I am Team Dividend Strategy, but on closer inspection not with it !

The "premium" here is high, but the chart speaks for itself. Especially the US version, which has been around since 2013, the chart is more than frightening. Upsides are limited, but on the downside the CC ETFs take every correction and crash 100% with them and don't go back up because of the called options...in the long term they are just burning money.

Apart from that, there is no 30% partial tax exemption as with many other ETFs, and the TER cannot be ignored either. The net return is of course also significantly lower.

#dividendenstrategie
#etfs
#fehlentscheidung
#passiveseinkommen
#dividends
#portfoliofeedback

$QYLE (-0,04 %)

Hello everyone,

I am 28 and would like to invest for the long term. My savings rate is around 600€-800€ per month.

Briefly about the current positions:

The $VWRL (+0,08 %) position is in the savings plan.

$ALV (-1,53 %) The savings plan ran initially and I am currently simply holding the position and not expanding it any further.

$QYLE (-0,04 %) was also once in a savings plan. The aim here was to generate cash flow, but I would now rather reallocate in order to get a higher return in the long term.

$MEUD (+0,07 %) runs in the savings plan to increase the European share.

$IUIT (+0,41 %) I like to buy more when there are setbacks and use it as a yield booster. Also in the savings plan.

$BTC (-0,24 %)
$ETH (+0,78 %)
$SOL (+1,3 %) are partly older. I am considering expanding them.

I would be pleased to hear your ideas and opinions on what you would do - also with regard to regrouping and structuring the savings plans.

Thank you very much for your encouragement!

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0,22 %) , $O (+0,35 %) and $ATO (+7 %) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0,18 %)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (-0,04 %)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0,54 %)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (+0,09 %)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0,3 %)

50 €

FTSE Emerging Markets (Dist)$VFEM (-0,21 %)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-0,24 %) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

$QYLE (-0,04 %)

Dear Community,

I have sold all my positions in the portfolio except for cryptos with a small profit. After deducting the KEST, I now have 90k available. I'm more into the dividend portfolio. Would only a dividend strategy with ETFs make sense now? I live in Austria. Especially when you consider the taxes, including withholding tax on dividend income here.

For example: 50% on $QYLE (-0,04 %) and distribute the rest to other dividend ETFs?

What do you think? Would be very grateful for recommendations and tips.

Kind regards

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 (-0,53 %) was once a gift and $MSFT (+0,31 %) 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 (+0,08 %)

75 euros to the $ZPRG (-0,54 %)

45 Euro to the $QYLE (-0,04 %)

30 Euro in the $EUDF (+0,71 %)

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 (-0,24 %) for example.

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

...remember exactly when I took this beautiful and motivating screenshot of my portfolio on May 31, 2024.

At that time, I had been investing in equities for exactly 12 months and, after the first 1-2 months of dreaming big about penny stocks 🫣 and after some training, I had defined my new personal strategy and goals, but more importantly, I had also consistently implemented them since then.

I then reached the first milestone I had set myself with a portfolio value of €10,000 on time in 08/2024 and also the second milestone, dividend >= €500, on time at the end of 2024.

Since then, my new chosen milestones 3 and 4 have been: portfolio value €20,000 by 08/2025 and dividends >= €1000 by 12/2025.

Since Friday, milestone 3 has even been reached almost 2 months earlier than planned...

...and milestone 4 is also in sight early on with ~€500 in dividends received so far and ~€1000 still to be expected and is probably only a matter of time 🤗

If the question now arises that these are only gross dividends, I would like to point out that of €136.35 in May dividends, €125.90 remained net and that's how it actually looks in relation to each dividend month.

I generally have very little withholding tax to pay and the two ETFs also have a 30% tax exemption, so the €1000 FSA becomes a little more net of gross in percentage terms. In addition, with $VICI (+0,41 %) I currently only have one pure US share in my portfolio and the remaining US share is in the two ETFs.

Another target for dividends, i.e. milestone 6, is >= €2000 for 2026, so the FSA would also be fully utilized after the marriage and not a single cent would be given away 😉

Even if May turned out a little poorer...

...new additions:

$1211 (-1,22 %)

$3750 (+0,23 %)

Stocked up:

$HAUTO (+3,31 %)

Liquidated:

$QYLE (-0,04 %)

...everything is on target for the long term...

...even if we are only looking at a boring dividend and not a highflyer portfolio, it has been beating since the beginning (well 2 months of penny stocks deducted) for 2 years and I am quite satisfied with my performance since my strategy change 08/2023...

And so I will continue to stick to my current strategy and expand it within the scope of my possibilities.

The attentive reader will certainly have noticed that milestone 5 is still missing, but unlike 6, I won't set it until the end of the year and my target plan until then would be 25k+ and then we'll see...

...in the meantime, the last IHK exam (tax law) on the way to becoming a financial accountant is also coming up and who knows, maybe I can then increase my monthly savings rate of €550-700 a little more 🤷‍♂️

Anyway, until the next water level report, I wish us all a good hand on the path of at least 6 figures and stay true to your resolutions ✌🏻

1- Apply for a custody account loan with Scalable

2- Purchase CC ETF on credit in the maximum amount of 5 net monthly dividends

3- Let the CC ETF repay the loan automatically each month

4- Start a new cycle with €200 more

Let's see how it goes. It's more of a small test, we have enough reserves, don't worry :)