Hello everyone,

I wanted to introduce my current depot...I'm 34 years old, married and earn my living as a train driver.

I myself only started actively investing at the beginning of 2024before that I had little to no basic knowledge - so to be honest I'm pretty naive started. 😅

In the meantime, I've gone deeper, read a lot, analyzed, improved - and built up a long-term plan.

🔍 My goal:

A robust, stable portfolio with a focus on:

• long-term wealth accumulation
• regular passive income through dividends
• a small admixture for future themes (Bitcoin)

This is what my portfolio currently looks like:

🧱 ETF as a foundation

• iShares Core MSCI World (ACC) - 100 €/month

➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.

🏢 REITs & real estate dividends - for monthly cash flow

• $O (+0,21 %)
  Realty Income - 50 €/month
• $STAG (+1,29 %)
  STAG Industrial - 25 €/month
• $VICI (-0,8 %)
  VICI Properties - 50 €/month

➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.

💸 Dividend stocks (consumer goods & energy)

• $MBG (-0,35 %) Mercedes Benz Group - 50 €/month
• $PEP (-0,48 %)
  PepsiCo - 50 €/month
• $KO (+0,23 %)
  Coca-Cola - 50€/month
• $CVX (+1,03 %)
  Chevron (new) - 50 €/month
• Invesco EURO STOXX High Dividend Low Volatility UCITS ETF Dist - €100/month

➡️ I want to build up a reliable long-term dividend cushion here - defensive brands such as KO/PEP have "peaceful sleep quality" for me.

₿ $BTC (+0,08 %)
Bitcoin

• Savings plan: €50/month

➡️ This is my "future addition" - deliberately kept small, but built up regularly.

💰 Liquidity

• Overnight money account reduced to ~€5,000 (nest egg)
• Previously a car purchase (€28,000) was made

📆 My strategy:

• Follow through with savings plans consistently
• Reinvest dividends
• No more panic selling, just learn & observe

💭 Conclusion:

I know I didn't start not started with perfect conditionsbut I try to learn from mistakes and build solidly in the long term.

My portfolio is still being built up, but it already feels quite coherent: broad-based, cash flow-oriented and with a view to the future.

#crypto
#etfs
#dividends
#portfoliofeedback #newbie

As already indicated in another thread, I have today parted with my position $VICI (-0,8 %) today. It did what it was supposed to do, move sideways and pay a reliable dividend on a regular basis. The latter was relativized by the weak dollar and I really didn't feel it was enough. Today I took the opportunity to get out with at least a small price gain; together with the total dividends, everything is fine. I see little potential here in the near future, even if interest rates fall. In my view, this could even have a negative impact. After all, high interest rates are the last argument for being invested in the dollar at the moment. As a result, there is even the threat of a further decline against the euro, which in turn will have an impact on dividends and will also limit growth potential. And the free money will not be invested for the time being and will be deposited in the BBVA account, where it will earn a gross interest rate of 3.25% p.a.

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (+0,03 %) Call money ETF. Div. 1.9%

15% $TDIV (-1,12 %) VanEck Divi Leaders. Div 3.5%

10% $TRET (-0,23 %) Global Real Estate. Div. 3.7%

7,5% $VHYL (-0,65 %) Allworld High Div Yi. Div 3.1%

7,5% $PEH (-0,42 %) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+1,36 %) Gold

5% $SEDY (-0,04 %) iShares EM Dividend. Div 8.0%

5% $JEGP (-0,34 %) JPM Global Equity Inc Div 7.1%

5% $EEI (-0,51 %) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (-0,15 %) High Yield Bond. Div 6.1%

5% $EXXW (-0,08 %) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (+0,03 %) Overnight ETF. Div 1.9%

12% $EQQQ (-0,24 %) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+1,36 %) Gold

