I asked myself this question some time ago. Saving, investing, building up assets - all well and good. But what is it actually for? What is the goal?

At some point, the answer was clear to me: financial freedom.

Not because I never want to work again. On the contrary - I like working. But I don't want to have to anymore. I want to be able to decide for myself how I use my time without my income depending on it.

That's why I've opted for a clear focus on dividend ETFs. $TDIV (-0,59 %)
$VHYL (-0,81 %) decided on dividend ETFs.

They provide me with a regular, predictable income - a step towards independence. This cash flow currently allows me to work part-time and at the same time build a self-employment that is based on my interests - not on a fixed employment contract.

I am fully aware that if I were to invest purely rationally and with a focus on returns, e.g. only in the $VWRL (-0,3 %) the path to absolute financial freedom might be shorter.

But let's be honest - who knows whether you will ever reach your goal? Health, life circumstances, fate - there is no guarantee for later.

So why not live a little more freedom today instead of putting everything off until "someday"?

My portfolio reflects precisely this conviction - long-term focus, but with ongoing benefits. And to be honest: I simply enjoy investing.

That's why, in addition to solid dividend payers, I also have a few positions for gambling $BATS (+0,25 %)
$GOOGL (+0,42 %) - Shitcoins $CHZ (+2,72 %)
$MANA (+2,41 %)
$SOL (+1,4 %) included.

What do you think?

Hello everyone,

I am currently toying with the idea of reorganizing my portfolio.

It currently looks like this:

50 % $HMWO (-0,15 %)

20 % $AEEM (-0,09 %)

30 % Shares with reference to dividend($MAIN (+1,04 %) , $O (-0,38 %) , $PEP (-0,37 %) etc)

The whole thing is currently also fueled via a savings plan every month. Furthermore, all dividends are reinvested! This should also happen in the future (build up cash flow).

Now I would like to slim down my portfolio a bit and possibly swap the allocation or the ETFs (world + emerging) and exchange the shares for an ETF with dividends. I would also like to add some BTC. This should simplify the portfolio and reduce the effort involved. Nevertheless, it should also generate returns!

Now I have 2-3 ideas to rebuild the whole thing and would like to ask the swarm!

Option 1:

65% $VWRL (-0,3 %)

30% $JEGP (-0,22 %)

5% $BTC (+0,63 %)

Target here: All world as a base, plus some divi power and monthly cash flow (replaces shares) + BTC on top. Overall a little more risk.

Option 2:

55% current Etfs World+emerging

25% $VHYL (-0,81 %)

15% $JEGP (-0,22 %)

5% $BTC (+0,63 %)

Objective here: as with option 1, only slightly less reallocation work and slightly less risk.

Option 3:

55% $VWRL (-0,3 %) or as ACC

25% $VHYL (-0,81 %)

15% $JEGP (-0,22 %)

5% $BTC (+0,63 %)

You are welcome to share your ideas, feedback or similar.

I don't want to start a discussion about dividends, as there has been a lot of talk about them recently: yes, no, why and why not!

Thank you 😇!

Have a great start to the USA week 🙂.

Hi folks,

wanted to know your opinion! I have two ETFs in my portfolio at the moment! $VWCE (+0,02 %) and $VHYL (-0,81 %) both are saved with 1000€ per month each! I was wondering whether I should also add the $ISPA (-0,52 %) into the portfolio! Thought about 50k starting capital and 500€ monthly savings plan! Since the Global Select 100 is a bit more international, it could be a counterweight to the very US-heavy FTSE All world!

I'm curious about your opinion 🙂

Have a nice rest of the weekend everyone

Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (+0,4 %) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (+0,2 %) and FTSE All-World $VWCE (+0,02 %) are in the foreground.

Yes, I am also saving here at the same time $VWRL (-0,3 %) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (+0,2 %) - 150€

All-World $VWCE (+0,02 %) - 70€

All-World $VWRL (-0,3 %) - 70€

MSCI World $IWDA (-0,1 %) - 40€

S&P 500 Information Tech $IUIT (+1,75 %) - 30€

All-World High Divid. $VHYL (-0,81 %) - 30€

VanEck Sustainable World Equal $TSWE (-0,92 %) - 30€

VanEck Developed $TDIV (-0,59 %) - 15€

iShare DJ Global Titan 50 $EXI2 (+0,44 %) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (+0,44 %) and the MSCI World $IWDA (-0,1 %) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (-0,76 %)

$BLK (+0,1 %)

$PG (-0,08 %)

$PEP (-0,37 %)

$KO (-0,69 %)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

🎉Good evening everyone. Today, with this fantastic market session, after a little more than three years since the 'beginning of my journey in the investment world I finally reached the small (but for me big) threshold of 10k.

🧮At this point I would like to make a recap and ask you, if my strategy, based on my goals, is suitable and feasible.

🧒🏻Innanzitutto I am 28 years old, my dream (financially speaking) is to become financially independent by the age of 40 and then be able to stop working and live off my income. I am an investor with an excellent appetite for risk.

