I am 42 years old and have an investment horizon of 20 years. I would like to combine some growth with dividends as a retirement provision.

Even though the portfolio is currently quite red, I am generally satisfied with the stocks. $RKLB (+0,18 %) was once a gift and $MSFT (+0,01 %) would be a bonus, so they are not self-selected.

I would like to invest a total of 6,000 euros per year for the time being, i.e. an average of 500 euros per month.

I have now changed the distribution as follows:

150 euros go into the $VWRL

75 euros to the $ZPRG (+0,19 %)

45 Euro to the $QYLE (+0,05 %)

30 Euro in the $EUDF (+0,3 %)

Would you weight differently here?

Up to now, I have saved 10 euros a month in the individual shares represented, but I will be making a quarterly one-off purchase of 500 euros. In this way, I can take advantage of opportunities and gradually build up the stocks or say goodbye to one or the other or add something new.

400 euros remain free each year, which I would like to use flexibly for $BTC (+0 %) for example.

I like the mix of regular long-term passive investment and the opportunity to be more active on a quarterly basis.

Today there was another dividend of $0.366 per share, totaling $64.23 for my position in the SPDR S&P Global Dividend Aristocrats ETF (ZPRG).

That was the last distribution, because: I sell the ETF and invest the proceeds in the

VanEck Developed Markets Dividend Leaders ETF (TDIV).

Why the change?

• Higher dividend yield (~3.9%)
• Better performance over 3 and 5 years
• ESG filter + clear focus on developed markets

ZPRG has been a solid companion, but TDIV just fits better with my strategy for steady income with more momentum.

Hello everyone,

Having only entered the stock market in February, I have decided to make a radical change today: I want to restructure my portfolio towards a dividend portfolio.

About the savings plan: Monthly deposits, duration: until retirement, i.e. around 38 years.

The aim is not necessarily to be able to live off the dividends, but rather to use them as a nice extra. An average dividend of 4% p.a. would be desirable.

About the portfolio:

The portfolio should consist of a 60/40 ratio of dividend-paying ETFs. The background to this is that I want to diversify as widely as possible. I currently have the $VHYL (+0,16 %) with just under 25%, the $ZPRG (+0,19 %) with just under 22% and the $IMEU (-0,01 %) with just under 13%.

The remaining 40% of the portfolio should consist of equities. And this is where your expertise is needed: which high-dividend stocks with future potential would you no longer want to do without in your portfolio?

To begin with, I have opted for $ALV (-1,86 %)
$VOW (+1,33 %)
$MBG (+0,9 %)
$O (+0,01 %)
$ULVR (+0,83 %)
$INGA (+0,14 %) and $BAS (+0,68 %) today.

I would like to have a total of 20 shares with 2% each in my portfolio. These should be as diversified as possible - both in terms of sectors and regions - even if the ETFs already contribute to this. Speculative shares may be included, but only sporadically.

Thank you very much and I look forward to your feedback!

Hello!

I have been actively working on my portfolio since the beginning of this year, my strategy is to go towards dividends and a safe investment in ETF's with ETF's I want to achieve a balanced weighting that is not too American-heavy but also focuses on Europe.

I have a monthly savings plan of €300 which is divided as follows:

50 € $IWDA (+0,16 %)

50 € $EXSA (-0,05 %)

40 € $ZPRG (+0,19 %)

40 € $WQDS (+0,26 %)

20 € $O (+0,01 %)

15 € $VZ (-1,23 %)

15 € $ULVR (+0,83 %)

10 € $JPM (+1,07 %)

10 € $JNJ (+1,04 %)

10 € $PG (+0,25 %)

10 € $ENB (-0,25 %)

10 € $ALV (-1,86 %)

10 € $KO (+0,08 %)

10 € $MCD (+2,23 %)

Please do not pay too much attention to the crypto positions, I will liquidate the Shitcoins in the near future when prices are good and switch to ETFs/shares.

