Three ETFs. Twelve months. Not a month without a distribution.
Dividends feel different from price increases. A price gain is paper. A distribution is money in the account. This is not a discussion about optimization, this is psychology.
The trio:
🟢 Vanguard FTSE All-World Dist. (A1JX52) 3,600+ stocks, developed and emerging markets, ~1.26% div yield, TER 0.19% Distribution: March / June / September / December
🟡 Fidelity Global Quality Income (A2DL7E) Quality focus on industrialized countries, ~1.71% div yield, TER 0.40% Distribution: February / May / August / November
🔴 iShares STOXX Global Select Dividend 100 (A0F5UH) 100 top dividend payers from Europe, North America and Asia-Pacific, ~3.83% div yield, TER 0.46% Distribution: January / April / July / October
Together: 12 out of 12 months.
The milestones (net after German taxes, Ø 1.85% net dividend yield):
📱 Digital lifestyle Netflix/Internet/mobile phone
80€/mo: 52,000€
Depot → €500/mo: 6.7 years | €1,000/mo: 3.8 years
☕ Daily coffee
120€/mo: 78,000€
Deposit → €500/mo: 9.0 years | €1,000/mo: 5.3 years
🚗 Mobility leasing and insurance
350€/mo: 227.000€
Depot → €500/mo: 17.6 years | €1,000/mo: 11.7 years
🏠 Warm rent
1,000€/mo: 649,000€
Deposit → €500/mo: 28.7 years | €1,000/mo: 21.2 years
🎯 Financial freedom
€2,500/mo: €1.62 million deposit → €500/mo: 39.5 years | €1,000/mo: 31.2 years
An important note that many people forget:
Dividends are not free money. On the ex-dividend date, the share price is reduced by exactly the amount distributed. The money is transferred from the securities account value to the account, not added to it. If you don't know this, you might wonder why your securities account falls slightly on the distribution date.
Honest classification:
This strategy is optimized for monthly cash flow and motivation, not maximum final return. An accumulating MSCI World benefits from tax deferral and almost always outperforms in the long term. But if you need the monthly confirmation in your account to keep going, you are doing absolutely everything right here. Discipline beats optimization.
PS: Why these three ETFs?
Yes, there are dividend ETFs with 4, 5 or 6% distribution yields. Yes, there are individual stocks that pay 8% or more. That's not the point of this post.
This trio was chosen because it does three things at once: pay out every month, be broadly diversified and not take extreme cluster risks. If you want higher yields, you take more concentrated stocks and bear more risk. Both are legitimate, both are a conscious decision. The aim here was to provide an example that works for as many people as possible as a starting point.
The TER correction:
The TER of the Vanguard FTSE All-World Dist. (A1JX52) is correctly 0.19% p.a., not 0.22% as stated in the chart. My mistake, thanks to anyone who reports it. The average of the trio thus drops minimally to approx. 0.35% TER. Nothing significant changes in the milestone calculations.
Sources: Parqet, DivvyDiary, justETF, extraETF (as of May 2026). Taxes: 30% partial exemption, 26.375% capital gains tax. No investment advice.
What is your next milestone? 👇
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