Hello everyone,

For some time now I have been wavering a bit about my dividend portfolio, whether I should use the 6 ETF savings plans (always staggered distributions for monthly cash flow) are not too complicated. About me: I'm in my mid-thirties and the aim is to build up more and more net monthly salaries through dividends over time. I enjoy looking at my bar charts in Portfolio Performance over the years and seeing how they get bigger and bigger every year compared to the previous year. For this year, I expect to earn around €3,700 in dividends with my current portfolio.

----- ----- -----

The Morningstar X-Ray already shows a lot of stock overlaps. The aim was always to combine 2 ETFs per interval with 1 each with high distributions + and 1 each with growth and to have good diversification:

January, April, July, October

$ISPA (+0,16 %) + $EXX5 (+0,29 %)

February, May, August, November

$FGEQ (-0,41 %) + $IMEU (+0,42 %)

March, June, September, December

$TDIV (+0,16 %) + $VHYL (+0,07 %)

+ $O (+0,65 %) + $MAIN (+1 %) + $ARCC (+0,58 %) + $VICI (+0,69 %) + $HTGC (+0,25 %) + $BATS (+0,77 %)

----- ----- -----

The ETFs have a value of approx. 15,500€ per interval, the REITs + BDCs below together approx. 31,000€. I would also like to invest in savings plans with dividend growth shares, whereby I want to proceed according to certain criteria: https://aktienkoenig.de/starke-dividendenaktien-mit-dem-dividenden-check-finden/#elementor-toc__heading-anchor-3

Would you simplify the dividend ETFs and reduce them from 6 to 3 or replace them if necessary, because that is overdiversified anyway, or should I rather "shut down" some of them and continue to save only 3 of them increased? I am basically undecided at the moment as to whether I should focus on higher dividend payouts or rather higher dividend growth. At the moment, I think it's all mixed up.

January is over. The first month of the year was relatively quiet for me: one hike and two ice baths in sub-zero temperatures. The investment knew what to do by itself. Time for a look back.

I present the following points for the past month of January 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

After a strong month in December, my heavyweight among the individual stocks has $AVGO (-0,14 %) lost a bit of steam during the month, but is still up by over 250% overall. A performance that I did not expect when I selected my stocks.

On the other hand $NFLX (+0,52 %) and $SAP (+1,57 %) are performing well. Netflix with +179% and SAP now also in triple digits with +118%. Both are in 3rd and 4th place in terms of volume. $WMT (-0,33 %) now with +105%, also a doubler. It gets exciting behind them, the financial stocks are rising. $BAC (+0,33 %) ,$V (+0,28 %) and $MA (+0,14 %) continue to push forward. Is this now a sign that financial stocks will generally rise again? It's well known that profits are rising there. I suspect that the stock market will now price in Trump's deregulation of the sector.

The red lanterns will once again go to the usual suspects $NKE (+0,66 %) , $DHR (-0,25 %) and $CPB (+0,32 %) . All stocks are now performing even worse at -35%, -29% and -22%. They are among the smallest positions in my main equity portfolio with the $DHL (+0,44 %) . I'm not worried about the big drop yet, but I'm already taking a closer look. I would have expected Danaher in particular to be back in the black after the last split.

➡️ ETFs

ETFs are doing their thing as usual. What else can you say except the typical?

➡️ Distributions

I received 23 distributions on 12 payout days in January. I am grateful for this additional income stream. Everyone should build up their additional income this way.

➡️ Cashback

There was no cashback payment received in my accounts in January. The separation of REWE and Penny with Payback is making itself felt and I have to come up with a new system for continuing my "cashback pension". So far, I'm thinking about adding up the rebates on the receipts and transferring these amounts from the grocery account to the clearing accounts in order to invest them in one-off savings plans. However, I would only do this once a month because of the administrative effort involved. For DM, Payback continues as usual. But what I like about the REWE and Penny apps is that you can save the discounts in them, so I could use my old system there again. In the meantime, Kaufland is also coming back into focus for my weekly shopping.

➡️ Repeat purchases

There was a subsequent or new purchase of an ETF for my crypto successor portfolio, which was financed from a triggered BTC limit order. I invested in the $EXX5 (+0,29 %) .

➡️ P2P loans

With my last P2P platform, Mintos, there was a redemption payment in the cent range, otherwise the platform continues to hang on my leg like a ball and chain. I will gradually withdraw everything here and hopefully end my involvement in this asset class as soon as possible.

