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Dividendenopi👴 · 2024-08-30T19:03:36.504686Z

Hallo Gemeinde. Wie einige schon mitbekommen haben ist der Opi sehr dividendenlastig unterwegs und Cashflow ist die Maxime. Mein Depot mit z.Zt. knapp 250k besteht aus 64 % Aktien, 21 % Anleihen Bund und US Kurzläufer, etwas ETF, etwas Bonuszertifikaten und Gold physisch. Da der Großteil meines Einkommens aus Zinsen, Dividenden und Mieteinnahmen besteht konnte ich mit meinem zusätzlichen hohen Cashbestand durch Tages- und Festgeldzinsen sehr gut leben. Langsam aber sicher neigt sich diese komfortable Zeit für einen doch sicherheitsbewussten alten Sack dem Ende zu und er fängt an umzudenken und umzustrukturieren. Ich bin zwar 60 und habe keinen langfristigen Anlagehorizont mehr, aber mittelfristig auf 5 bis 10 Jahre darf ich schon noch planen. 250k sind 1 bis 4 Jahre noch zu für mich guten Festgeldzinsen ( 3,8 bis 4,5%) mit jährlicher Ausschüttung gebunden. Jetzt ist mir die ING über den Weg gelaufen und bietet noch 3,3% Tagesgeld übers Extra Konto auf 6 Monate, das nehme ich mit. Das kostenlose Depot dazu auch. Und damit sind wir beim Thema. Ich packe 150k aufs Tagesgeldkonto ( ja ich weiß Einlagensicherung ) und erstelle für die nächsten 1,5 Jahre Sparpläne auf ETFs mit mtl. 8k . So ganz komme ich natürlich nicht weg von Cashflow, aber ein bisschen Wachstum mit einer überschaubaren Summe kann nicht schaden. Grundgedanke sind 50% in Welt, 20% in Dividende, 10% Emerging, 10% Europa und 10% Russel. US soll schon weiter angemessen gewichtet sein, Tech bin ich direkt nicht investiert, das soll über Welt ETFs sich verbessern und den Rest der Welt und ein paar Dividenden möchte ich auch berücksichtigen. Folgende Vorauswahl habe ich getroffen ( wie gesagt, es geht um 8K mtl. im Sparplan ): 50% Welt, hiervon die Hälfte in $XDWL und die andere in$HMWO . Beide sehr ähnlich aufgebaut, TER ok, beide ausschüttend, aber in unterschiedlichen Monaten. 20% Dividenden ETF, hiervon die Hälfte in $TDIV und die andere in $SEDY Letzter ein Fünftel China, das Risiko ist überschaubar, ansonsten einmal mit der Gießkanne drüber und insgesamt bei beiden ein geringer US-Anteil, den ich wie gesagt über Direktinvestments abdecke. 10% in $IMEU , damit decke ich Bereiche ab, in denen ich außer $NOVO B und $HSBA keine nennenswerte Positionen habe. 10% in $HMEF , ja über 20% China, der Rest ist für mich ok und bringt auch Informationstechnologie und Finanzdienstleistungen mit, die stark unterpräsent sind in meinem Depot. 10% in $IWM , hiermit bleibe ich meiner US-Gewichtung treu und spekuliere auf weitere Effekte durch künftige Zinssenkungen, auch wenn ein Teil bereits eingepreist ist. Abschließend darf ich noch anmerken, dass es mir nicht auf die Nachkommastelle vom TER geht. Tagesgeld wird deutlich weniger bringen die nächste Zeit, Wachstum schadet meiner Anlagestrategie nicht, muss aber nicht die maximal zu erzielende Rendite sein. Alles in Dividendenaktien stecken ist suboptimal, warum also nicht "relativ risikoreduziert" mittelfristig in ETFs gehen mit einem Teil meines Geldes. Ich bitte um Eure geschätzte Meinung bezüglich des Vorgehens und der gewählten Titel, danke fürs Lesen und ein sonniges Wochenende. Euer Dividendenopi

Dividendenopi👴

@Dividendenopi

4Lun·

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 $XDWL (+0,35 %) and the other half in$HMWO (+0,34 %) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (-0,91 %) and the other in $SEDY (+0,5 %) 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 (+0,11 %) which covers areas in which I have no exposure apart from $NOVO B (+0,36 %) and $HSBA (-1,05 %) I have no positions worth mentioning.

10% in $HMEF (-0,04 %) 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 (-0,4 %) 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

37 Comentarios

Hebel-Horst@DoppelSchlechtMinus

4Lun

"EM Dividend" is not a good investment, pays out a lot but the total return is rather negative when adjusted for inflation.
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.

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Yieldrology@Yield-Ahead

4Lun

@Dividensenmann There is a good dividend ETF for the emerging markets from Wisdomtree. $DEMD

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Hebel-Horst@DoppelSchlechtMinus

4Lun

@Index-Investor Yes, that's what I mean, it also has reasonable quality criteria in the index. The FTSE and Fidelity ones are also ok.

