Dear people,

I can't keep my feet still again. And yes, I know ... Actionism kills returns. But after a brief explanation, I'm sure you'll understand better what's on my mind and why I'm talking about a fundamental discussion. Personally, I make no secret of the fact that I have great respect for Gerd Kommer. At the same time, I also find Helmut Jonen's (waikiki5800) online content exciting. In short, maximum dividend promotion vs. Gerd Kommer, who, as is well known, prefers total returns to dividends and, to put it mildly, thinks absolutely nothing of dividends (and this is also scientifically proven).

Some time ago, I personally opted for a core-satellite approach with dividend growth (although the $GGRP (+0,31 %) more disappointing than inspiring). I also have a small pure dividend portfolio (just under 20% of the total portfolio value). I took this approach mainly to minimize risk, and the payouts are also quite nice from a purely psychological point of view. BUT (and this is a big but) ... I don't notice any real risk minimization, but rather a below-average return (as Gerd Kommer always preaches). I already make full use of the tax-free amount through the flat-rate withholding tax, so I don't really have any significant advantage there either. So the question is for you ... How would you personally design the portfolio structure? Continue with the split concept or focus on maximizing returns? I wouldn't mind 2% more per year 😁 My IZF is currently 9%. According to Morningstar X-Ray, I beat the "benchmark" (which is unfortunately not defined in more detail) moderately over the 3- and 5-year periods. Nevertheless, simplification and optimization would of course be the best of all options. I know - we all don't have a crystal ball. Nevertheless, you are simply fantastic advisors here with knowledge of the subject matter - even the discussion is fun 😀

With this in mind, I would like to thank you once again for listening and for any feedback and wish you a wonderfully sunny day and excellent returns 🫡

Yours _EvD_ 😎

Hello everyone,

I would like to introduce myself and my portfolio.

My name is Fabian, I'm 36, I'm trapped in the hamster wheel (working) and I haven't been investing for very long, as you can see from my portfolio. My savings rate is currently between €500 and €1500 per month, depending on my professional success.

My goal is to be able to live off distributions and then pursue the things that I really enjoy doing and that fulfill me. I would like to achieve this goal in the next few years and haven't yet worked out how long it will really take. But I'm guessing that realistically it will take 20-30 years. It's a shame that I didn't start sooner, but better now than in 5 years, 15 years or never.

After reading up a bit on the subject, I decided to go for the S&P 500 instead of a world and clearly against individual shares.

One of the main arguments for me in favor of ETFs is that in the long term winners are weighted more heavily and losers are weeded out.

Over the last few months, I had set myself the goal of getting the S&P 500 into 5 figures as quickly as possible. This may not be the scientifically correct approach, but it has motivated me a lot and now I am facing my first small milestone and actually have a lot more questions than before.

I'm wondering whether I should simply set my sights on 30,000 as my next goal or start a new ETF. I would somehow be very keen on the latter (for various reasons). And I would have already shortlisted the following ETFs: an MSCI World ex USA , $GGRP (+0,31 %) or $TDIV (-0,24 %) or Bitcoin.

Of course I could just stick with the S&P 500 only, but I don't think that would motivate me as much and I'd just take longer. Certainly not rational, but you should invest in such a way that you sleep well.

I would be very interested to know what your opinion is? Does anyone take a similar approach? Does anyone have a similar portfolio? What can be done better?

$VWRL (+0,15 %) You can simply be relied upon...

Dividend announcement 06/2025:

0.8684 USD

For comparison 06/2024: USD 0.7889

All the smart beta ETFs $FGEQ (+0,18 %)
$GGRP (+0,31 %) etc. should take a leaf out of their book.

The donkey @DonkeyInvestor is right after all.

BEFORE: I have completely revised my portfolio review. There are now even more in-depth figures to see and I have greatly reduced the body text. Only my introduction is a little more detailed. The visual overview on Instagram has also been completely revamped. There is also a budget review, which I am not publishing here as a post. However, I have included a few key figures from this one in the portfolio review.

