My path to my goal:

My securities account has just cracked the €30,000 mark. What looks like a round sum is the result of a tough decision: I radically restructured my portfolio and sold 58 individual shares in order to focus on the essentials.

Why I sold 58 shares:

My portfolio used to consist of a "zoo" of over 50 individual stocks. But I have learned two things:

Time is money: as a shift worker, my time is precious. Tracking 50+ companies, reading quarterly reports and following the news was pure stress.

Focus beats dispersion loss: Many individual stocks neutralized each other. I wanted to move away from being a "hobby analyst" and become a strategic investor. The sale was the liberating blow to swap complexity for efficiency.

My strategy: the "two-pillar model"

I now invest stubbornly and automatically in two highly efficient ETFs:

#etfs

$VWRL (+1,23 %)

Vannguard FTSE All-World (Growth): My engine. Maximum world diversification. This is where I build the foundation for my assets.

$LDGL (+1,07 %)

L&G Quality Dividend (cash flow): My harvesting machine. This is where I secure a growing monthly cash flow that shows me today that my money is working for me.

My goal & outlook:

My current interim goal is to reach €40,000 by the end of the year. In the long term, I plan to save until I retire in 2048.

Savings rate: 500 to 1000 euros per month

1,000 is paid into a fixed deposit every month, covered by my basic salary.

The turbo: Every allowance from my shifts is invested to shorten the time to financial freedom.

The vision: At some point, I will shift the weighting in favor of cash flow in order to live off the dividends.

My motto: While others are still pondering the perfect individual share, I am already invested. The market never sleeps and neither does my portfolio now.

$LDGL (+1,07 %) 275 purchased at 9.138 each.

rebalacing core.

$LDGL (+1,07 %) 275 pieces at 9,155 euros each.

Busy rebalancing core of portfolio.

$LDGL (+1,07 %) is a monthly distribution equity ETF with over 900 holdings within it and which are more to less "equal weight."

The top 10 holdings are less than 3% of the ETF in proportion the $VHYL (+0,98 %) has in the first 10 positions out of over 2200 already about 11% of the ETF while it $LDGL (+1,07 %) has only +900 holdings but they are better equi-weighted and the average dividend on about 4% (VHYL stands at 2.6-2.8%) even though it has only taken out 3 to date, bodes well for those who want to invest in an instrument that gives capital growth and at the same time a monthly dividend that is neither too high nor too low.

Geographic diversification is a high highlight of this ETF that unlike the classic "World" or "Tech" there is no exposure to the U.S. 🇺🇸 of about 70 percent but only a 30 percent having also a nice exposure to Europe almost 40 percent and a 23 percent of Asia of which 17 percent is represented by Japan alone 🇯🇵

This ETF is very new but has already exceeded 100 million in assets under management and is growing fast...for the future I imagine this ETF will grow although not as fast as those that have a lot of tech, but the fact that the 900+ holdings within it are fairly equi-weighted, should be able to keep the average dividend fairly stable at 4% barring any major market shakeups globally.

Let me know what you think of the $LDGL (+1,07 %) and whether you also have it in your portfolio or plan to include it in the future.

PS: This post is not investment advice but just my personal opinion about an ETF I have in my portfolio.

$LDGL (+1,07 %)

$LDGL (+1,07 %)

I took the plunge and put some serious butter in it.

I'm looking forward to the first dividend.

Best regards 🖖🏼

$LDGL (+1,07 %) dividend received 1110 times $0.0353.

total $39.18.

$LDGL (+1,07 %) purchased 285 pieces for 9.101 euros and

$TDIV (+0,34 %) bought 50 pieces for 52.25 euro.

i keep buying additional in these 2 etf's so i slowly get equal distribution across my 4 etf's.

( $IDVY (+2,22 %) and $VHYL (+0,98 %) are my other etf)

The high share in financials is not really a big problem because the portfolio is less than 25% of my total assets.

Hey everyone,

I've already posted my portfolio here a few times and had it valued.

Briefly about me: 33 years old, have been working as a global buyer in Zurich for 4 years, still 30 years to retirement. My salary is very adequate and my savings rate is around €3,000 per month excluding bonus payments.

I have recently become interested in $LDGL (+1,07 %) as a further addition to my portfolio. I am deliberately ignoring the fact that the ETF would not real further diversification and would be a pure (further) cash flow investment. My goal from the outset was to build a cash flow portfolio and I am already quite satisfied with the result. However, I am very interested in another ETF with a monthly payment as a constant.

What would your plan be? If you were to take it up, how would you divide up the savings installment?

Thank you and have a good start to the week,

Tobi