As mentioned in the previous post, the time has come to add the $TDIV (+0,11 %) to the portfolio, other shares will be purchased later trying gradually to lower the PMC I entered with. Compared to my current composition, this ETF goes to decrease the U.S. exposure by going to diversify mainly in the markets of the old continent; also from the currency point of view, it allows diversification against the dollar so I think it is a really good graft. Let me know what you think!

Hey dear users,

I probably have a very complicated portfolio composition, with which I can actually sleep very peacefully - nevertheless, I would be pleased to receive one or two assessments from you.

I am now 21, so I still have a very long investment horizon. I currently invest around € 1100 per month in my portfolio.

Sometimes I still ask myself why I don't keep it "simple" - like VWRL, TDIV, gold, Bitcoin... done.

Individual companies probably appeal to me too much.

Hence my breakdown:

Buy&Hold/Dividend growth depot= 60%

Grow-Depot= 40%

Buy&Hold-Depot

Divided to 45% -base =65% $VWRL (+0,21 %) & 35% $TDIV (+0,11 %)

5% crypto = Bitcoin, Solana, ADA

50% individual stocks, as well as gold from 12% to 3.5% "portfolio share"

Grow depot

Each position should be expanded to 10%. These are only companies that historically perform very well & are relatively attractive to me. (Nvidia, Broadcom, Amazon, Iberdrola, Cintas, Booking, Costco, SchneiderElec, Intuitive Surg, ServiceNow.

It looks as if the $TDIV (+0,11 %) would do particularly well in bear markets. I know that this is a great oversimplification and I don't want to explore the reasons here. Instead, I want to take a much more pragmatic view.

A - someone has both ETFs in their portfolio and is now switching from TDIV to the World.

Thanks to the gains from TDIV, he now invests more in World than he initially had capital for and is currently receiving more World shares due to the price decline.

If the market then returns to the overriding trend, significant price gains can be expected.

In this scenario, two "small" levers take effect, so to speak, and you trade anti-cyclically. The biggest challenge is getting the timing right.

B - someone sees this article and now starts to save in the TDVI or makes a one-off purchase. He trades cyclically and momentum-oriented. (In 2022 he would probably have been right for many months, but who knows how long a bear market lasts and when it is over). The biggest challenge is getting the timing right.

C - continues to run a savings plan on both ETFs and believes he is guaranteed to outperform A and B in the long term. (Of course this is not true) but he has read it so often on Getquin that it is impossible to convince him otherwise. 😢

$IWDA (+0,3 %)

$HMWO (+0,45 %)

$VWRL (+0,21 %)

How do you proceed and what are your thoughts on this simple topic?

Hi everyone,

I am in my mid-20s and still at the beginning of my time on the stock market and would like to invest for property and to close the pension gap. I am currently pursuing the growth strategy and only have accumulating ETFs in addition to individual shares. With the current dividends, I remain well below the annual tax-free allowance.

In your opinion, does it make sense to start investing in a distributing ETF such as $JEGP (-0,41 %) to take advantage of the tax-free amount or would you only start doing this when you need additional (monthly) CF in addition to your salary/pension?

Further tags: $TDIV (+0,11 %)

Just wanted to ask what you think of the savings plans.

$KO (-0,22 %) 70€ mntl.

$MAIN (-0,69 %) 60€mntl.

$MWRD (+0,43 %) 120€mntl.

$EIMI (+0,47 %) 80€mntl.

$TDIV (+0,11 %) 80€mntl.

Would you change the savings rates here?

Hello everyone,

I've been thinking about how to invest my first €10,000. I would like to pursue the core satellite strategy.

What do you think of the following allocation?

• $VWRL (+0,21 %) (approx. 20%)
• $TDIV (+0,11 %) (approx. 15%)
• $BTC (+1,18 %) (I already have a part, the rest I will buy -- 10%)
• Cash (5%)

The other 50% will go into the first 10 shares.

• $PLTR (-0,48 %) (4x)
• $CAT (+0,57 %) (2x)
• $HOOD (+1,47 %) (7x)
• $MCD (+0,07 %) (2x)
• $AMZN (+0,51 %) (2x)
• $NOVO B (-0,86 %) (6x)
• $KO (-0,22 %) (7x)
• $STR (+0,96 %) (is my employer, have been invested for approx. 5 years -- 6x)
• $AAPL (+0,19 %) (3x)
• $SHOP (-0,48 %) (5x)

I would like to end up with a total of about 15 shares.

