Hello.

Please give me some feedback.

As I have already written, I have made a few mistakes in the past and I am now trying to make up for them as best I can.

First of all: the Developed World ETF will be saved weekly with 50€ (for the next 20-25 years) and the savings rate will be increased in the future.

Since I have discovered dividends for myself since my capital mistakes in the past, my investments are now directed in this direction because I simply feel more comfortable with them.

simply feel more comfortable with having a passive income andno longer trust myself to pick growth stocks that will make up for my previous losses

Now I have the following strategy and would like to know what you think:

every year at the beginning of January I want to sell one or two of my positions that are grossly in the red and from which I no longer expect anything, e.g. $NEL, (-1,31 %)
$PCELL (-0,76 %) , $PYPL (-0,17 %) , $BABA (-2,88 %) to be able to offset the losses against the dividends.

Do you think this is a sensible strategy or do you mean sell everything now and put it in the World ETF? With Powercell, for example, I would only get €160 more and I wouldn't need the losses this year, whereas next year I would have the dividends tax-free again.

I'm curious to hear what you have to say.

Thank you very much.