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 ($VWCE (-0,38 %)) - 40%
• Vanguard FTSE All-World High Dividend Yield ($VHYL (-0,07 %)) - 10%
• SPDR S&P Global Dividend Aristocrats ($ZPRG (-0,23 %) ) - 10%
• iShares Global Select Dividend 100 ($ISPA (+0,08 %)) - 10%
• Fidelity Global Quality Income UCITS ETF ($FGEQ (-1,29 %)) - 10%
• VanEck Morningstar Morningstar Developed Markets Dividend Leaders UCITS ETF ($TDIV (-0,1 %)) - 10%
• JPMorgan Global Equity Premium Income ($JEGP (+0 %)) - 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 (-0,38 %) or the $FWRG (-0,4 %)? The latter is newer and has a lower TER, might it be worth choosing it?
• I am undecided between the $VHYL (-0,07 %) and the $VWRL (-0,24 %), 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 (-0,23 %) e $ISPA (+0,08 %), as they offer very high dividends, but their growth has been very low. For the $ZPRG (-0,23 %) I could add that 10 percent to the $FGEQ (-1,29 %), as they pay the same months, while as for the$ISPA (+0,08 %), 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 (-0,24 %) (60% of the total savings rate) as the core, I also have the $TDIV (-0,1 %) and $FGEQ (-1,29 %) at 14% and 12% into the portfolio. In addition, I currently have the $IBC3 (-0,19 %) (7%) and the $COMF (+0,35 %) (4%).

At the moment I'm not sure whether I'd rather use the resources for the $IBC3 (-0,19 %) and the $COMF (+0,35 %) either in the $VWRL (-0,24 %) or add something else to the portfolio instead of the two (bonds or maybe $JEGP (+0 %))? 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 (-1,31 %) 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

$FGEQ (-1,29 %) that is sad on this beautiful day

Hi folks,

I need your help.

I have an accumulating ACWI ETF from my early days in my portfolio. The value is currently at 21k€ and up 18%.

I changed my strategy some time ago and switched to a dividend growth strategy with the $FGEQ (-1,29 %) and $TDIV (-0,1 %) and 25 individual stocks.

I'm thinking of selling the ETF and shifting into some cheaply valued stocks from my portfolio and into the two main ETFs. Some stocks in my portfolio are heavily in the red. I would add to these.

Could this make sense in the current market situation? Or do you say "back and forth empties the pocket"?

Have a nice day everyone! ☀️☀️

The first quarter of 2025 is over. In March, real assets recorded declines, both in equities and ETFs and especially in cryptocurrencies. The markets have become increasingly volatile. While many are panicking, I have been enjoying the first signs of spring, hiking and continuing to winter bathe diligently.

For the past month of March 2025, I present the following points:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ CASHBACK

➡️ AFTER-PURCHASES

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

There was a considerable setback in March, and not just in equities. The reason for this is the customs issue, on which I have already formulated my thesis, which many believe to be correct. To summarize briefly: Markets are being depressed to get investors into bonds, which lowers bond yields and allows US debt to be refinanced at a lower interest rate. After the refinancing of short-term US government bonds, the tariffs are put into perspective and the next upswing follows, which Trump can boast about. Whether this assumption is correct remains to be seen. However, it would make sense in the long term to slash US spending. Even if the D.O.G.E. does a good job, you can't cut everything without incurring the displeasure of the population.

A look at the depot shows the front-runner $AVGO (-0,48 %) and its companion $NFLX (-0,87 %) both currently only 150% up, despite a significant setback. I am unimpressed by this development, as the capital market is always facing worse times, which will be followed by better ones. According to André Kostolany, it is now the "shaky hands" that are significantly triggering the sell-off. Yes, change your perspective: the red sign in your portfolio is irrelevant, now is the time to buy more. Enormous overvaluations in tech stocks have been reduced and they may now be available at a fairer price. There are also attractive defensive value stocks on offer, ideal for a dividend portfolio.

Second and fourth place in my individual share portfolio are still occupied by $WMT (-0,8 %) and $SAP (-2,19 %) . Walmart can now prove that it acts as a stable anchor in the portfolio even in bad times. In sixth place is a stock that I did not expect to be in the top 10. Like me, many of you have shares in $WM (-0,06 %) but the stock I am looking for is its competitor: $RSG (+2,95 %) . I have been watching the rise of this stock even before the pressure from Trump and I am happy about it. This is an example of a defensive stock. Garbage collection is necessary and Republic Services, like Waste Management, will literally turn garbage into gold for shareholders 50 years from now. Anyone complaining about their portfolio being down 50% probably has too much tech and too little defensive. My overall portfolio currently stands at around -12%. That's OK in the current macro environment.

