In January I decided to set up a dividend portfolio for myself. I immediately used the setback in February to end my one-year "test phase" as a stock market novice and start my long-term plan. In addition to two dividend-paying ETFs for retirement provision $XDWL (-0,77 %) & $XSX7 (-0,26 %) I want to build up a strong portfolio through stable dividend stocks, regular purchases and reinvestment of dividends.

I would like to take you with me on my journey and now share regular updates on the development of my portfolio.

You can find my goals and how I want to achieve them in my first post → My path to financial freedom: I'm building a dividend portfolio - goals & strategy 📈💰

(https://getqu.in/T7yDJe/)

📊 My current dividend portfolio (sorted by market capitalization):

1️⃣ $SAP (-1,66 %) - Europe's largest software group with a stable dividend policy

2️⃣ $BAC (-2,72 %) - One of the largest US banks with a solid payout

3️⃣ $AXP (-1,03 %) - Strong brand with long-term potential

4️⃣ $ALV (-0,89 %) - High dividend yield & strong financials

5️⃣ $DB1 (+1,29 %) - Benefits from rising trading volumes

6️⃣ $BATS (+0,56 %) - High dividend yield & stable cash flow

7️⃣ $MO (-1,29 %) - Continuous dividend increases, but regulatory risks

8️⃣ $O (-0,38 %) - The famous "Monthly Dividend Company" REIT

9️⃣ $INGA (+1,38 %) - European bank with attractive dividend yield

I start my journey with these 9 stocks. All of them convince me and are stable stocks. I'm not doing anything here for no reason. That's why there's a good reason for every stock I buy.

If you would like to know why I chose one of the stocks, let's discuss it in the comments. I look forward to the exchange! 😊

I wish you a good start to the weekend!

#Dividendenstrategie
#FinanzielleFreiheit
#Investieren
#Börse
#Dividenden
#PassivesEinkommen
#Aktien

Hi dear getquin-Gemeinde👋🏼,

from today I am sharing with you my journey in the stock market. I am 27 years young and have been investing since February 2024. Since then, I have gained my first experiences with different brokers as well as with different financial products. Over time, I knew more and more exactly what I wanted: Dividends! The currently still small but regular payouts motivate me to put more and more money into my portfolio. I saw the current setback as the perfect time to end my "test phase".

And now I'm here: I want to build up a solid dividend portfolio for the long term. My goal? A steadily growing passive income stream through dividend payouts and sustainable wealth accumulation.

🎯 My goals:

📆 Dividend payouts (total per year):

👉🏼 2025: 50€

👉🏼 2026: 250€

👉🏼 2027: 500€

👉🏼 2028: 850€

👉🏼 2029: 1.200€

👉🏼 2030: 2.000€

📈 Portfolio value:

👉🏼 2025: 4.000€

👉🏼 2026: 10.000€

👉🏼 2027: 20.000€

👉🏼 2028: 32.000€

👉🏼 2029: 45.000€

👉🏼 2030: 60.000€

💡 My strategy:

✅ Focus on high-dividend companies with a solid balance sheet

✅ Reinvestment of dividends for the compound interest effect

✅ Long-term buy-and-hold with regular purchases

✅ Broad diversification to minimize risks

In addition to individual stocks, I will invest a somewhat larger proportion of my retirement provision in the $XDWL (-0,77 %) and the $XSX7 (-0,26 %) and a small but steadily growing gold position with the $EWG2 (+0,9 %) build up.

I look forward to exchanging ideas with you and am eager to hear your tips and experiences! Which dividend stocks are your favorites? 🚀📊

#Dividendenstrategie
#FinanzielleFreiheit
#Investieren
#Börse
#Dividenden
#PassivesEinkommen
#Aktien

Hello everyone,

I would like to start a discussion about the best #etf s for the #schweiz to start. Let's start with the most important basics:

• Dividends are taxed as income in Switzerland (even for accumulating ETFs). So ultimately it doesn't matter for tax purposes whether you have a distributing or accumulating ETF.
• Access to American ETFsas not a member of the EU and therefore access to significantly cheaper ETF alternatives (e.g. $VT (-0,57 %) ).
• Agreement between the USA and Switzerland reduces the US withholding tax from 30% to 15%. The remaining 15% can be claimed in the tax return for American ETFs.
• In the case of high to very high assets, ETFs with an American fund domicile may be taxed by the IRS for tax purposes.
• In the case of inheritance it could be a documentary/bureaucratic challenge for the surviving dependants with the IRS to transfer the ETFs with American brokers (classic #ikbr ).
• From a tax perspective, Irish ETFs are the most interesting after American ETFs due to the agreement between Ireland and the USA to reduce withholding tax from 30% to 15%. However, the remaining 15% cannot be claimed on the tax return.

