2Année·

Dividend portfolio - later growth/blue chips

Hello and good evening everyone!

I would love to get some feedback on my dividend portfolio!

My goal is to get over €2,000 in dividends and more per year (I have €2,000 in the exemption order anyway due to marriage) and I would very much like to receive monthly cashflow.

I always have one strong dividend ETF and one growth ETF per quarter because I want to be broadly diversified:

1 | January, April, July, October

$EXX5 (+0,39 %) and $ISPA (+0,59 %)

2 | February, May, August, November

$FUSD (+0,44 %) and $IMEU (+0,6 %)

3 | March, June, September, December

$SPYD (+0,17 %) and $TDIV (+0,79 %)

I also came across REITS and BDCs not long ago, which I know tend to go sideways, but hopefully in a few years I'll have the investments in without buying new positions.

In the long term, I would rather switch to growth ETFs (or blue chips) for good growth, but I am also considering thematic ETFs such as

$IUIT (+1,58 %)

$IUHC (-1,02 %)

$ASWC (+0,03 %)

I find simply saving in the S&P500 with a savings plan kind of boring, and I don't know why.

I find it very difficult and too time-consuming for me to find the right time to invest in Microsoft, AMD, Stryker, Novo Nordisk, Cadence Design Systems, Walmert, Alphabet etc., for example.

I would keep my €500 savings plan on the 6 dividend ETFs running, but then add the themes ETFs to the savings plan rate.

What's your opinion - I'm curious!

Regards

18Positions

71 918,77 €

2,35 %

5 Commentaires

Julian@MoneyISnotREAL

2Année

Ich verstehe den Gedankengang nicht ganz:

S&P500 nicht mehr besparen, weil er zu langweilig ist.
Aber dann 2 Branchen (Technologie & Gesundheit) davon herauspicken und diese besparen (nur weil das die zwei stärksten gewichteten im S&P500 sind?). Zusätzlich sind es thesaurierende, anstatt ausschüttend, insofern du Dividenden "generieren" willst.

Wenn du es aufsplittest, holst du dir mehr Aufwand ins Portfolio, denn irgendwann wirst du "rebalancen" müssen, um deiner Zielsetzung wieder gerecht zu werden und eine Übergewichtung in eine Richtung (z.B. Tech) zu minimieren.

Mit einigen deiner Einzelpositionen gewichtest du die stärksten Position(en) im ETF über (Bsp.: Altria Group).

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BockaufDividenden@BockaufDividenden

2Année

@MoneyISnotREAL
Hey thanks for your feedback!

I picked out the two sectors, in particular the technology ETF, because it has performed better than the Nasdaq100 over the years.

I have too little technology in it overall anyway. Health because I think it always rises in the long term and defense too, you can see how politically everything in the world is getting mixed up...

These are deliberately accumulating for maximum capital appreciation, parallel to the dividend ETFs, where a good € comes in every month. I would gradually expand the accumulating ones from the savings plan and the dividend ETFs would simply continue to run.

(Altria Group is actually rather unsuitable, not to be compared with the REITS and BDCs, that's true).

Or can you recommend other, better accumulating ETFs with a strong focus on growth? I'm open to any advice :)

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Julian@MoneyISnotREAL

2Année

@getquinuser9999 The sector ETFs (technology & healthcare) are just one sector.

This naturally gives you a better chance of returns, as you can see in the tech sector, for example.
The healthcare sector is not doing so well compared to the entire S&P500.

If both sectors are doing the best and pulling up the S&P500, you have more return (because you don't have the "brakes"). But if the other sectors are doing better, then you are at a disadvantage.

It's all a question of your own perception of risk. You're making yourself dependent on just 2 sectors, which means less diversification.

Diversification usually means a loss of returns in high phases, but in low times it can dampen a swing into negative territory.

Just because the sector has performed well in recent years does not mean that it will perform well or better than the market for the next 40 years.

That's the question you have to ask yourself: are you convinced that the sector will outperform (in your case, the overall S&P500) - or not?

Can you stand it if these two sectors collapse and the others take off - sit out the loss?

I myself also have the S&P500, but I wouldn't take out a single sector. I'd rather do without the top few % return, but I'm not completely dependent on one sector.

On the subject of accumulators:
I understand why you choose them. Efficient asset accumulation through "tax deferral". Certainly a good choice.

On the subject of overlap:
Go ahead and look at your ETFs and individual positions, and do the "DeepDive". I think Morningstar even offers this on their website.

Finally:
You need to feel comfortable with your investment and be able to sleep soundly. There is no one way.

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Stulle 🥪@Stullen-Portfolio

2Année

Sich Gedanken zu machen finde ich ja grundsätzlich hervorragend, @getquinuser9999 , aber eventuell solltest du noch ein paar objektive Gedanken anderer (z. B. von Gerd Kommer via seiner Bücher) hinzuziehen, darüber Wissen vermehren, um so zu ggf. ausgereifteren Gedanken und einer insgesamt zielführenden Strategie inkl. einer entsprechenden Allokation zu kommen...🤷‍♂️

Gruß
🥪

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Mr. K@TechNav

2Année

Kurz vor der Rente wird mein Portfolio wie deins aussehen

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