I think your depot is suuuuper. Looks like chatgpt helped build it.
Also an exciting strategy.
I've also spent the last few evenings restructuring my portfolio. Simply because I can't keep my feet still and a few individual stocks just spice things up.
I think my portfolio could look similar without the dividend stocks. I will probably increase the core share instead and go for S&P and EU momentum. 👍
Also an exciting strategy.
I've also spent the last few evenings restructuring my portfolio. Simply because I can't keep my feet still and a few individual stocks just spice things up.
I think my portfolio could look similar without the dividend stocks. I will probably increase the core share instead and go for S&P and EU momentum. 👍
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@wealth_navigator_2081 Thank you 🙏
It's been a long road with lots of back and forth... 😅
But it's all part of the process, it's also valuable experience.
Of course, ChatGPT was always there as a little reminder 😊 although we weren't always on the same page 🙈
Even though I'm "only" 38, I already wanted to deal with the topic of a withdrawal plan. Unfortunately, it's not talked about enough... That's exactly where my cash flow portfolio came from.
But thank you for your feedback and happy new year 😉
It's been a long road with lots of back and forth... 😅
But it's all part of the process, it's also valuable experience.
Of course, ChatGPT was always there as a little reminder 😊 although we weren't always on the same page 🙈
Even though I'm "only" 38, I already wanted to deal with the topic of a withdrawal plan. Unfortunately, it's not talked about enough... That's exactly where my cash flow portfolio came from.
But thank you for your feedback and happy new year 😉
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11
•It's definitely a good idea! I'm also only 33, but since I have all the shares in a holding company, I would first have to pay 30% trade and corporation tax on all dividends... That's why I don't yet know how I'm going to handle the withdrawal 🤪Wish you a happy new year too 🥂
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•@wealth_navigator_2081 Unfortunately, I'm not familiar with a holding company. 🥲 But you'll find a sensible solution.
Another thing I would like to point out... I will save my ETFs for 10 years and then switch to another issuer, e.g. $SPYY or $CSNDX and sell the newer ones first. That way, at least I'll have to pay much less tax when I switch, thanks to the FiFo principle. And more capital to work with.
If you have found a solution or strategy, please feel free to share it. I would be delighted and interested. 😊
Another thing I would like to point out... I will save my ETFs for 10 years and then switch to another issuer, e.g. $SPYY or $CSNDX and sell the newer ones first. That way, at least I'll have to pay much less tax when I switch, thanks to the FiFo principle. And more capital to work with.
If you have found a solution or strategy, please feel free to share it. I would be delighted and interested. 😊
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Hello Shrimp!
Thanks for your great input. I've now changed my mind again and have given the portfolio a higher individual value.
40% ACWI
10% gold
50% single stocks distributed among the following values:
- Microsoft (Software & AI)
- Alphabet (Search & Data)
- Amazon (e-commerce & cloud)
- Meta (Social Media)
Payment & financial infrastructure
- Mastercard (payment network)
- Visa (payment network)
- S&P Global (financial ratings)
- Berkshire Hathaway (conglomerate/holding model)
- Munich Re (global market leader in reinsurance)
Semiconductor & Software (growth)
- ASML (monopoly in lithography systems)
- Applied Materials (AMAT) (market leader in chip equipment)
- ServiceNow (platform for workflow automation)
- MercadoLibre (e-commerce & fintech Latin America)
Infrastructure & Defensive Anchor
- Waste Management (market leader in waste disposal)
- Linde (Gases - Global)
- Air Liquide (Gases - Europe)
- Procter & Gamble (Consumer Staples)
- PepsiCo (Consumer Staples & Snacks)
Luxury & Retail
- LVMH (global luxury market leader)
- Itochu (Diversified Japanese trading house)
Purchase Plan & Trading Centers Holding Portfolio
1. trading center & currency overview
To minimize spreads, these stocks should be traded on their home exchanges (or in the corresponding currency).
135,000 € in dollars for 15 stocks necessary. 45,000 € for 5 additional stocks
IMMEDIATE BUY (Cheap/Fairly Valued - Full €9,000 per stock)
- Alphabet (Google): Moderate P/E ratio compared to big tech peers.
- Berkshire Hathaway: Close to intrinsic value, perfect holding anchor.
- LVMH: Historically attractive entry point after sector correction.
- Applied Materials (AMAT): More favorably valued than chip designer.
- PepsiCo: Defensive discount to growth tech.
- Munich Re: Fairly valued global market leader.
- Itochu: Favorable P/E ratio despite Japan upswing.
- Gold (iShares Physical Gold): €36,000 one-off investment.
TRANCH BUY (high valuation - start with €4,500)
- Tranche 1 now, tranche 2 in 3 months, tranche 3 in 6 months.
