I try to document our development transparently - not as a
not as a "showcase", but as motivation of what discipline and time can achieve.
2025 was a strong year for us:
- Share price gains: +8.65 %
- Dividend yield: +2.02 %
- Total return (IZF): +10.46 %
- TWROR: +7.03 %
This puts us well ahead of inflation,
which means that our assets are growing in real terms
so our money is not losing purchasing power, but gaining it. 💪
The difference between IZF and TWROR also shows that
Our savings plans ran particularly efficiently during weaker market phases - in other words
precisely when many people hesitate or pause.
This pays off in the long term. 📈
💰 Dividend development:
In 2025, we received around € 3,390 net in dividends - which
which corresponds to around € 282 monthly cash flow.
The forecast for 2026 is already around € 3,670,
i.e. an increase of around +8 %.
All distributions will of course be reinvested. 🔁
🔹 Our structure:
- 500 € VWRL - global basis for growth & stability 🌍
- 500 € TDIV - focus on dividend strength and growth
- Vanguard FTSE High Dividend (VHYL) - high income focus 💰
- 100 € Bitcoin - store of value & admixture ⚡️
- Individual stocks such as Allianz, BlackRock and an S&P 500 ETF
We deliberately focus on distributing ETFs,
not because they necessarily generate higher returns,
but because of the psychological effect:
💬 "To see cash flow is to feel progress."
Long-term goal:
A steadily growing, globally diversified cash flow,
that gives us financial security -
and grows above inflation year after year.
How are you doing?
👉 Will your return also be above inflation in 2025?
👉 Do you reinvest everything or do you use some of your dividends?
