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Wow. I'm always jealous when someone has started so early. I'm soon 47 and have only really started 2.5 years ago. I'm still thinking about whether and if, when I go into the All World High Dividend.@Kundenservice when gets the All World High Dividend actually times the new Vanguard logo like the
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@six Yes, those were also my thoughts...the Perfomance is not quite so good with the "dividend ETFs". Have now dared the step some time ago and hope that my calculation works out :-)
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@jm_finance easier in retirement when fixed higher dividend payments come. Currently have the majority in the All World Thesaurierer (because of the tax advantage). However, I do not yet know how that runs in retirement. Selling shares at ING is still associated with higher costs. But in 20 years no one knows anyway how it looks. Am also considering a few years before retirement possibly also what to shift into bonds (make "one" probably so) 🤷🏻♂️
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@six....ja, I'll have to read up on the subject of "bonds" at some point....
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@six The topic of the "withdrawal phase" is unfortunately neglected by most experts and influencers. The two points you mention (allocation, settlement) are enormously important and must basically be considered from the outset, especially from a tax perspective.
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@six Once colleagues have the time to upload the logo with other logos. :)
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@randomdude what are you saving for and what are your plans for retirement? Or still too far away?
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@six My investment horizon is about 12 years. For this, I drive three-track: 1/3 Riester (special topic, is under observation 😉), 1/3 GTAA (see posts from @Epi on this) and 1/3 dividend ETFs. Idea is to later run withdrawal via dividends (+ Riester) on autopilot. Since the GTAA portfolio will be taxed, this gives me flexibility. But maybe I'll switch again and go to 2/3 on GTAA if practice confirms the backtest results.
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@randomdude exactly. But then I found good videos from 'finanzfluss' also regarding 'last in first out' and the topic 'Entsparen'.
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