Puestos
53Today I bought the $JEGP (+0,37 %) etf again, 19 shares at an average price of €23,877 each (including transaction costs).
I currently own 165 shares, which currently yields +- €280 per year in dividends.
I made this transaction with the money that was still on DeGiro that was received from the sale of $VFEM (-0,76 %) and the dividends of the month of May.
(transferred to my own account and then booked to Mexem, this ETF is cheaper to buy there)
After @FKabs kindly and with sound knowledge about the intricacies of the Austrian tax system, I have finally moved away from Amundi and will definitely be adding a Vanguard product to my portfolio.
Now I'm only wavering between the Vanguard FTSE All-World $VWRL (-0,92 %) and the Vanguard Developed World $VDEV (-1,27 %) as the long-term core for my portfolio.
Do I really need the emerging markets at the core?
If an emerging market performs well in the long term, it will move up into the World at some point anyway, so it would then automatically be included in the VDEV. Is the small EM component in the VWRL (approx. 10%) worthwhile for this or is it more of a drag on returns?
Or do I get the best of both worlds with a lower average TER by simply adding the $VFEM (-0,76 %) with e.g. 10% added?
Questions upon questions. Everything is open to me.
How do you see it? Has anyone gone through a similar consideration?
Please help
Hello everyone,
A few days ago I asked here for tips on how to get started and I have collected a lot of great experience reports and information.
Thank you very much!
After a lot of back and forth, I have now decided on the Amundi Prime all Country $WEBG (-0,96 %)
Why did I choose it of all funds?
Firstly, it is the cheapest ETF in this category and secondly, I have looked into the taxes a little more and as far as I understood correctly, in Austria you would be asked to pay the tax office once a year to pay an advance lump sum on the reinvested dividends/distribution-equivalent income.
Conversely, this means that a tax deferral of a maximum of 12 months is possible in Austria.
If I had taken an ACC, I would have to pay tax once a year and transaction fees on withdrawal.
But if you take a Dist, like the Amundi, which pays out once a year, you have the best of both worlds: maximum compound interest thanks to a 12-month tax deferral and instead of the tax on the distribution-equivalent income, you have the distribution, with the same tax burden but no transaction costs.
I hope I have not made a mistake in my thinking and that my sources have provided up-to-date information.
So please feel free to prove me wrong
Have a nice evening
Today also decided to sell the small position in the $VFEM (-0,76 %) (Vanguard FTSE Emerging Mkts ETF).
Here I had a small profit, but the return was very low and unpredictable, this was also a position that I still had before I changed my investment journey.
#dividend
#dividends
#dividende
#invest
#investment
#stock
#etf
#etfs
I am currently using the $ISAC (-0,54 %) I am broadly diversified and generally well positioned, but I would like to be able to weight certain regions independently. I am thinking of the following ETF model:
My idea would be (savings plan):
What do you think of the selected ETFs? How would you weight the ETFs in a savings plan with a view to the future?
So I just realised that I've been investing for exactly 1 year and 1 week, so I thought this would be a good moment to reflect. I'm 36, the total portfolio size is 50k+ and the money isn't needed in short term. My portfolio summarised:
1. ETF core, 50% at minimum: $VDEV (-1,27 %) and $VFEM (-0,76 %) , recently added $EUE (-0,48 %) as I see more potential in the EU than in the US in the short-medium term. I like how a combination of these 3 ETFs allows for more adaptability than simply putting everything in a world ETF. Plus, the TER is a bit lower.
2. Individual stocks, max 10 positions, only including companies that I understand and have faith in that they will perform well in the next couple of years. The goal is to at least match $IWDA (-0,48 %) but preferably to make some additional gains. In summary:
Tech:
$NVDA (-0,39 %) : committed after the post-Deepseek dip, will just wait out all the short-term turbulence
$AMZN (-0,55 %) : doesn't need additional info.
$ASML (-0,96 %) : ditto
$VRT (-1,4 %) : see one of my previous posts on GQ. Bit too volatile for me now, but when the AI-hype picks up again, will perform well.
Health:
$NVO (+0,46 %) : I have a lot of faith in the GLP1-narrative, stock is very undervalued
$LLY (-0,38 %) : same at NVO, got pummeled hard recently but in longer term another good bet in the GLP1-race.
