One for the Money, Two for the Show.
Dividend distribution number 2 for this year's $TDIV (+0,7 %) .
Will be reinvested with the next savings plan, although a few pancakes with maple syrup should certainly be in there in Canada. 🇨🇦
One for the Money, Two for the Show.
Dividend distribution number 2 for this year's $TDIV (+0,7 %) .
Will be reinvested with the next savings plan, although a few pancakes with maple syrup should certainly be in there in Canada. 🇨🇦
Dividend efits sensible or nonsensical?
What do you think of the following ETFs to add to your portfolio for regular cash flow? Some of these dividend ETFs have good dividend growth, others have outperformed the broad market at times. I am quite undecided. The Vaneck in particular, which is celebrated so much on YouTube, is an under performer in terms of price.
Here is a comparison with the $HMWO (+1,24 %) (since the launch of the most recent ETF). The worst performer was Vaneck and the best was Fidelity US Income.
Here in figures. Whereby the Vaneck has even beaten the MSCI World over a 3-year period, probably because it was the only one to generate positive returns in 2022. I would find the Vaneck interesting because of its high European weighting with a low US weighting and the dividend growth.
Since the Fidelity US Quality Income has a 100% US positioning, I don't think the comparison with the MSCI World is very conclusive and therefore here again with the S&P 500.
Here is the basic data plus yield including distributions.
And finally the distribution data, in my opinion there is no clear winner here.
Fun fact, if you had all four ETFs in your portfolio, you would have 10 months of dividend distributions per year. However, you would also have a lot of overlaps and therefore a high cluster risk.
Final thought:
When I started my research, there were many more dividend ETFs to choose from, but many of them ultimately fell through. Originally, I had hoped to come to a clear conclusion. However, after a thorough analysis, I have to admit that I'm still not sure whether investing in dividend ETFs really makes sense. In view of the advantages and disadvantages, I tend to view such investments critically and possibly avoid them altogether.
Do you have dividend ETFs in your portfolios? If so, which ones?
I have now cracked the 12k with pretty pure ETF's and would like to add a few growth stocks with a small amount in addition to the 4 ETF's. Maybe 3 with a 50 euro savings plan per month.
The ETFs are all accumulating and the goal is of course very long-term, i.e. growth stocks with which the tax-free amount could be utilized.
I find this interesting :
$ALV (+0,8 %) Allianz
$MSFT (+1,09 %) Microsoft
$GOOGL (+0,99 %) Alphabet
$PLTR (-1,19 %) Palantir
$NU (-0,82 %) Nu Holdings
$NET (+4,19 %) Cloudflare
$MELI (-0,23 %) Mercadolibre
$ABNB (+4,51 %) AirBnB
these are some thoughts.
Another option would of course be to invest 150€ in a $GGRP (+0,49 %) or $FGEQ (+0,85 %) or $TDIV (+0,7 %)
But these are just a few ideas. What do you think?
Hello community.
As some of you have already noticed, the grandpa is very dividend-oriented and cash flow is the maxim. My portfolio with currently just under 250k consists of 64% equities, 21% Bund and US short-dated bonds, some ETFs, some bonus certificates and physical gold. As the majority of my income comes from interest, dividends and rental income, I have been able to live very well with my additional high cash holdings from overnight and fixed-term deposits. Slowly but surely, this comfortable time is coming to an end for a security-conscious old man and he is starting to rethink and restructure. I may be 60 and no longer have a long-term investment horizon, but I can still plan for the medium term of 5 to 10 years. 250k is still tied up for 1 to 4 years at good fixed deposit interest rates for me (3.8 to 4.5%) with an annual payout. Now ING has come across me and is offering 3.3% overnight money via an extra account for 6 months, which I'll take. The free custody account too. And that brings us to the topic. I put 150k in the call money account (yes, I know deposit protection) and set up savings plans on ETFs with 8k per month for the next 1.5 years.
Of course I can't get away from cash flow completely, but a little growth with a manageable sum can't hurt. The basic idea is 50% in the world, 20% in dividends, 10% emerging, 10% Europe and 10% Russel.
US should already be appropriately weighted, I am not directly invested in tech, this should improve via world ETFs and I would also like to consider the rest of the world and a few dividends.
I have made the following pre-selection (as I said, it's about 8K per month in the savings plan):
50% world, half of this in $XDWL (+1,27 %) and the other half in$HMWO (+1,24 %) . Both very similarly structured, TER ok, both distributing, but in different months.
20% dividend ETF, half of which is in $TDIV (+0,7 %) and the other in $SEDY (+0,84 %) The latter one-fifth in China, the risk is manageable, otherwise a bit of a watering can and overall a small US share in both, which I cover via direct investments as I said.
10% in $IMEU (+1,03 %) which covers areas in which I have no exposure apart from $NOVO B (+1,62 %) and $HSBA (+1,51 %) I have no positions worth mentioning.
10% in $HMEF (+1,37 %) China, yes over 20%, the rest is ok for me and also includes information technology and financial services, which are very underrepresented in my portfolio.
10% in $IWM (+1,51 %) I am sticking to my US weighting and speculating on further effects from future interest rate cuts, even if some of this has already been priced in.
Finally, I would like to point out that I am not interested in the decimal place of the TER.
Overnight money will yield significantly less in the near future, growth does not harm my investment strategy, but it does not have to be the maximum return that can be achieved.
Putting everything into dividend stocks is suboptimal, so why not go "relatively risk-reduced" into ETFs in the medium term with part of my money.
Please give me your valued opinion on the approach and the chosen stocks, thanks for reading and have a sunny weekend.
Your dividend topi
Reached my second milestone of €20,000 8 months ago.
I have currently reached my milestone of €30,000.
The next target is €50,000.
I started with an MSCI World, EM and EuroStoxx600. The EM and EuroStoxx to reduce the USA lump a little. Since I am actually completely convinced of ETFs and only had ETFs in my portfolio, I wanted to bring some "variety" into the portfolio, even if it is a gamble for me. I then added Coca Cola $KO (-1,76 %) into the portfolio.
Subsequently, due to an emotional factor, I added a high-dividend ETF to the $TDIV (+0,7 %) into the portfolio to simply collect some dividends.
On 05.08, the "big" slump, I bought some more, as I still have large cash reserves set aside. I expected the market to fall further, but nothing happened.
At this point I decided to add three more individual stocks to my portfolio, $JPM (+0,94 %) , $V (-1,68 %) , $PG (-1,94 %) , but only as mini positions, as I think these companies are solid. I then invested a small amount in crypto to play with: Bitcoin and Ethereum. I'm waiting for a drop to invest and if I make a profit, I'd like to shift some of it into my ETFs.
I'm not an investing guru and I'm convinced that you can't predict anything in the market with certainty.
What is your opinion on the portfolio?