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Maxi
@mhu
1Año·

Good morning,


A lot has changed in my portfolio over the past year and I wanted to get some input on my thoughts.


My portfolio currently has an emerging market share of around 5.7 percent, exclusively China among the individual stocks $700 (-0,2 %)
$601318
$9988 (+1,46 %) as well as the EM share contained in the FTSE All World. I would like to increase this share until the overall portfolio once again corresponds to the EM share of the FTSE All World. For this reason, I will start saving in an EM ETF this month.


The percentage share of ETFs is currently 40 percent, but should be increased further in the long term. The following savings plans will be running from January:


650 euros $VWRL (+0,3 %)

200 euros $FGEQ (-0,04 %)

100 Euro $VFEM (+0,16 %)

50 Euro $ASML (+0,57 %)

50 Euro $3V6

50 Euro $MA (+0,48 %)

50 Euro $SBUX (+0,3 %)

50 Euro $VWCE (+0,31 %) (Annex VL)


I am currently 25 years old and have been following a dividend strategy since 2018. With the current savings plans, I would also like to focus more on dividend growth.


I would be very interested in your opinion ☺️



Eche un vistazo a mi Tablero de análisis ¡Ahora!
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22 Comentarios
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Aktienmasseur@Aktienmasseur
1Año
Especially at a young age, your focus should be on growth and not on dividends. I'm not assuming that you want to use the dividends to live on today or tomorrow? Invest more in accumulating products instead of distributing ones.
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Kai@fcsp
1Año
@Aktienmasseur can you say that across the board? It also depends on the performance in combination with the dividend growth, doesn't it?
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Aktienmasseur@Aktienmasseur
1Año
@fcsp Not across the board, but dividends are not additional free money and reduce the value of the company. In the long term, an accumulated product will also perform far better in terms of tax.
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S.A.U.@SAUgut77
1Año
@Aktienmasseur But you can also reinvest the distributions yourself. In my opinion, this makes more sense than having to reallocate the tesau at some point...
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Ben@Bart_S
1Año
@SAUgut77 and you don't have to sell any shares when you get older. That's also an advantage for me. You always keep your shares.
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Maxi@mhu
1Año
@Aktienmasseur Thank you for your opinion. May I ask why you then hold a lot of dividend stocks yourself and have set yourself a target of 1.4K dividends for 2024?
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1Año
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Aktienmasseur@Aktienmasseur
1Año
@mhu I was very convinced of dividends at the beginning of my time on the stock market. Since mid-2023, however, I've been asking myself the question "What's the point of dividends now if I'm not going to pay them out anyway?"

Since then, I've focused more on growth.

Nevertheless, my dividends are of course growing and I hold a large number of my stocks not because of the dividends, but because of the general growth and interest in the company.😎
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Aktienmasseur@Aktienmasseur
1Año
@Til_S97 What kind of chatter? The fact is that stock picking rarely outperforms the market and dividends are not free money.
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S.A.U.@SAUgut77
1Año
@Aktienmasseur in my opinion, the only one who is talking is you...sorry...but if he takes a well-positioned distributing all world or index etf, for example, he doesn't have to reallocate later, and payout+growth gives him the opportunity to reinvest payouts and savings plans depending on the weighting. And healthy dividends from a company do leave room for growth ☝️ ...but you already know that 😎

He can also use individual shares to either increase his weighting selectively or diversify stocks that are not covered. Here, too, dividends and re-invest are not a shame, so think about your advice 🫡
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S.A.U.@SAUgut77
1Año
@Aktienmasseur How many companies can you think of off the top of your head that pay dividends and are still growing healthily?
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PowerWordChill@PowerWordChill
1Año
I'll try to be as objective as possible and assume that the figures in your dashboard are correct:

Since 01.01.2019, a 60% Stocks 40% Bond portfolio has made a return of 56%.
https://portfolioslab.com/portfolio/stocks-bonds-60-40
2023 was the worst year ever for this portfolio. (because of the bond crash)
Your portfolio in the same time 17%... so you were beaten by one of the worst performing standard portfolios by a factor of 3...

If individual stocks are a hobby then go ahead, if you want to build wealth with them then please buy broad market ETFs.

This is meant to be objective criticism, please don't take it personally.
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Maxi@mhu
1Año
@PowerWordChill Hi, the 17% is not objective for my performance. The TTWR is 57 percent since Oct 2018. I also invest a lot
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Maxi@mhu
1Año
@PowerWordChill Assuming my portfolio stands at 10k with 100 percent profit, then I invest another 10 k, the portfolio will only have 25 percent profit. It is simply distorted downwards
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Stonksonlygoup@SOGO
1Año
@PowerWordChill you have a mistake in your thinking, the performance changes when you put in new money...
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PowerWordChill@PowerWordChill
1Año
@mhu OK, you're right that the new deposits drag down the relative return.
If we assume that you have generated a return of 57% on the capital invested, then your portfolio has performed roughly the same as the 60/40 portfolio, but with massively higher risk.
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Maxi@mhu
1Año
@PowerWordChill well, you should also note that the stock markets corrected significantly from oct 18 to dec 18. But yes, I don't want to make it look better than it is. I didn't achieve a big outperformance in the 5 years. Another reason why I invest 80 percent of my new money in ETFs
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S.A.U.@SAUgut77
1Año
@PowerWordChill but still arrived safely and, as we all know, the journey is the reward 🤷‍♂️
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PowerWordChill@PowerWordChill
1Año
@SAUgut77 So my goal is to stop working full-time at some point. And the goal is the goal. Of course, I like to take things with me on the way 😉
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S.A.U.@SAUgut77
1Año
@PowerWordChill and many roads lead to Rome...if that was the goal 🫠
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Aktienmasseur@Aktienmasseur
1Año
Take a look at the matching example: https://getqu.in/I3VXdD/ https://getqu.in/I3VXdD/
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