIV has been going strong and would then have to pay high taxes. I wanted to wait and see what would happen to my colleague. I've already stopped the savings plan. Accumulator $VWCE, I don't have to worry about anything. The thing runs and that's it. Tranches because they make me feel better. I agree with you, all in and done makes the most sense. But I don't think I'm going to put it off for longer than 1-2 months.

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Eselai@DonkeyInvestor

@fabsch Good luck with that

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@DonkeyInvestor danke!

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Leah C.@Leah99

Contrary to the background noise in the comments here, which is always there as soon as ETFs are in the running "All-in All world", it makes sense to add the TDIV. Unfortunately, you can write your fingers to the bone against the AllWorld disciples. It makes sense not only for reasons of dividends (if you want them), but also for reasons of vola dampening. On the one hand, TDIV has a completely different risk profile, and on the other, it likes to run exactly counter to the overall market. (2022... or even April 2025 - it did not participate in the first Trump dip, on the contrary. Only the second)

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Hi @fabsch,
very good decision in my opinion. Even if you are saving for financial freedom. When you enjoy it, do you still want to analyze 30 individual positions year after year to see if you are still doing well?
I also started with individual shares and quickly switched.
Because nobody here is going to follow the same strategy with individual shares for 50 years. And the tax losses are far too unnecessary and, in case of doubt, take away the few percent by which, with a bit of luck, you beat the market in the long term. I think in the long term the tax deferral effect is far more efficient in an accumulating ETF (of course it can also be a distributing ETF).
But it remains for me to say that I really like your decision!
Incidentally, we share our goals, year of construction, home and apartment situation and parental time situation. 😊
I'm excited to see how our paths continue and wish us the best of luck 🍀😋

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@Wealth-Accelerator so many parallels. 😇 I wrote about the individual stocks and said I'd see if I could get started here again. If I do, it will be very concentrated. Definitely in single digits. But it's also possible that I won't add any more to my portfolio. Come time, come advice. 🔮 Good luck and all the best for your family!

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@fabsch
I haven't ruled out individual shares either. However, compared to a global ETF, I see them more as a hobby in my portfolio.
Something I copied from someone here and adapted slightly:
In addition to the savings plan on $VWRL, my son always receives an individual share from a company he already knows from his life for his birthday and Christmas. In other words, he can make a direct connection. So he received a $PHIA share as his first investment.
I can use this to introduce him to the world of shares when he is older. At the same time, he can compare how his world ETF has performed with the individual picks.

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KevinE@KevinE

@Wealth-Accelerator In fact, the idea that I have more time for stock analysis in my FI is one of the biggest drivers to achieve this 😅

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@KevinE
I have more serious hobbies 😂😂
For example, the mountains I see behind you 😉

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KevinE@KevinE

@Wealth-Accelerator I also have many other hobbies 😃

But my wife wants to work "normally" until 65 (scientific field) and her expertise is not really sought in the mountains. So mountaineering, trail running and hiking will be limited to a few weeks a year.

Here at home, I can only gravel and run normally (and smaller trails).

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@KevinE looks a bit familiar to me 😅

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Don C.@PoorDad

Hi, I'm glad to hear you've settled into a new strategy that better suits your lifestyle. I've also been investing since 2021 with a focus on dividend growth stocks, but only check the situation of my stocks on quarterly figures or when I notice that my companies have important headlines. Otherwise, I briefly check my portfolio on Parqet or Getquin every day anyway. So far, I'm very satisfied and will continue with my strategy.
It's the start of a new year with new goals and new surroundings, I hope you've been able to gain a lot of experience so far, which you can now use for the future. 🤟🏽

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@PoorDad Perfect! If that's how it works for you - you've done everything right! Everyone has to find and follow their own path. And above all, find a good balance between all of this.

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Leah C.@Leah99

Two comments anyway.d sorry to write two comments, but the browser version is unfortunately sometimes just crap and sometimes not (enter to make paragraphs sometimes works, sometimes not). So... maximum diversification you say... that's not true: small caps? Commodities? At least you should think about gold. I understand; if you want to leave commodities out. The second point: you talk about dividends... then why not the distributing All-World? It's unwise from a tax point of view (even with reinvestment you will lose a portion), but it fits the strategy better... in fact, a distributing broad market ETF is usually more efficient in the very long term in terms of return and even distribution than dividend ETFs

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@Leah99 maximum diversification on the stock market within a product, was perhaps somewhat unclear, sorry. Of course you could have considered $SPYI, but in the end I opted for the longer established product. Commodities - yes, you're right too. But not an issue at the moment. I want to start limiting the portfolio to a minimum of "work" and review my strategy based on figures, data and facts before I bring additional components on board that will generate additional work again.
$TDIV Still in the portfolio, for now. I have made large book profits and don't yet know how I can reduce the ETF with minimal tax damage. I'll have to think about it in peace. And as long as it continues to perform as it has in the past, I can take my time. But the aim is to have reallocated these positions at some point.

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Thesaurus@Thesaurus

May I ask why you don't just put everything in the $VWRL instead of the $VWCE and the $TDIV?

EDIT: saw the question was already asked sorry

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Do you pay taxes on dividends where you live?

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Unfortunately we do…

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@fabsch so provocative question: why dividends? You are needlessly loosing 20 something percent of your return for nothing.
If you want exposure to quality factor there are accumulating ETFs. Even the vanguard all world high dividend has an accumulating version ☺️

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@surgicalinvesting For ETFs we pay roughly ~18,5% taxes and social security fees. Currently I am checking what to do with the $TDIV. Because if I sell now my whole position I have to pay a lot of taxes. So currently actions are on hold until I found a minimum painful solution. 😀

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