3Année·

Moin moin,

What would you recommend to a 50 year old who wants to slowly build up his portfolio and wants to have a decent portfolio at about 60 years, what would you bet on there?

Personally, I would have now as an anchor on the $VWRL (-0,47 %) and with small amounts the $FUSD (-0,46 %) bespart to build up dividends.

What would be there your way you would take?

Thank you and have a nice evening :)

22 Commentaires

Epi@Epi

3Année

10 years is a pretty short time on the stock market. Pure stock portfolios can be under water for 15 years. 30-50% bonds should be included if passive income is the goal.

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Philipp@philipp_ktz

3Année

@Epi Sorry wrongly expressed my it should be saved now so 10 years and then handed over, the depot should run 20-30 years at least

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Epi@Epi

3Année

@philipp_ktz Understand. May there be redeployments at some point?

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Philipp@philipp_ktz

3Année

@Epi Yes possibly sometime in the $VHYL but let it run like this for now

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Pinky and the Donkey@DonkeyInvestor

3Année

@philipp_ktz Please do not switch to $VHYL. Then rather save directly at $VWRL and stick with it. Switching will probably cost an incredible amount of taxes. See also: Why you should not bet on high dividends with a long investment horizon: https://app.getquin.com/activity/rROZDjNjkK

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Epi@Epi

3Année

@philipp_ktz If you bet on DivGrowth for the long term, you should end up with a better dividend than on HighDivs.

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Philipp@philipp_ktz

3Année

@Epi yes have now decided as the bulk for the AW and a small portion of the $FGEQ is bespart :) Thank you very much!

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Epi@Epi

3Année

@philipp_ktz Shouldn't be too wrong. Now it's time to hang in there. 👍

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Tom@tom_finance

3Année

In any case, I would take a defensive approach with a focus on dividends.

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Philipp@philipp_ktz

3Année

@Tom_quality_investor Yes, that's exactly why the two ETFs, the $FUSD for the slow build-up of a dividend portfolio.

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Tom@tom_finance

3Année

@philipp_ktz How do you want to weight those two? They are two good ETFs. Many still like the Dividend Aristocrats etf

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Philipp@philipp_ktz

3Année

@Tom_quality_investor Yes exactly, think about 70 or 80% the AW remainder one of the dividend growth setfs actually tend more to the $FUSD

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Pezi@Pezi

3Année

Depends on how risk-averse he is and whether he needs the money right at 60.

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Philipp@philipp_ktz

3Année

@Pezi rather invest something passive and the money , the money is not needed directly but a small source from dividends should then be available

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Pezi@Pezi

3Année

@philipp_ktz write about the sums we are talking about.... I'm at that age myself, but I wouldn't invest too conservatively. If it doesn't work out for me, I'll just work half a year longer 🤷🏼

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Pinky and the Donkey@DonkeyInvestor

3Année

As @Epi says, 10 years can be too little for a fat portfolio. Here it is important to weigh the risks and opportunities against each other. I once wrote something about this: Assessing the risk of a short investment period correctly https://app.getquin.com/activity/oyjGfrRRfr

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Philipp@philipp_ktz

3Année

@DonkeyInvestor Sorry If I ask again but would you go for an Etf for dividend accumulation/growth with that time frame then?

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Pinky and the Donkey@DonkeyInvestor

3Année

@philipp_ktz you don't have to apologize for asking. That's what the community is for 😊. With a 20 year+ investment horizon and the desire to receive dividends later, I would absolutely go for dividend growth. Doesn't have to be with the $VWRL, but can be. In any case, I do it like this

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Philipp@philipp_ktz

3Année

@DonkeyInvestor Yes many thanks to you :) Have then thought of the already mentioned ETF with the $VWRL mixed, this however in contrast to the AW only small weighting

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Pinky and the Donkey@DonkeyInvestor

3Année

@philipp_ktz I do not know the $FUSD

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Philipp@philipp_ktz

3Année

@DonkeyInvestor Okay, thank you anyway. Have a nice evening :)

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Pinky and the Donkey@DonkeyInvestor

3Année

@philipp_ktz ebenso

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