3J·

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 (+0,29 %) , $VHYL (+0,53 %) , $ISPA (+0,84 %) ,$TDIV (+0,76 %)
$ZPRG (+0,57 %) , $EUHD (+0,36 %)
$VWRL (+0,3 %) 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

14 Commentaires

TaubeSmash@TaubeSmash

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)

•

tommycash@tommycash

@TaubeSmash You can still go sailing ⛵️

•

TaubeSmash@TaubeSmash

@tommycash VWRL builds the ship - TDIV sets the sails

•

tommycash@tommycash

@TaubeSmash What is your target composition?

•

TaubeSmash@TaubeSmash

@tommycash 80% $VWRL, 10% $TDIV, 10% $EWG2, whereby I am still looking to get started with gold and finally want to set up a savings plan. Are you sticking with forever 100% $VWRL?

•

tommycash@tommycash

@TaubeSmash still have rental income, so I'm quite happy with my one ETF solution and don't necessarily need more cash flow - but never say never 😁

•

TaubeSmash@TaubeSmash

@tommycash I understand! Do you have the properties near you or further away? I've had a few viewings in the Lake Constance area, as Zurich is impossible.

••

tommycash@tommycash

@TaubeSmash is all in the north of Munich in an urban area with good connections to the airport and the city of Munich. However, we inherited the property with the 3 units, only built on it ourselves and have been renting it out since 2022 👍🏻

•

TaubeSmash@TaubeSmash

@tommycash sounds pretty ideal with the location! I'll be heading towards Konstanz in the near future 🤞

•

tommycash@tommycash

@TaubeSmash yes, we were also able to sell half of the plot for around 2k/sqm - so we built completely with equity - not ideal from an investment point of view, but it was ideal for the head 🙌 keep your fingers crossed, happy to update then!

•

Max@Divident_e

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

•

Dividendenopi👴@Dividendenopi

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 😇😉

•

Bene@bene87

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

•

Rene@Rene22

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

••