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Can understand the idea in principle. The opportunity costs you incur are unfortunate. For example, €10 per month on $MSFT would have a more positive impact on your performance than if you invested in $PBB (especially as you only make losses here apart from the occasional dividend).
In other words, while your €2 per month in the Pfandbriefbank is always losing value, the winners are running away from you.
In addition, you still have enough investment horizon to bet on dividend growth. Would reduce the proportion of high dividend stocks. Maybe something like Blackrock or Sherwin Williams is something for you.
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@JonathanPeachum Thanks for your input!
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