For once, today's kebab day includes the large skewered meat plate with extra 🐑
- Mercados
- Fondos de inversión cotizados (ETFs)
- Xtrackers MSCI World ETF
Xtrackers MSCI World ETFIE00BK1PV551XDWLXDWL
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/
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 $XDWL (+1,27 %) and the other half in$HMWO (+1,24 %) . Both very similarly structured, TER ok, both distributing, but in different months.
20% dividend ETF, half of which is in $TDIV (+0,7 %) and the other in $SEDY (+0,84 %) 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 (+1,03 %) which covers areas in which I have no exposure apart from $NOVO B (+1,62 %) and $HSBA (+1,51 %) I have no positions worth mentioning.
10% in $HMEF (+1,37 %) 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 (+1,51 %) 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
If you want dividends from emerging markets, avoid indices with a "high dividend" selection at all costs, but rather something with a quality factor, or simply the dividend-paying MSCI EM IMI.
Hello everyone,
I would also like to introduce myself and my portfolio briefly and succinctly.
I've been a silent reader for a few months now. Now it's time to reveal a bit about myself.
About me:
My name is Maria, I'm 35 years old and I live in Europe. I live for rent. I work in the business world as a manager.
I started investing in 2017 or 18, but stopped again in 2021. I started again towards the end of 2023 and am now here. I was mainly triggered by Finfluencer. There's good and bad. Good: I started investing again. Bad: I bought a lot of things blindly (which are no longer in the portfolio). I am now trying to straighten this out and no longer follow such people.
Monthly savings rate approx. 365 €.
I am fully invested, including Not Groschen because I can afford it and I want to make up for the lost years.
About the portfolio:
The aim is to create a healthy mix of growth, dividend (growth) and a stable, healthy basis. The dividends also serve somewhat as a "motivator", but ultimately my goal is to generate a passive income.
As mentioned above, I have (or had) some stocks in my portfolio that I wasn't happy with, so I recently cleaned them out and reallocated the capital that had been freed up. Roughly speaking, I would generally like to have fewer individual shares in my portfolio and will be weighting them towards ETFs.
The individual stocks in the portfolio:
- $$HMWO (+1,24 %) and likewise $XDWL (+1,27 %) are a pillar of my portfolio. Run with a weekly savings plan. Two MSCI World to collect dividends in different months and possibly avoid the FIFO principle
- $HMCH (+2,47 %) I am unsure here. I thought China would escalate, but it doesn't look like it at the moment. On the other hand, China can hardly go any lower. It is currently valued similarly to Austria. Running a monthly savings plan. I'm thinking of selling it and getting a broadly diversified emerging markets ETF.
- $QYLE (-0,67 %) Maybe a rookie mistake, maybe not. I have actually deleted the savings plan here, but now, due to the price slumps of the last few days, I will buy another tranche on the 16th via a savings plan. Let's see
- $O (-2,72 %) Largest single share position. I normally prefer weekly savings plans as I have various income streams and the constant investing motivates me. Here, however, I try to set the savings plan monthly so that I take the dividend discount with me.
- $JEGP (-0,63 %) It has recently become a pillar of my portfolio. Dividend growth, share price growth will hopefully follow, few fluctuations. I like it. It's weekly until late and provides me with good dividends every month.
- $LIN (+0,07 %) Was one of those blind herd buys, but I will hold the share as I think it is a quality company from the low weighted industrial sector and they have an oligopoly with Air liquide.
- The 2 accumulating world ETFs, momentum and quality, should outperform the normal MSCI World in the long term. Let's see
- $MPW (-3,18 %) The news at the beginning of the year was very negative, but I thought they had been punished too much and the intrinsic value exceeded the market capitalization at the time. So I got in three or four tranches near the low and was lucky.
- $SCHD I bought very recently and have to admit that I was triggered by the forum posts here. But I think it fits quite well into my strategy.
- $EWG2 (+0,99 %)
$STHY (-0,87 %)
$XUHY (+0,9 %) In my opinion, gold and bonds belong in every portfolio in order to provide opportunities and stability even in difficult market situations. However, I'm not sure whether I have the right corporate bond ETFs and should perhaps go for long-term government bonds.
Please feel free to give me feedback on my portfolio.
Have a nice weekend everyone!
What strikes me immediately is that there are many different ETFs, so you would probably be better off with an All World or the MSCI ACWI IMI as a solid basis. Plus a few solid individual stocks that you deliberately want to overweight without chasing current trends or hot topics. There are so many individual stocks that you could buy and you should be all the more selective when buying them.