➡️ Crypto

January offered crypto investors a BTC ATH on Trump's inauguration on the one hand, but otherwise we are more likely to be dealing with a sideways market on the whole. As mentioned, I triggered a BTC sell limit order on the day of the inauguration. And it was even very close to the ATH. Around 1/3 of my total holdings have been sold since the beginning of November. I am still far from satisfied. But I need higher prices for further sales. Is my strategy working? Or is the bull market already over? I think it will continue, but not for much longer.

➡️ And what else?

Like many of you, I'm feeling the effects of the changes due to rising social security contributions and rising costs. My budget is set up so that my budgets and lump sums work on their own and I've managed well with my budget sizes too. The amount invested each month via savings plans was as large as possible. In the end, there was always an amount left over that went into my nest egg, the last bit, so to speak. This remaining €100 more than halved in January. On the one hand, it's not a problem, I could simply cut back on the savings plans, but I don't want to do that. I can't reduce my spending any further myself. I'm in a salary round, but it's very likely that I won't get a pay rise this year. I'm happy that my second income stream is growing steadily, even if it's not yet significantly noticeable. Now I'm thinking about how I can earn even more money, because taxes are set to rise further, not just social security contributions, the greedy state and greedy politicians are targeting our investment income and interpreting unfair taxation. Unfortunately, they are completely ignorant, because they do not understand that this is already taxed when it is taxed again for us investors (or has already been taxed twice - keyword withholding tax), or that social security contributions on it would mean a further entitlement to benefits from the funds for us as investors. And not just for us, but also for international investors. In contrast to rental income, for example, the deduction for capital income is immediate and not deferred. These are all considerations that are not taken into account by tax increase enthusiasts. Demanding tax increases in a high-tax country is proof of a lack of reality either way. For me, the entire state should continue to be slimmed down.

So you can see from the current political discourse that the state only wants to take away, instead of ensuring that citizens build up something for themselves with effort and sweat, which they then know how to look after and appreciate. However, a considerable promotion of private asset accumulation means that citizens may not need any or significantly fewer pension payments to ensure an adequate old age. I look with some envy at other countries that have much more sophisticated pension systems or sovereign wealth funds. I once wrote an article about the systems in Norway and Sweden.

➡️ Outlook

In February, I can expect reimbursements from the health insurance companies and the dental supplement, which I will invest in in the February review. Until then!

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

Yesterday, before Trump's inauguration, Bitcoin shot up to its next ATH. We set a new ATH at just under USD 109,000. And very close by, my next limit order was triggered. At around USD 108,000, another tranche left me. $BTC (+0,42 %) tranche left me. Just short of the ATH, but still a top selling price for the moment! The freed-up euros went straight into the $EXX5 (+0,29 %) immediately afterwards. This means that two out of three months in the special custody account are now covered by distributions. I am continuing to implement my exit strategy. The only thing missing now is the first month of each quarter with distributions. I hope that the bull market will continue for a few more weeks.

I also hope that $ETH (+2,92 %) finally gets going. Because there is still a lot of room for the limit orders.

Tonight I also triggered a limit order at $BTC (+0,42 %) triggered a limit order. A first smaller partial tranche has been sold. Everything is going according to plan. I have even revised the targets announced in my #krypto -I have even adjusted some of the BTC targets announced in my post upwards. This means that the limit order was triggered at around USD 106,500 / EUR 99,000. Over USD 10,000 more than planned. The order, which I also placed with a lot of gut feeling after my analysis, happens to be as good as the nightly top 🥰

The next tranche is at 104,000 EUR / 109,300 USD.

Even though my planning and analysis is based on USD prices for crypto, I have set the limit orders in EUR prices.

I am now also publishing what the profits and stakes will be reinvested in. The exact securities I am looking at have not yet been explicitly mentioned.

So far, investments have been made in $HSBA (+0,02 %) from the proceeds of $XRP (-0,31 %) , $LINK (+2,09 %) and the first tranche of $UNI (+2,21 %) -sales.

From today's first tranche of $BTC (+0,42 %) -sales, I entered $SHEL (-0,34 %) I have entered.

What else will come according to plan? $BP. (-0,68 %) As a single share. I would then have 3 shares to cover the third month of each quarter with distributions in a separate portfolio. I want to cover the first two months with ETFs, including the first month with either the $EXSB (+0,2 %) or (and) $EXX5 (+0,29 %) and the second month with the $FUSD (+0,09 %) . Will there be any overlaps with my main or one of the two old ETF portfolios in terms of the composition of the securities? For sure! But that doesn't matter to me, as I consider this portfolio, in which the crypto stakes and profits are invested, separately. As you can see from my articles, this is all about building up the basis, the dividends from which I will then use to build up new crypto holdings in the coming bear market so that I don't have to draw on my net salary. This is because the net salary is firmly earmarked for the regular savings plans and the distributions from the main and old portfolios.

