Of course, you can (and should) do whatever you like when investing.
But please, please tell us what you read in which book that led you to invest in $SDIP?? 😳
Greetings
🥪
But please, please tell us what you read in which book that led you to invest in $SDIP?? 😳
Greetings
🥪
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@Stullen-Portfolio And who recommends
a) weekly savings plans and b) a dividend strategy with individual stocks for the withdrawal phase?
a) weekly savings plans and b) a dividend strategy with individual stocks for the withdrawal phase?
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@randomdude
I can well imagine that books that combine the words dividend and strategy in the title sell very well and that there is a fairly large target group for them.
...surely @Saarmupfel will tell us which author it trusts 🤙
Greetings
🥪
I can well imagine that books that combine the words dividend and strategy in the title sell very well and that there is a fairly large target group for them.
...surely @Saarmupfel will tell us which author it trusts 🤙
Greetings
🥪
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@Stullen-Portfolio hi, $SDIP was entirely my own idea, because I found the dividend rate of just over 8% interesting for the first year. In perspective, it should only run for a short time until the middle/end of the year and then disappear again.... so no recommendation from any book.... but I realize that the idea was probably not a good one, as the feedback suggests.
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@randomdude Weekly savings plans were another idea of mine, because it works and is statistically closer to the price trend. I saw a single investment only at the beginning of the month as disadvantageous, because that's when every savings plan kicks in and demand drives up prices accordingly. Ok, the volume that small investors like me demand via a savings plan is unlikely to really get the market out of control here, but I still found the distribution over time sensible. What are the arguments against it?
The number with the dividend strategy and the individual shares combined with ETFs actually appeared in different versions in the "Finanzkroko" book, but the choice of stocks was again my decision alone.
What would be the more sensible strategic approach from your point of view?
The number with the dividend strategy and the individual shares combined with ETFs actually appeared in different versions in the "Finanzkroko" book, but the choice of stocks was again my decision alone.
What would be the more sensible strategic approach from your point of view?
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@Stullen-Portfolio Basically, two authors were the driving force: Robert A. Wilson and Vitali Arnt
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@Saarmupfel As the capital markets tend to keep growing, it makes the most sense to invest your money as quickly as possible. As a rule, this should be at the beginning of the month when the salary is received. As far as I know, there is no evidence that share prices are higher at the beginning of the month than at other times.
With an equity ratio of 100% and dividends, you are banking on a pension supplement that is almost impossible to plan. You have to reckon with price drops of up to 50% and dividend cuts at any time.
I would invest in accumulating ETFs with an equity/bond mix that matches your age. In the withdrawal phase, you simply sell the annual requirement. Around 3% withdrawal makes sense. SPDR recently published a good study on this:
https://youtu.be/61KZh3qBumQ?si=aKkba_27cL2cUyvK
As far as I know, there is no scientific evidence for anything else. In German-speaking countries, Beck and Kommer have published on this topic and are known to regularly advocate this strategy on YouTube & Co.
With an equity ratio of 100% and dividends, you are banking on a pension supplement that is almost impossible to plan. You have to reckon with price drops of up to 50% and dividend cuts at any time.
I would invest in accumulating ETFs with an equity/bond mix that matches your age. In the withdrawal phase, you simply sell the annual requirement. Around 3% withdrawal makes sense. SPDR recently published a good study on this:
https://youtu.be/61KZh3qBumQ?si=aKkba_27cL2cUyvK
As far as I know, there is no scientific evidence for anything else. In German-speaking countries, Beck and Kommer have published on this topic and are known to regularly advocate this strategy on YouTube & Co.
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•@randomdude When I look at the above savings plan, however, I only see 4 pure equities and 5 ETFs (one of which we are looking at experimentally and which will probably leave the stage over the year and be replaced by something else)... It's not quite 100% shares. EUR 72 of the 122 go into ETFs, only EUR 50 into the individual stocks. If I look at the individual stocks over the long term (and that's what you should do over the 17-year horizon under discussion here), none of the individual stocks have fallen in the underlying trend, but all of them are on their way up with the usual sackers.
Nevertheless, thank you for the YouTube link, which I will take a look at later today.
Nevertheless, thank you for the YouTube link, which I will take a look at later today.
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@Saarmupfel I haven't looked at all the ETFs in detail. But they are probably also made up of 100% equities. Hence the 100% equity allocation.
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•@Saarmupfel
Yo, I would definitely recommend seriously reconsidering $SDIP...but it's still your decision. ✌️
There is also an answer to the question of which day might be the best for executing savings plans:
https://www.jantau.com/post/sparplantag-reloaded/
[Spoiler: it's at the beginning of the month - who would have thought? 😉]
Greetings
🥪
Yo, I would definitely recommend seriously reconsidering $SDIP...but it's still your decision. ✌️
There is also an answer to the question of which day might be the best for executing savings plans:
https://www.jantau.com/post/sparplantag-reloaded/
[Spoiler: it's at the beginning of the month - who would have thought? 😉]
Greetings
🥪
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•@Brody ok, then I agree with you... I understood it more as meaning 100% individual stocks... A broader diversification, e.g. in gold, real estate or crypto (but I'm not so convinced of that yet, probably because of my conservative upbringing) would of course also be on the plan or already partially realized.
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