I like the ETF and it really seems to be an option for old age, but through $HTGC (+0,51 %)
$OBDC (-0,65 %) and $PSA (+0,95 %) I already have enough cash flow in my portfolio.

Will be reallocated to the div growth category

$ASML (-1,02 %) is out, as I want to focus more on stocks with a healthy trend in the growth part of my portfolio. See the weekly chart.

At the moment I am running a 75/25 strategy with which I feel most comfortable, 15K divided as follows:

Growth 75%: $AVGO (+0,55 %)
$COST (+3,24 %)
$7011 (+1,02 %)
$MUV2 (+1,13 %)
$GOOG (-0,11 %)
$MUX (+0,98 %) (mutares is under observation by me) $2768 (+0,93 %)

Dividend 25%: $OBDC (-0,65 %)
$HTGC (+0,51 %)
$PSA (+0,95 %)
$JEGP (+0,33 %)

Dear community,

I have been a member of getquin for almost 2 months now and I am thrilled with how lively the discussions and contributions are. Thanks to everyone who takes the time to research certain topics and share their knowledge.

I would like to take the opportunity to briefly introduce my portfolio and share my thoughts for 2025.

I have been managing my own investments for 10 years now. I started with ETFs and got into cryptos in 2017 (and got out again after the FTX bankruptcy and the Terra Luna crash). And for a few years now I've also been trading shares and now also real assets (I'm currently testing Timeless). Over the years, I have been able to expand my portfolio.

Due to my family responsibilities, my monthly fixed savings rate is currently €500. I also park monthly surpluses in my call money account and invest them when I see an opportunity. I need a certain amount of cash as we are still renovating and therefore simply need some cash...

My goal is to have at least €500,000 in 10 years so that I can pay off the existing loans on our house. So I would need to generate an annual return of 15%...

Over time, I've built up quite a mix of shares. My credo so far has been not to invest more than €1000 per share (although there have been exceptions) and a stop-loss at 20% below the purchase price. I haven't decided when the best time to sell is and I still don't know which strategy is best for me. I would therefore describe myself more as a hodler...

Now to my plans for 2025.

- I will change the fixed value per share of €1000 and increase it to €5000.

- The stop loss remains in place.

- Keep savings rates at €500 for the time being.

- Reduce the number of shares

- Focus on growth

What could a savings plan look like that I would continue for the next few years?

One point that bothers me is the high proportion of US equities in the global ETFs (cluster risk) - even though this is where most returns have been made historically...

Hence my consideration:

- Save in an ETF with a lower or no USA share (I currently have the following in my portfolio $GERD (+0,04 %) where the USA share is only 50% - unfortunately quite expensive with TER 0.5%; or a new start with a $EXUS (+0,36 %) ) (share: 40%)

- Saving $MEUD (+0,28 %) (20 %), $FLXI (-0,43 %) (20%), $WSML (-0,07 %) (20%)

- S&P500 or MSCI USA via the 2xSPYTIPS of @Epi (via single payments)

- In addition $BTC (-0,63 %) Savings plan of 40€ / week from existing USDC holdings (LTC sales from December) Note: Crypto portfolio cannot be fully mapped in Getquin as the EARN Binance Wallet is not displayed.

What do you think? Does that make sense?

As a next step, am I considering divesting from stocks?

From $OBDC (-0,65 %) I would probably divest myself, possibly also $CSCO (+0,23 %) . Can you think of any other shares or ETFs that would make sense to sell due to low growth prospects? I would then invest the free money in 3xGtaaa and shares like $ASML (-1,02 %) , $NVDA (-2,46 %) ...

Overall, I'm still not sure whether my strategy is quite right. Do you have any ideas, suggestions or comments? I would be grateful for any advice.

Thank you and best regards

Hercules has been going great, now I'm taking ⅓ of the position out for the time being in order to $OBDC (-0,65 %) & $PSA (+0,95 %) to the same size as $HTGC (+0,51 %) build up.

My dividends from $OBDC (-0,65 %) do not match between the information on the bar and the details at the bottom. The €5.06 is missing.

I assume this is just a small bug. My profile is public if anyone wants to take a closer look

High Yield Income Portfolio

Disclaimer: I know that this is not an optimal strategy (I also have a real portfolio). I also know that very few people are interested in this type of portfolio, so feel free to skip the post, you won't miss anything.

I started building this HY Income portfolio about three months ago.

The first position was $QYLE (-0,95 %) and now I've gradually added more stocks.

$QYLE (-0,95 %) is pretty much the classic when it comes to covered call ETFs and is in my opinion a must have for every portfolio of this type.

$ACRE (-0,49 %) I have great confidence in the management of Ares and the company is one of the few MREITs that I trust with my money. ACRE's portfolio is currently being restructured to be more defensive.

$GAIN (-0,09 %) Solid monthly dividend payer with some growth. The management seems pretty solid to me.

$OBDC (-0,65 %) Since the company has changed its strategy a bit and is now investing more in equity to increase NAV, it is my favorite BDC.

$STHE (-0,04 %) PIMCO specializes in high yield funds, in my opinion it is especially important in the high field area that you trust the management, which is why I chose this product.

$DIV (+0,64 %) I like the portfolio of royalties and it offers further opportunities for diversification.

$JEGP (+0,33 %) I really like the JP Morgan Covered Call ETF strategy, but will possibly exchange it for $JEPI as soon as it is tradable at TR.

$RITM (-0,23 %) I like the vision of the CEO and the dividend is double covered.

$SEDY (-1,06 %) was recommended to me by a friend.

QYLE is now being saved less, the focus is on the other stocks.

What are your favorite high yield stocks?

Greetings to all,

I started investing a good year ago. Never really been on the dividend track until now. Wanted to ask which dividend stocks or ETF's you can recommend such as $O (+0,67 %)
$VICI (+0,18 %)
$OBDC (-0,65 %)
$MAIN (+1,18 %) or SP500 dividend aristrocrats and etc.

Thanks in advance for the feedback and have a nice day

The remaining cash was used and the position in $OBDC (-0,65 %) further expanded.

In addition to $HTGC (+0,51 %) and $JEGP (+0,33 %) my mainstay for cash flow.

Something else #beerchallenge from the really beautiful Vilnius.