Which brings us to the subject of performance: $NKE0 and $DHR (-0,33 %) returned around -39% at the end of March.

➡️ ETFs

They are also recording significant losses. It is important to remain calm and continue investing. Such phases are part of the game. I will not repeat further details.

➡️ Distributions

In March, I received 31 distributions on 15 payout days. I am grateful for this additional income stream. Everyone should build up such additional income.

This time, the distributions from my three large ETFs were not made on March 31, but in the first few days of April. This means that there should theoretically be 34 distributions. Numerous corrections and cancellations of dividends from REITs were not taken into account. With $O (-0,3 %) , $OHI (-0,46 %) , $LTC (+0,89 %) and $STAG (-0,8 %) there were therefore some cancellations and new dividend distributions. Although this was a major bureaucratic effort, it was usually a cause for celebration. This is because the REITs initially distribute dividends from current net income. If there are then corrections in the following year, it is determined that a distribution is also made from the already taxed retained earnings. This subsequently reduces the company's tax burden and I have noticed that I pay less capital gains tax and solidarity surcharge. So more cash in my pocket for reinvestment.

➡️ Cashback

In March, I received a small amount of income from an expense report, which I invested directly in my custody account. More on this under subsequent purchases.

➡️ Subsequent purchases

The additional purchases were financed from the expense report and, above all, from the bonus paid out by my employer. I am grateful for this, as my employer is not doing well at the moment.

I made numerous additional purchases in several ETFs that are in my small old portfolios. I invested smaller sums $GGRP (-0,32 %) , $JEGP (+0 %) , $SPYW (+0,38 %) , $FGEQ (-1,29 %) and $SPYD (-0,79 %) and bought a larger sum in shares of the $IWDP. On the last Friday in March, I checked my portfolio and realized that, despite careful use of the surplus, there was more cash left than I had expected. I therefore made a small additional purchase in the $VNA (+2,72 %) . For me, Vonovia (like the REITs) is a kind of hedge against my own rising rent.

➡️ P2P loans

With my last P2P platform, Mintos, there were no interest or redemption payments. I still intend to withdraw all funds where released. I would even accept a full write-off to get out of the platform. The remaining amount is no longer relevant to me.

➡️ Crypto

Crypto investors continued to experience significant volatility in March. The double top predicted by some does not seem to be materializing and the indicators do not currently point to a steep rise. I am studying the charting and the macro environment for crypto, although I still have a lot to learn here. Patience and calm are still required. I am sticking to my cycle strategy, the macro situation confirms me, so there is no need for me to take any action.

➡️ And what else?

I'm currently deepening my knowledge of AI. The posts on my Instagram channel that I published in March (and others that will follow in April) were created with the help of AI. I explained my approaches, beliefs about finance and the frugal lifestyle, and my goals to AI. The AI then created suggestions for Instagram posts, including prompts and allowing for a week break at the end of the month.

There is still a lot for me to learn. I am using AI more and more intensively and deeply in my professional and private life. While colleagues are happy that an AI can write emails for them, I use it much more extensively, for example to have technical content and its effects on departments and companies explained to me at work or to have economic relationships explained to me in my private life. In addition to ChatGPT, I particularly like Grok by X, as this AI always asks questions and thus enables a fluid conversation. The AI doesn't just reproduce facts, but also evaluates my ideas and classifies them, for example whether I should already use part of my nest egg to buy more quality stocks at favorable prices. Her suggestion was perhaps to wait until after the refinancing of short-term US government debt, when there might be less downward volatility in the market. This recommendation is based on my thesis mentioned above.

March was also a month of fasting for me, not for religious reasons, but because I want to and always intend to. I like to use the time after fasting to change my habits, adjust my diet and vary my sports units and routines. For me, this is particularly easy after fasting - the time afterwards generally feels like a new beginning.

➡️ Outlook

In April we will continue to see negative signs in the portfolio. I have now placed a limit order, which I hope will be triggered. The annual electricity bill is also due. I'm curious to see how much will be returned, the refund will certainly go into the custody account. It will also become clear whether I will increase my discount due to higher electricity costs. Until then!

Links:

Social media links can be found in my profile, you can also take a look at the Instagram version of my review.

Many dividend ETFs focus on high distribution yields, but the Fidelity Global Quality Income ETF ($FGEQ (-1,29 %) ) takes a different approach: quality comes first.

