1Yr·

Depot presentation

Since Deutsche Telekom's IPO ....., I have unfortunately only paid in a mini savings installment or nothing at all for years, simply out of ignorance.

Parallel to my Deutsche Telekom employee shares, I invested in the $HJUF (+0%) and in 2021 I switched this to the $VWRL (+0.66%) in 2021.

Savings rate since 2021

My savings rate is currently approx. 500 euros/month plus dividends 🙂

Target

A few euros in additional passive income from dividends would be nice. Would like to retire in 2034 and hope that this works out 👍😊

ETF portfolio overview (as at 05.08.025)

My portfolio contains mostly ETFs:

the Vanguard FTSE ALL World $VWRL (+0.66%)
the Vanguard FTSE All-World High Dividend Yield $VHYL (+0.72%)
the iShares NASDAQ-100 $EXXT (+1.13%) as a "booster"

I save them monthly via a savings plan, my retirement provision ☺️

Shares:

Stock picking with individual shares doesn't work for me, I don't trust myself to keep an eye on the market all the time. Only Realty Income $O (+1.1%) has found its way into my portfolio and pays me a "still" very small dividend every month.

Crypto:

A small position $BTC (-0.27%) is being built up.

P2P:

Started as a small "test balloon", currently pays 6% interest. Target is a maximum of €1,000 as an investment in "Bondora Go&Grow", after which only the interest is tapped.

Dividends

My current incoming dividends of approx. 2000 € / year are directly reinvested.

4Positions

0.58%

16 Comments

six@six

1Yr

Wow. I'm always jealous when someone has started so early. I'm soon 47 and have only really started 2.5 years ago. I'm still thinking about whether and if, when I go into the All World High Dividend.@Kundenservice when gets the All World High Dividend actually times the new Vanguard logo like the

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JM@jm_finance

1Yr

@six Yes, those were also my thoughts...the Perfomance is not quite so good with the "dividend ETFs". Have now dared the step some time ago and hope that my calculation works out :-)

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six@six

1Yr

@jm_finance easier in retirement when fixed higher dividend payments come. Currently have the majority in the All World Thesaurierer (because of the tax advantage). However, I do not yet know how that runs in retirement. Selling shares at ING is still associated with higher costs. But in 20 years no one knows anyway how it looks. Am also considering a few years before retirement possibly also what to shift into bonds (make "one" probably so) 🤷🏻‍♂️

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JM@jm_finance

1Yr

@six....ja, I'll have to read up on the subject of "bonds" at some point....

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Kein Spekulant@randomdude

1Yr

@six The topic of the "withdrawal phase" is unfortunately neglected by most experts and influencers. The two points you mention (allocation, settlement) are enormously important and must basically be considered from the outset, especially from a tax perspective.

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Kundenservice von getquin@Kundenservice

1Yr

@six Once colleagues have the time to upload the logo with other logos. :)

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six@six

1Yr

@randomdude what are you saving for and what are your plans for retirement? Or still too far away?

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Kein Spekulant@randomdude

1Yr

@six My investment horizon is about 12 years. For this, I drive three-track: 1/3 Riester (special topic, is under observation 😉), 1/3 GTAA (see posts from @Epi on this) and 1/3 dividend ETFs. Idea is to later run withdrawal via dividends (+ Riester) on autopilot. Since the GTAA portfolio will be taxed, this gives me flexibility. But maybe I'll switch again and go to 2/3 on GTAA if practice confirms the backtest results.

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Tom A.@TA2400

1Yr

@randomdude exactly. But then I found good videos from 'finanzfluss' also regarding 'last in first out' and the topic 'Entsparen'.

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Juan@sotiega

1Yr

I've been thinking about the 'dividend' game lately, maybe I was influenced by some YouTube videos but I came to the conclusion that I dont need them right now. I am 20 years away from retirement and the majority of my portfolio is in global indexes. I understand that dividends give that gratification of seeing the cash coming in but if it is going to be reinvested, a global index (VWRL, PRIW, etc) delivers higher growth every year.

I will switch my investments to the 'dividend' type once I start withdrawing money from the account.

PS: The VWRL and PRIW (also stocks like AVGO) still give me those dopamine shots in form of dividends when needed :))

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JM@jm_finance

1Yr

@sotiega ......that's a good plan, if you still have to work that long, you don't necessarily need dividends :-)

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basicInvesting@mo_explains

1Yr

@sotiega could you share the videos please?

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Juan@sotiega

1Yr

@getquin1234 I watched them from many sources. You can find the YouTube channels at:

-https://www.youtube.com/@rynewilliams
- https://www.youtube.com/@TheCompoundingInvestor

and some others

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Christian@Stereomane

1Yr

At that time, I was also still content with stock market games... 😎 However, I also had the Telekom share in the sample portfolio at that time.

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ThomasHH@ThomasHH

1Yr

At your age, I would no longer invest in an ETF with high dividends. It makes more sense to invest in selected individual stocks, namely a mix of more conservative value stocks such as Allianz and some stocks with a high dividend yield and more risk, e.g. Reits. Check once a year and reallocate if necessary.

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JM@jm_finance

1Yr

@ThomasHH.... I had specifically opted for the dividend ETFs so that I don't have to keep an eye on the market and the individual stocks all the time 😉 $O is included and Allianz, plus the $IUSA for performance 🙂 Not to forget the $VWRL....many people shift around in old age to be able to cover a small part of the costs from the dividends (without selling shares), but I'll think about it, thanks for your answer 👍🏻🙂

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