2% $O (+0,21 %) Realty Income 6.0%

2% $VICI (-0,8 %) Vici Properties 5.6%

2% $OHI (+3,89 %) Omega Healthcare 7.2%

2% $PLD (-0,06 %) Prologis 4.1%

2% $ALV (-0,92 %) Allianz 4.35%

2% $HNR1 (-0,38 %) Hannover Re 3.4%

2% $D05 (+0,8 %) DBS Group 5.5%

2% $ARCC (+0,36 %) Ares Capital 9.3

2% $6301 (+0,5 %) Komatsu. 4,2%

2% $1 (-0,49 %) CK Hutchison 4.6%

2% $AENA (+0,19 %) AENA. 4,2%

2% $LOG (-0,14 %) Logista 7.3%

1,5% $AIR (-0,76 %) Airbus 1.8%

1,5% $DHL (-2,19 %) DHL Group 4.8%

1,5% $8001 (-0,3 %) Itochu 2.8%

2% $RIO (+1,42 %) RioTinto plc 6.4%

2% $LIN (-0,05 %) Linde 1.3%

2% $ADN (-0,89 %) Acadian Timber 6.7%

3,5% $BATS (+0,58 %) BAT 7.0%

2% $KO (+0,23 %) Coca Cola 2.9

2% $HEN (-1,7 %) Henkel 3.0%

2% $KVUE (+2,14 %) Kenvue 4.1%

2% $ITX (-1,34 %) Inditex 3.6%

2% $MCD (+0,51 %) McDonalds 2.6%

2% $690D (+0,18 %) Haier Smart Home 5.6

3,5% $IBE (-0,27 %) Iberdrola. 4,1%

1,5% $AWK (-0,18 %) American Water Works 4.4%

1,5% $SHEL (+0,23 %) Shell 4.1%

1,5% $ENB (+0,32 %) Enbridge 6.5%

2% $DTE (+0,07 %) Deutsche Telekom 2.8%

2% $VZ (-0,85 %) Verizon 6.8%

2% $GSK (-2 %) GlaxoSmithKline 4.2

2% $AMGN (-1,56 %) Amgen 3.5%

2% $JNJ (-0,45 %) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

Realty Income ($O (+0,21 %) ) raises its dividend for the 131st time

The monthly dividend will be raised from $0.2685 to $0.2690. The payout will start in July. Realty Income thus remains true to its reputation as "The Monthly Dividend Company".

$O (+0,21 %) Realty Income is an integral part of my portfolio and I plan to increase the position significantly in the future. The combination of stability, monthly payouts and a proven business model has convinced me in the long term.

What about you?

Do you have Realt Income in your portfolio or do you invest in other REITs? (Example. $VICI (-0,8 %) ?)

...remember exactly when I took this beautiful and motivating screenshot of my portfolio on May 31, 2024.

At that time, I had been investing in equities for exactly 12 months and, after the first 1-2 months of dreaming big about penny stocks 🫣 and after some training, I had defined my new personal strategy and goals, but more importantly, I had also consistently implemented them since then.

I then reached the first milestone I had set myself with a portfolio value of €10,000 on time in 08/2024 and also the second milestone, dividend >= €500, on time at the end of 2024.

Since then, my new chosen milestones 3 and 4 have been: portfolio value €20,000 by 08/2025 and dividends >= €1000 by 12/2025.

Since Friday, milestone 3 has even been reached almost 2 months earlier than planned...

...and milestone 4 is also in sight early on with ~€500 in dividends received so far and ~€1000 still to be expected and is probably only a matter of time 🤗

If the question now arises that these are only gross dividends, I would like to point out that of €136.35 in May dividends, €125.90 remained net and that's how it actually looks in relation to each dividend month.

I generally have very little withholding tax to pay and the two ETFs also have a 30% tax exemption, so the €1000 FSA becomes a little more net of gross in percentage terms. In addition, with $VICI (-0,8 %) I currently only have one pure US share in my portfolio and the remaining US share is in the two ETFs.

Another target for dividends, i.e. milestone 6, is >= €2000 for 2026, so the FSA would also be fully utilized after the marriage and not a single cent would be given away 😉

Even if May turned out a little poorer...

...new additions:

$1211 (+0,29 %)

$3750 (-0,36 %)

Stocked up:

$HAUTO (+0,99 %)

Liquidated:

$QYLE (+0,1 %)

...everything is on target for the long term...

...even if we are only looking at a boring dividend and not a highflyer portfolio, it has been beating since the beginning (well 2 months of penny stocks deducted) for 2 years and I am quite satisfied with my performance since my strategy change 08/2023...

And so I will continue to stick to my current strategy and expand it within the scope of my possibilities.

