LoginSignup
image de profil
Epi@Epi
1Année
Very nice! Lots of savings, solid investments - now the fruits are being harvested!

As this side of the investment (pension phase) is still rarely discussed, I feel somewhat underinformed. I'm wondering what the perfect (for my profile) de-savings strategy is and what impact it has on my strategy in the savings phase. Unfortunately, there is a lot of superficial and incorrect information online.

I have sooo many questions for someone who is currently in this situation... 🤷
•
30
•
Utilisateur supprimé
1Année
Le commentaire a été supprimé
image de profil
Epi@Epi
1Année
@tjwr Do you realize that there is absolutely no difference between a partial sale and a dividend payment? 🤔
•
3
•
Utilisateur supprimé
1Année
Le commentaire a été supprimé
image de profil
Epi@Epi
1Année
@tjwr Assuming you were right in assuming that partial sales in long bear markets are detrimental to assets, then the mirror image of dividend focus in long bull markets would be detrimental to returns. And since bull markets usually last much longer than bear markets...
••
Utilisateur supprimé
1Année
Le commentaire a été supprimé
Utilisateur supprimé
1Année
Le commentaire a été supprimé
Detlef@Lawikhan
1Année
@tjwr
I won't have an abundance of money 😂
But I have fallen on my nose several times with partial sales (keyword FIFO). This has a permanent impact on my return and so I have opted for the dividend option.
•
1
•
image de profil
Gordon@GordonGecko_official
1Année
@tjwr You're a real crash prophet, when will the next one come?
••
Eggplant@Eggplant
1Année
@Epi From my point of view, what you have written only makes sense if the dividends were not reinvested.
Otherwise you are destroying your own argument that dividends are value-neutral.
••
Eggplant@Eggplant
1Année
@Epi However, there are differences that become particularly interesting in the savings phase. What, how and how much to save are relevant points.
Most of the time, all I read here is nice theory, which could usually only work if you have a portfolio like Saidi from Finanztip, namely just one single accumulating ETF.

As long as you are in the savings phase, portfolios with 50 different securities are no problem at all. If there are 50 dividend stocks, then the decumulation phase without capital depletion is not a problem - otherwise it might be.
••