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25Would love some portfolio feedback!#portfoliocheck
The goal is to save +- 35 selected stocks evenly over the long term in order to build up a passive income with dividends.
As soon as $PAEM (-1,79 %) has a positive return, it is sold and also reallocated to equities.
The following stocks will follow in the next few months:
Individual shares
Bonds, gold and a global ETF
Spring is in full swing, my tomato plants are flowering and soon there will be delicious "yields". Time for a look back at May.
➡️ Shares
With an incredible +148% $AVGO (-1,21 %) in my portfolio. The model student is not only the performance winner, but also the heavyweight in terms of portfolio volume among the individual shares. The share has long since cracked the €1,300 mark in terms of volume and is continuing its journey. I am not letting this horse out of the stable á la Beate Sander. I could well imagine that a split is imminent here, after the $NVDA (+2,32 %) recently completed. Otherwise there is hardly any news, the performance of the good stocks continues to rise and the negative performance of my flop stocks is steadily improving. Thus $DHR (-0,38 %) only at -24% instead of -30%. That's how it has to be. You can just feel a moderate wave lifting the boats. In favor of the ETFs, I will leave the comments on the stocks short this time.
➡️ ETFs
With this review, I'm going to take a closer look at my ETFs. I originally started with a 50/30/20 strategy on the MSCI World, EM and Europe, which I later supplemented with an Immo and Small Cap ETF. So the MSCI World with the MSCI EM ETF formed the core portfolio and the other ETFs were small satellites around it.
As these were almost all accumulators at the time and I quickly realized that I could build up additional income by saving in distributing ETFs, I quickly said goodbye to the accumulators. I also moved my ETF custody account to a neobroker. This is where I now manage my large ETF portfolio, which will form the absolute basis of my retirement provision. So if the dividends are not enough, or if I have to sell the portfolio and a sale is unavoidable, then the shares will be sold off piece by piece first and the ETFs will only be touched later. This portfolio contains the $VWRL (-0,56 %) , $VHYL (-1,03 %) , $VUSA (+0 %) , $ISPA (-1,36 %) , $IMEU (-1,43 %) and $IWDP (-0,6 %) . The current portfolio content consisting of an All World ETF and geographic and/or thematic shear points around it does further justice to the core-satellite concept. All these ETFs are saved monthly and all pay out dividends.
My first old portfolio naturally still contains residual holdings. These have been converted into distributing ones where appropriate and are shown in detail in the $EXXT (+0,16 %) , $ZPRG (-0,93 %) , $ISPA (-1,36 %) , $SPYW (-1,63 %) , $SPYD (-0,28 %) . The portfolio volume is in the four-digit range. The $ZPRG (-0,93 %) is saved. Further cashback flows into one-off savings plans, which replenish one of the other positions. The core task of this portfolio is to generate cash flow, so share price growth is less important to me. I am currently reinvesting the distributions. I could also imagine diverting this as a boost to my nest egg, as a kind of "inflation compensation". It's good that you can set up savings plans and standing orders at the click of a mouse these days, which gives me the flexibility that I base this portfolio on.
My second old custody account used to be the main custody account for the shares, which have long since been with a neobroker and are saved there. I bought two new ETFs here in May, which I also save a small amount of money in each month. They are the $FGEQ (-0,67 %) and $TDIV (-1,44 %) . Here I have the same idea as above. Simply generate cash flow that is reinvested but can be used in other ways if necessary, e.g. to contribute to my fixed cost lump sum.
I can certainly simplify my ETF portfolios considerably and close the old portfolios completely. But I don't want to and won't do that. It's a great feeling when money rains down from the sky every month on all banks/brokers. I want to retain the flexibility of multiple brokers so that I can react quickly if a broker cancels my contract (for whatever reason). In addition, operating this infrastructure does not cost me any fees.
➡️ Distributions
I received 21 distributions on 10 payout days in May. This time, the German values also fell $SAP (-0,16 %) and $DHL (-1,76 %) to book. May was strong in terms of dividends and was almost on a par with June last year. With the past month, I am already well above the dividend that I expect on average according to my planning.
Outlook: According to my forecast thanks to GQ, June 2024 will eclipse everything by far. Depending on the distributions in the fall, I may be able to increase the size of my planned dividend reinvestment. That puts me in a good mood!
