Many investors ask themselves how they can best utilize dividends, especially when the ETF $VWRL (+0,65 %) is in the red. A clever strategy: use dividends to invest anti-cyclically.

Instead of stubbornly reinvesting everything, you could do as I did, for example:

• "If my ETF is below the entry price, I'll buy more of the ETF."
• "If the ETF is up, I'll invest the dividends in a more promising asset like Bitcoin $BTC (+1 %)."

In this way, you strengthen the cost-average effect in the ETF and give your dividends an extra chance of growth when market sentiment is strong, without immediately becoming too speculative.

Discipline beats timing - but with a well thought-out rule, you can combine the two.

How do you handle your dividends - do you reinvest them in the traditional way or do you also use them strategically?

Easter greetings from your Lord Vader!

#Investieren
#Finanzen
#Dividenden
#ETFStrategie
#LangfristigInvestieren
#CostAverage
#Vermögensaufbau
#Finanzbildung
#Aktien

Participation of emerging markets, as this has been completely disregarded to date. I am therefore reducing my US exposure somewhat and hope to be even more diversified. NASDAQ 100 is traded as a satellite ETF.

Let's see what happens.

Extraordinary investment for the savings plan. Let's see what happens.

China is planning to raise tariffs on imports from the USA to 125 percent from Saturday. This is the Chinese government's response to the latest increase in US tariffs, which now amount to 145% on Chinese goods

$VWRL (+0,65 %)
$IWDA (+0,74 %)
$CSPX (+0,7 %)

Hi everyone, I am planning to build a portfolio focused on dividends and wanted to get some advice from those who may already have a few more years in the investment world.

My goal is to create a portfolio that allows me to receive dividends every month and that is composed of ETFs that guarantee both dividend growth and, most importantly, NAV growth, all geared for the long term. In addition, I would still like to devote a good portion of the portfolio to accumulation, so that I can grow something that I can reinvest all on dividends in the future (taking advantage through accumulation of self-investment of dividends).

The portfolio I came up with contains the following ETFs:

• Vanguard FTSE All-World Accumulating ($VWCE (+1,03 %)) - 40%
• Vanguard FTSE All-World High Dividend Yield ($VHYL (+0,93 %)) - 10%
• SPDR S&P Global Dividend Aristocrats ($ZPRG (+1,17 %) ) - 10%
• iShares Global Select Dividend 100 ($ISPA (+1,19 %)) - 10%
• Fidelity Global Quality Income UCITS ETF ($FGEQ (+1,19 %)) - 10%
• VanEck Morningstar Morningstar Developed Markets Dividend Leaders UCITS ETF ($TDIV (+0,97 %)) - 10%
• JPMorgan Global Equity Premium Income ($JEGP (-0,44 %)) - 10%

I have chosen exclusively ETFs for my portfolio, all with global exposure, as I would like the portfolio to be managed as passively as possible, i.e., the ETFs themselves take care of reallocating the weight of companies within them.

The ETFs I have identified allow me to receive monthly dividends, however, I had some doubts regarding the choice of some:

• Better the $VWCE (+1,03 %) or the $FWRG (+0,93 %)? The latter is newer and has a lower TER, might it be worth choosing it?
• I am undecided between the $VHYL (+0,93 %) and the $VWRL (+0,65 %), in that although the former pays twice the dividend as a percentage, it has a much lower NAV growth than the latter. Which one do you recommend between the two?
• I am very undecided about whether I really need to add ETFs $ZPRG (+1,17 %) e $ISPA (+1,19 %), as they offer very high dividends, but their growth has been very low. For the $ZPRG (+1,17 %) I could add that 10 percent to the $FGEQ (+1,19 %), as they pay the same months, while as for the$ISPA (+1,19 %), I don't know of any other ETFs that can pay in the same months (January, April, July, October).
• Is it actually worthwhile to allocate part of the portfolio to accumulation, or is it better to invest everything in distribution from the beginning? My goal would still be to convert everything to distribution in the distant future.

Beyond these doubts of mine, I am happy to hear other advice about portfolio organization.

Thanks in advance!

Hello everyone,

I am currently in the process of further expanding my ETFs. Unfortunately, I don't have enough time to deal with individual stocks and this will not change in the near future.

To the $VWRL (+0,65 %) (60% of the total savings rate) as the core, I also have the $TDIV (+0,97 %) and $FGEQ (+1,19 %) at 14% and 12% into the portfolio. In addition, I currently have the $IBC3 (+1,97 %) (7%) and the $COMF (+0,33 %) (4%).

At the moment I'm not sure whether I'd rather use the resources for the $IBC3 (+1,97 %) and the $COMF (+0,33 %) either in the $VWRL (+0,65 %) or add something else to the portfolio instead of the two (bonds or maybe $JEGP (-0,44 %))? or just let it continue? What do you think?

The aim is of course to make money in the long term. The dividends will be reinvested and, if it works out, used as additional income in retirement.

$BTC (+1 %) I will continue to draw dividends and the individual shares will remain buy & hold for the time being - until I have more time again.

I am grateful for tips, discussions and suggestions.

Best regards

Your fizzelfritz