With all-time highs currently skyrocketing, I figured I’d share some positive news for a change
Less max yield—more growth
At the end of February, I started a separate portfolio that was originally funded by a home equity loan.
**Starting point:**
* Loan: €17,000
* Interest rate: 2.1%
* Monthly payment: €165
* Term: approx. 10 years
The basic idea is simple:
Build a portfolio that generates enough dividends over the long term to cover its own financing.
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My status today
After just under four months, the portfolio currently looks like this:
💰 Portfolio value: **€20,465**
📈 Performance: **+€1,037 (+5.34%)**
Positions:
$WINC (-0,17 %) : €11,087
$LDGL (+0,02 %) : €4,453
$JEPQ (-0,05 %) : €4,412 (covers the loan interest perfectly)
$VHYL (+0,14 %) : €513
In addition, two savings plans are currently active:
* €250 monthly in WINC
* €250 monthly in VHYL
All dividends are reinvested.
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## What has changed
The original portfolio consisted of:
* WINC
* JEPQ
* JEGP
After a few months, I sold the entire JEGP position and replaced it with the L&G Global Quality Dividends ETF.
Not because I think JEGP is a bad ETF.
On the contrary.
JEGP does exactly what it’s supposed to: deliver high ongoing dividends. But as many of us have noticed, unlike its counterpart on the Nasdaq, its price isn’t recovering at all.
However, it became clear to me relatively quickly that my goal isn’t to maximize dividends in the current year.
My goal is a portfolio that will still be growing in 10, 15, or 20 years, generating rising dividends.
That is why the portfolio today deliberately consists of a mix of:
* Cash Flow (JEPQ) to cover interest expenses
* High Income (WINC) to cover principal payments
* Quality dividends (LDGL) to build wealth
* Global dividend growth (VHYL) to build wealth
The actual idea behind the project
The original €17,000 forms the foundation for me.
This foundation is expanded month after month through:
* Savings plans
* Special payments
* Reinvested dividends
I do not measure success by a specific portfolio size.
The decisive milestone is:
➡️ €165 in net dividends per month.
Once the portfolio consistently generates this amount on its own, it will cover its own loan payments.
From that point on, it will be exciting to see how the system evolves under its own steam.
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I’d be interested to know:
If your goal were not the maximum dividend today, but a long-term sustainable cash flow portfolio:
Would you have kept JEGP or also made the move toward quality dividends and dividend growth?
