2J·

Swarm Intelligence Needed - Portfolio 07/2026

My portfolio is growing and thriving, just like my idea to $LDGL (-0,62 %) to add to my portfolio.

Now the question is, how would you proceed strategically? One option would be to $TDIV (+0,6 %) split it in half (no capital gains tax since it’s in Switzerland) and then invest half in the $LDGL (-0,62 %) .

Starting in July, the monthly savings contributions would then go into the 3ETF in increments of €1,000 each.

What are your thoughts on this?

27 Commentaires

I reduced my savings plan for Tdiv and increased it for ldgl—or rather, I made one payment to each.
I'll keep both at the same level, but I wouldn't reallocate the funds.

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AI sagt@GoDividend

@nitroxx I like the idea of achieving rebalancing through additional contributions

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Olli@Olli68

@nitroxx Exactly like that 👍

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TaubeSmash@TaubeSmash

@nitroxx Thank you! So you're just going to keep pulling the L&G up until it's the same size as the $TDIV?

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A@nitroxx

@TaubeSmash Exactly—I'll reduce his weight a bit more and then give them both equal weight.

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ShrimpTheGimp🦐@ShrimpTheGimp

I wouldn't rebalance; I'd just pause TDIV. With €2,000 a month, it's growing quickly anyway. Do you want to rebalance these?

Isn't $VHYL another option? I'm contributing to these three ETFs in addition to $SPSA. I think they complement each other very well.

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TaubeSmash@TaubeSmash

@ShrimpTheGimp I'd put it on hold for now, at least until the $LDGL reaches the same size as the TDIV. I'd also like to weight both equally. I don't have the other two on my radar. What's your take on the ETF 3klang? Best regards

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ShrimpTheGimp🦐@ShrimpTheGimp

@TaubeSmash I just don't want to put all my eggs in one basket. 😅 Each of these ETFs basically serves a different purpose. With its broad diversification (including EM), the VHYL provides a solid foundation. The TDIV provides stability through quality growth, and the LDGL specifically focuses on companies with sound financial fundamentals. I think these three work really well together. But of course, it’s a matter of personal preference.

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ShrimpTheGimp🦐@ShrimpTheGimp

@ShrimpTheGimp And $SPSA basically does the same thing as your $VWRL, just with small caps.

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A@nitroxx

@ShrimpTheGimp I agree with you; I have both of them in my savings plan, too.

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Mr. K@TechNav

Would not reallocate

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TaubeSmash@TaubeSmash

@TechNav I wouldn't have wanted to reallocate everything anyway. I'd rather have 10k as a starting point and then set him aside more than the $TDIV

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grudo@grudo

Why did you choose the " $LDGL " instead of a growth driver?

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TaubeSmash@TaubeSmash

@grudo It’s not final yet. I’ve just realized that I’m not really the type to invest in individual stocks, so something like the $EQQQ is actually a good option for me. But those are currently priced far beyond “good” or “bad,” and besides, I’m unsure whether the U.S. will outperform everything again over the next 10 years and whether I want to position my portfolio even more heavily in the U.S. Since I like dividends anyway and am optimizing for monthly cash flow, the $LDGL is basically my only real option. But I’m having a reeeally hard time deciding. Do you have it in your portfolio?

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grudo@grudo

We're following roughly the same strategy—except that in 2025 I invested a larger sum in $XNAS and have just let it run ever since. I’m now up nearly 60% on that investment.
I’ve only recently started contributing to the$TDIV as a counterbalance to my tech bet and, of course, for cash flow—even though its domicile in the Netherlands isn’t necessarily tax-advantageous in Austria. But I haven’t found an ETF that suits me better.

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ehrlichergauner@ehrlichergauner

@grudo As an Austrian, I feel the same way you do and see the dividends—despite the brutal taxation—as 🍒 icing on the cake 👍

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JM@jm_finance

I'd also put the TDIV on hold for now; other than that, your portfolio is similar to mine—I've only had the $LDGL in my portfolio since June... I'm also thinking about adding the $EQQQ to the mix :-)

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TaubeSmash@TaubeSmash

@jm_finance Thank you! Haven't you tried the " $EQQQ " yet either?

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JM@jm_finance

@TaubeSmash... yeah, exactly, it got a little too "hot" for me, too.... I'll probably try to get a good deal through a monthly savings plan....

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beardonfire@beardonfire

Why don’t you just start adding $LDGL and not selling anything?

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TaubeSmash@TaubeSmash

23H

@beardonfire I think I'll do it this way, but it will take a long time for the ETF to generate significant returns.

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beardonfire@beardonfire

15H

@TaubeSmash if you don’t spend dividends, you can also buy $LDGL for all the dividends, it will accumulate faster 🙂

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Christoph@ChrisBizz

Interesting discussion and ideas. I have $TDIV and $VHYL, and I think $LDGL might be a good addition. The other ideas are exciting, too 👍🏻

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TaubeSmash@TaubeSmash

23H

@ChrisBizz I've been thinking about it for a long time 🤞🏼

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Max@Anakreon

Maybe another small-cap ETF

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TaubeSmash@TaubeSmash

@Anakreon What's the idea behind this?

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Max@Anakreon

@TaubeSmash The MSCI World Index is heavily weighted toward large caps and covers “only” 85% of market capitalization—the remaining 15% consists of small caps. Historically, they have shown less correlation with large caps and offer broader sector diversification, different cycles, etc., and have also outperformed the broader market over long periods.
It should be noted, however, that small-caps are somewhat more volatile and the corresponding ETFs tend to have a slightly higher expense ratio.

I would include them in the portfolio at a weighting of 5–10%.

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