What has happened so far and what should happen:

https://getqu.in/ai9B2p/

Parting ways is always hard, but here are the sales I completed in July:

Next to the $VWRL (+0,15 %) and $EQQQ (+0,37 %) there were also a few subsequent purchases. (No one is perfect) According to the memory log, these are only $GOOGL (+1,34 %) and $III (+1,47 %) maybe there were a few more.

Here are the purchases:

$EQQQ (+0,37 %)

$VWRL (+0,15 %)

In any case, this is what the portfolio looks like today:

There are now "only" 32 positions left 😅

Here is the country breakdown.

I would prefer to sell everything and put it into say 3-5 ETFs, but due to a mixture of different feelings I can't take this step. At least not overnight. Today I was able to part with the following positions (a big step for me, a small step for my portfolio).

$COST (+0,99 %) -3% may not have been the best time to sell, but I'm no longer convinced in the long term, or rather it doesn't fit my investment idea

$PG (+0,77 %) -8% stinks of opportunity cost. It may be that there is a good entry point for a solid dividend stock at the moment, but I would rather continue to build up the broadly diversified ETF.

$ROL (+0,93 %) -4% ditch or not, we won't see the big fast percentages here.

$RMS (-0,54 %) +25% I would not buy again today at the current price and find the valuation excessively high.

Reallocated to $VWRL (+0,15 %) 🥱 and $EQQQ (+0,37 %) 😎

(Thanks to a mini crash from 17:00, I also got a lot of shares)

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (-0 %) Call money ETF. Div. 1.9%

15% $TDIV (+0,59 %) VanEck Divi Leaders. Div 3.5%

10% $TRET (+1,44 %) Global Real Estate. Div. 3.7%

7,5% $VHYL (+0,11 %) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,2 %) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+0,41 %) Gold

5% $SEDY (+0,66 %) iShares EM Dividend. Div 8.0%

5% $JEGP (+0,86 %) JPM Global Equity Inc Div 7.1%

5% $EEI (+1,23 %) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (-0,02 %) High Yield Bond. Div 6.1%

5% $EXXW (+1,15 %) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (-0 %) Overnight ETF. Div 1.9%

12% $EQQQ (+0,37 %) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+0,41 %) Gold

2% $O (+0,78 %) Realty Income 6.0%

2% $VICI (+1,21 %) Vici Properties 5.6%

2% $OHI (+2,3 %) Omega Healthcare 7.2%

2% $PLD (+1,36 %) Prologis 4.1%

2% $ALV (+1,53 %) Allianz 4.35%

2% $HNR1 (+0,64 %) Hannover Re 3.4%

2% $D05 (+0,06 %) DBS Group 5.5%

2% $ARCC (-1,65 %) Ares Capital 9.3

2% $6301 (-5,12 %) Komatsu. 4,2%

2% $1 (+0,4 %) CK Hutchison 4.6%

2% $AENA (+0,77 %) AENA. 4,2%

2% $LOG (-0,14 %) Logista 7.3%

1,5% $AIR (+1,08 %) Airbus 1.8%

1,5% $DHL (-2,55 %) DHL Group 4.8%

1,5% $8001 (+0,08 %) Itochu 2.8%

2% $RIO (+0,77 %) RioTinto plc 6.4%

2% $LIN (+0,64 %) Linde 1.3%

2% $ADN (+0 %) Acadian Timber 6.7%

3,5% $BATS (+1,68 %) BAT 7.0%

2% $KO (+1,84 %) Coca Cola 2.9

2% $HEN (+0,52 %) Henkel 3.0%

2% $KVUE (-0,96 %) Kenvue 4.1%

2% $ITX (+0,45 %) Inditex 3.6%

2% $MCD (+0,78 %) McDonalds 2.6%

2% $690D (+0,64 %) Haier Smart Home 5.6

3,5% $IBE (-0,08 %) Iberdrola. 4,1%

1,5% $AWK (+2,1 %) American Water Works 4.4%

1,5% $SHEL (+1,21 %) Shell 4.1%

1,5% $ENB (+1,41 %) Enbridge 6.5%

2% $DTE (+1,64 %) Deutsche Telekom 2.8%

2% $VZ (+1,45 %) Verizon 6.8%

2% $GSK (+1,02 %) GlaxoSmithKline 4.2

2% $AMGN (+0,88 %) Amgen 3.5%

2% $JNJ (+1,79 %) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

Hello everyone,

what do you think of a defense ETF like the $EUDF (+2,23 %) to continue to profit from all defense and military goods?

Or would you prefer a Nasdaq like the $EQQQ (+0,37 %) which, however, with my core $IWDA (+0,18 %) which of course brings a high USA overweight into my portfolio.

I am looking forward to your opinions🙏

Today, another € 255 was invested in my 3-year-old son's junior portfolio.

I am not betting on a boring global ETF, but am investing in the Nasdaq 100 - the index with the highest return in the last 20 years.

Precisely because of the long savings phase, I prefer growth to average.

The aim is to have a strong portfolio for the start of my adult life.

Source: https://www.justetf.com/de/etf-comparison.html?groupField=index&indices=us-ndx,world,us-sp-500

$CSPX (+0,22 %)
$IWDA (+0,18 %)
$EQQQ (+0,37 %)

The calculation is the country's trade deficit with the USA divided by the country's exports to the USA

Ex:

Vietnam: exports 136.6, imports 13.1

Deficit = 123.5

123,5/136,6 = 90 %

I am currently saving the $IWDA (+0,18 %) and the $EIMI (+0,55 %)and a little bit of $BTC (-0,02 %) .

As I am still young (20) I would like to buy another yield booster.

As the prices are also relatively attractive at the moment, I was thinking of something like the $EQQQ (+0,37 %)

What do you think? Would you rather expand the Core $IWDA (+0,18 %) further, or add a Nasdaq?