Based on the current prices, I think that my second BTC tranche will be the next to fall. The altcoin season should start very soon. I can hardly wait $BCH (+1,08 %) , $LTC (+0,77 %) , $SOL (+1,81 %) , $DOT (+2,64 %) , , the rest $UNI (+2,21 %) and $MATIC (+2,89 %) to finally get rid of it. But I think it will be most exciting with the higher planned tranches at $BTC (+0,42 %) and $ETH (+2,92 %) .

Saving up: Gold + All-World ETF

Hello dear community,

I have a question for you on the subject of long-term saving and gold:

I have 6 savings plans with dividend ETFs running, always two per payout interval with growth ETF and high payout combined. In addition to the DIV ETFs, I also have REITS and BDCs for dividends, which I would also like to expand further. Of course there are overlaps!

I feel comfortable with this and would like to continue saving in this way:

DIVIDEND ETFs | January, April, July, October

$ISPA (+0,16 %) + $EXX5 (+0,29 %)

DIVIDEND ETFs | February, May, August, November

$FUSD (+0,09 %) + $IMEU (+0,42 %)

DIVIDEND ETFs | March, June, September, December

$TDIV (+0,16 %) + $VUSA (+0,16 %)

Now the question arises for me: how can I diversify even further or save in an accumulating manner?

The following would be considered

$EWG2 (-0,33 %) and then also sell tax-free after a holding period of at least 1 year if the trend is positive and generally $FWRG (+0,13 %) save bluntly and leave it. Possibly also $BTC (+0,42 %) via Bitpanda or similar (not via Neobroker)

What is your opinion on saving the Invesco All-World and gold in addition to the dividend ETFs, as compensation when there are general price slides?

Dividend portfolio - later growth/blue chips

Hello and good evening everyone!

I would love to get some feedback on my dividend portfolio!

• My goal is to get over €2,000 in dividends and more per year (I have €2,000 in the exemption order anyway due to marriage) and I would very much like to receive monthly cashflow.

• I always have one strong dividend ETF and one growth ETF per quarter because I want to be broadly diversified:

• 1 | January, April, July, October

$EXX5 (+0,29 %) and $ISPA (+0,16 %)

• 2 | February, May, August, November

$FUSD (+0,09 %) and $IMEU (+0,42 %)

• 3 | March, June, September, December

$SPYD (+0,02 %) and $TDIV (+0,16 %)

• I also came across REITS and BDCs not long ago, which I know tend to go sideways, but hopefully in a few years I'll have the investments in without buying new positions.

• In the long term, I would rather switch to growth ETFs (or blue chips) for good growth, but I am also considering thematic ETFs such as

$IUIT (+0,49 %)

$IUHC (+0,29 %)

$ASWC (+0,41 %)

I find simply saving in the S&P500 with a savings plan kind of boring, and I don't know why.

I find it very difficult and too time-consuming for me to find the right time to invest in Microsoft, AMD, Stryker, Novo Nordisk, Cadence Design Systems, Walmert, Alphabet etc., for example.

I would keep my €500 savings plan on the 6 dividend ETFs running, but then add the themes ETFs to the savings plan rate.

What's your opinion - I'm curious!

Regards

Good evening everyone,

I was planning to create a world dividend portfolio with 6 ETFs that pay out quarterly.

For January: $ISPA (+0,16 %) [email protected] and $EXX5 (+0,29 %)

For February $FGEQ (-0,41 %) and $XEMD (-0,35 %)

For March $SPYD (+0,02 %) and $EXSA (+0,39 %)

So I would have covered the whole world, so to speak, and there would be no overlaps.

What do you think of my idea?

I wanted to get rid of him anyway. I waited until the dispute over the debt ceiling was settled.

$EXX5 (+0,29 %) Hello to all, I've been here for a few months now and would like to thank you for all the great posts of the active participants! I am in the process of building a dividend portfolio with ETF and look at this point both the dividend growth, as well as the price increases of my ETF. When I get further into the topic, I will also add some more individual stocks to the portfolio, but that is a bit too tricky for me right now as a newbie. At this point I have a question about a dividend payout of the above ETF. At getquin it says that the ETF paid out 0.99 ct per share certificate in January. In the deposit "only" 50 ct landed. Did getquin make a mistake here, or is there another plausible explanation?

I wish everyone here a good time and am glad to have found this platform here.