2Sem.·

I would appreciate some constructive help!

I have been investing myself since 2013 and started with individual shares and options (leverage products). In my youthful recklessness, I had to learn the hard way. Fortunately, I have been able to recoup my losses very well over the years.

For this reason, I have steered clear of options since 2014 and now only invest in individual shares and ETFs.

In 2023, I started to set up a portfolio for my retirement provision (see below). For this reason, I liquidated my old portfolio with good profits and reinvested them in the new portfolio.

The new portfolio is saved monthly in the amount of EUR 800.00 through savings plans. Some of you are probably wondering about the large position $PFLT (-0,09 %). I have held this single share since the beginning and it offers a good cash flow with few price fluctuations.

I follow a dividend strategy myself, so I always have some liquid funds available and can allocate them better to the individual positions.

The position $PSEC (+0,91 %) will not continue to be held after a dividend cut.

It's not the best portfolio. But so far I'm satisfied. Nevertheless, I would be very happy to receive help and tips from you. ☺️

Thank you already for your feedback!!! 👌🏻👍🏻

24 961,29 €

8

53 Commentaires

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2Sem.

That are a lot of positions. I should reduce the ETFs and invest more in world and sp500

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2Sem.

@Demas
Thanks for your tip. I think I should reduce my positions a bit. I've already put a few World ETFs and S&P 500 ETFs on my watchlist.

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2Sem.

@_ake_ they are all right but remember you are still doing better than most of the people which don't invest thier money at all!

Try to simplify. I personally like to stick with just 3 ETFs and few stocks. Also don't start to diversify with the ETF too 😁 (it's easy to over think but remember ETFs are the best options for the average person)

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Chucky075@Chucky075

2Sem.

There are too many Etfs and above all many that are duplicated ( region)

I would keep the $VHYL, the $ZPRG, $XIEEand the $ISPA sell all the others and invest the money in the 4

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2Sem.

@Chucky075
Thanks for the tip!
I'll take a closer look at it over the next few days.

What do you think of this ETF $HMWO?

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Chucky075@Chucky075

2Sem.

@_ake_since you are betting on dividends, you could add something to it $SDIP

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Chucky075@Chucky075

2Sem.

But through the 4 mentioned Etfs you get monthly dividends and through the Msci Europe you lower the US share somewhat

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2Sem.

@Chucky075
I'll have to take a closer look at that one. But I'm a bit put off by its poor performance. ($SDIP)

I'll have a look at the other 4 ETFs over the next few days. 👌🏻👍🏻

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Chucky075@Chucky075

2Sem.

As I said as an admixture, I'm saving until I have about 15 shares

Another option is the $QYLE

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Chucky075@Chucky075

2Sem.

I have both in my portfolio as a small admixture

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2Sem.

@Chucky075
I have already looked at this ETF ($QYLE) and I think I will buy it.

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DADlikesCRYPTO@DADlikesCRYPTO

2Sem.

@_ake_ But remember there are still options etc. behind the ETF.

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Chucky075@Chucky075

2Sem.

@_ake_ my focus is also more on dividends, it motivates me to keep investing

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Chucky075@Chucky075

2Sem.

@DADlikesCRYPTO so a small admixture is ok

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Voir toutes les 11 autres réponses

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Aktienmasseur@Aktienmasseur

2Sem.

The poor returns speak for themselves. Less focus on individual stocks and full power into ETFs

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Chris@Chris-1989

2Sem.

That says it all, in a year like 2024 your portfolio with its 4% underperformed everything else you see here (returns between 12 and 25% even without crypto) as well as all ETFs (between 20 and 30% returns).
You write in your post that you have learned the hard way, apparently not enough yet.
I would sell all the positions you have and invest everything in a broad ETF, in the long term you will sleep better with it and your money will also be noticeably more

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2Sem.

@Aktienmasseur
Thanks for the tip!
As I said, I'm still in the process of setting up and I've already received some good tips here. Which I will also take into account.
Thank you very much. 👌🏻👍🏻

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2Sem.

@Chris-1989
I agree with you. But there are also many portfolios here that are not doing so well. Every little bit helps.

Of course things could definitely have gone better.

As I said, I will take a close look at the portfolio over the next few days and reorganize it.

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Bullnbear@Bullnbear

2Sem.

You've been at it for a long time, but with the portfolio amount / performance / positions I would rather put everything into a growth ETF and buy more of the dividend stocks, of course dividends are then less but let's be honest, nobody can live reasonably from their cash below half a million with a healthy dividend yield. Reaching this amount will be difficult with the positions. If you really want to stick with dividends, take a look at the covered call ETFs.

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2Sem.

@Bullnbear
Thanks for your tip! 👍🏻👌🏻
I will look into these growth ETFs over the next few days. Unfortunately, I haven't heard anything about them. Even though I've been around for a very long time.

I agree with you there. It's not supposed to generate my entire livelihood either. But we know that things aren't looking so rosy even with my pension. That's why it's supposed to improve my retirement provision a little.

But I'm grateful for any tips. ☺️

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Bullnbear@Bullnbear

2Sem.

@_ake_ I would love to. I have often seen here that some people use a combination of $GGRP, $FGEQ & $VWRL, which together result in monthly distributions.

With a growth ETF, I use $EQQQ in my junior portfolio; anyone who can handle US + tech will have a lot of fun with it.

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2Sem.

@Bullnbear
I even already have the ETF $FGEQ in my portfolio. But I still have to deal with all the impressions here.

Thank you in advance. 👌🏻👍🏻

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Meikl_22@Meikl_22

2Sem.

