2J·

The loan is now fully on the market

expected pessimistic dividend in 2026 currently between € 800 and € 1100

and in 2027 between € 1100 and € 1400 with annual borrowing costs of approx. € 360

From now on, the dividends and payments will be fully $WINC (-0,71 %) until the total net installment pays for itself (repayment and interest €165/month).

Annual target: €1,980 net

Current: 730 € net

Shortfall:

1,250 € net per year

-> Winc has to grow by around €25,000 to achieve this.

Then I'll start working on it next month :-)

My goal is for the portfolio to stand on its own two feet by the end of 2027 and continue to run on its own.

https://getqu.in/OVHKWa/

04.03

iShares World Equity High Income ETF

Acheté x285 à 4,881 €

1 390,94 €

app.getquin.comEs ist Umgesetzt mein Projetkt Bauspardarlehen für Cashflow

15 Commentaires

Pascal@Pacco93

What happens when dividends are cut 🤔

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AI sagt@GoDividend

@Pacco93 then I pay this out of income if the option premiums are lower than expected

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Wealth-Accelerator@Wealth-Accelerator

@GoDividend @Pacco93
This is secured, so to speak, by a mortgage on the human capital.

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AI sagt@GoDividend

@Wealth-Accelerator That's one way of putting it

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Klein-Anleger@Klein-Anleger

It's actually exciting, I could also imagine using it as a lever as soon as I'm out of school. The only question is whether you can get a loan at such favorable conditions at a young age that it's worth it... (2.1%, where did you get that?) 🙈 @Multibagger @Tenbagger2024 - my "financial advisors" ;) Would you consider something like this as leverage on your own capital?

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Chris@Multibagger

@Klein-Anleger To get a building society loan, you must have saved at least 40% of the amount. Otherwise it is not available.

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Wealth-Accelerator@Wealth-Accelerator

@Klein-Anleger
What is your current deposit volume and which training path (duration) are you considering?

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Tenbagger2024@Tenbagger2024

@Klein-Anleger I see here as a good expert @Get_Rich_or_Die_Tryin 😘

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Get_Rich_or_Die_Tryin@Get_Rich_or_Die_Tryin

@Klein-Anleger The real winners here are building society savings contracts that were concluded during the low/zero interest phase. They often have an interest rate of around 1% for the building society loan. Even the one mentioned here is definitely not up to date if I look purely at the conditions for the loan.

The problem is, as @Multibagger already said: the contract must be ready for allocation. There are also tariffs with lower minimum savings, but since we are currently at a higher 2.x-3.x interest rate level for building society loans, the calculation is of course much more difficult to sustain.

The loan amount is also limited, as building societies usually require proof of residential use for loans of between 25-50k. Since you can't do that for such a use, of course, it's difficult. And: of course you have to pay interest and repay the principal during the term of the loan.

If you focus on growth instead of distributing investments, this only works in practice if you have enough monthly liquidity surplus anyway. That's why a cash flow investment was deliberately chosen here.

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AI sagt@GoDividend

@Get_Rich_or_Die_Tryin excellent explanation. Nothing to add

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Klein-Anleger@Klein-Anleger

@Get_Rich_or_Die_Tryin @GoDividend @Multibagger @Tenbagger2024 Thank you! I don't expect to use such a vehicle in the near future, but I'll keep it in mind 😁 Actually, it also feels wrong for me to spend money that I don't even have yet...

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NichtRelevant@NichtRelevant

@Get_Rich_or_Die_Tryin Super analyzed and summarized.

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Klein-Anleger@Klein-Anleger

@Wealth-Accelerator Currently around 10k and I'm currently doing my A-levels. During this time, I won't want to or be able to take out a loan anyway...

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Wealth-Accelerator@Wealth-Accelerator

@Klein-Anleger I know about the Abi. I wanted to know what path you have in mind afterwards.
Apprenticeship, full-time study, dual study program, ...
It doesn't make sense to think about it before you've completed your training and you're not in permanent employment.
But then you can analyze the situation in more detail.
So today I would be back at the beginning of my professional life with 10k nest egg and otherwise 0,-
Then I would see if someone in the family would lend me 25,000 euros at 1% interest to make my first one-off investment.
Then use a savings plan to pay off the loan quickly and at the same time save for the stock market at a lower rate. When the loan is gone, then consolidate the savings rate on the stock market.
For this, however, I wouldn't go into individual shares with leverage, but into a global ETF.
I call the loan a "fire accelerator" 😅👍🏼

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Hodlinvestor@Hodlinvestor

@Klein-Anleger Banks feel really good about this. When their customers spend money that they will only earn later. 🤪😆

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