iShares STOXX Europe Select Dividend 30

I (early 50s, so still a good 15 years to work on the portfolio) would like to hear your opinion. I've been with Trade Republic since January, mainly because of the 4%. But then I started saving a few ETFs, then buying and selling a few shares. So I played around. At the moment my portfolio has three or rather four different parts. Let's put it this way, the family treasury has given me around €10k to play with. The rest remains in call money.

Of this 10K I would like to have a part to play, individual stocks, §IWDA, other ETFs that are close to me because of my work, XRP.

But that's not my topic here.

I want to build a dividend portfolio. Reduce working hours or improve pension, we'll see where the journey takes me. For now, I would reinvest all payouts.

The composition from December would look like this:

$MCD (-0,47 %) 15%

$TGT (-0,08 %) 3,5%

What do you think about the composition? Should something go in/out?

My aim would be to distribute the monthly distributions evenly. I'll have to play around with the ratios a bit.

My problem is that the months of January, February, April and May look too poor. What would you suggest that pays out in these months?

Roast me!

29 Comentarios

Epi@Epi

5Lun

Oh dear, where to start? Your plan is full of typical beginner's mistakes. Sorry.
Example :

10k does nothing for your pension. Especially if they are invested defensively. 5% divs make 40€pM. You're wasting more of your life on the subject!

Dividend strategy, especially after monthly distributions, is rubbish in terms of performance. Underperformance under all scenarios.

Fees, diversification, risk profile - all suboptimal in your proposal.

My guess is that your Ministry of Finance is against investing in the capital market because it fears risk like the devil fears holy water or it simply sees your lack of experience. Basically, however, it has no understanding or even interest in the topic. This, together with your desire for peace and your own lack of experience, ties your hands and you look for a strategy that will show immediate success and increase the family income. That's why you're pursuing the irrational strategy.

My tip in this situation: take a look at the 200-day strategy and portfolio concepts. Above all, you can use them to reduce risk. Explain what you find there to the Ministry of Finance or, even better, involve it in your learning process until it gains confidence. Then you can significantly increase the portfolio amount to a sensible level and pursue a rational, high-return, low-risk strategy, e.g. MSCIWorld + gold + 200-day strategy = 8%pa under 20% drawdown.

Good luck! 👍

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Denis S.

@Schneidi1985

1Año·

Hi, I've been investing in funds since 2010 and have gambled a bit on the stock market from time to time, which always went well, except for this January when I took a dive into the toilet, well, that's part of it, I'd say. Since November 2023, I've been thinking that maybe I should stop gambling and build up something solid and long-term via a savings rate. (even though I hit the wall in January)

Now I have opened 2 brokers TR and Finanz.Zero

In TR (€ 238 per month) I wanted to save in individual shares and in FZ - ETF's (€ 225 per month) my funds continue to run in parallel with € 150 per month and then there is another € 200 per month on the call money account. Monthly investment of € 813

Now I've thought about the following and wanted to ask you for your opinion:

TR (admittedly it's a bit like gambling again :) )

$BAYN (-1,42 %) 12€ per week

$KO (+0,27 %) 12€ wö.

$AMZN (-0,9 %) 50€ monthly

$IFX (-2,26 %) 12€ weekly

$PYPL (-0,93 %) 12€ weekly

$XAIX (-1,79 %) 75€ monthly

$LYPS (-0,7 %) 50€ per month

$LYY7 (-1,11 %) 25€ per month

$BITC (+0,16 %) 50€ per month

$EXSH (-0,56 %) 25€ per month

DeKa

DekaFonds CF DAX $n/a (+0,04 %) perf. 18.59%

Deka-GlobalChampions CF $n/a (+0,17 %) perf. 32.78% (since 2018)

In addition, I am currently undecided whether I should liquidate the funds and rather invest in the ETFs because of the lower fees or leave the ETFs.

What do you think? Investment horizon, there is no concrete one, the €800 a month doesn't hurt me and I would only spend it on nonsense anyway.

17 Comentarios

Blacki704@Blacki704

1Año

I would definitely liquidate the Deka funds, the fees and running costs are far too high. As far as I know, deka also has a clause that a 15% return or (per year) higher can/must also be paid to deka 😬

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Micha T.

@Toppel

1Año·

$EXSH (-0,56 %) just like its big brother ETF both buckle strongly today. Does anyone know the background? Is there a portfolio shakeout going on right now? Or rather, which share(s) was (were) thrown out?

3 Comentarios