I am very happy about likes here at GQ and on both IG posts, as the complete renewal has cost me a lot of nerves and time. 🙃 If you also want to know how my personal finances have developed, I'd like to refer you to my personal budget review on Instagram.

In future, I will publish my detailed assessments on individual topics that were previously part of the review (such as crypto cycles or my succession strategy for crypto) separately in individual posts on GQ. Perhaps as a kind of supplementary post.

Are you missing important key figures or do you have suggestions for optimization? Constructive suggestions are always welcome.

For me, May was characterized by calm and composure, because I kept the noise of the markets and US trade policy away from me. I can do no more than simply buy more. I like to refer here to the stoic way of thinking, which focuses on prioritizing what you can influence. And that is my personal development. So that meant doing sport (at home with YouTube cardio and strength, abs, core, running), stockpiling Instagram posts so that I have some breathing space in the summer and delving deeper into the topic of AI. And the tax return was also completed. Meanwhile, dividends have been stable with the second strongest month ever, which was April. Time for a deep dive into my figures.

Overall performance

My portfolio performed well in May. Bit by bit, we are fighting our way up from the tariff lows. The key performance indicators are

• TTWROR (month of May): +4.83 %
• TTWROR (since inception): +65.84 %
• IZF (month of May): +74.24 %
• IZF (since inception): +9.94 %
• Delta: +€3,368.39
• Absolute change: +4,486.96 €

Share allocation & performance

Which shares performed particularly well in May? Which are at the top of the chain and which at the bottom? Which were the biggest losers?

Size of individual share positions by volume

Share: Share of total portfolio in % (portfolio)

• $AVGO (+1,05 %) : 2,71 % (main share portfolio)
• $NFLX (-0,02 %) : 2,12 % (main share portfolio)
• $WMT (+0,03 %) : 1,83 % (main share portfolio)
• $SAP (+0,7 %) : 1,69 % (main share portfolio)
• $FAST (+0,74 %) : 1,59 % (main share portfolio)

Smallest individual share positions by volume:

Share: Share of total portfolio in % (securities account)

• $SHEL (-0,17 %) : 0,44 % (crypto follow-on portfolio)
• $HSBA (+0,95 %) : 0,54 % (crypto follow-on portfolio)
• $TGT (+0,01 %) : 0,62 % (main share portfolio)
• 
  $DHR (+0,1 %) : 0,66 % (main share deposit)
• 
  $NKE (-0,61 %) : 0,67 % (main share portfolio)

Top-performing individual shares

Share: Performance since first purchase % (securities account)

• $AVGO (+1,05 %) : +245 % (main share portfolio)
• $NFLX (-0,02 %) : +190 % (main share portfolio)
• $SAP (+0,7 %) : +108% (main share portfolio)
• $WMT (+0,03 %) : +79% % (main share portfolio)
• $RSG (-0,41 %) : +60 % (main share portfolio)

Flop performer individual stocks

Share: Performance since first purchase % (securities account)

• $DHR (+0,1 %) : -58 % (main share portfolio)
• $TGT (+0,01 %) : -40 % (main share portfolio)
• $NKE (-0,61 %) : -39 % (main share portfolio)
• $CPB (-0,25 %) : -34 % (main share portfolio)
• $UPS (+0,36 %) : -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.8% to 61.2%. This differs slightly from the breakdown of my ETFs to equities savings plans (43% to 57%).

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, with 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:

• Subsequent purchases as a cashback annuity from refunds: € 70.50
• Dividend automatically reinvested by broker: € 2.99

Additional purchases: as one-off savings plans as part of my cashback pension, reinvested discounts from previous grocery and drugstore purchases and a refund from the health insurance bonus program.