📊📈 My monthly investment plan included only two assets until the end of 2024: $KCVBHW (-0,8 %) e $BTC (+0,63 %) . I started in 2022 an accumulation plan through my bank of €100 monthly with a duration of 10 years in the Morgan Stanley Global Opportunity Fund AH, to which I add additional deposits from time to time in the months when I have more funds to invest. In mid-2023 I began adding Bitcoin to my portfolio, with investments of only €20 per month, which became something more whenever I had additional funds to invest.

Since early 2025 my monthly investments have steadily, and at a minimum, reached €350, broken down as follows:

- €100 in Morgan Stanley Global Opportunity Fund AH

- €50 in Bitcoin

- €200 divided into two stocks $LDO (+0,23 %) Leonardo, a share in $VHYL (-0,81 %) and the remainder in $FGEQ (-0,09 %) .

From this month I aim to restructure the €200 into 6 small accumulation plans:

- €100 in $LDO (+0,23 %)

- €20 in $FGEQ (-0,09 %)

- €20 in $VHYL (-0,81 %)

- €20 in $MSFT (+0,07 %)

- €20 in $1211 (-4,82 %)

- €20 in $HIMS (+1,51 %)

❔🤷🏻‍♂️ I know that the fundamental problem in achieving my goal is to considerably increase the monthly amount of invested capital, but based on these premises, is this a right strategy in your opinion?

Hello everyone, given the recent news about the postponement of GTA VI, I was thinking of making a lump sum investment in $TTWO (+0,7 %) , to be liquidated within the next two years, or at least as soon as the company experiences a significant uptick after the game's release.

My portfolio is already aimed at long-term capital growth (20 years minimum), with a strong risk appetite. The two main positions are. $KCVBHW (-0,8 %) (75%) e $BTC (+0,63 %) (15%), the remainder being two dividend-paying ETFs, $FGEQ (-0,09 %) e $VHYL (-0,81 %) , e $LDO (+0,23 %) .

Does this make sense to you as an investment?

Hello everyone,

For some time now I have been wavering a bit about my dividend portfolio, whether I should use the 6 ETF savings plans (always staggered distributions for monthly cash flow) are not too complicated. About me: I'm in my mid-thirties and the aim is to build up more and more net monthly salaries through dividends over time. I enjoy looking at my bar charts in Portfolio Performance over the years and seeing how they get bigger and bigger every year compared to the previous year. For this year, I expect to earn around €3,700 in dividends with my current portfolio.

----- ----- -----

The Morningstar X-Ray already shows a lot of stock overlaps. The aim was always to combine 2 ETFs per interval with 1 each with high distributions + and 1 each with growth and to have good diversification:

January, April, July, October

$ISPA (-0,52 %) + $EXX5 (-0,79 %)

February, May, August, November

$FGEQ (-0,09 %) + $IMEU (-0,7 %)

March, June, September, December

$TDIV (-0,59 %) + $VHYL (-0,81 %)

+ $O (-0,38 %) + $MAIN (+1,04 %) + $ARCC (+0,67 %) + $VICI (-0,64 %) + $HTGC (+0,45 %) + $BATS (+0,25 %)

----- ----- -----

The ETFs have a value of approx. 15,500€ per interval, the REITs + BDCs below together approx. 31,000€. I would also like to invest in savings plans with dividend growth shares, whereby I want to proceed according to certain criteria: https://aktienkoenig.de/starke-dividendenaktien-mit-dem-dividenden-check-finden/#elementor-toc__heading-anchor-3

Would you simplify the dividend ETFs and reduce them from 6 to 3 or replace them if necessary, because that is overdiversified anyway, or should I rather "shut down" some of them and continue to save only 3 of them increased? I am basically undecided at the moment as to whether I should focus on higher dividend payouts or rather higher dividend growth. At the moment, I think it's all mixed up.

Hello everyone,

Having only entered the stock market in February, I have decided to make a radical change today: I want to restructure my portfolio towards a dividend portfolio.

About the savings plan: Monthly deposits, duration: until retirement, i.e. around 38 years.

The aim is not necessarily to be able to live off the dividends, but rather to use them as a nice extra. An average dividend of 4% p.a. would be desirable.

About the portfolio:

The portfolio should consist of a 60/40 ratio of dividend-paying ETFs. The background to this is that I want to diversify as widely as possible. I currently have the $VHYL (-0,81 %) with just under 25%, the $ZPRG (-0,55 %) with just under 22% and the $IMEU (-0,7 %) with just under 13%.

The remaining 40% of the portfolio should consist of equities. And this is where your expertise is needed: which high-dividend stocks with future potential would you no longer want to do without in your portfolio?

To begin with, I have opted for $ALV (-0,97 %)
$VOW (+1,83 %)
$MBG (+2,34 %)
$O (-0,38 %)
$ULVR (-0,41 %)
$INGA (-1,06 %) and $BAS (-0,12 %) today.

I would like to have a total of 20 shares with 2% each in my portfolio. These should be as diversified as possible - both in terms of sectors and regions - even if the ETFs already contribute to this. Speculative shares may be included, but only sporadically.

Thank you very much and I look forward to your feedback!