- Microsoft, Amazon, Meta, Visa, Mastercard, S&P Global, ASML, ServiceNow, MercadoLibre, Waste Management, Linde, Air Liquide, Procter & Gamble.
---
2. strategy of the 3 tranches (total € 180,000)
- Tranche 1 (immediate): € 4,500 per share or immediate entry for special stocks (total: € 90,000) + gold (€ 36,000).
- Tranche 2 (In 3 months): €2,250 per share (total: €45,000).
- Tranche 3 (In 6 months): € 2,250 per share (total: € 45,000).
---
3. checklist for the purchase
- Currency: USD sub-account with broker covered?
- Limit: Generally only buy with limit orders (not "market").
- Time: Only buy US stocks from 15:30 when Wall Street opens.
- Gold: Implement iShares Physical Gold as a one-off investment (€36,000).
---
Note on cluster risk: Your US share, including ACWI, is approx. 60%. Due to the global dominance of these groups, this is absolutely justifiable for a quality portfolio.
The concept with the individual stocks will bring me a tax advantage of €100,000 - €200,000 in 10 years, depending on performance.
Have a nice weekend and thanks again 😉
Thanks for your great input. I've now changed my mind again and have given the portfolio a higher individual value.
40% ACWI
10% gold
50% single stocks distributed among the following values:
- Microsoft (Software & AI)
- Alphabet (Search & Data)
- Amazon (e-commerce & cloud)
- Meta (Social Media)
Payment & financial infrastructure
- Mastercard (payment network)
- Visa (payment network)
- S&P Global (financial ratings)
- Berkshire Hathaway (conglomerate/holding model)
- Munich Re (global market leader in reinsurance)
Semiconductor & Software (growth)
- ASML (monopoly in lithography systems)
- Applied Materials (AMAT) (market leader in chip equipment)
- ServiceNow (platform for workflow automation)
- MercadoLibre (e-commerce & fintech Latin America)
Infrastructure & Defensive Anchor
- Waste Management (market leader in waste disposal)
- Linde (Gases - Global)
- Air Liquide (Gases - Europe)
- Procter & Gamble (Consumer Staples)
- PepsiCo (Consumer Staples & Snacks)
Luxury & Retail
- LVMH (global luxury market leader)
- Itochu (Diversified Japanese trading house)
Purchase Plan & Trading Centers Holding Portfolio
1. trading center & currency overview
To minimize spreads, these stocks should be traded on their home exchanges (or in the corresponding currency).
135,000 € in dollars for 15 stocks necessary. 45,000 € for 5 additional stocks
IMMEDIATE BUY (Cheap/Fairly Valued - Full €9,000 per stock)
- Alphabet (Google): Moderate P/E ratio compared to big tech peers.
- Berkshire Hathaway: Close to intrinsic value, perfect holding anchor.
- LVMH: Historically attractive entry point after sector correction.
- Applied Materials (AMAT): More favorably valued than chip designer.
- PepsiCo: Defensive discount to growth tech.
- Munich Re: Fairly valued global market leader.
- Itochu: Favorable P/E ratio despite Japan upswing.
- Gold (iShares Physical Gold): €36,000 one-off investment.
TRANCH BUY (high valuation - start with €4,500)
- Tranche 1 now, tranche 2 in 3 months, tranche 3 in 6 months.
- Microsoft, Amazon, Meta, Visa, Mastercard, S&P Global, ASML, ServiceNow, MercadoLibre, Waste Management, Linde, Air Liquide, Procter & Gamble.
---
2. strategy of the 3 tranches (total € 180,000)
- Tranche 1 (immediate): € 4,500 per share or immediate entry for special stocks (total: € 90,000) + gold (€ 36,000).
- Tranche 2 (In 3 months): €2,250 per share (total: €45,000).
- Tranche 3 (In 6 months): € 2,250 per share (total: € 45,000).
---
3. checklist for the purchase
- Currency: USD sub-account with broker covered?
- Limit: Generally only buy with limit orders (not "market").
- Time: Only buy US stocks from 15:30 when Wall Street opens.
- Gold: Implement iShares Physical Gold as a one-off investment (€36,000).
---
Note on cluster risk: Your US share, including ACWI, is approx. 60%. Due to the global dominance of these groups, this is absolutely justifiable for a quality portfolio.
The concept with the individual stocks will bring me a tax advantage of €100,000 - €200,000 in 10 years, depending on performance.
Have a nice weekend and thanks again 😉
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11
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@wealth_navigator_2081 Interesting and good distribution per sector! How do you justify the tax advantage? From a purely tax perspective, aren't individual stocks worse off than an ETF (30% partial exemption)?
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