Now to my simple question, what do you think of the portfolio? Is it good for my strategy or do you have any tips?

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 ($VWCE (+0,14 %)) - 40%
• Vanguard FTSE All-World High Dividend Yield ($VHYL (+0,16 %)) - 10%
• SPDR S&P Global Dividend Aristocrats ($ZPRG (+0,19 %) ) - 10%
• iShares Global Select Dividend 100 ($ISPA (+0,01 %)) - 10%
• Fidelity Global Quality Income UCITS ETF ($FGEQ (+0,26 %)) - 10%
• VanEck Morningstar Morningstar Developed Markets Dividend Leaders UCITS ETF ($TDIV (-0,18 %)) - 10%
• JPMorgan Global Equity Premium Income ($JEGP (-0,66 %)) - 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 (+0,14 %) or the $FWRG (-0,04 %)? The latter is newer and has a lower TER, might it be worth choosing it?
• I am undecided between the $VHYL (+0,16 %) and the $VWRL, 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 (+0,19 %) e $ISPA (+0,01 %), as they offer very high dividends, but their growth has been very low. For the $ZPRG (+0,19 %) I could add that 10 percent to the $FGEQ (+0,26 %), as they pay the same months, while as for the$ISPA (+0,01 %), 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!

I would like to invest in a dividend ETF for the long term. $ZPRG (+0,19 %) and $VHYL (+0,16 %) have particularly caught my eye.

Which one do you think is the better choice? Feel free to add your own suggestions🙂

Hello everyone,

still relatively new here, started with small values myself in January 2024 and then in summer/fall had all pension funds and other savings funds liquidated and taken over by our "financial advisor" (Lesson Leaned)

Now I have invested a chunk here and there, sometimes a bit wildly. Most of it now in December and January (hence the low return).

I am in my mid-30s and would like to build up a side income with dividends over the next 10 years, in addition to my ETFs, which are intended to be used for retirement in the long term.

I have 4 dividend ETFs in my portfolio and would like to reduce this to 1-2 ETFs. I have already looked through JustETF and there are pros and cons for all of them.

These are in my portfolio:

$VHYL (+0,16 %)

$ZPRG (+0,19 %)

$JEGP (-0,66 %)

$FLXX (+0,23 %)

The $JEGP (-0,66 %) is disproportionately represented because the return convinced me, but it does not have the lowest annual costs.

I would like to reduce to 30 positions, some smaller shares are "attempts".

The plan is 65% ETF, 15% dividend ETF, 15% dividend stocks (does that make sense?), 5% growth stocks. I can invest about 3500€ per month. I might want to sell part of it in 5-6 years to have the equity for a house. That would then possibly be the individual shares (partial sales).

What do you think? Which one should I save in the long term?

Best regards and thank you for your opinion.

Hello dear community,

Recently my portfolio and its logic was presented in an article by Business Insider and analyzed by Konrad Kleinfeld from SPDR. There was some exciting feedback, but of course I would also like to activate your swarm intelligence and get your feedback 🙂

First of all: Although I am pursuing a core-satellite strategy, the "satellite" does not aim to outperform, but is simply for fun and offers room for investments that do not fit into the logic of the core. The satellite consists largely of ETFs (e.g. in commodities, real estate, private equity, REITs, etc.), but only accounts for <10% of the overall portfolio and is not included here.

My goal is broad diversification that goes beyond a pure market capitalization-based index as well as long-term returns.

In doing so, I rely on a rule-based approach and diversify along factors based on the selection criteria of the indices. As I deliberately do not want to make any sector or regional bets in the "core", but instead focus purely on the selection criteria of the indices, the relatively significant dividend block serves to reduce the US lump, as high-dividend companies are more frequently found in Europe.