The attentive reader will certainly have noticed that milestone 5 is still missing, but unlike 6, I won't set it until the end of the year and my target plan until then would be 25k+ and then we'll see...

...in the meantime, the last IHK exam (tax law) on the way to becoming a financial accountant is also coming up and who knows, maybe I can then increase my monthly savings rate of €550-700 a little more 🤷‍♂️

Anyway, until the next water level report, I wish us all a good hand on the path of at least 6 figures and stay true to your resolutions ✌🏻

Hello everyone,

For some time now I have been wavering a bit about my dividend portfolio, whether I should use the 6 ETF savings plans (always staggered distributions for monthly cash flow) are not too complicated. About me: I'm in my mid-thirties and the aim is to build up more and more net monthly salaries through dividends over time. I enjoy looking at my bar charts in Portfolio Performance over the years and seeing how they get bigger and bigger every year compared to the previous year. For this year, I expect to earn around €3,700 in dividends with my current portfolio.

----- ----- -----

The Morningstar X-Ray already shows a lot of stock overlaps. The aim was always to combine 2 ETFs per interval with 1 each with high distributions + and 1 each with growth and to have good diversification:

January, April, July, October

$ISPA (-0,59 %) + $EXX5 (-0,55 %)

February, May, August, November

$FGEQ (-0,62 %) + $IMEU (-1,09 %)

March, June, September, December

$TDIV (-1,12 %) + $VHYL (-0,65 %)

+ $O (+0,21 %) + $MAIN (+1,4 %) + $ARCC (+0,36 %) + $VICI (-0,8 %) + $HTGC (+0,44 %) + $BATS (+0,58 %)

----- ----- -----

The ETFs have a value of approx. 15,500€ per interval, the REITs + BDCs below together approx. 31,000€. I would also like to invest in savings plans with dividend growth shares, whereby I want to proceed according to certain criteria: https://aktienkoenig.de/starke-dividendenaktien-mit-dem-dividenden-check-finden/#elementor-toc__heading-anchor-3

Would you simplify the dividend ETFs and reduce them from 6 to 3 or replace them if necessary, because that is overdiversified anyway, or should I rather "shut down" some of them and continue to save only 3 of them increased? I am basically undecided at the moment as to whether I should focus on higher dividend payouts or rather higher dividend growth. At the moment, I think it's all mixed up.

VICI Properties $VICI (-0,8 %) reported adjusted operating earnings (AFFO) per share of 58 cents for the first quarter (56 cents Q1 2024).

The results reflect an increase in income compared to the same quarter last year, mainly due to income from sales-type leases and income from lease financing receivables, loans and securities.

However, higher interest expenses in the quarter had a dampening effect. The company raised its forecast for AFFO per share for 2025.

VICI Properties generated total revenue of USD 984.2 million.

Revenue increased by 3.4% year-on-year.

Behind the headlines

In the quarter under review, VICI Properties' revenue from sales-type leases amounted to USD 528.6 million, an increase of 3.1 % on the same quarter of the previous year.

Income from lease financing receivables, loans and securities amounted to USD 426.5 million, an increase of 4.2 % on the previous year.

19.5 million US dollars in the first quarter represents an increase of 1% compared to the same quarter of the previous year.

However, income from golf fell by 4.8% to USD 9.6 million.

VICI Properties' quarterly interest expenses rose by 2.1% year-on-year to USD 209.3 million.

In February 2025, the company announced the commencement of a strategic relationship with Cain International and Eldridge Industries through an investment of USD 300 million in the form of a mezzanine loan in connection with the One Beverly Hills development project.

Balance sheet item:

VICI Properties ended the first quarter with cash and cash equivalents of $334.3 million, down from $524.6 million as of December 31, 2024.

As of March 31, 2024, VICI Properties' liquidity totaled $3.2 billion, including cash and cash equivalents, $624 million of estimated net proceeds from the forward contracts and approximately $2.3 billion from the revolving credit facility. This includes cash and cash equivalents, estimated net proceeds of $624.6 million available under the forward sale agreements and approximately $2.3 billion available under the revolving credit facility.

2025 had total debt of approximately $17.2 billion as of March 31, compared to $17.1 billion in the prior quarter.

2025 outlook raised:

VICI Properties now expects AFFO per share in the range of $2.33-$2.36, up from previous guidance of $2.32-$2.35.