22H·

Current financial thoughts - on the path to self-employment 🤲

From next year (September 2026), I will be self-employed full-time as an occupational therapist. As part of this, I would also like to restructure my investment portfolio so that it suits my long-term goals and supports me in my financial independence.

My current plan:

I would like to run a savings plan separately in a separate account, which is intended solely for retirement and should not be touched. I'm currently thinking of the FTSE All-World Acc $VWCE (-0,02 %) , i.e. accumulating, to make the most of the compound interest effect.

Open questions concern my main portfolio:

I am currently using this more generally to build up assets and utilize the tax-free allowance. From 2026, I expect to receive around €100 net per month in dividends.

I am now considering how to proceed:

Should I specifically expand the existing portfolio with more shares?

Or would it be better to add an additional ETF?

Or would it make sense to combine a pension and share portfolio and save everything in one account?

Another idea would be to save in the FTSE All-World Dist $VWRL (+0,06 %) instead of the accumulating variant in order to see the dividend performance directly and thus build up a long-term growing additional income.

I would be interested to know how you would handle this - especially if you are also self-employed or in a similar situation.

🔍How would you build and structure the portfolio?

#etfs
#crypto
#dividends
#growth

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@Mister_ultra
@Simpson
@TheAccountant89
@DonkeyInvestor
@Alpalaka
@RealMichaelScott
@topicswithhead
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@Multibagger
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29 Comentarios

22H

I don't think you'll have much time for the stock market when you start your own business. That's why I prefer ETFs, where others are much more competent than I am.

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DerDanner@Therapeut

22H

@Multibagger You answered that honestly 😂

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Demas@Demas

14H

@Multibagger the goal is time freedom with your own business 🤝

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Eselai@DonkeyInvestor

22H

What do you want to achieve with your main deposit? I understood one thing - a pension - but the other? Asset accumulation can mean anything and nothing. And investing money to take advantage of the tax-free amount, but which doesn't fit the overall goal, is strange.

The $VWCE is the accumulating one and the $VWRL is the distributing one 😉

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DerDanner@Therapeut

22H

@DonkeyInvestor ups😅
I ask myself the same question, the main portfolio has no real goal. The money multiplies and pays dividends.
Cash flow is interesting but not advantageous from a tax perspective.

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Eselai@DonkeyInvestor

20H

@Therapeut well then, all in $VWCE

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Wealth-Accelerator@Wealth-Accelerator

18H

@DonkeyInvestor
I agree with that!

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Alpalaka@Alpalaka

22H

Who gave you permission to tag me? Pffffffffffffffft

As the donkey says: You have two deposits, 1x pension and 1x ?

In my case, I don't split anything up, as everything I save is intended to make life easier for my future self in financial terms

I have also registered a business on the side - completely different sector but it doesn't matter: savings plan in a World/All-World, shift shares into the ETF and put most of the time and money into the company/self-employment.
In retrospect, that was the best decision for me.

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DerDanner@Therapeut

22H

@Alpalaka 😂
Thanks for your reply, yes 1x pension 1x?
It's still more than 40 years until retirement so the FTSE savings plan will be enough, I'm not sure about the other portfolio, cash flow or equity for a property.

Ftse Allworld and that's good, sounds relaxed and effective 👍

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Alpalaka@Alpalaka

21H

@Therapeut In any case, self-employment has more impact on potential financial freedom than analyzing stocks on a daily basis. Keep that in mind :)

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DerDanner@Therapeut

21H

@Alpalaka You're right, the biggest driver is income🚀

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ShrimpTheGimp🦐@ShrimpTheGimp

21H

I take a similar approach. I have 2 custody accounts. Depot 1 is my growth depot for my pension. I save there monthly at $VWCE $XNAS $WGLD and $IB1T.

Depot 2 is used for passive cash flow in order to exploit the FA and receive a good portion of the dividend. I have reasonably stable individual stocks there $XEOD and $TDIV. The ETF is not saved, all dividends flow into it. Of course, it would be ideal to close my pension gap with this cash flow without having to invest in the growth portfolio. But that's a pipe dream 😬

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DerDanner@Therapeut

20H

@ShrimpTheGimp Yes, I had imagined it to be similar.
All world and gold, only gold was a bit too hot for me.
However, I still appreciate the tax advantage (1 year holding period)

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Epi@Epi

15H

From 2026, you won't have much time for shares. You can probably guess how I would do it then:
50% B&H DividendenWeltETF (focus: distribution)
50% 1xGTAA (focus: growth).

