I am halfway through my Road To 100K. We keep investing and hopefully the next 50k will go faster.

$VWRL (+0,11 %)
$VHYL (-0,04 %)
$JEGP (+0,25 %)
$MO (-0,01 %)
$GOOGL (+0,45 %)
$MSFT (+0,47 %)
$ASML (-0,43 %)

#investeren
#dividend
#aandelen

https://youtu.be/knohMWGqET4?si=-9CLUuxfrobeN-kC

Midsummer should be in full swing in July, but summer prefers to take a breather. While the temperatures outside were rather cool for most of July, which fortunately didn't keep me from swimming and hiking, it was hot in the depot. Time for a look back.

Overall performance

In July, the portfolio made a significant leap upwards, possibly due to further crypto adoption, good labor market data, robust quarterly reports and a further decline in inflation in a positive environment. The big icing on the cake is of course the continued incoming cash flow from dividends and distributions. My key performance indicators are:

• TTWROR (month of July): +3.82 % (previous month: +0.19 %)
• TTWROR (since inception): +72,72 %
• IZF (month of July): +46.14 % (previous month: 2.47 %)
• IZF (since inception): +10,87 %
• Delta: +€2,468.62
• Absolute change: +€3,677.52

Performance & volume

Size of individual share positions by volume in the overall portfolio:

• Share: Share of total portfolio in % (securities account)
• $AVGO (-0,05 %) 2.98 % (main share portfolio)
• $NFLX (-0,15 %) 1.92 % (main share portfolio)
• $WMT (+0,29 %) 1.72 % (main share portfolio)
• $FAST (+0,13 %) 1.64 % (main share portfolio)
• $SAP (-0,39 %) 1.49 % (main share portfolio)

Smallest individual share positions by volume in the overall portfolio:

• Share: Share of total portfolio in % (custody account)
• $SHEL (-0,82 %) : 0.44 % (crypto follow-on portfolio)
• $NOVO B (+4,61 %) 0.45 % (main share portfolio)
• $HSBA (-1,72 %) 0.53 % (crypto follow-on portfolio)
• $GIS (+0,72 %) 0.60 % (main share portfolio)
• $TGT (+1,62 %) 0.64 % (main share portfolio)

Top-performing individual stocks

• Share: Performance since first purchase % (securities account)
• $AVGO (-0,05 %) +299 % (main share portfolio)
• $NFLX (-0,15 %) +174 % (main share portfolio)
• $FAST (+0,13 %) +86 % (main share portfolio)
• $SAP (-0,39 %) : +83 % (main share portfolio)
• $MAIN (+0,25 %) +82 % (main share portfolio)

Flop performer individual shares

• Share: Performance since first purchase % (securities account)
• $GIS (+0,72 %) -33 % (main share portfolio)
• $TGT (+1,62 %) -30 % (main share portfolio)
• $NOVO B (+4,61 %) -27 % (main share portfolio)
• $UPS (-0,81 %) -24 % (main share portfolio)
• $CPB (+0,56 %) -23 % (main share portfolio)

Asset allocation

My asset allocation is as follows:

• ETFs: 38.3 %
• Equities: 59.0 %
• Crypto: 2.60%
• P2P: less than 0.01%

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, incl. reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Repurchases/one-off savings plans as cashback annuities from refunds: € 70.77
• Subsequent purchases from other surpluses: € 135.00
• Automatically reinvested dividends by brokers: € 4.04 (Function is only activated for an old custody account, as I control the reinvestment myself)

Additional purchases were made:

• Number of additional purchases: 3
• 61.96 € for $SPYD (+0,14 %)
• 
  58.00 € for $GGRP (+0,04 %)
• 
  90.00 € for $JEGP (+0,25 %)

If you want to know how my cashback pension tops up my share and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 222.47 (€ 93.27 in the same month last year). This corresponds to an increase of +138,52 % compared to the same month last year. The following are further key figures on the distributions:

• Number of dividend payments: 28
• Number of payment days: 12 days
• Average dividend per payment: € 7.95
• average dividend per payment day: € 18.54

The top payers are:

• $ISPA (-0,17 %)
• 
  $VWRL (+0,11 %)
• 
  $VHYL (-0,04 %)

My passive income from dividends (and some interest) mathematically covered 27.12% of my expenses in the month under review.