• Number of additional purchases: 2
• 30.00 € for $JEGP (-0,63 %)
• 
  40.50 € for $GGRP (+0,31 %)

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

Passive income from dividends

My income from dividends amounted to € 163.13 (€ 89.68 in the same month last year). This corresponds to an increase of +42.32 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 11
• Number of payment days: 21 days
• Average dividend per payment: € 14.83
• average dividend per payment day: € 7.72

The top payers are:

• $DHL (+0,23 %)
• 
  $IMEU (+0,02 %)
• 
  $IWDP (-0,15 %)

My passive income from dividends (and some interest) mathematically covered 21.08% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +0.72%
• Performance since inception: +70.90%
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.23%

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my strategy. Profits have long since been realized, my focus here has long been elsewhere. Accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +4.83%
• $VWRL (+0,15 %) +6.10%
• $VUSA (+0,19 %) : +6.89%

Outlook and conclusion

According to the tax estimate, I can expect a tax refund. When this arrives, part of it will be donated and the rest will of course be reinvested. May was also a no-spend month for me and, as a convinced frugalist, this went off without a hitch. I was able to reflect more closely on my spending behavior and even found further potential despite my basic low spend attitude. Now I'm preparing a Hartz IV/citizen's allowance experiment for at least 3-4 months (or more) for the second half of the year. Simply because I feel like challenging myself. My planned expenses and provisions according to the budget only just exceed my theoretical entitlement to citizen's allowance. More info coming soon on Instagram. After March and April, I was again able to record expenses of less than €1,000 per month in May. This will change in June due to a large annual insurance premium, but maybe I'll be lucky and stay at a maximum of €1,100 to €1,200. As in the previous months, I will continue to use the early summer in June for hiking, swimming and day trips.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 As well as the depot and budget review, there's also: @frugalfreisein

• One-pagers and carousel posts every Monday, Wednesday and Friday on topics such as wealth accumulation, frugalism and minimalism
• more story insights in the future
• Mindset, motivation & money-saving life hacks for your own journey

How was your May at the depot? Do you have any tops & flops to share? Leave your thoughts in the comments!

Dear Community,

I have a 20% satellite $GGRP (+0,31 %) in my main custody account, which I save €400 per month. Current position value approx. 31k.

In the separate, much smaller div portfolio, I have a few div ETF positions, including the $TDIV (-0,24 %) current position value 5k.

The absolute returns on both are slightly positive, so a sale would not entail any major tax disadvantages.

In your opinion, would it be worthwhile to simply switch the two positions? So with 31k in the TDIV and the GGRP from now on only small savings?

Thank you for your feedback 😊

My own milestone (tl:dr)

The starting point and the burning dream of the million

It wasn't just a number on a screen; it was a promise. The promise of freedom, of decisions that were not dictated by a paycheck, of the possibility of realizing dreams that went beyond everyday life. My goal? The 1 million euros in my deposit. A sum that seemed almost unattainable when I first immersed myself in the fascinating world of investing. But I couldn't let go of the thought. What if it was actually possible? What if, with discipline and the right strategy, I could achieve this seemingly utopian goal?

The fascination began to creep in. I heard about breathtaking returns and stories about people who became rich overnight by making smart decisions. The stock market, a place full of secrets and opportunities. My starting position was solid, an initial foundation stone had been laid, but I lacked a clear roadmap. I was at the beginning of a journey that would take me through highs and lows, from initial euphoria to sobering setbacks - and finally to a strategy that allows me to look to the future with confidence today.

The single stock era - lessons from the "wild west" of the stock market

Like so many, I started out with a desire for quick profits and a fascination for the possibility of getting rich quickly through individual shares. Why invest in the broad market when individual shares promised so much more? I plunged headlong into the world of individual shares. It was names that were in the news, sectors that were booming or personal convictions that guided me. Every share was a little adventure, every price movement an adrenaline rush.

But the reality was often different from the glossy prospectuses or the euphoric forum posts. The euphoria quickly gave way to disillusionment. I remember the year 2022. Like so many others, I experienced a market that suddenly no longer knew only one direction: up. In my personal heat map of monthly returns, deep red fields emerged that year and even before. Months with -1.3%, -1.7%, -2.0%, -2.4%, -2.8%, -3.0%, even -3.4% were not uncommon. That was painful. Every look at the portfolio was a sting.