In the next three places would be the following shares:

• $NU (-0,03 %)
• 
  $HIMS (+1,9 %)
• 
  $SOFI (+0,76 %)

I look forward to hearing your opinions and wish everyone a successful week.

Best regards

Sherlock✌🏻

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 (+0,16 %) or $TDIV (+0,11 %) 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?

Hi all guys!!!

I would like to share with you my ideal portfolio allocation, as read from the title it is still a work in progress, I am slowly adding positions as opportunities arise.

A little context: I am 24 years old, a final year medical student, and I am slowly putting money aside that I can invest both through my part time job (preparing for the medical test and tutoring for first year exams) and through the savings I already had set aside. The platform I currently use to invest is Directa.

Let's say that my goal at the moment is to reach over the years an invested amount of 50k euros in ETFs and distribution stocks, ideally distributed as follows:

CORE

-30k in growth-oriented developed markets etf (10k/30k)

Those selected are. $FGEQ (+0,14 %) (10k/10k) , $TDIV (+0,11 %) (0k/10k) and $HMWO (+0,45 %) (0k/10k), so as to have income every month, as they distribute alternately;

SATELLITE

-5k in emerging markets etf (0k/5k)

I chose $IEEM (+0,65 %) to diversify;

-5k in high-distribution etf (2.5k/5k)

In this category I own. $VHYL (+0,22 %) ;

-5k in active option-based etf (5k/5k)

Here I have already completed my position in $JEGP (-0,41 %) , which by the way distributes monthly ;

-5k in single Italian stocks (0k/5k)

In this category I have already selected some of the possible additions, such as. $PST (+0,83 %) , $ISP (+1,42 %) e $TRN (-0,48 %) , but at the moment the prices are too high and I am not willing to buy now;

Considerations and Strategy Explanation: I start by saying that I know that at my age it would be better to buy accumulation instruments for the best taxation and growth over time, but personally the idea of receiving a monthly cash flow (albeit still small) without having to do anything at all has an important psychological impact, and seeing it grow slowly gives me a lot of satisfaction and motivates me to continue on this path. I started immediately by positioning myself on high-dividend etfs such as $JEGP (-0,41 %) e $VHYL (+0,22 %) so that I already had a small boost in the strategy; I hoarded $FGEQ (+0,14 %) during the first week of April by taking advantage of the flash crash that took place, and now I am accumulating liquidity in anticipation of another possible reversal: ideally the next move will be to start accumulating shares of $TDIV (+0,11 %) to diversify in currency as well: last note, the etfs chosen are also from different issuers so as to diversify in this aspect as well.

Let me know what you think!

I once built a distributing divi paper Etf portfolio with a fictitious budget of 10k. With the % rates, I was a bit of a @lawinvest and the @DonkeyInvestor donkey. FTSE distr. as the basis (thanks to the two of you for showing me why it is better than random ass high dividend yield/growth ETFs), VanEck satellite with an additional S&P distr. for extra growth. US share is then just over 60% in the distribution, but I think you should also see this if you press the bottom of the portfolio.

What is your general opinion on such an allocation? And what do you think about (dividend) growth? I'm just 21 and there's still a lot to grow ;)

The only thing that bothers me a bit is the sectoral distribution. Energy and real estate stocks are already quite short, the consumer staples share is also quite low, but manageable mmn. That then with individual stocks, such as $O (-0,55 %) or $SBMO (+0,3 %) balance this out?

Well, should I reallocate, gold will definitely be added, or I won't sell it. $BTC (+1,18 %) would then be added in tranches.

Or rather a $XYLP (-0,25 %) 40% + $VWRL (+0,21 %) 60% strategy? (The % rates were pretty random tbh) I find covered calls really interesting.

What do you think?

$FTWG (+0,43 %)
$TDIV (+0,11 %)
$SPY5 (-0,07 %)

So now I have thought long enough and from $O (-0,55 %) to $TDIV (+0,11 %) and switched from

Savings plan from $O (-0,55 %) was dissolved.

The savings installment from $O (-0,55 %) was evenly divided into $IWDA (+0,3 %) , $SGBS (-0,66 %) and $TDIV (+0,11 %) and

I am now missing out on the monthly dividend. But I think the expected growth will make up for this.

In addition, my USA share has been reduced.

Carsten