I am currently considering whether it makes sense to switch from $VHYL (+0,03 %) to the $TDIV (+0,44 %) to switch?

Regarding the high US share in the $IWDA (+0 %) I already have $EXSA (+0,41 %) which also helps me to use the tax-free amount.

Henlo my qunnies and a healthy new year.

I would like to add a dividend ETF to my portfolio next month and am currently wavering between $VHYL (+0,03 %) and $ISPA (+0,07 %) As I am saving the Kommer ETF myself, would the Vanguard surely be a better fit from a logical point of view? (Dividend ETF as psychological support :D) My custody account is with ING, so unfortunately the VanEck is out.

Am now in the $TDIV (+0,44 %) with the sum of the Vanguard! I now have 3 ETFs, each with a €500 savings plan per month!

$VHYL (+0,03 %)

$TDIV (+0,44 %)

$VWCE (-0,07 %)

So half of my $VHYL (+0,03 %) sold!

Today I topped up my portfolio 2.0 with a new ETF. Who has this $VHYL (+0,03 %) in your portfolio?

I have now also managed to update my good old tables and complete the year 2025. Small depot turbo at the end of the year and the first week 26 was already great again.

I would say that everything is still going in the right direction. What is striking is that dividends now make up a really big slice of the cake. My US dividends have overtaken the CHF dividends. In a total of 26 years on the stock market, around €100k gross has been added in dividends alone 🤓

I already stopped my savings plan at the end of 25 $SPY (+0,07 %) and for the time being am only saving in selected US individual stocks and the $VHYL (+0,03 %) . Currently running

$V (+0,46 %)
$UPS (-1,3 %)
$EIX (+1,2 %)
$AXP (+2,34 %)
$CMCSA (-2,17 %)

in savings plans. Individual purchases depending on the situation, currently e.g.

$KHC (-2,49 %)
$GIS (-2,19 %)
$PG (-0,19 %)
$MO (+0,62 %)
$VZ (-1,15 %)

New in the Swiss portfolio is $BCHN (-0,57 %)
$VZN (-0,91 %) and $SIKA (-1,04 %) in it. $NESN (-0,6 %) I will probably buy more in the short term.

The euro portfolio currently remains as it is, the euros are invested in ETFs.

$XD5E (+0,15 %)
$VAPX (+0,08 %)
$VFEM (-0,52 %)

I will try to increase my cash holdings again. The target for 26 has also been set, to increase total assets to 820Tsd. That would be another +16%, which is exactly my average for the last 21 years.

So here's to another one, keep going!

Hi everyone,

Do any of you have ETFs from Vanguard and have noticed that the distributions have been postponed again? My $VWRL (+0,02 %) , $VHYL (+0,03 %) and $VUSA (-0,06 %) Distributions again came in the new month and not at the end of the old month. Also not on 2.1.26, so one could assume that there was a delay in clearing. But only tonight at Scalable and I'm still waiting for it at Consors.

How is it with you?

VG

Hello everyone,

I have been following this forum for some time now and have decided to present my experiments and current strategies.

On the one hand, because I want to avoid losing track of things, and on the other hand, to prepare my thoughts for myself and also to get other perspectives and opinions.

Briefly about myself

I am 22 years old and graduated last year with a Bachelor of Engineering in Energy Technology.

I am currently working in a medium-sized company in the energy industry in Germany.

I have been rather frugal with money since I was a child. As I got older, my interest in increasing money wisely grew.

I was also lucky that my uncle opened a junior custody account for me when I was born. As a result, at the age of 18 I already had a small starting portfolio worth around 3,000 euros.

At the beginning, I focused intensively on precious metals and also invested in them. I don't plan to touch these holdings in the long term. If I don't need them, I see them more as a legacy for the next generation. I will buy more from time to time.

Basic start

As a first step, and I am aware that this will be assessed differently, I have taken out a unit-linked pension plan with the savings bank, which I save 150 euros per month.

I also took out a building society savings plan, as I basically want to buy my own home in the long term. I am currently renting.

The building society saver is also 150 euros per month per month.

At the same time, I have been working with neobrokers, from which my current portfolio has gradually developed.

Yes, there are still quite a few stocks in it at the moment. I will probably clean that up in the long term.

1st approach, accumulating ETFs

My first approach was to invest in classic accumulating ETFs.

• World, $XDWD (-0,01 %)
• Emerging markets, $EIMI (-0,7 %)
• AI and big data, $XAIX (-0,3 %)

Smaller side bets were added later.

• Armaments, $DFEN (+0,09 %)
• uranium, $U3O8 (+4,26 %)
• batteries, $BATG (-1,7 %)

I also bought my first individual shares to gain experience. Among other things, I had success with $RHM (-0,43 %) . At the same time, I learned how quickly losses can occur if you are not sufficiently diversified, for example with $ABR (-2,87 %) ,$1SXP (-0,07 %) and other stocks.

This ultimately led me to my second approach.