However, the problem was not just the bear market itself, but also the way my portfolio was structured. Without broader diversification, my risk was unnecessarily high. If one share fell, a large part of my portfolio fell and @DonkeyInvestor said: I told you so :-) .

The turning point came gradually, but inexorably. Frustration at the lack of stability, the realization that my individual "strategic" decisions were often just a gut feeling, and the desire for a more calculable path to a million led me to a far-reaching decision. It was in November 2024 when I pulled the ripcord. The individual share "experiment" was over. It was time to realign my portfolio.

The realignment - from single stock turbulence to ETF stability

The decision was clear: a restructuring of my portfolio was necessary in order to invest stably and efficiently in the long term. The new anchor of my strategy was to be ETFs.

Why ETFs?

The answer was simple: diversification, lower costs and risk spreading. With ETFs, you can invest in hundreds or thousands of companies at the same time with a single investment. This means I am no longer dependent on the fate of a single company, but benefit from the growth of entire markets and the global economy.

The major restructuring started in November 2024 and was a phase of intensive analysis and consistent implementation. Individual shares were sold and the freed-up capital was immediately reinvested in broadly diversified ETFs. It was a liberating move, a departure from the emotional rollercoaster ride and a step towards a rational, long-term investment strategy.

Today, in May 2025, my portfolio has a market value of €210,000 and reflects this transformation. It is a carefully curated mix that aims to achieve my million-euro goal efficiently and with calculable risk:

• The Global Anchor - HSBC MSCI WORLD UCITS ETF ($HMWO (+0,17 %)
  ):

This ETF forms the core of my portfolio. It invests in around 1,600 companies from 23 industrialized countries and is my most important building block for long-term global growth.

• The US giant - S&P 500 USD (Dist) ($VUSA (+0,19 %)
  ): - My targeted bet on the innovative strength of the 500 largest US companies.
• The income powerhouses - JPM Global Equity Premium Income Active UCITS ETF ($JEGP (-0,63 %)
  ) and JPM Nasdaq Equity Premium Income Active UCITS ETF ($JEPQ (-1,17 %)
  ): My "cash cows" that provide me with continuous capital.
• The dividend champion - VanEck Mstr.Dm Dividend.UC.ETF ($TDIV (-0,24 %)
  ): - another pillar of my dividend strategy.
• Quality and dividends - Fidelity Gl.Quality Income ETF ($FGEQ (+0,18 %)
  ) and WisdomTree Gl.Qual.Div.Gr.U.E. Registered Sha ($GGRP (+0,31 %)
  ): ETFs that invest in high quality companies with sustainable dividends.
• US Dividend Aristocrats - SPDR S&P US Divid.Aristocr.ETF D ($SPYD (+0,15 %)
  ): Companies that have consistently increased their dividends for at least 25 years.
• The European focus - iSh.STOXX Europe 600 U.ETF ($EXSA (-0,05 %) ): a newer position that strengthens my diversification in the European region.

This structure forms the foundation of my current strategy: a clear core of broad market ETFs (MSCI World, S&P 500, STOXX Europe 600) is complemented by targeted satellites for high dividends and specific quality characteristics.

The strategy, or rather my roadmap for the future - discipline, cash flow and steady reinvestment

My path to a million is not a sprint, but a marathon that depends on discipline and a clear strategy. A significant amount flows into my portfolio every month - a total of € 1,610. This amount is made up of my active deposit of € 1,500 and € 110 from the reinvested dividends of the ETFs eligible for savings plans.

The distribution of my monthly savings plans is deliberately chosen to continuously strengthen my growth core:

• HSBC MSCI WORLD UCITS ETF (HMWO): 1,000 €/month
• VANGUARD S&P 500U.ETF DLD: 350 €/month
• ISH.STOXX Europe 600 U.ETF: 300 €/month
• WISDOMTREE.HMS.Z12/UN.XAU: 60 €/month (small proportion of gold for diversification and inflation protection)

The dividends are much more than just a nice bonus - they are a key driver for the growth of my portfolio through the compound interest effect. I'm already expecting an impressive €6,900 in gross dividends for 2025.