Instead of simply picking the highest dividend payers, this ETF specifically selects companies with solid profitability, stable balance sheets and sustainable dividend growth.

What makes this ETF special?

🔹 Quality strategy: Companies are filtered according to fundamental key figures, e.g. high return on equity and low debt ratio.

🔹 Global diversification: The ETF invests globally in industrialized countries, creating a good balance between regions.

🔹 Quarterly distribution: Ideal for investors who prefer regular cash flows.

🔹 Long-term focus: Instead of focusing on short-term dividend yields, the ETF pays attention to companies with sustainable distribution policies.

Difference to classic dividend ETFs

Many dividend ETFs simply pick the companies with the highest dividend yields and often these are companies with uncertain growth or unstable payouts.

The Fidelity ETF avoids this risk by including only solid companies with sustainable dividends.

Who is this ETF for?

✅ Long-term investorswho value stability and solid companies.

✅ Dividend investorswho prefer regular distributions with substance.

✅ Quality-conscious investorswho focus on strong business models in addition to dividends.

💡 Conclusion: This ETF is perfect for investors who don't just want to collect dividends, but want to invest in financially sound and well-managed companies.

Quality beats quantity! 🚀

Dear Community,

I am 25 years old and have been in the world of investing since 2022. I restructured my portfolio 1.5 years ago and opted for the $VWCE (-0,38 %) with a 70% savings rate, the $GGRP (-0,32 %) and the $FGEQ (-1,29 %) each with a 15% savings rate. My goal is to save for retirement. At the moment I'm still studying and therefore can't invest large sums yet, but I still want to have a fixed strategy and keep feeding it as soon as I earn money and let it run until I retire. Lately I've been doing some more thinking and research and I'm generally satisfied. I know the ETFs have overlaps, but they complement each other to some extent, e.g. through a higher weighting of consumer staples stocks, which are weighted lower in the $VWCE (-0,38 %) This is also reflected in a slightly better performance in the current market phase.

As I like dividend distributions but still don't want to lose out on share price performance, these ETFs have proven to be the right choice. As I would like to build up a monthly cash flow in addition to solid share price growth, especially for the future, which will pay for my Netflix subscription now and perhaps even my rent in the future, I am considering adding the $TDIV (-0,1 %) to include in my portfolio. This would allow me to significantly reduce the US share again and diversify the sectors a little more. In addition, with the 3 distributing ETFs I would have a monthly payout, which I personally like - especially psychologically.

What do you think of this portfolio with the 4 ETFs $VWCE (-0,38 %)
$GGRP (-0,32 %)
$FGEQ (-1,29 %)
$TDIV (-0,1 %) with a 70-10-10-10 weighting for a holding period of 30+ years?

I look forward to your advice.

Many thanks and best regards from Mexico City.

I would like to share this nice daily performance with everyone who sometimes doubts their investment in not so good times. I should note that I am not invested in crypto and that my two ETFS $QYLE (-0,36 %) and $FGEQ (-1,29 %) were stopped out, which has caused my portfolio value to shrink by 30k, but also frees up cash for possible additional purchases. Even if it's not so nice to look at my portfolio on some days, it's always worth it in the long term and in the short term the sun sometimes peeks through the cloudy investor sky. This is clear to the experienced investors here, but many of those who have not been invested for so long have had doubts, as I have read in a number of posts. As you can see, things can turn around quickly, even if only a few stocks are involved. Today $MUX (+0,37 %) stands out, also $HSBA (-2,89 %) has increased. That's not to say anything about my temporary problem children like $NOVO B (+1,5 %) or $HAUTO (+0,92 %) should not obscure the fact. To all doubters, no matter how you have set up your investment, please stay true to your goals, look at the market and don't get rattled. Act wisely and not with shaky fingers. In the long term, we will all be back on the winning side.

Unfortunately, this year's best alarm clock came a little late.

Due to my move to Zurich, I have not yet been able to invest anything this year. This hasn't bothered me due to the highly valued markets, but in the current situation my fingers are starting to itch.

I am also questioning the role of the $FGEQ (-1,29 %) in my portfolio. Unfortunately, it is performing worse than my $VWRL (-0,24 %) and is not bringing the hoped-for reduction in volatility to my portfolio and the difference in dividends is still marginal.

I am now flirting with the $JEGP (+0 %) as a 1:1 replacement for $FGEQ (-1,29 %) in order to achieve even more dynamic and consistent dividends to complement the $VWRL (-0,24 %) and the $TDIV (-0,1 %) out.

What are your thoughts on this? The weighting in the portfolio would be 20%.