2nd approach, dividend strategy

As I already have a pension plan through LBS and don't want to be the richest man in the cemetery, I focused more on a dividend strategy.

The first attempt consisted of the following combination

• $ISPA (+0,07 %)
• $VHYL (+0,03 %)
• $ZPRG (-0,14 %)

The idea came from a business magazine and was aimed at making monthly distributions as even as possible. I also added $QYLE (+0,12 %) to gain initial experience with option strategies.

However, as this combination is only diversified to a limited extent and I deliberately wanted to move away from the USA, I adapted my strategy further.

Current strategy

Fixed savings rates

• LBS, retirement provision, 150 euros per month
• Building society, residual debt for future home ownership, 150 euros per month

Dividend strategy with 115.24 euros per month

• $XDWL (-0,06 %) , 34 percent
• $IEEM (-0,57 %) , 26 percent
• $XAIX (-0,3 %) , 13 percent
• $EXSH (+0,49 %) , 26 percent

Side bets with 81 euros per month

• $DFEN (+0,09 %) , 62 percent
• $BATG (-1,7 %) , 10 percent
• $QYLE (+0,12 %) , 25 percent

Trading 212 experiment with 100 euros per month

Here I am pursuing the goal of bundling individual shares in a common pot, partially saving them and automatically reinvesting distributions in order to benefit from the compound interest effect in the long term.

I welcome tips and constructive criticism so that I can continue to improve my strategy.

Best regards

Mister Kimo

Hello dear community,

This is my first post on Getquin. Nobody knows me, nobody knows my portfolio or my background. Therefore, here is a short introduction of me.

Who am I?

I am Malte, 23 years old, work full-time in a medium-sized company, have a Bachelor's degree in Industrial Engineering and am currently doing my Master's in Applied Data Science.

How long have I been on the stock market?

I started investing in 2022, but made a lot of mistakes right at the beginning. Derivatives, knock-outs, holding individual stocks far too short, etc. In total, I lost around 3000 euros as a result.

What has changed?

When I received a full salary for the first time (April 2024), I woke up. I read the biography of Warren Buffet, the book "The Richest Man in Babylon" and other books and realized that there is no such thing as quick riches.

At that time, a lot of things changed in my family, so I had to move out of my home on October 1, 2024. Everything I had managed to save by then went on the move and furnishings, and hardly anything was invested. The money that was left was in the call money account. The result: 2 years on the stock market, 3000 euros loss. Ouch

What happened next?

I closed the portfolio and opened a new one with Scalable to start from scratch. The first step was to set up a savings plan on the $VWRL (+0,02 %) was created. This has been running continuously since then with 200 euros every month. I had had enough of individual shares for the time being. Another 250 euros went into the call money account every month. I can't put any more money aside at the moment, as the tuition fees of 500 euros per month are really restricting me.

On April 1, I received a tax refund from the tax office, which I paid 1:1 into the deposit. I was able to use the money to buy 12 $GOOGL (-0,74 %) at 154 euros. The investment was intended to be long-term and I opted for Alphabet purely because of the extremely high cash flow. The slump in the share price due to the Trump tariffs came in handy.

I also decided on 01.08.25 to jump on the bandwagon. $BTC (-0,01 %) to jump on the bandwagon. However, as I'm not good at dealing with high volatility and therefore don't want to make individual purchases, I've set up a savings plan that invests 25 euros a week in Bitcoin. This way I hope to build something up in the long term.

My strategy for the future:

Growth:

I enjoy trading individual stocks and would like to add a maximum of 10 individual stocks to my portfolio in the long term. I will buy these when the money is available and I have found a sensible investment (as with $GOOGL (-0,74 %) the financial situation of the company is decisive for me, not hype or anything else). In return, an additional 100 euros will be transferred to the custody account as cash every month from 01.01.2026 and 300 euros every month from 01.10.2026.

The savings plan on $BTC (-0,01 %) will also remain. I have no plans to increase the amount here. I'll treat the money as if it wasn't there. If the BTC price reaches 1,000,000 euros at some point, I'll be happy; if not, it won't be too painful a loss.

Foundation:

The $VWRL (+0,02 %) remains as the foundation. The savings rate will be increased to EUR 500 every month after completion of the Master's degree on 01.10.2026.

Pension:

I have decided to do something specifically for my pension. To this end, from 01.01.2026 I will invest 100 euros every month in the $VHYL (+0,03 %) invest. The savings sum will be increased by 50 euros every 5 years. In a conservative scenario, this will give me a gross annual dividend of 33,000 euros by the time I retire, which I think is quite nice.

Conclusion:

I hope that I can build something up in the long term. I might be able to significantly increase my savings rate by increasing my salary after my Master's degree, but we'll see.

Don't forget the one $MCD (-0,04 %) share in the portfolio, that was pretty much my first share and I can't really part with it hahaha.

My goal for the end of 2026 is to have 10,000 euros in my portfolio.

I'll keep you up to date.

I would be delighted to hear a lively exchange in the comments!