The challenge of dividend reinvestment

One problem that many investors also face is the challenge of dividend reinvestment at my bank, ING: automatic reinvestment only works if the net distribution of an individual ETF is at least €75.

If I haven't miscalculated and the dividends remain stable, this hurdle should be overcome for the ETFs in question.

Otherwise, I accumulate on my clearing account and then make a manual one-off investment in the VUSA or EuroStoxx600 as soon as a larger sum (between €500 and €1,000) has been accumulated, or I increase the savings plans to the two mentioned in the following month. This allows me to make the most of the compound interest effect and reduce the costs of transaction fees at the same time.

This approach has helped me to focus not on short-term gains, but on long-term growth and a steady income through dividends. It is a path that has proven its worth over the years and has continuously brought me closer to the goal of

1 million euros closer.

Looking to the future - The million within reach and the passive dream

My goal is clear: €1,000,000 in my portfolio. This milestone is not just a number, but the foundation for future financial freedom and the realization of my dreams.

Based on my current portfolio value of € 210000 (May 2025), my monthly investment and reinvested dividends and a realistic assumption of an average annual return of 8.0% p.a. (which is achievable for broadly diversified equity ETFs in the long term), I have a clear timetable in mind:

I will reach my goal of 1 million euros in the portfolio probably in April 2040. That is still about 14 years and 11 months of disciplined investing. The reinvestment of all dividends is the absolute key here. Without it, the road to a million would take almost a decade longer! This awareness motivates me anew every day.

Let's see if that works and whether I'll find this post on Getquin to repost again.

• $FUSD (+0,18 %) In principle, an S&P 500 consisting of around 110 stocks that "should" fulfill a few quality and dividend filters 🧐 TER 0.25%. An index ETF would most likely be the better choice here.

• $JRUD (+0,16 %) This is an actively managed ETF on the S&P 500 with currently around 250 positions and a TER of 0.2%. This fund has actually outperformed the benchmark index over longer periods of time. However, I see the risk here in the management (currently Raffaele Zingone and Piera Elisa Grassi) in the event of a change or a wrong decision. It is not for nothing that the specialist literature advises against actively managed funds🫣.

Both have the same reference index and therefore overlap. So what to do? Sell the Fidelity (possibly wait a few more weeks/months, as the tide is lifting all ships again) and keep JP Morgan or replace it with an S&P 500 Index ETF? In principle, the excess return is not phenomenal and the risk is relatively high.

For the sake of completeness, I would like to briefly mention the two other ETFs in my portfolio:

$TDIV (-0,24 %) The ETF "The European Dividend" focuses on high-quality dividend payers from industrialized countries with a focus on Europe. In my opinion, this has proved its worth in recent times as it has had less correlation with the overall market due to its defensive approach.

$GGRP (+0,31 %) This ETF is based on high-quality dividend-paying companies from industrialized countries around the world and also takes the momentum factor into account.

Fun fact: the combination of TDIV, GGRP and FUSD ensures monthly distributions😎 - but that shouldn't be a criterion 😆🫣

AHEAD: Starting next month, my Instagram monthly recaps will only show the most important facts and figures on the slides of the Instagram post. The detailed text version will appear here on getquin. This makes it easier to absorb the information and makes the Instagram posts clearer.

I will divide the monthly review into a portfolio update and a review for private finances. I could also create a separate review for dividends and reinvestments. My aim is to motivate people to take responsibility for their own finances and to build up their wealth. The whole thing is based on my experience reports from my personal everyday financial life, tailored to the respective target group for each sub-post. Let's see how well I succeed.

Here is the last All-In-One post.

While many have continued to panic about Trump, I think I have understood that the whole tariff issue is only intended to depress the markets so that the USA can refinance itself at much lower interest rates when a good USD 7 trillion of the USD 36 trillion of national debt matures this year. That's why I preferred to keep on hiking, while the portfolio rewarded me with plenty of dividends for the month.

