$1308 (-13,28 %)

I only have a very superficial knowledge of the company, but it is very interesting. It is the largest position in the $ISPA (-2,49 %) . It pays a dividend of around 8% and is apparently very volatile. What would you say is this a stock where you don't have too much risk or do you see any 🚩

Hello dear community,

Recently my portfolio and its logic was presented in an article by Business Insider and analyzed by Konrad Kleinfeld from SPDR. There was some exciting feedback, but of course I would also like to activate your swarm intelligence and get your feedback 🙂

First of all: Although I am pursuing a core-satellite strategy, the "satellite" does not aim to outperform, but is simply for fun and offers room for investments that do not fit into the logic of the core. The satellite consists largely of ETFs (e.g. in commodities, real estate, private equity, REITs, etc.), but only accounts for <10% of the overall portfolio and is not included here.

My goal is broad diversification that goes beyond a pure market capitalization-based index as well as long-term returns.

In doing so, I rely on a rule-based approach and diversify along factors based on the selection criteria of the indices. As I deliberately do not want to make any sector or regional bets in the "core", but instead focus purely on the selection criteria of the indices, the relatively significant dividend block serves to reduce the US lump, as high-dividend companies are more frequently found in Europe.

Since the portfolio is quite granular, the portfolio overview function would be very confusing, so I hope it is easy to understand in text form:

1. MSCI World Block (40%):

$SPPW (-2,45 %) MSCI World (10%)

$XDEM (-3,92 %) MSCI World Momentum (10%)

$XDEQ (-3,23 %) MSCI World Quality (10%)

$XDEV (-3,12 %) MSCI World Value (5%)

$WSML (-4,3 %) MSCI World Small Cap (5%)

Momentum, Quality and Size in the sense of the "normal", market-capitalized MSCI World are weighted slightly higher, as they have historically performed better and should logically perform better in a long-term positive market environment.

2. emerging markets block (20%):

$SPYM (-0,19 %) MSCI Emerging Markets (6.67%)

$SPYX (+0,21 %) MSCI Emerging Markets Small Cap (6.67%)

$5MVL (-0,39 %) MSCI Emerging Markets Value (6.67%)

⚠ There are currently no ETFs on the MSCI EM Quality and MSCI EM Momentum indices that are available in UCITS form and tradable in Europe. Therefore, the logic of the EM block does not yet exactly reflect the structure of the World block. As soon as these ETFs are available, the block will be adjusted accordingly. Consequently, the "normal" MSCI EM as well as the value factor and small caps are currently equally weighted here.

3rd Dividend block (30%):

$VHYL (-2,33 %) FTSE All-World High Dividend Yield (5%)

$TDIV (-1,51 %) Developed Markets Dividend Leaders (10%)

$ISPA (-2,49 %) Global Select Dividend 100 (10%)

$ZPRG (-1,55 %) S&P Global Dividend Aristocrats (5%)

As mentioned, this block serves 1) to reduce the US lump, is also distributing and thus provides cash flow, which 2) is used for rebalancing at the end of the year (so I don't have to spend any additional capital on this, which has a psychological effect for me) and 3) the monthly distributions motivate me to continue investing intensively. In addition, 4) the tax-free allowance is utilized without having to actively sell shares in the other "blocks". The top 10 holdings of the individual ETFs differ greatly here despite the common denominator of "high yield". However, the financial sector is a large lump. The weighting here is derived from the high yield and diversification in the sense of complementing the other "blocks" (i.e. little tech and little US).

4. hedge bonds (10%):

$IBCI (+0,23 %) Euro Inflation Linked Government Bond (10%)

My equity allocation is (roughly) based on the rule "120 minus age", so 10% is currently left for bonds. The purpose of a bond block in the portfolio is stabilization and further diversification. With shares, I give a company capital, i.e. I become a stakeholder in the company. Corporate bonds have the same logic, because here I am also giving capital to companies. That's why I opted for government bonds in the eurozone. TIPS have performed comparatively well here in the past and the logic of inflation-linked interest rates also appeals to me.

📈 Additional considerations:

1. i deliberately do without the "Low / Min Volatility" factor, as i assume a rising market in the long term and would like to participate more in the positive phases instead of reducing the vola.

2) I don't see overlaps between ETFs as a problem, but rather as a deliberate overweighting of companies that fulfill several criteria at the same time. Of course, many companies currently overlap in the classic MSCI World and the Quality and Momentum variants. However, the selection criteria are different and as soon as a company no longer meets the quality criteria, for example, it automatically drops out of the index and the weighting is reduced without me having to actively do anything about it.

3) I have actively decided not to invest in a multi-factor ETF because I want to have transparent control over the allocation of the individual factors and many of the factor ETFs available combine the selection criteria underlying the individual factors in such a way that the corresponding product would have performed well in the past, which of course represents a hindsight bias and does not necessarily correlate with future performance.

💡 To those of you who have read this far:

First of all, thank you for your time! The portfolio is intended to dynamically reflect a section of the market that could develop positively in a diversified manner based on the different selection criteria of the indices, without taking bets on specific sectors or regions. What do you think of the allocation and the strategy? Do you see any room for improvement or things you would do differently?

Thanks for reading, showing interest and thinking along. 😊

#etfs
#portfolio
#portfoliocheck

Moin,

I need a few tips and suggestions for my portfolio.