➡️ Cashback
I found a few returnable bottles and cans along the way while hiking and on the way home. Especially on men's day. Without me actively looking for them. The deposit was taken away these days. I may invest the proceeds once again in $SOL (-1,07 %) invest it again.
I haven't redeemed any Payback points this month, but I have been busy collecting them.
➡️ P2P loans
With the exception of Bondora Go&Grow, the interest and redemption stream has now dried up on all platforms. EstateGuru also abruptly introduced a new price list at the end of the month, to the detriment of us investors of course. I didn't like this and it only confirms my intention to exit this asset class. There will be news here next month.
➡️ Crypto
It's a case of wait and see. There is no other way to describe the situation. A look at the $BTC (-0,37 %) -price shows the sideways movement and resistance at USD 71K. We must remain patient.
➡️ Outlook
The tax refund is on its way and will be invested. Part of it will even be donated. You'll find out what next month. I might also introduce you to a great project that is definitely worth donating to.
Many people are unsure about #dividends #etfs uncertain. Should you invest in a dividend fund such as the $ZPRG (-0,93 %) because it guarantees steady payouts throughout the year and it feels good to receive a payout every few months? Or would it perhaps be better to stay away from it, for example during the savings phase, because the growth and return opportunities are simply not attractive enough? There are many different opinions - that much is clear.
One example shows that #dividends #etfs have a significantly lower performance than #thesaurating #etfs
Not such a new insight and yet there is always controversy.
Anyone who invests €10,000 on 11.06.2023 both in the $ZPRG (-0,93 %) and in parallel in the $IWDA (-0,43 %) and on 11.06.2024, you will look around and realize how "weak" the dividend ETF has performed (in comparison).
A look at the (bare) figures will help to make a classification:
Price gain:
$ZPRG (-0,93 %) 573,91€
$IWDA (-0,43 %) 2.285,50€
Share price growth:
$ZPRG (-0,93 %) 5,72%
$IWDA (-0,43 %) 22,79%
Dividends:
$ZPRG (-0,93 %) 430,47€
Total profit:
$ZPRG (-0,93 %) 1.004,37€
$IWDA (-0,43 %) 2.285,50€
Final capital
$ZPRG (-0,93 %) 11.004,37€
$IWDA (-0,43 %) 12.285,50€
Total return
$ZPRG (-0,93 %) 10,04%
$IWDA (-0,43 %) 22,85%
Total growth:
$ZPRG (-0,93 %) 10,01%
$IWDA (-0,43 %) 22,79%
If the dividends were reinvested directly after payment, the total growth of the $ZPRG (-0,93 %) would be 10.35%.
Hello everyone,
I always enjoy reading about the "dividend strategy" here.
Mostly the ETFs $ISPA (-1,36 %)
$ZPRG (-0,93 %)
$VHYL (-1,03 %) are mentioned. The advantage here is that dividends are paid every month.
So far so good. But that's where all the information ends.
Has anyone taken the trouble to present this strategy in figures over the last ten years, for example? I would be interested to see how the capital has developed. Also via a savings plan and with reinvestment of the distributions, for example.
I think there are many newcomers here - like me - who would be interested in this. Perhaps this could also convince some pessimists.
Thank you very much!
What a January. Once again, it's impressive what the new year had to offer us all. Time for a monthly review. This year, I plan to adapt my summary in several steps. First of all, it will be shorter. I'm also going to take my New Year's resolutions and see how well I've fulfilled them. But let's start with the latest developments in my portfolio.
➡️ Shares
My largest positions in terms of volume are still the usual suspects $AVGO (-1,21 %) , $MSFT (+1,59 %) and $FAST (-0,43 %) . They set the tone in the share portfolio. I am particularly pleased with $AVGO (-1,21 %) which is now shining with +125% (end of Dec. approx. +100%). There has not yet been a strong correction. In absolute terms, this will soon make up the €1,000 mark in invested capital.
In addition $NOVO B (-2,39 %) in 4th place by volume has now exceeded the +100% performance. Really solid, I thought after a few splashes it would have eaten itself up again and the stock would have corrected. Still in the top 10, I also noticed a stock that is now more visible at +50%. It was sold off by some in October 2020 after the share price fell: $SAP (-0,16 %) . I tend to stay away from German stocks, but this one is one of three exceptions.
