The games are on 😇.... There are the growth freaks and the dividend freaks. It should be clear that everyone has their own opinion. Thanks for the insight, but the dividend opi really has to ask you why you are already fixated on dividends at such a young age? If I were young again, I would first make sure that my capital stock keeps growing. For me in my "old age" it counts differently. Find a nice broad world ETF and save for the next few years and keep an eye on your dividend stocks. They're already generating some cash flow, but I'm at least critical of the automotive industry, especially the German one.
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•@Dividendenopi Also note, looking for a stock only by payout month is nice for the inner monk, but does not bring any advantages. Look in the US healthcare sector or consumer sector, there are nice stocks with growth that even pay dividends in the months, if it should be individual stocks and divis
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1Mes
Hello @Dividendenopi
Thank you very much for your time!
Before I started investing, I did some research on the internet, read up and watched a lot of YouTube videos. I was always given the message that you should start investing as early as possible. As I was new to the whole stock market area anyway, I didn't want to skip anything and start with little risk. As a result, I focused on dividend payouts and became a dividend freak 😁. Now that I've been at it for a few months, I'm ready to adjust my portfolio (hence my question here) and take on more risk as I already feel more "comfortable".
I find it very exciting how an experienced dividend topi gives me the message that if he were young again, he would take much more risk. That makes me rethink my situation, because I said to myself from the start that I don't care whether I "lose" the money I invest during my training or not, because I want to learn and I'd better learn now at a young age instead of later when I become a dividendenopi myself😂
And why do you see the automotive industry as critical?
Thank you very much for your time!
Before I started investing, I did some research on the internet, read up and watched a lot of YouTube videos. I was always given the message that you should start investing as early as possible. As I was new to the whole stock market area anyway, I didn't want to skip anything and start with little risk. As a result, I focused on dividend payouts and became a dividend freak 😁. Now that I've been at it for a few months, I'm ready to adjust my portfolio (hence my question here) and take on more risk as I already feel more "comfortable".
I find it very exciting how an experienced dividend topi gives me the message that if he were young again, he would take much more risk. That makes me rethink my situation, because I said to myself from the start that I don't care whether I "lose" the money I invest during my training or not, because I want to learn and I'd better learn now at a young age instead of later when I become a dividendenopi myself😂
And why do you see the automotive industry as critical?
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•@Fixeira I am particularly critical of the German automotive industry at the moment. No matter what you think about electric cars, they first misjudge the entry, then jump on the bandwagon, but develop model series that are not suitable for the mass market. I refer to the oversized and very expensive SUV variants. They could also be sold outside Germany and subsidized in this country. The market is now crumbling away, the overconfidence is high. Insight is rather lacking. Despite the tariffs, the Chinese have a pretty good grip on our market, sales are collapsing in China, Tesla is the top dog in the USA, and a highly subsidized relocation of production to the States doesn't help either. And making progress in Germany is more than unlikely given the environmental conditions. It still looks quite good on the books in some cases, but I don't think it can be sustained. And after constantly shrinking results, it's also due to the dividend. They wouldn't be the first. Bayer and BASF, for example, have done it before. Dividend cuts are not a bad thing per se and can lead to a stabilization of the company, but in my view there is much more at stake here
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@Dividendenopi I've only just turned 19 myself and, according to you, I should be focusing more on growth stocks. In my opinion, my portfolio consists of a mix of dividend stocks and growth stocks. However, if I only invested in growth stocks now, my capital would (hopefully) grow faster, but in the end, if I switch to dividend stocks in order to live a little better in retirement, would I still have to pay out 1/4? Doesn't it make more sense to buy dividend stocks now?
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@Anton2527 You should pursue the investment strategy that you think is best for you. Especially if you are new to the subject, a broad-based ETF is a good first step. The past has shown that good growth can be achieved with moderate fluctuations. It remains to be seen whether this will also be the case over a long period of time in the future, but the probability is high. In addition, if you enjoy it, you can delve further into the subject and selectively add individual stocks, including dividend stocks of course. In my opinion, it is important to start investing at an early stage. Over time, you will develop a better and better strategy and make adjustments. And a lot also depends on whether you want to invest offensively or defensively. If you are defensive, you can get regular rewards with a dividend strategy, which is reassuring 😇. There is no one-size-fits-all approach. And growth, e.g. from ETFS, doesn't necessarily have to be converted; you can sell gradually as you get older and set up a withdrawal plan. You always withdraw the 1/4. This already applies to dividends, and in many countries the pro rata or full withholding tax is added on top. If you are inconsistent and don't reinvest the dividends, especially in younger years the temptation is great 😉, then you will probably end up with a worse performance and give away a lot of money. These are all the views of different investors with different approaches. Take out the information that seems important to you, don't let yourself be influenced too much by outside sources and follow the path that seems right to you.
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@Fixeira The following report was recently published in the Handelsblatt: Berlin. The German premium manufacturers BMW and Mercedes-Benz are increasingly struggling with weak sales in their most important market, China. From July to September, BMW deliveries fell by almost 30 percent year-on-year to just under 148,000 vehicles. The brand with the three-pointed star sold 170,700 vehicles, 13 percent fewer than in the previous year, meaning that China performed weaker than other regions of the world.
The market environment was "difficult" and "challenging", the carmakers explained on Thursday. "Overall lower demand, especially for luxury goods, and continuing price discounts, particularly in the EV segment, had an impact on sales in China," explained Mercedes-Benz.
The decline in sales accelerated for both carmakers in the third quarter, which was the main reason for Mercedes-Benz's second profit warning of the year and BMW missing its sales target.
While the overall market in China has been shrinking for months, there is a boom in electric cars thanks to government incentives. However, this is bypassing the German manufacturers because the Chinese competition is coming up with lower prices and smaller, more affordable models.
The market environment was "difficult" and "challenging", the carmakers explained on Thursday. "Overall lower demand, especially for luxury goods, and continuing price discounts, particularly in the EV segment, had an impact on sales in China," explained Mercedes-Benz.
The decline in sales accelerated for both carmakers in the third quarter, which was the main reason for Mercedes-Benz's second profit warning of the year and BMW missing its sales target.
While the overall market in China has been shrinking for months, there is a boom in electric cars thanks to government incentives. However, this is bypassing the German manufacturers because the Chinese competition is coming up with lower prices and smaller, more affordable models.
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