3Lun·

Inspiration needed

Hello everyone,

I have cleaned up my portfolio a bit and trimmed it to 30 positions (please ignore the very small positions, it is more expensive to sell them than to keep them). The different ETFs on msci, msci em, dax and NASDAQ are due to historical reasons (sub. Deposits, change from synth. To physical replication, too many taxes with complete change). At the end of the year I will sell the 2 DWS old funds and then have the tax refunded promptly --> grandfathering. I just don't know where to switch to.

I am currently saving:

$TDIV (+0,13 %) 250/m

$IWDA (+0,08 %) 600/m

$IEMA (+0,28 %) 250/m

$EQAC (-0,08 %) 250/m

$ALV (-1,68 %) 50/w

$KO (+0,1 %) 50/w

$PEP (-0,24 %) 50/w

$UNH (-0,39 %) 50/w

$V (-0,25 %) 50/w

$ULVR (+0,62 %) 50/w

And I reinvest the dividends from $O (-0,13 %) and $MAIN (+2,29 %) monthly

I try to have all positions that I want to hold long-term at 2-4 percent (exceptions: ETFs, $EWG2 (+0,85 %) and $BRK.B (-0,1 %) )

At the moment semiconductors ($AMD (-0,27 %)
$PLTR (-1,64 %)
$MU (+2,72 %) and $MPWR (-0,24 %) ) are my "yield positions", which I would like to sell if the price continues to rise.

But at the moment I'm lacking inspiration. What is my portfolio missing in the long term? Which themes could I "play" to achieve short-term returns. Or just leave everything as it is.

I would be grateful for any opinions.

Greetings 👋

38Puestos

453.732,59 €

49,26 %

14 Comentarios

Alexander L.@Qheherain

3Lun

If you are interested in dividends, I would invest more in the UK, Germany and Australia - at least if the US stocks only pay a 3-4% dividend. 15% is always lost in taxes, so you can also take reasonably good, cheap stocks such as telecoms etc. that have similar dividends - without any taxes. In fact, "growth" stocks with 3-4% dividends (e.g. Linde, Allianz, Siemens) - general insurance companies and utilities - are both quite stable in price and have good dividends. In my view, such shares have a better overall return in the long term.

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Ver todas las 5 respuestas adicionales

aminemeskni@Aminmeskini

3Lun

I have two questions: have you really been on the stock market since 1995? And is the 4 per year return correct?

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HyperX@AxoWallStreet

3Lun

@Aminmeskini his portfolio only seems to have made a profit/loss from 1999 onwards. So no will not be correct.

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Kreon@Kreon

3Lun

@Aminmeskini @AxoWallStreet Yes, these are the DWS funds that my dad invested for me. Really active since 2020. And I think the return at getquin is distorted because all the savings plans are not included in the history. From 31.12.2024 everything is 100% correct

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aminemeskni@Aminmeskini

3Lun

How old are you? Do you need the dividend now

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Kreon@Kreon

3Lun

44. don't need the dividend at the moment, but have slowly started to think about retirement. Forecast for 2026 is €5,000 (net) dividend, so not too much either, just over 1%

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aminemeskni@Aminmeskini

3Lun

@Kreon I am of the opinion that if you have more than 10 years, don't pay attention to the dividend but to total return. In general, if you underperform the market for a few years (2-4), then it makes more sense to buy the market. Nevertheless, I think you have a solid portfolio.

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Max@Divident_e

3Lun

Mega. Finally a portfolio that goes back a very long time and where you can see various crashes. One of the best here!

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Kreon@Kreon

3Lun

@Divident_e staying power pays off!

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