3Sem.·

Investment decision

Hi everyone,

I'm currently facing a question that everyone probably likes to ask themselves, but I have around €10,000 to invest and I'm not sure where to put it at the moment.

I am saving both the $TDIV (-0,05 %) as well as the $VHYL (+0,27 %) as a dividend earner but also the $IWDA (-0,03 %) as my core

My general goal is to have a good mix of dividend stocks ($KO, $SBMO (-1,05 %) etc) and growth/tech stocks ($GOOGL (-0,08 %) ). Overall, I want to continue this trend and therefore ask you for recommendations

3 Commentaires

Tom@tom_finance

3Sem.

Stock recommendations: do your own research
ETF recommendation: simply put everything in an All-World

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Metis@Metis

3Sem.

I would create target weightings if necessary and then simply allocate them to the existing assets on a percentage basis according to weighting.

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Uwe@SchlaubiSchlumpf

3Sem.

My recommendation, which you probably don't want to hear, would be to leave the core satellite stuff alone. Most people who do this have a core that brings returns (in the long term) and a satellite for gambling with an over- or underthinking tendency.

I would be against @tom_finance. There are other strategies than 100% $ACWI or other world ETFs. Some are even more promising. But what they all have in common is that you have to familiarize yourself to understand the pros and cons.
Why Google? Makes little sense quantitatively. It is a company that has had good growth in the past. I doubt whether this will continue in the long term. It would be an anomaly. The largest companies change regularly. Even if that doesn't mean you can't still make a return.
Same with dividends. Ask yourself the question "why". Dividends don't have any mathematical advantages, but they do have disadvantages.
If you want companies with solid profits in crises, you don't need dividends, but rather etfs on companies that are fundamentally well positioned. Take a look at the quality factor. If you want cash flow, make a payout plan for partial sales. Then you will at least get money when you need it and not when major shareholders need money. (See VW after the IPO of Porsche). You trade diversification and tax advantages of accumulating ETFs for feel-good factors such as cash flow. Many people should be aware of this.

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