This strategy combination should cover everything - except single stock gambles. 😅

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DerDanner@Therapeut

14H

@Epi thanks for your input, will probably go for the FTSE All-World dist., I lack the expertise for GTAA😂

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Antonius@Antonius1

14H

keep it simple.
i focus on broad-based distributing etf that are saved monthly and the distributions are reinvested in the same etf (e.g. automatically via the broker).
do the whole thing for 20, 30, 40 years until retirement and that's it.

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DerDanner@Therapeut

14H

@Antonius1 FTSE Allworld dist, for example?
Yes, it makes sense, then you also get something from the distributions and all the saving

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Antonius@Antonius1

13H

yes exactly, in my opinion the $VWRL is a strong "all-rounder" and can be supplemented as a core with any investments. the regular distributions can also be motivating.

personally, i have opted for a core from $VWRL $HMWO $GGRP in equal parts. my decision is based on personal preferences.

(long-term goal (pension):
monthly cash flow, which should also be combined with rental income at a later date)

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ThemenmitKopf@topicswithhead

11H

Unless there are tax advantages, there is hardly any reason to separate the securities accounts. My wealth accumulation is also always retirement provision somewhere, even if you don't plan it so directly The assets just offer you protection against random costs, e.g. by taking out a collateralized loan or co. I would simply add an ETF to the portfolio if it's about security, even if your shares are pretty safe heavens

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ThemenmitKopf@topicswithhead

11H

@topicswithhead I'm only against Vanguard, but it's more personal. Why don't you take the Invesco or an ACWI?

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ThemenmitKopf@topicswithhead

11H

@topicswithhead and dividends are of secondary importance, as you can also partially sell the acc and thus get better compound interest.

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DerDanner@Therapeut

10H

@topicswithhead what do you have against Vanguard

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DerDanner@Therapeut

10H

@topicswithhead thank you for your answer, yes I think that sounds simple

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ThemenmitKopf@topicswithhead

10H

@Therapeut nothing. I don't know what everyone thinks of them, but I don't see the reason to go into a private asset manager. It's different in the USA, but in Europe they are a normal asset manager. In that sense I always think: "I invest in the stock market to earn from the stock market" so I can also choose a listed asset manager. My FSTE is London stock exchange & MSCI is MSCI, Xtracker is DWS, iShares is BlackRock, Invesco, Amundi and co. If my asset volume increases, they also earn more, which is good for the shares and ultimately also for my ETF.

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Homer@Simpson

10H

Money is money, I wouldn't separate it just for retirement. You will probably earn more money through self-employment than through stock picking, although I think your individual stocks are great and I would leave them as they are.

Although I'm not self-employed, I would probably continue to invest only in individual shares 😁

Otherwise, the alternative of collecting fat money as your own boss and investing everything in world ETFs is a good idea 😊👍

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DerDanner@Therapeut

10H

@Simpson Thank you for your comment,
Yes, I also think that growth will come from income.

Yes, I'll let the shares continue to run and will certainly add one or two more at good prices.

I think the AllWorld would be a relaxed and efficient idea, as you say.

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Marco@DEGIMA

26Min

I started my own business this year. Pay myself a fixed amount from the company and keep it separate. Spdr acwi imi some btc and gold for retirement. All savings plans. The same amount that goes into them also goes into my individual share portfolio, which mainly consists of dividend stocks. It was important for me to separate it from a psychological point of view.
Good luck with your self-employment🙌

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DerDanner@Therapeut

20Min

@DEGIMA Thank you very much, I will handle it in a similar way 👍 good luck for the future

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Marco@DEGIMA

5Min

@Therapeut Thank you! In the end, it's important to think about it and you're on it early 😉 I also considered switching the single share portfolio to dividend etfs but decided against it. The middle way for me was to keep 2 dividend etfs in the savings plan in the single share portfolio and I feel comfortable with that.

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