Hello, why so many ETFs? (19 if I haven't lost count)
4% performance in a year in which, for example, a world ETF made 27%. Are you really satisfied?

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2Sem.

@Meikl_22
Hi. 👋🏻
I don't think you've lost count. I can't even really tell you that. But you always read that you should diversify. But I probably overdid it a bit.

4% performance may not sound like much. But you have to add to that the approx. 3.5% from dividends and then I don't think it's so bad. Of course it could always be better.

I am also aware that some people find it very low. Of course, I could invest 60-80% in a world ETF. I have already read up on this.

I've already picked out one that I'm going to add to my portfolio tomorrow. ($HMWO)
What is your opinion on this?

I'm still in the discovery phase at the moment and will be changing the portfolio in the near future.

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Kai@Dividenden-Sammler

2Sem.

@_ake_ So with a broadly diversified world ETF such as the MSCI World, FTSE Allworld or an ACWI, you are more than sufficiently diversified and all with just one ETF. More is not possible. In my opinion, you can also include an S&P500 ETF. Pick one of these, make it the largest position in your portfolio and that's it in terms of diversification in your portfolio.
The $HMWO is good - concentrate on it and clear up your ETF clutter.

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Meikl_22@Meikl_22

2Sem.

Diversify, yes. But I doubt that you can diversify better with the amount of ETFs that you can with one...
The $HMWO is distributing and similar to the $IWDA (which is accumulating).
You can do that, of course.
Maybe it's also something for you if you want it to be distributing - A1JX52.

What are you planning to do with the rest?
I would keep it as simple as possible. Less is more and maybe the 8th wonder of the world (Albert Einstein) will tell you something... 😉

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2Sem.

@Dividenden-Sammler
Thanks for your tip! 👌🏻👍🏻
I really will sit down over the next few days and look into it. I would like to leave the proportion of shares unchanged. Starting tomorrow, I'll be adding two more dividend stocks to the portfolio. ($FNTN & $HTGC)

Then I will keep the proportion of shares for the time being.

Then I would remove all duplicate ETFs from the portfolio. But first I have to get an overview.

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2Sem.

@Meikl_22
I already realize, and I was almost aware of it, that I simply own too many ETFs. 😂

I'll start by looking at which ETFs I can take out of the portfolio. You're right that I own some ETFs that are duplicated in the portfolio.

As I said, I would like to leave the proportion of shares as it is.

I agree with you there. Often less really is more. 😂

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Kai@Dividenden-Sammler

2Sem.

@_ake_ Yes, you should never lose sight of the big picture. That's why you should keep your portfolio as simple as possible. Especially with ETFs, less is always more. You don't need duplications. A maximum of 3 ETFs is actually quite sufficient. If you have more, you run the risk of increasing duplication among the ETFs and that won't add anything to your success.

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Meikl_22@Meikl_22

2Sem.

@Dividenden-Sammler Absolut! 👍🏻

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2Sem.

@Dividenden-Sammler
Great, then that's what I'll do.

Thank you very much! ☺️

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DADlikesCRYPTO@DADlikesCRYPTO

2Sem.

Look at your overlaps and see what you don't like about them.
Take an All World or possibly a World+EM and then, if you like it more, add a dividend ETF.
For your conscience, it would also be possible to choose all 3 as distributing funds.
Liquidate all the others and put them in the ETF.

That would be my approach now.
Give it some thought and then get started, otherwise you'll get bogged down.

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2Sem.

@DADlikesCRYPTO
So you agree with the previous speakers. 👍🏻👌🏻 That's very good and I can work well with that. I will do this in the next few days.

I think JustETF even has a tool that shows the overlap. I'll have a look at that too.

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2Sem.

With a strong focus on dividends, you will underperform the market in the long term. Why do you want that?

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2Sem.

@Epi
I think this is due to the fact that I lost a lot of money when I started out. That's why I play it a little safe with the dividends.

After all, I don't just pull money out of my sleeve. 😂

Maybe I need to work on my own attitude again. But I think I'm on the right track.

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2Sem.

@_ake_ Are you aware that you are even riskier with a pure value/dividend strategy than with a broad market ETF?
Value/dividend stocks in particular lose disproportionately in a crash because a high dividend yield is often a sign of a lack of prospects and high company risks.

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2Sem.

@Epi
I am fully aware that I am taking a very risky approach. I've had many of these shares for over 10 years and they really crashed during the coronavirus crisis.

Let's take $PFLT for example. It was down over 50% during the coronavirus crisis. I simply bought more and it didn't do any harm. Of course, things could have gone differently. But I have recouped the capital invested over the years through the dividend.

But I'm keeping a close eye on these shares. That's why I'm no longer saving in $PSEC.

But I will take another closer look and reorganize the portfolio.

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2Sem.

@_ake_ So to summarize once again: you lost a lot of money at the beginning because you were risky and are now playing it safe by being very risky.

I don't understand, sorry. 🤷

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2Sem.

@Epi
I don't only have risky stocks that I hold and, as I have already written here, I will take a closer look at my portfolio and will then restructure it.

I have now received a lot of tips that I will be able to apply and implement.

I am of course also open to criticism and will also accept your criticism. 👌🏻👍🏻

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financial_guru_285@financial_guru_285

2Sem.

Your portfolio is too small to bet on capital preservation and dividends now, you can do that when you have reached the first million, in your place I would put 40% in Bitcoin and 60% in the Nasdaq100 and leave it for 8 years. Then you'll probably be at around 200-300k.

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