Current savings plans as of 01.02.25 $IWDA (-2,46 %) , $QYLE (-5,38 %) , $IUIT (-6,05 %) , $ISPA (-2,49 %) , $XNAS (-2,05 %) , $XMME (-0,22 %) .

Every month, €800 goes into the savings plans.

300€ $IWDA (-2,46 %)

150€ $QYLE (-5,38 %)

100€ $IUIT (-6,05 %)

100€ $ISPA (-2,49 %)

100€ $XNAS (-2,05 %)

50€ $XMME (-0,22 %)

Target weighting:

70- 80 % Etf

20-30 % crypto

Here is my small portfolio again.

I haven't changed everything yet, but I've already started.

$ISPA (-2,49 %) will be liquidated on the 16th and invested in $VWRL (-3,34 %) invested.

$MSCI (-6,18 %) was a gift via TR, but I will also sell it.

The $SPPW (-2,45 %) I'm saving something for my niece.

So that I can give her a nice handout in 13 years' time.

The savings rate will be increased every year.

$VOW (-2,21 %) I've slipped up with the saveback conversion.

And $BVB (+0,92 %) I only wanted one share because it's my club.

$QYLE (-5,38 %) and $SDIP (-3,26 %) are a small addition.

If you have any suggestions for changes, please let me know

Dear Community,

I need your opinion on my portfolio again.

I am trying to build a core-satellite portfolio - consisting of dividend stocks and aristocrats.

I invest €400 per month in the $VWRL (-3,34 %) and since November 2024, 200€ in the $ISPA (-2,49 %) (knowing that a lot of positions overlap but to push my dividend yield).

I also invest all money gifts (birthday, Christmas etc) in gold & silver.

I also have an investment plan with Ageeon where I have already achieved my ROI and paid out the money. From this I now receive 0.000358 $BTC (-5,15 %) which is partly paid out and partly reinvested. (Yes, risky but as they say - I already have my investment back in the cold wallet).

Just like $ADA (-8,36 %) in which I see a lot of potential. This is saved using "Mining Rewards" (Arkreen, Dimo, Helium). (approx. 10€ per week)

The building savings contract was a gift from my parents in my name, but is financed by them with €100 per month. (They did not want to support an ETF)

Now I would like to hear your honest opinion on my portfolio.

Aja - I am employed and self-employed, and rent out a property (the original plan was to invest the rental income in $O (-2,03 %) but for personal reasons I had to take out a loan which will be repaid with the rental income.

Lg and thanks

Hello everyone,

I'm from Spain and I'm following a dividend investment strategy as I want to take advantage of the relatively low tax burden of only 19% on dividends in Spain. My portfolio is a combination of ETFs and individual stocks, trying to find a balance between growth and high dividends, as well as between developed and emerging markets.

First, an overview of my ETFs, which I can divide into two categories:

• Emerging Markets:
• $IEEM (-0,18 %)
  iShares MSCI EM ETF: Growth-oriented (Growth)
• $HDEM (+1,22 %) Invesco FTSE EM High Dividend Low Volatility ETF: High dividend yield (High Yield)

• Developed Markets:
• $ISPA (-2,49 %)
  iShares STOXX Global Select Dividend 100: High dividend yield (High Yield)
• $GGRP (-3,91 %)
  WisdomTree Global Quality Div Growth: Growth-oriented (Growth)

These ETFs cover different regions and strategies: some focus on dividend growth, while others target high dividend yields. I also have positions in both emerging and developed markets.

My individual stocks:

• $O (-2,03 %)
  Realty Income because it is the typical dividend stock that almost everyone has and it is known for stable monthly distributions.
• $EOG (-8,31 %)
  Resources I like because of its strong ability to grow dividends and solid growth potential in the energy sector.
• $CB (-0,72 %)
  Chubb Limited I have included in my portfolio because Warren Buffet has invested in them. They also offer good dividend growth and have strong upside potential.

I would be very interested to hear your thoughts: Do you think this strategy has potential for success in the long term? Are there areas where I might need to diversify or consider a different approach?

Thanks in advance for your opinions!

This text was created with the help of artificial intelligence, as I am not a native speaker of German.

Moving on, soon it will be a whole share

Question in the round I am still looking for a dividend ETF that pays out in November and then quarterly🐵💵

Saving up: Gold + All-World ETF

Hello dear community,

I have a question for you on the subject of long-term saving and gold:

I have 6 savings plans with dividend ETFs running, always two per payout interval with growth ETF and high payout combined. In addition to the DIV ETFs, I also have REITS and BDCs for dividends, which I would also like to expand further. Of course there are overlaps!

I feel comfortable with this and would like to continue saving in this way:

DIVIDEND ETFs | January, April, July, October

$ISPA (-2,49 %) + $EXX5 (-1,81 %)

DIVIDEND ETFs | February, May, August, November

$FUSD (-1,66 %) + $IMEU (-1,58 %)

DIVIDEND ETFs | March, June, September, December

$TDIV (-1,51 %) + $VUSA (-3,03 %)

Now the question arises for me: how can I diversify even further or save in an accumulating manner?

The following would be considered

$EWG2 (-2,51 %) and then also sell tax-free after a holding period of at least 1 year if the trend is positive and generally $FWRG (-3,54 %) save bluntly and leave it. Possibly also $BTC (-5,15 %) via Bitpanda or similar (not via Neobroker)

What is your opinion on saving the Invesco All-World and gold in addition to the dividend ETFs, as compensation when there are general price slides?