For some years now I have been investing in the MSCI World $XDWD (-0,86 %) (World Industrialized Countries) and not too long ago the AC World $XMAW (-0,91 %) (All World). This is because, in addition to my Swiss broker (#saxobank ) and #ikbr my German bank (#consorsbank ) and Amundi and Xtracker ETFs can be saved there free of charge, which would be obsolete due to the low costs of Saxo and/or IKBR. In addition, these are accumulating and I would prefer to save in distributing ETFs. With a TER of 0.19% and 0.25%, these are okay, but certainly not the best ($VT (-0,57 %) or $at 0.06%).

Irish alternatives would be the $WEBG (-0,61 %) (TER 0.7%, distributing, All-World), $UBU7 (-1 %) (TER 0.10%, distributing, MSCI-World), $VDEV (-0,7 %) (TER 0.10%, distributing, industrialized countries) or $XDWL (-0,77 %) (TER 0.12%, distributing, MSCI-World and counterpart to my accumulating $XDWD (-0,86 %) ).

Which ETF do you save in if you are a Swiss resident? Which ETF would you save in if you were in the Swiss "luxury" situation?

Hello everyone,

In the last few days I have introduced myself and my portfolio. I have really taken your advice to heart and tried to implement it in a plausible way. Once again, a big thank you to everyone who has helped me with advice and constructive criticism. Merci! 😁

Today I'm summoning up my courage once again and presenting you with the result of the new and hopefully final restructuring. I have reduced the original 26 items to 6 items and aligned myself as follows. It didn't just come down to the $XDWL (-0,77 %) ended up. I still wanted to have some accessories.

The conversion is being done step by step, so it will take some time

Xtrackers MSCI World ETF - $XDWL (-0,77 %) - 65%

UBS LFS MSCI Emerging Markets ETF - $EMMUSA (+0,09 %) - 5%

Xtrackers MSCI Europe Hi Div Yld ESG ETF - $XZDE (+0,34 %) - 5%

Xtrackers DAX ETF - $XDDA (-0,83 %) - 5%

VanEck Defense ETF A - $DFEN (+0,29 %) - 15%

Xtrackers IE Physical Gold ETC Securities - $XGDU (+0,86 %) - 5%

The main value will flow into the All-World and will be supplemented by a small weighting in emerging markets.

I deliberately chose Europe and Germany because I I assume that positive developments can be expected here again in the future. Must!

The Defence item will remain in the portfolio as long as the positive trend continues. Should this change, the stock will be reallocated to All-World.

Gold is a stock that I would also like to keep in the portfolio. I am still $BTC (+2,17 %) I am still thinking about. Nothing planned (yet).

I would then allocate the monthly savings installment to the positions on a percentage basis.

That could be a reasonable basis for 2025, what do you think?

Thanks again for your feedback.

Best regards

Daniel

Hello everyone! I've been a silent reader on Getquin for a while now and thought why not post something myself. I want to start with a simple presentation of my portfolio and I would be very happy about feedback and constructive criticism :)

About me:

I am 24 years old and have been investing in ETFs, shares and cryptos since I was 18. My goal is to build up a long-term fortune and, above all, I simply enjoy dealing with the subject.

Strategy:

My strategy is to have an MSCI World as my core $XDWL (-0,77 %) which I then expand with what I consider to be promising, solid stocks. I invest in the MSCI World on a monthly basis in the savings plan, which means that this position is constantly being expanded. My aim is to increase its share over the next few years so that it makes up more than 50% of the portfolio.

The savings plan also includes the MSCI Emerging Markets Ex China $EMXCwhich I want to use to cover the developing countries without taking the China risk. I am aware that I could miss out on a lot of potential through growth in the Chinese market, but I want to protect myself from political events and decisions.

The NASDAQ100 $CSNDX (-1,03 %) has already been bought for me by my father and I would like to hold it for the long term, as I think it is a sensible investment / higher weighting in the tech sector.

For the selected stocks, I try to choose companies that are market leaders in their sectors or that I expect to see stable growth without too much risk. I usually buy these in several tranches and if possible (or if I am patient enough) anticyclically.