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ThemenmitKopf@topicswithhead

4Lun

Why not make your own new dividend portfolio? And I don't know about dividends, so I'd rather have the good individual stocks. It's not about risk, half of them are just garbage

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ThemenmitKopf@topicswithhead

4Lun

@topicswithhead and Europe and the small cap I know nice somehow not satisfying

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Dividendenopi👴@Dividendenopi

4Lun

@topicswithhead My main portfolio is the dividend portfolio. And only stocks with a dividend yield of at least 2.5% have lost something in there 😇 Europe as a counterweight to my existing US bias. Small cap was just an idea in order to hold more than just the mainstream stocks... I'm already looking forward to your tinkering. 💪😁

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ThemenmitKopf@topicswithhead

4Lun

@Dividendenopi https://getqu.in/fbUQBc/ I have tried to incorporate most of your ideas with better performance and better to equal dividends without losing diversification and with a better TER

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Dividendenopi👴@Dividendenopi

4Lun

@topicswithhead absolutely great, thank you very much, the alternatives you suggested look very interesting, I'll take a closer look at them. 👌

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ThemenmitKopf@topicswithhead

4Lun

@Dividendenopi 👍🏼

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ThemenmitKopf@topicswithhead

4Lun

@Dividendenopi and liked it or not?

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Dividendenopi👴@Dividendenopi

4Lun

@topicswithhead Had to spend the whole day gardening with my mistress 😅 I'll get to work on it tonight ✌️

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Dividendenopi👴@Dividendenopi

4Lun

@topicswithhead have decided to limit today's gardening day to sitting in the shade, drinking coffee and browsing the net. 😎😁Thanks again for your selection: $IUQD is interesting and worth considering with the focus on quality stocks. With your sample weighting, the USA is too lumpy for me and, together with the two World ETFs, there is a lot in $NVDA, $AAPL, $MSFT and $META. Perhaps include this as a 3rd component in the 50% world coverage. The $HPRO is quite nice, I am already invested directly in $O and $VICI. What I like about $IEQD is that Germany is not so strongly represented there and $HSBA is not included, I also have a direct investment there. However, it is significantly smaller and the TER is twice as high. The performance is very similar and the slightly lower dividend is negligible. Now I have to shovel the money to ING and see what savings plans are available, they are due to start in the second half of September if the markets are good.... Until then I still have a few days to make the final selection and distribution and will of course let you and everyone else know.

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ThemenmitKopf@topicswithhead

4Lun

@Dividendenopi Country diversification makes virtually no sense on a large scale and is more a principle than a usefulness. The dividend ETFs only boost the half okay stocks in the end and create dependencies. Apart from that, dividends are not promised and I would rather have them from quality stocks than from stocks like Verizon, petro brasil or Mercedes

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ThemenmitKopf@topicswithhead

4Lun

@topicswithhead aswarth damoradan gave a country update a few weeks ago and also briefly explains that countries do correlate. Also that locations for settlement are as good as irrelevant because you always have advantages and disadvantages and most companies have more than one country of turnover

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ToDaMoon@randomdude

4Lun

You have my blessing!

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Stefan21@stefan_21

4Lun

I think that reads very well and I think you can do very little wrong. However, you forgot Bitcoin in your post🤪

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Dividendenopi👴@Dividendenopi

4Lun

@stefan_21 it was so clear to me that something was coming with BTC 😂🤑. I am in the process of familiarizing myself with the topic and will also invest a portion here, I think around 50k is appropriate as an addition. However, I don't like the fees/spreads and third-party custody at this level. And until I can solve this satisfactorily, I unfortunately have to wait with the investment. I now have an account with Bison, but that is simply too expensive for me and my knowledge is not sufficient for further alternatives.

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Stefan21@stefan_21

4Lun

@Dividendenopi I think it's great that you're reading up on the subject. If you have any questions, please feel free to ask :D
For the amount, I would actually recommend Binance... 0.1% fee.

I wouldn't do third-party custody. If I were you, I'd get a hardware wallet like the BitBox02, send the Bitcoin up there, done.
I would then stamp the 24 words in steel (you can buy sets online) and put them in a safe and then nothing can really happen to you :)

If you are looking for a contact person who will take you by the hand and advise you and help you set up the wallet, you could actually go to VR Bank Bayern Mitte. They've been doing this for I think 3 years now. They offer Bitcoin information sessions and then guide you step by step through the process of buying Bitcoin and storing it on your own hardware wallet. However, I don't know what fees they charge :)

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Dividendenopi👴@Dividendenopi

4Lun

@stefan_21 clean👌VR Bank Bayern Mitte almost hits my home, born in Regensburg, but the idea is good, I'm with VR Niederbayern/Oberpfalz with overnight money, I'll see if there's something there and can make my next visit home meaningful and not just at the Italian... Third-party custody is also tricky for me, I also buy my gold anonymously and physically despite poorer prices, so I wouldn't want to be robbed of my potential freedom with crypto. Bison sounds simple and "secure", but then I'll wait a bit and take a look at BitBox, @Testo-Investor has also introduced a hardware wallet, which seems coherent to me overall, regardless of what the individual thinks of crypto or not. Not an all in for me but definitely a must have at the given time. I'm on it and thank you for your offer, which I will certainly take you up on!