I present the following points for the past month of April 2025:

➡️ SHARES

➡️ ETFS

➡️ DISTRIBUTIONS

➡️ AFTER-PURCHASES

➡️ CASHBACK

➡️ P2P CREDITS

➡️ CRYPTO

➡️ AND OTHER?

➡️ OUTLOOK

➡️ Shares

So the second of April was the aforementioned day of liberation. And it was indeed one, the day of liberation from the excessive overvaluations in US equities. Unfortunately, there was also other collateral damage, but in the end there will be none, as it is all just book losses.

The trap in the US government budget that I would like to briefly point out is the national debt to GDP ratio of 123%, as of March 2025. In Germany, it is around 63%. This is stiflingly high and means that economic output is not enough to keep the national debt in check! Therefore new new "money" has to be printed for refinancing. And this money reaches us through asset price inflation. The illustration is, of course, highly simplified, but that is why we invest.

A look at my portfolio shows me that my individual shares $NFLX (-0,02 %) my previous class leader $AVGO (+1,05 %) has at least just caught up in terms of performance. Nevertheless, Broadcom remains the largest position in terms of volume. Who knows for how much longer?

Netflix's performance has recovered to +184%, Broadcom's is +182%. I'm watching the spectacle, but I'm letting the savings plans continue. Nothing more will be done here, as Beate Sander once said: the horses stay in the stable. Behind the two draught horses $WMT (+0,03 %) 3rd place in terms of volume and $SAP (+0,7 %) in 3rd place in terms of performance with +110%. In the last review, I reported that the waste disposal service provider $RSG (-0,41 %) had risen steadily. It is now losing a few places again, but rising $V (-0,16 %) and $MA (+0,03 %) are rising together and both are already knocking on the door of the top 5 from the outside. The performance of both is similar and decent with +44%/+42%.

As always, the last places in the main stock portfolio are occupied by the same suspects. $NKE (-0,61 %) , $TGT (+0,01 %) and $HTGC (+0,13 %) are the smallest positions. In terms of performance, Nike and Target are the worst performers at -40%.$DHR (+0,1 %) as well. But that leaves me cold. In the current macro situation, this is hardly to be expected otherwise. The "neighbor indicator" fits, because most of the shoes on their doorstep (larger family) are Nike shoes. I'm thinking about adjusting my savings plans so that these values receive a higher proportion of my net salary.

➡️ ETFs

The impact of Trump's tariff policy was also clearly felt in the prices of my ETFs in April, leading to significant losses. It is important to remain calm in such volatile times and continue to invest strategically. Such phases are part and parcel of long-term asset accumulation.

➡️ Distributions

In April, I was pleased to receive 19 distributions on 8 payout days. This additional income stream is a valuable addition to my normal earned income, for which I am very grateful. I recommend everyone to build up this kind of additional income in order to become more financially independent from their traditional main job.

Traditionally, April is not a low-distribution month for me. This time, however, the distributions from my three large ETFs were not paid out at the end of March but in April, which distorted the distributions for both months. This effect made April the second-highest distribution month since I started investing. Otherwise, April is always slightly below the distributions of March.

➡️ Additional purchases

From the refunds below, I bought two one-off savings plans on the $GGRP (+0,31 %) and $JEGP (-0,63 %) executed. I would have liked to buy more, but I still don't want to touch the nest egg or reserves.

➡️ Cashback

In April, I received a cashback on my electricity bill and a travel allowance from my employer. Part of this was used to pre-finance future expenses and to top up sinking funds, while the other part was invested in an old portfolio via the aforementioned one-off savings plans.

➡️ P2P loans

With Mintos, there were no interest or redemption payments. I always withdraw incoming funds with availability. How are you doing with P2P? Are you also withdrawing from the investment?