Of course, there are still stocks with a red sign, but these are improving bit by bit thanks to DCA. $DHR (-0,38 %) and $MMM (-1,01 %) both between -25% and -30%. For me, however, the investment case still fits for both. The souvenir $VLTO WI (-0,32 %) I will sell as soon as the price suits me. Otherwise I generally don't sell. For me, the (valuable) invested capital is working time formerly stored in (worthless) money in the form of net salary; for me, selling is like cutting a piece of meat out of my body.
Soon my employer will also be reporting figures for the past FY, and my bonus depends on that. There are also two planned reimbursements from the health insurance company and one from the dental supplement and I'm sure there will be another credit on my electricity bill. Everything by April at the latest. The money will be invested at Easter or sooner in my candidates for new positions. These are: $UPS (-0,91 %) , $JPM (+0,51 %) and $GLAD . I am still deciding whether it will be all three or just two.
➡️ ETFs
I don't need to repeat myself here. My statement that they are the least everyone needs to do to escape the monster of old-age poverty still stands. Anyone who doesn't invest is a fool. Privately, I am pleased that I can use my experience with this investment vehicle to give people in Facebook groups and on Reddit an example of how simple retirement provision can be. Fight the savings book!
And in line with the battle message, I put a few extra coins into the $ISPA (-1,36 %) put some extra money into the There were a few comments about alternatives: https://getqu.in/XAvjzL/
➡️ Distributions and taxes
My strategy of switching to distributing ETFs has paid off. I want it to be tax-simple. In other words, the money that flows to me should be taxed as much as possible and I don't want to hold money anywhere or calculate how much tax-free allowance I will lose for an advance payment. So last March and November, I reallocated some of the ETFs that were still accumulating. The result: only two advance lump sums were due on distributors ($VUSA (+0 %) and $EXXT (+0,16 %) ), which means that the notional lump sum was higher than the basis for calculating the distribution for only two of my ETFs.
Among the ETFs, the $ISPA (-1,36 %) only one payout date. For my shares, I was able to book 21 payments on 11 paydays. January had 22 working days in Saxony, of which there were dividends on 11 days, great, right?
➡️ Cashback
I have set aside €10 from payback points for cashback annuities in a settlement account. Cashback proportionally feeds a $ZPRG (-0,93 %) savings plan. I will explain exactly how this construct works in a separate article later.
➡️ P2P loans
I continue to long for the day when I am out of this asset class, with the exception of Bondora Go&Grow. I will keep these for the time being.
Repayments are only coming in chunks.
A sad negative record: this was the first month in which only two out of four platforms were still earning interest, i.e. the capital to be collected is virtually no longer working.
➡️ Crypto
No news compared to previous months. I'm waiting with my holdings for the crypto summer. After all, it's crypto spring What I'm currently waiting for: the start of staking at BISON. I want to watch it from the sidelines and then decide whether I want to get involved. If I do, then the corresponding coin will not be cashed out at the turn of the year.
➡️ Interim New Year's goals
Here is the interim status of "non-monetary goals" or habits that I want to continue, consolidate or expand:
As you can see, it's easy to make plans, but it's also important to consolidate the habits and fit them into everyday life.
And now I wish you all a wonderful upcoming carnival.
Picture: Impression while hiking (St. Mary's Church, in front of the Paul Gerhardt monument, Gräfenhainichen [Saxony-Anhalt])
So, finally sorted out a lot of small shit and beginner sins.
At 150€ still goes $PG (+0,18 %) (hopefully), at 40€ $DTG (-0,12 %) and at 60€ $TTE (-2,35 %)
The rest remains for now.
But from now on I'm actively investing only in my 4 ETFs ($VWCE (-0,62 %)
$VHYL (-1,03 %)
$ISPA (-1,36 %) and $ZPRG (-0,93 %) ) and look for attractive individual stocks where I think there is some outperformance (e.g. $HUBS (+3,32 %) ).
In addition, I have also read up on how to evaluate shares and companies "best" and would like to invest more time in the topic and finance.
My real message behind this post should therefore be:
Don't be ashamed of your beginner mistakes, just correct them when it fits. 😄
In the long run, everything is in it!
With this in mind: Happy Father's Day to all dads!
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