András (@Spinat) su getquin

3Settimana·

Portfolio feedback requested

I (early 50s, so still a good 15 years to work on the portfolio) would like to hear your opinion. I've been with Trade Republic since January, mainly because of the 4%. But then I started saving a few ETFs, then buying and selling a few shares. So I played around. At the moment my portfolio has three or rather four different parts. Let's put it this way, the family treasury has given me around €10k to play with. The rest remains in call money.

Of this 10K I would like to have a part to play, individual stocks, §IWDA, other ETFs that are close to me because of my work, XRP.

But that's not my topic here.

I want to build a dividend portfolio. Reduce working hours or improve pension, we'll see where the journey takes me. For now, I would reinvest all payouts.

The composition from December would look like this:

$MCD (-0,31%) 15%

$O (+1,22%) 9%

$TGT (-0,34%) 3,5%

What do you think about the composition? Should something go in/out?

My aim would be to distribute the monthly distributions evenly. I'll have to play around with the ratios a bit.

My problem is that the months of January, February, April and May look too poor. What would you suggest that pays out in these months?

Roast me!

29 Commenti

DerMartin@DerMartin

3Settimana

I wish you all the luck in the world. But I don't think it will work to reduce your working hours.

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Rmann@Epi

3Settimana

Oh dear, where to start? Your plan is full of typical beginner's mistakes. Sorry.
Example :

10k does nothing for your pension. Especially if they are invested defensively. 5% divs make 40€pM. You're wasting more of your life on the subject!

Dividend strategy, especially after monthly distributions, is rubbish in terms of performance. Underperformance under all scenarios.

Fees, diversification, risk profile - all suboptimal in your proposal.

My guess is that your Ministry of Finance is against investing in the capital market because it fears risk like the devil fears holy water or it simply sees your lack of experience. Basically, however, it has no understanding or even interest in the topic. This, together with your desire for peace and your own lack of experience, ties your hands and you look for a strategy that will show immediate success and increase the family income. That's why you're pursuing the irrational strategy.

My tip in this situation: take a look at the 200-day strategy and portfolio concepts. Above all, you can use them to reduce risk. Explain what you find there to the Ministry of Finance or, even better, involve it in your learning process until it gains confidence. Then you can significantly increase the portfolio amount to a sensible level and pursue a rational, high-return, low-risk strategy, e.g. MSCIWorld + gold + 200-day strategy = 8%pa under 20% drawdown.

Good luck! 👍

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Matthias@Rebellion81

3Settimana

I wish you every success and all the luck in the world, but I don't understand the request in your text. Gambling? Dividend deposit? Costs? 15 stocks? I would rather recommend an ETF in the Sp500 and that's it.

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Kai@Dividenden-Sammler

3Settimana

I would be interested to know the criteria for your selection of individual stocks. There are a few that make me wonder why. I would also choose other ETFs.
If the amount of the dividend should be a decisive factor for the selection - it is not always good to judge by it. Just like the months in which the investments pay out their dividends. It's better to look for reliable quality companies and invest in them.

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Jupp D.@JuppDupp

3Settimana

For the small sum, I would only take the $VHYL

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Aktienmasseur@Aktienmasseur

3Settimana

You should first familiarize yourself with the basics of the stock market and the tax disadvantages of dividends. You don't need dividends on the stock market to have a cash flow. Keyword withdrawal strategy.

In this context, you should always take a defensive approach and never gamble with your hard-earned money. Your money deserves nothing less than perfection. Ideally, always use a broadly diversified global ETF. You want to grow your money, preserve it but never burn it. Analyzing individual stocks is a full-time job and in 90% of cases no individual investor beats the global economy in the long term.

So set up an ETF, define your goal and increase your income. Then you will also be able to retire earlier.

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Sparfuchs@Reinecke

3Settimana

This is called risk investment. Only an Alphakevin plays with money.

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Melchior@ColdzeroNL

3Settimana

IF you have 10K don't use more then two ETF's or stocks because the fee's will kill you if you have to pay that 15 times. Also the maximux you can expect in total return is something like 67.000 with a 8% return and adding 100 euro each month.

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Vanguardium LeviOsa 🥪@Stullen-Portfolio

3Settimana

"What nonsense!"
...that was my thought about your post.

I'm sure it will help you to look at the response from @Epi and @Aktienmasseur in particular.

ETF rules!
...you might also like to read a book by G. Kommer on the subject.

Greetings
🥪

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Beat The Bank@randomdude

3Settimana

Let me get this straight: you want to build up a dividend portfolio with part of the 10K, reinvest the distributions, but don't want to make any additional savings in the portfolio? And you want to play around with the rest of the money?

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