LoginSignup
Imagen de perfil
JH
@AppleSeEd156
2Año·

Moin,

started investing in 2021 and added single stocks in July 2022 to generate cash flow. I am currently considering replacing the 20% individual stocks with dividend ETF(s) due to the still low portfolio volume of under €1000. Rather a FTSE All World Dist. $VGWL (+0,3 %) or All World High Dividend Yield $VHYL ? One ETF or several ? My strategy when I saved the stocks was to have a monthly cash flow next to the Accumulating World ETF. Looking forward to your opinions.

attachment
Eche un vistazo a mi Tablero de análisis ¡Ahora!
6
16 Comentarios
Imagen de perfil
Alfons P@AlfonsP
2Año
I think your depot is not bad. Everybody starts out from time to time. I find your selection of securities quite good. Personally, I am not a fan of ETFs (I am probably in the minority with my opinion). I would always prefer dividend stocks to ETFs.
•
4
•
Imagen de perfil
JH@AppleSeEd156
2Año
@AlfonsP I'm currently thinking about it, as I'll be finishing my training in January and will then have more capital to invest. I have a custody account with ING. If I stick with this strategy, it would make sense to open a custody account with Scalable for the individual stocks because of the order and savings plan costs...
••
Imagen de perfil
Ludwig@LUD
2Año
@AppleSeEd156 You are absolutely right
••
Imagen de perfil
JH@AppleSeEd156
2Año
@LUD My main question is more about the strategy: continue with the individual stocks 80-20 and gradually increase the volume, or no individual stocks for the time being and weight a distributing ETF 20% to the core?
••
Imagen de perfil
Alfons P@AlfonsP
2Año
@AppleSeEd156 I think the strategy of the user @Finanzkroko is a good one for building up a portfolio. He has built up a portfolio with €400 per month via a savings plan. I think the result is quite respectable. But as always, this is of course just my personal opinion.
••
Imagen de perfil
PauleD@PauleD
2Año
Looks pretty good, I would save the 3etfs with a fixed amount every month for the time being and if you have something left over, continue to expand the individual securities 👍🏼
••
Imagen de perfil
Seventrader@7Trader
2Año
I would not break up the individual stocks. It would be better to consider a fixed strategy to increase each title continuously (but not with small contributions in parallel).
••
Usuario eliminado
2Año
Comentario eliminado
Imagen de perfil
JH@AppleSeEd156
2Año
@Dagobert-Duck Does that mean saving the FTSE All World Dist. in addition to the World ETF? At the moment I have the World ETF in a 60-10-30.
••
Usuario eliminado
2Año
Comentario eliminado
Imagen de perfil
JH@AppleSeEd156
2Año
@DerCheruskerFuerst I wanted to have a cash flow in addition to the accumulating world ETF. So far I have covered this with 20% through individual shares. Due to the still low volume, the question now was whether it makes more sense to cover this with a distributing ETF. I already have a core or the World ETF....
••
Usuario eliminado
2Año
Comentario eliminado
Imagen de perfil
JH@AppleSeEd156
2Año
@Dagobert-Duck No, I'm not yet, which is why I'm paying out 20%. I started with small amounts during my training in order to save up a little at first. I'll finish my training in January and will then have more money. Which is why I'm now rethinking my strategy: I would have to create a new custody account for the shares because of the costs.
The problem now is that I would then have to switch my accumulating ETFs?
••
Imagen de perfil
JH@AppleSeEd156
2Año
@Dagobert-Duck Thanks for the input
How would one proceed in my portfolio situation? Shift the core into the All World distributing? Leave the existing positions as they are and move them into the All World from now on? To my actual question: leave the shares as they are or continue to add to them?
••
Usuario eliminado
2Año
Comentario eliminado
Imagen de perfil
JH@AppleSeEd156
2Año
@DerCheruskerFuerst Of course I read them, I would like to have feedback. It was now about how to proceed in this situation if I decide to take a distributing All World.... Sell the previous core? Or should I leave it and invest in the All World Dist. from now on? You recommended an ETF, i.e. the All World variant, and Michael pointed out that it's better to go with a distributing ETF at this volume, which both go in this direction. Now I don't know how best to proceed in this situation, whether to leave it or reallocate? Thanks for the help and sorry for all the questions 🙏
••
Ver una respuesta más
Únase a la conversación
InscríbaseInicio de sesión