1Année·

To investors with a dividend strategy,

the rest would not be attracted by the portfolio anyway.

A brief introduction:

I am 42, married and have three kids (6,3,3).

Due to one child's health restrictions, only I am currently working (Head of Sales at a subsidiary of an MDax company).

I have been on the stock market since May 22 and at the beginning I also played popular games such as "buy high, sell low" or "back and forth makes pockets empty".

About the portfolio:

This week my wife received a gift, which I have added to my portfolio:

Of course, entering the gift has affected the performance on the one hand, but also the compilation on the other. But I don't want to complain about the gift.

The general aim is to have a seven-figure portfolio when we retire and not to withdraw any savings. We want to use the dividends to close the gap between retirement and income and then bequeath the portfolio to the boys.

Investments of at least 15k p.a. + 1k increase p.a. + reinvestment of dividends are planned for this.

My question:

Would you just invest in the etfs for now until the dimensions are right again or keep running the savings plans even with the small positions + one or two more buys from the watchlist.

Which share would you not want to have/exchange and why?

*I don't interfere with my wife when it comes to the shares she received as a gift. That's her inheritance/gift. Even if we build up the assets together.

**Of course, I didn't enter the incredibly beautiful original purchase prices. But the prices at the time of the gift.

25 Commentaires

1Année

I think this is quite solid and have many stocks in my portfolio.
Now I would put a savings plan on all positions and increase it with rising dividends. If larger amounts come in, the savings plans will be increased for a while.

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Kai@fcsp

1Année

@AlterMann Thank you.

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T@SchmannTM

1Année

It always makes my heart beat faster when I see people here of a certain age (like mine) who stumbled into it rather late (like me), learned from it (like me) and corrected past investment mistakes (almost like me :-D ) - keep it up and good luck with implementing your strategy. I will gladly follow it. ✌️

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Jupp D.@JuppDupp

1Année

I would then consider a VvG with regard to the inheritance of the custody account in a seven-digit amount. I would be very reluctant to see the state take a lump sum here

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Kai@fcsp

1Année

@JuppDupp I've never heard of it before. Can you tell me more about it or maybe write a post about it? I think it affects a lot of people here on Getquin and they don't know about it.

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Jupp D.@JuppDupp

1Année

@fcsp Look here: https://www.suedimmo-pfalz.de/blog/gmbh-immobilie#:~:text=You%20can%20pay%20a%20tax%20in%20which%20you%20pay%20taxes%20to%20k%C3%B6nnen. Or here: https://www.iww.de/erbbstg/archiv/vermoegensverwaltende-gmbh-erbschaftsteuerliche-vorteile-ausschoepfen-ohne-ertragsteuerliche-mehrbelastungen-f48468. You can get a favorable VvGmbH from Ride Capital, where there are also free initial consultations. Or from a smart tax consultant. With the sums involved, it can be worthwhile

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Jupp D.@JuppDupp

1Année

@fcsp Or here also quite interesting: https://www.rosepartner.de/wertpapier-depot-aktie-erbschaft.html

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Sabine@Kamikazefrau

1Année

I like your portfolio. I'm also trying to build up a dividend portfolio at the moment. But I only have 12 years until I retire and only started 1.5 years ago. My portfolio will go to my daughter later.

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NoobHDTV@NoobHDTV

1Année

I like the portfolio. I would pull up the ETFs and add to the individual positions when good opportunities arise.

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Kai@fcsp

1Année

@NoobHDTV thanks for your feedback and opinion!

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Dividenden O.@Dividenden_Onkel

1Année

It already looks really good, I would look to expand one or two sectors further. You are currently (just like me😂) very strong in consumer staples. Perhaps you could diversify further with commodities, energy or real estate. These are all rather "cheap" sectors at the moment.
Otherwise, just keep it up, especially continue to expand the ETF share. Good luck and all the best 👍🍀

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Dividende > Zinsen@GoDividend

1Année

I like the $UKW position 😜

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Florian@TheBarToelzer

1Année

For your plan, I would clearly focus on steady and reliable dividend growth. I really like $MCD $CSCO $HD and $NKE from your portfolio, for example! As $MSFT has done very well recently, I think it would be worth considering (even if some people will castigate me for this now) taking 2-4% out of it and rebalancing towards even stronger dividend growth. Good stocks in my opinion are here: $AMT $FNF $DHR $TGT (from the equities, financials, pharma and consumer cyclical sectors). I personally like your approach and your portfolio very much!

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Kai@fcsp

1Année

@TheBarToelzer Thank you. I won't be selling the shares I inherited. Unless my wife wants me to. But I will have a look at your stock tips. I still have a few on my watchlist whose price is currently too high for me and I'm hoping for a setback. $CAT, for example.

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aminemeskni@Aminmeskini

1Année

I think you have too many shares for the total. More quality is better than diversity. I have exactly the same situation as you and the same goals. I wish you every success 😚

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Kai@fcsp

1Année

@Aminmeskini thanks for your opinion, even if I don't share it 😉 But of course I wish you every success with it too!

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Maki@Starko90

1Année

Unilever much too high weights the thing brings no return rather more tech

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ole-4063@ole-4063

1Année

@Starko90 of course it brings returns even very stable dividends

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Maki@Starko90

1Année

@ole-4063 juhu really mega the price development of the last 5 years 😅 everyone who is invested here looks stupidly into the tube but the main thing is a few € dividend hahahaha

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ole-4063@ole-4063

1Année

@Starko90 it is a strategy with good companies to build up a cash flow it is stable and crisis-proof this company is made for a dividend strategy. In addition, a good era for consumer staples will begin in the near future as, for example, interest rates are lowered Tech companies are already highly valued I don't think their growth can continue to rise so steeply. Anyone who thinks tech stocks will go on forever is a fool

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Maki@Starko90

1Année

@ole-4063 There is no way around tech in the long term. Basic consumer goods are quite nice, but no money is made there. What you get in dividends per year you get in tech in 1 day 😅 tech doesn't have to go up 100% every year but it will definitely outperform the market.

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ole-4063@ole-4063

1Année

@Starko90 That's what everyone thinks, which is why these extremely high expectations are already priced in if they are now missed, things will go down considerably. I also have a lot of tech in my portfolio was up 3% yesterday, but the approach of achieving safe returns is not a bad one, especially not if you are retired or similar. are

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memok777@memok777

1Année

Great portfolio.🤩👍🏽
I also only started at 33.
May I ask if you save all the sums every month with 50€ each? do you save?
Or weekly?
Lg

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Kai@fcsp

1Année

@memok777,
Thank you.

I save the small positions & the $VWRL and $VHYL with 25€ and 50€ per month respectively. In May comes the annual commission and later the tax. Both are always between 10k€ - 13k€. After the gift, I will invest in the above ETFs to rebalance the portfolio.

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KRAPFEN@investment_pro_334

1Année

Good evening, like you, I think it's right to hold dividend stocks in your portfolio. During a brief review of my portfolio, I also found some of your shares, which I also have. My small disadvantage is that I am not so broadly diversified. But, like you, I only hold dividend stocks.
Best regards from me.

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