I also generally go for a (low) dividend yield (currently around 1% of the invested capital). I know that dividend-paying ETFs and growth stocks make more sense, especially at a young age, but I still consciously focus on dividends. Not because I think it's generally the better choice, but simply because I like receiving dividends and it motivates me to keep at it. So please forgive me for that :)

So, last but not least, my cryptos. I'm generally enthusiastic about technology and therefore naturally also about cryptocurrencies. However, after burning my fingers by buying almost everything at the ATH, I have become more cautious and reserved. I want to hold the selected cryptos that I still have now for the long term or, if necessary, to buy them in the future. $BTC (+2,17 %) , $ETH (+1,61 %) , and/or $SOL (+5,43 %) in the future. Otherwise, buy&hold applies here.

I hope I have been able to give you an overview of my portfolio and look forward to your comments.

Best regards

Your Spar Otter 🦦

For once, today's kebab day includes the large skewered meat plate with extra 🐑

Multiple ETFs on the same index are always questioned here, but can make sense under certain conditions and financial planning.

The 3 times 10 rule is explained in the article (link below)

If we take this as an example, why not always invest an ETF not for 10 years but for a certain € amount (based on the purchase prices). So why not look for a new one every 10, 20 or 30 thousand euros?

Wouldn't that also make sense?

Well, when you retire it looks wild in the portfolio, but does this actually correspond exactly to this tactic?

What do you think? I do it exactly the same way with one share, for example: set a € limit and then build up the next positions.

Constructive or bullshit?

https://www.finanztip.de/daily/so-holst-du-28000eur-mehr-aus-deinem-etf-heraus/

$HMWO (-0,93 %)
$SC0J (-1,22 %)
$XDWL (-0,77 %)
#msci

Hello community.

As some of you have already noticed, the grandpa is very dividend-oriented and cash flow is the maxim. My portfolio with currently just under 250k consists of 64% equities, 21% Bund and US short-dated bonds, some ETFs, some bonus certificates and physical gold. As the majority of my income comes from interest, dividends and rental income, I have been able to live very well with my additional high cash holdings from overnight and fixed-term deposits. Slowly but surely, this comfortable time is coming to an end for a security-conscious old man and he is starting to rethink and restructure. I may be 60 and no longer have a long-term investment horizon, but I can still plan for the medium term of 5 to 10 years. 250k is still tied up for 1 to 4 years at good fixed deposit interest rates for me (3.8 to 4.5%) with an annual payout. Now ING has come across me and is offering 3.3% overnight money via an extra account for 6 months, which I'll take. The free custody account too. And that brings us to the topic. I put 150k in the call money account (yes, I know deposit protection) and set up savings plans on ETFs with 8k per month for the next 1.5 years.

Of course I can't get away from cash flow completely, but a little growth with a manageable sum can't hurt. The basic idea is 50% in the world, 20% in dividends, 10% emerging, 10% Europe and 10% Russel.

US should already be appropriately weighted, I am not directly invested in tech, this should improve via world ETFs and I would also like to consider the rest of the world and a few dividends.

I have made the following pre-selection (as I said, it's about 8K per month in the savings plan):

50% world, half of this in $XDWL (-0,77 %) and the other half in$HMWO (-0,93 %) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (+0,24 %) and the other in $SEDY (-0,13 %) The latter one-fifth in China, the risk is manageable, otherwise a bit of a watering can and overall a small US share in both, which I cover via direct investments as I said.

10% in $IMEU (-0,39 %) which covers areas in which I have no exposure apart from $NOVO B (+2,67 %) and $HSBA (+0,88 %) I have no positions worth mentioning.

10% in $HMEF (-0,26 %) China, yes over 20%, the rest is ok for me and also includes information technology and financial services, which are very underrepresented in my portfolio.

10% in $IWM (-1,99 %) I am sticking to my US weighting and speculating on further effects from future interest rate cuts, even if some of this has already been priced in.

Finally, I would like to point out that I am not interested in the decimal place of the TER.

Overnight money will yield significantly less in the near future, growth does not harm my investment strategy, but it does not have to be the maximum return that can be achieved.

Putting everything into dividend stocks is suboptimal, so why not go "relatively risk-reduced" into ETFs in the medium term with part of my money.

Please give me your valued opinion on the approach and the chosen stocks, thanks for reading and have a sunny weekend.

Your dividend topi

After 11 months of dual studies, I can proudly announce that my portfolio has reached €5,000 for the first time - a small but significant milestone for me!