2Mo·

What's next....?

Good morning,

I am quite new to the subject of investing etc. My knowledge ? I'm sure 99% of you have more.

And that's where I really need help. I am 39 and would like to build up a cash flow with dividends. Yes, I know that investing would be better in the long term. But I realized first hand how a little cold can lead you to the intensive care unit with 9 months of sick leave (including rehab etc).

That's when I realized that you also live in the here and now. Of course I also want to think about tomorrow, but I want to be able to do both. I would like to start with 250€ /month. I have in mind etf like $HMWO (-0,67 %) , $VHYL (-0,19 %) , $ISPA (-0,4 %) ,$TDIV (+0,09 %)
$ZPRG (-0,27 %) , $EUHD (+0,17 %)
$VWRL (-0,7 %) in mind.

And yet I am unsure . How much in whom, which one do I take ? should I possibly consider others ? Does the selection make sense at all? Do I want a distribution every month (would be great)?

At the moment I don't need the distribution and would reinvest it.

So many question marks buzzing around in my head .... Do you have any advice?

Thank you very much

16 Commentaires

TaubeSmash@TaubeSmash

2Mo

For the savings rate, take 1 broad ETF like the $VWRL and from a certain size (mid five-digit range) you can add 1 dividend ETF ($TDIV)

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Max@Divident_e

2Mo

Accumulating is not necessarily better. Dividends have their justification. Don't let anyone tell you otherwise

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Dividendenopi👴@Dividendenopi

2Mo

As @TaubeSmash already said, concentrate on an ETF with your savings rate for 1 or 2 years to start with. And if regular dividends are good for your soul, then turn that around and start with e.g. the $TDIV and reinvest the dividends in an all world as a first extension. Do this consistently, no matter what the markets do, and get a feel for how setbacks, price rises and the first dividends affect your state of mind 😇😉

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𝒻𝓇𝓊𝑔𝒶𝓁 𝒻𝓇𝑒𝒾 𝓈𝑒𝒾𝓃 🗽@frugalfreisein

2Mo

Accumulation can certainly be better if your custody account volume is important to you as a figure. But it won't do you any good. When you sell, you always get less back because of order fees and taxes.
There is also the issue of tax on the advance lump sum. Yes, this can also apply to distributors if they are low, but not that significantly. You won't notice it at first because the tax-free amount might absorb it. But at some point it just gets on your nerves and you always have to keep extra liquidity for it. That's just rubbish.

For me, the distributions are the measure of all things. Of course I also pay taxes, but they are still more advantageous for me. And in addition to the general lessons such as "you decide for yourself how you reinvest (or not)" and "it helps you psychologically to have distributions when the market crashes", your 9-month sick leave is exactly the kind of example I've always been looking for to support my argument. You're just happy if you can top up your sick pay with dividends. In a situation like that, selling hurts even more. That's why I advise everyone to focus exclusively on distributors, at least when it comes to ETFs. Even if they are only moderate distributors. 2% to max. 4 or 5% is the way to go (for me).

I have several ETFs in several portfolios. The portfolios have different strategies. And without saying which ones I have in detail and how heavily weighted they are, I'll just list the babies that pop into my head 🥰: $VWRL $VHYL $VUSA $TDIV $FGEQ $GGRP $JEPQ $ZPRG $SPYD $SPYW $IWDP $ISPA $IMEU. They're not all of them yet, but these are the ones that come to mind. The order does not allow any conclusions to be drawn about the position size. They are all built into the portfolios so that there are distributions every month. 🤑

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Bene@bene87

2Mo

We recommend this article:
https://getqu.in/nN2cDl/

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Rene@Rene22

2Mo

I wouldn't invest in too many at the beginning either. 2 ETFs are enough to start with.

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