Since the portfolio is quite granular, the portfolio overview function would be very confusing, so I hope it is easy to understand in text form:

1. MSCI World Block (40%):

$SPPW (+0,14 %) MSCI World (10%)

$XDEM (-0,2 %) MSCI World Momentum (10%)

$XDEQ (+0,21 %) MSCI World Quality (10%)

$XDEV (+0,08 %) MSCI World Value (5%)

$WSML (+0,4 %) MSCI World Small Cap (5%)

Momentum, Quality and Size in the sense of the "normal", market-capitalized MSCI World are weighted slightly higher, as they have historically performed better and should logically perform better in a long-term positive market environment.

2. emerging markets block (20%):

$SPYM (+0,18 %) MSCI Emerging Markets (6.67%)

$SPYX (-0,15 %) MSCI Emerging Markets Small Cap (6.67%)

$5MVL (+0,76 %) MSCI Emerging Markets Value (6.67%)

⚠ There are currently no ETFs on the MSCI EM Quality and MSCI EM Momentum indices that are available in UCITS form and tradable in Europe. Therefore, the logic of the EM block does not yet exactly reflect the structure of the World block. As soon as these ETFs are available, the block will be adjusted accordingly. Consequently, the "normal" MSCI EM as well as the value factor and small caps are currently equally weighted here.

3rd Dividend block (30%):

$VHYL (+0,16 %) FTSE All-World High Dividend Yield (5%)

$TDIV (-0,18 %) Developed Markets Dividend Leaders (10%)

$ISPA (+0,01 %) Global Select Dividend 100 (10%)

$ZPRG (+0,19 %) S&P Global Dividend Aristocrats (5%)

As mentioned, this block serves 1) to reduce the US lump, is also distributing and thus provides cash flow, which 2) is used for rebalancing at the end of the year (so I don't have to spend any additional capital on this, which has a psychological effect for me) and 3) the monthly distributions motivate me to continue investing intensively. In addition, 4) the tax-free allowance is utilized without having to actively sell shares in the other "blocks". The top 10 holdings of the individual ETFs differ greatly here despite the common denominator of "high yield". However, the financial sector is a large lump. The weighting here is derived from the high yield and diversification in the sense of complementing the other "blocks" (i.e. little tech and little US).

4. hedge bonds (10%):

$IBCI (-0,24 %) Euro Inflation Linked Government Bond (10%)

My equity allocation is (roughly) based on the rule "120 minus age", so 10% is currently left for bonds. The purpose of a bond block in the portfolio is stabilization and further diversification. With shares, I give a company capital, i.e. I become a stakeholder in the company. Corporate bonds have the same logic, because here I am also giving capital to companies. That's why I opted for government bonds in the eurozone. TIPS have performed comparatively well here in the past and the logic of inflation-linked interest rates also appeals to me.

📈 Additional considerations:

1. i deliberately do without the "Low / Min Volatility" factor, as i assume a rising market in the long term and would like to participate more in the positive phases instead of reducing the vola.

2) I don't see overlaps between ETFs as a problem, but rather as a deliberate overweighting of companies that fulfill several criteria at the same time. Of course, many companies currently overlap in the classic MSCI World and the Quality and Momentum variants. However, the selection criteria are different and as soon as a company no longer meets the quality criteria, for example, it automatically drops out of the index and the weighting is reduced without me having to actively do anything about it.

3) I have actively decided not to invest in a multi-factor ETF because I want to have transparent control over the allocation of the individual factors and many of the factor ETFs available combine the selection criteria underlying the individual factors in such a way that the corresponding product would have performed well in the past, which of course represents a hindsight bias and does not necessarily correlate with future performance.

💡 To those of you who have read this far:

First of all, thank you for your time! The portfolio is intended to dynamically reflect a section of the market that could develop positively in a diversified manner based on the different selection criteria of the indices, without taking bets on specific sectors or regions. What do you think of the allocation and the strategy? Do you see any room for improvement or things you would do differently?

Thanks for reading, showing interest and thinking along. 😊

#etfs
#portfolio
#portfoliocheck