Crypto performance

My crypto investments have also moved:

• Monthly performance portfolio: +9.49
• Performance since inception: +114.72 %
• Proportion of holdings for which the tax holding period has expired: 98.55%. Accordingly, there was one subsequent purchase in the month under review $ADA (-4,3 %) ).
• Crypto share of the total portfolio: 2.60 %

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +3,28 %
• Vanguard FTSE All World Dist ETF: +5.23 %
• Vanguard S&P 500 Dist ETF: +6.41 %

Outlook and conclusion

Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 In addition to the portfolio and budget review, you'll also find regular posts there: @frugalfreisein

👉 How was your July at the depot? Do you have any tops & flops to report?

Leave your thoughts in the comments!

Hello everyone,

So far I have only been saving the $VWRL (+0,11 %) and have a long investment horizon.

However, I would like to add something to it in order to receive higher dividend distributions on a regular basis. I am thinking of the $VHYL (-0,04 %) . The large positions do not overlap significantly.

Would it make sense from your point of view or not?

The plan would be a split of approx. 60/40.

Thank you!

I hesitate to hold DCA, or build up more cash. The doubt because I want to have more cash on hand for a crash on certain stocks.

Indeed, I see that I have missed out on some returns since April. Still, I can't complain.

I want to receive the last 1000 euros from dividends in the coming year to reach 30k.

I have already come this far!

What would you guys do?

$NOVO B (+4,61 %)
$VHYL (-0,04 %)

$TDIV (-0,4 %)

$ASRNL (-0,59 %)

We are almost at the halfway point on my Road To 100K. Sold a high dividend $TROW (+1,33 %) And achieved a milestone. Also took profits on another strong dividend stock.

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$ASML (-0,43 %)
$VWRL (+0,11 %)
$VHYL (-0,04 %)
$JEGP (+0,25 %)
$BATS (+1,03 %)
$MO (-0,01 %)
$GOOGL (+0,45 %)#tech

#etfs
#dividend
#aandelen
#investeren

https://youtu.be/4rmE5dEYhZE?si=WWt1swu1Sfm__591

Hello group, I would like to create a portfolio that gives me dividends, I already have 3 positions on $VHYL (-0,04 %) , but I would like to augment it with a few more without having duplication. Can anyone tell me some other etf?

Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (-0,01 %) , $O (+0,08 %) and $ATO (-0,88 %) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0,07 %)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (-0,48 %)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (+0,13 %)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (-0,04 %)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0,13 %)

50 €

FTSE Emerging Markets (Dist)$VFEM (+1,05 %)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-1,94 %) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

Hello everyone,

I am just wondering whether it makes sense to buy the Vanguard FTSE All-World High Dividend Yield (VHYL) $VHYL (-0,04 %) in addition to the FTSE All-World (Dis) $VWRL (+0,11 %) into the portfolio.

Both ETFs are globally positioned, but VHYL focuses on high-dividend companies.

In your opinion, would this be a sensible addition for regular distributions - or would it hardly bring any additional benefit because the contents overlap?

I look forward to hearing your opinions.

What do you think about diversification within an ETF? Specifically, I have $TDIV (-0,4 %) and $VHYL (-0,04 %) in the portfolio. The performance of TDIV is unbeatable for dividend ETFs, but only around 100 positions are held. In contrast to VHYL, where over 2000 companies are represented, but the performance leaves a lot to be desired.

I would like to increase my position in TDIV and save on VHYL. I know from the charts that the risk is already quite low from 30 companies in different geographical and economic sectors. Nevertheless, I would be interested to know what you think about this and whether the risk with TDIV is nevertheless estimated to be somewhat higher than with VHYL.

Have a good start to the week!