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Stefan21@stefan_21

4Lun

@Dividendenopi very nice, I was actually born in the Upper Palatinate, but now live in Munich :D

In principle, it doesn't matter which hardware wallet you use.
The Tangem Wallet that Testo presented is very modern and has a cool concept with the NFC chip - it's also relatively cheap, but I'm a little bothered by the fact that it doesn't have a display.

As far as I know, the VR Bank Bayern Mitte always recommends the Bitbox02 and alternatively a coldcard, i.e. a kind of check card with a public key on the front and the private key sealed on the back - so you wouldn't even need a hardware wallet, but would have a paper wallet :D

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Homer@Simpson

4Lun

Sounds like a sensible plan 😊👍

I would guess split it 2/3 in a core ETF, World or S&P500 rest in Reit 😊

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Dividendenopi👴@Dividendenopi

4Lun

@Simpson Yaaaaay 😉 I wasn't going to make it any more complicated than necessary. Two hearts beating in my chest.... S&P 500 and World is almost all US and little cash flow. I would like to get away from that.

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Homer@Simpson

4Lun

@Dividendenopi Choose 25 good aristocrats and save for them every month 😂

I know it's a difficult decision and only you can make it for yourself bist☺️👍

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Dividendenopi👴@Dividendenopi

4Lun

@Simpson Just open a SimpsonBeatsAll-ETF and everything will be fine. 😂 Yes, 25 aristocrats aren't the issue and neither is saving, in 2 years I'll post my portfolio and be told that there are far too many individual stocks, why not just one ETF..... Joking aside, I'm with you and from January I'll also have the time to deal intensively with so many individual securities for 8 hours a day. But I don't want to deal with even more stocks, you can't make up for time for yourself with any return. At least not in the summer 😇😎

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Nostradonkey💩@DonkeyInvestor

4Lun

Reads a bit too complex for me

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Dividendenopi👴@Dividendenopi

4Lun

@DonkeyInvestor Donkeys are just cognitively simple 🤷‍♀️😉. Substantiate complex? Or donkeyish: Allda, what specifically do you not understand. 🤔🤔

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Nostradonkey💩@DonkeyInvestor

4Lun

@Dividendenopi I understand everything. But I find it too complex. You have a dividend portfolio, but you also hold dividend ETFs. You have a World ETF and also EM and Europe in your portfolio. You complain about the high US share, which you want to balance out, but you have the Russel ...

It reads as if you are pursuing several goals in parallel with different strategies. And I'm not a fan of that

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Dividendenopi👴@Dividendenopi

4Lun

@DonkeyInvestor Right, simply adding to dividend stocks and letting them run would of course be an option. 30 or 40 k in $BATS or $MO is attractive, but I don't dare because of the cluster risk. $VICI and $O I will still adjust the equity balance. I don't have the big stocks in the dividend ETF except $VZ, $HSBA and $BMY. And the $TDIV has just under 30% US, measured against the total in both ETFs little additional US share. EM and Europe nothing else with USA. The US share in the World is mainly in tech, I am not directly invested there. The Russel is speculative, could alternatively take a small cap Euro or World. And yes, I am pursuing a parallel goal with different strategies. My capital is my income.

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Nostradonkey💩@DonkeyInvestor

4Lun

@Dividendenopi What do you think about pursuing a goal with a strategy? That's exactly what makes it unnecessarily complex in my view.

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six@six

4Lun

$TDIV is not possible with ING via a savings plan.
I would invest everything directly instead of messing around with savings plans. Statistically speaking, you're better off that way.

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Dividendenopi👴@Dividendenopi

4Lun

@six ok, thanks for the tip, as the account has only just been opened, I have not yet had the opportunity to test what is feasible. Everything pure at the moment is not a good idea from my point of view, I would like to pull it a bit with the amount of the investment.

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Zackdela79@Zackdela79

4Lun

I haven't done the math, but if you take the distributing ACW, you probably have a similar distribution and a similarly high dividend, but everything is much simpler 😉

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Dividendenopi👴@Dividendenopi

4Lun

@Zackdela79 Do you mean the ACW (X)?

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Zackdela79@Zackdela79

4Lun

@Dividendenopi I mean the $VWRL

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Nuno A.@Darknoites

4Lun

You should have growed your investments while young and change to dividends now at your age, you kinda did it all im reverse order, cant expect to grow a lot now.

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Dividendenopi👴@Dividendenopi

4Lun

@Darknoites I have the money and cash flow is the most important thing. Fixed-interest investments are too boring for me and everything in dividend stocks is too risky. Therefore some growth combined with regular distributions

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Nuno A.@Darknoites

4Lun

High dividend etfs are normally trash anf end up losing you a lot of money in the long run

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