➡️ Crypto

April was also a very volatile month for crypto investors. The unrest caused by Trump's tariff policy depressed crypto prices, similar to March. However, prices gradually recovered, indicating that the money supply is already increasing again. This is happening through new debt being purchased in the form of government bonds by the FED, which is essentially the equivalent of 'printing' money. Historically, the $BTC (+0,05 %) usually follows this development with a delay of just over 10 weeks, as it is strongly correlated to the money supply at 90%.

I am following the whole thing with interest. My preferred theory of cryptocycles still fits in with the current trend. We are moving back towards 100K and I expect a bullish crossover in Bitcoin. The limit orders are still in the market, even if it will be a long time before they trigger. Of course, I hope that the "normal" bear market will then resume. In a few months' time, we will know whether we will have seen another clear double top in the current bull market.

Here are two key figures from my crypto wallets: monthly performance: +5.5%, performance since the beginning: +56%.

➡️ And what else?

I'm continuing to delve deeper into the use of LLMs and am currently working on my prompting technique. The posts on my Instagram channel that I have published since March have been created with the help of AI, I have used AI to give me ideas for image generation, to have them created naturally and many of the quotes are also AI-generated. I use several LLMs and see significant differences in the outputs. This makes it more diverse and even allows me to merge multiple results. The models are also learning my writing style better and better, with longer generated texts you can still clearly read the generic, but I myself understand better and better how I can use the new technology to improve my productivity instead of letting it replace me. This also applies to my job.

As in the previous month, I am also focusing much more intensively on the topic of nutrition. I avoid added sugar as much as possible. So there was no chocolate bunny for me at Easter and I'm not hungry for chocolate or other sweets. That's a real miracle.

I've also increased my weekly exercise routine once again and am paying close attention to how my body is coping. Instead of two weight training sessions at home, I now do three, instead of three running sessions a week I do a lot and every morning I do some general fitness/cardio and core exercises for my stomach to warm up. The clear aim is to continue building muscle and strengthening my heart health. And I enjoy it, even though the temperature in my apartment has already risen towards 25° Celsius on some days.

I've been hiking twice in Saxon Switzerland, once just under and once over 30 km. On hiking days, I like to leave at 4 a.m. on the first Saxonia Express train. In the fall and early spring, this is even the perfect time to enjoy the sunrise on the sandstone cliffs. For me personally, this is pure healing for the soul and a real quality of life. I can enjoy it without depressing thoughts in my head because I know that my finances are in order and running on autopilot.

➡️ Outlook

May will be a no-spend month for me, simply because I feel like taking on the next challenge. Later in the year, I want to start a Hartz IV/citizen's allowance experiment. I should be able to do this most of the time, as my expenses in March and April were both under €1,000. I'm already looking forward to the evaluation at the end of the challenge.

Links:

Social media links can be found in my profile, also feel free to check out the Instagram version of my review.

Hi, my portfolio has reached a certain size and I would like to add some dividends. The goal is a monthly payout without neglecting the total return and growth - I am still missing an ETF to cover the months of Jan, Apr, Jul and Oct.

In my research are

WisdomTree Global Quality Div Growth ETF $GGRP (+0,31 %) and

HSBC MSCI World ETF $HMWO (+0,17 %)

and I can't decide because each has its "strengths"/"weaknesses" (e.g. TER, size, yield and growth at HMWO - diversification (less USA and tech), dividend at GGRP) - so I would be happy to hear your assessment and suggestions.

Thanks in advance for your input and

LG from Vienna

PS. The other ETFs in this "strategy" are Fidelity Global Quality Income ETF $FGEQ (+0,18 %) VanEck VanEck Developed Markets Div Lead ETF $TDIV (-0,24 %) and as a monthly push the JPM Global Equity Premium ETF $JEGP. (-0,63 %)

$GGRP (+0,31 %)

Hello, does anyone know how often the $GGRP (+0,31 %) pays out dividends. According to getquin only 3 times a year, but according to the facsheet quarterly. Unfortunately I can't find any data for the future on the homepage!

Do you know more?

Hello