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mr-wildestonks
@mr-wildestonks
5Mo·

Hi getquin community :)


I'm currently trying to decide on a relatively simple approach that should give me good exposure to growth stocks, while at the same time getting a decent amount of dividends for psychological reasons as I want to motivate myself. In the future I may avoid individual stocks, but for now the stocks I've chosen are there to give me more exposure to the energy and real estate sectors and more dividends.


My portfolio goal is:


$CSPX (+0,25 %) - 25%

$TDIV (-0,6 %) - 25%

$EXXT (+0,57 %) - 25%

$SDHY (-0,05 %) - 5%

$O (-0,37 %) - 10%

$VAR (+0,45 %) 5%

$HAUTO (+0 %) - 5%


Ideas/feedback are very welcome!


Edit: translated into German (please forgive any mistakes) and simplified my post as it was too confusing.

7 Commentaires
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Staatsmann@Staatsmann
5Mo
Why did you choose these particular securities?

With ETFs in particular, you would probably be better off with a $IWDA, even if the distributing variant offers a better return.

$VAR I wouldn't be interested in an ETF with negative cash flow just to be able to pay dividends.

$HAUTO I don't know enough myself.
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mr-wildestonks@mr-wildestonks
5Mo
@Staatsmann My analysis for the selection of these ETFs was:

$CSPX and $EXXT: growth component, as these tend to outperform the global index. I want to avoid too much risk, so I didn't just choose $EXXT.

$TDIV As a counterbalance to the strongly US and technology-oriented stocks of $CSPX and $EXXT, this ETF contains more industrial and European companies.

$SDHY - Some diversification with bonds, also good dividends.

$O - Some diversification with real estate, plus monthly dividends, which are a good way to keep you motivated at the beginning.

$VAR - Some diversification with the energy sector, also good dividends. I used to be based in Norway, so I have some bias towards Norwegian companies as I know them (but obviously not their financials as I didn't know about the negative cash flow). But I agree that this doesn't seem to be too good.

$HAUTO - Mainly dividend related, but the company also seems to have a good growth path.

Would you say this thought process makes sense? I'm a complete novice when it comes to investing :)

Or would it be best to just stick with $IWDA and get rid of all other securities.
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Joe@JED92
5Mo
i'm going american on my etfs - 3 fund portfolio. VUSA + EQQQ + TDIV/FUSD. 33% in each (TDIV/FUSD combined is close to SCHD for europeans).

EQQQ gives you plenty of growth, the latter two great dividends

I have worldwide exposure elsewhere but the US keeps smashing it

Good luck
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mr-wildestonks@mr-wildestonks
5Mo
@JED92 After some analysis I've also decided to go with a more US- and Tech-oriented portfolio, while still trying to keep some level of diversification. My goal is to re-balance and reach the following distribution: 15% $ISAC, 15% $SMEA, 20% $IUIT , 50% $CSPX .
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Joe@JED92
5Mo
@mr-wildestonks nice. looks good. interesting mix. it's not too dissimilar to mine. I've also got a chunk of my assets in BND indexes, including all world, but my ETF mix isnt too far off what you're doing.

I can't see the US falling behind the rest of the world, plus if the US tanks, Europe & the world will also fall.
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mr-wildestonks@mr-wildestonks
5Mo
@JED92 I've been thinking about keeping some amount invested in Bonds. Right now my goal isn't to get income from the investments but the diversification aspect of the investment is interesting to me. Currently analysing if I remove Bonds altogether for now, or keeping around 5% in $SDHY or $XUHY. But as I don't know much about Bonds, I'm still not 100% sure on what to do.
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Joe@JED92
5Mo
@mr-wildestonks this is exactly what i've been looking into today. Hoping to start a conversation - https://getqu.in/QpDWiO/

bonds went tits up as we'd say in England a couple of years back, so not sure how strong they are in a recession

check out Raisin 'overnight' savings accounts - quarterly pay out and up to 100k backed by european banks (even if shitty rating, which I wouldnt recommend though). i've got some money in a 3.3% flexible account that interest-wise can change, but it's fully backed by european govs and zero fees and i can get it out immediately if the market crashes and i need the cash to invest in the dip
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