Divident:
$ALV (-0,84 %) : popular German insurance company. Divident-wise, I have more faith in insurance companies than banks. Banks also face more headwinds due to fintech.
$ASRNL (+0,97 %) : comparable to Allianz, solid, no-nonsense Dutch insurance company.
Bit more speculative:
$NU (-0,67 %) : I think fintech has a lot of potential and NU was valued quite cheaply compared to US- or EU-based counterparts. Could benefit from US recession if USD evaluates.
What are your thoughts? What would you add or lose? I'm thinking of adding $GOOG (-0,75 %) when the current downtrend subsides. Does make the portfolio more tech-heavy but all companies are internationally oriented (in case of US recession) and should outperform in the longer term.
Thanks in advance!
I'm actually quite happy with my position at the moment, but I think I want to improve my $MC (-1,54 %) and $VFEM (-0,76 %) as I already have $VWRL (-0,92 %) already have emerging markets in it.
Do you have any suggestions for expansion?
Doesn't have to be long-term, higher risk is also not a problem.
Review of an exciting year on the stock market
Last year was a real milestone for me in many respects. Even though I have posted less recently, I have by no means been idle. On the contrary, I consistently implemented my "div & hodl" strategy and was able to achieve several personal goals at the same time. For example, I passed the CHF 25,000 mark - and shortly afterwards also crossed the psychologically important CHF 30,000 line!
My current strategy and dividend milestones
-Core portfolio (70/30): The core consists of two ETFs - an all-world ETF ($VWRL (-0,92 %)) and an emerging markets ETF ($VFEM (-0,76 %) ).
-Dividend targets: Since 11.12.24 my first target of CHF 250 per year has been ticked off. The next interim target is CHF 500, followed by CHF 750 up to the target of CHF 1,000 per year.
-CryptoIn addition to my ETF investments, I am continuing to save in crypto - a small but nice $BTC (-0,3 %) -position via dollar-cost averaging (DCA).
Outlook: Where the journey is going
For the coming year, I plan to continue working towards my dividend targets and exceed the CHF 500 mark. I want to maintain the tried-and-tested 70/30 ratio, using every quarter or so for rebalancing. In addition, I'm staying on the ball with my BTC DCA approach - even though crypto is definitely not for the faint-hearted, for me it is part of diversification in small doses.
Conclusion
Patience, continuity and a clear plan: these are the ingredients that have helped me achieve my financial milestones this year. From the first dividend target (CHF 250/year) to the CHF 25k threshold to CHF 30k - it all goes to show that long-term investing still works best when you stick to your plan and invest steadily despite market fluctuations. I am looking forward to the next stock market year and am excited to see what hurdles we will overcome together as a community.
Stay invested and happy new year!
Source image: DALL-E
I have already trimmed my $MSTR (-0,76 %) and $COIN (-1,39 %) positions and opened a small position in $HOOD (-1,58 %) for a bit of long-term investment.
Nothing wrong with $MSTR (-0,76 %) but I considered it as selling $BTC for over 250K.
Completely out of $AMAT (-1,06 %) instead, I focused on only $ASML (-0,96 %), might add $AMAT again but for a better price or better market conditions.
I recently bought $MU (+0,09 %) because it is extremely undervalued, I will add more after earning which is in 2 days.
Buy List for 2025 at the right price
Selling 2025
ETF's that I will keep DCAing for 2025
any suggestions are welcome
The Brazilian Development Bank (BNDES) has extended a loan of 690 million US dollars from the China Development Bank from the China Development Bank. The funds are intended to support projects to promote sustainable infrastructure and renewable energies in Brazil. This financing reflects the increasing economic cooperation between Brazil and China, particularly with regard to the expansion of environmental technologies and infrastructure projects.
Further information can be found in the article on MarketScreener.
The news is based on what I personally consider to be reputable sources. However, I do not guarantee their accuracy. No investment advice. Follow me for further updates!
What do you think of the combination of $VUSA (-0,56 %) and $VFEM (-0,76 %) and $EXSA (-0,26 %)
Thumbs up for good/ thumbs down for bad
If you have any suggestions for improvements, please write them in the comments ⬇️
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