Hello everyone 👋🏻

I've been using getquin for a while now, but have only ever been a silent reader.

Briefly about me:

I'm 25 years old and have been on the stock market since mid-2021. I've been constantly investing in two ETFs since then. One is the $ISAC (+0,26%) and the $CSNDX (-0,01%) . I had briefly saved two more ETFs, but stopped doing so.

Furthermore, I have become more and more involved with the stock market, finance, etc. and have become an increasing fan of dividend shares. I would like to build up a small income on the side for my later future (50 years upwards). In case I no longer want to work 40 hours a week when I'm older. Until then, all dividends will be reinvested. I enjoy seeing the dividends continue to increase.

So since around March I have set up a savings plan of 10 dividend shares. And added two more individual shares. In the meantime, however, I'm considering discontinuing this or switching to one or more dividend etf. But the question is whether or not I should also save in my normal etf.

So would it make sense, for example, to save two non-distributing ETFs for retirement and two dividend ETFs for the last few years of work?

Nevertheless, I would mix individual stocks into my portfolio from time to time because I enjoy it.

My current savings rate is currently divided as follows:

-250€ dividend savings plan

-€450 for the two ETFs mentioned above

-€33.50 for capital-forming benefits (€6.50 from the employer)

-110€ etf Flex retirement provision policy

My savings rate could be a little better, but I bought a house with my brother 1.5 years ago which we renovated ourselves. It is not yet clear whether we will move in, rent it out or sell it. We bought it in a very sought-after area at a good price. But the loan is still a good 3-5 years away.

The performance of my portfolio definitely has room for improvement. However, at the beginning I made very questionable purchases from even more questionable companies. More in the direction of penny stocks. I sold them all. Except $SVA (+0,33%) . The money is "play money". At the time, I also bought some shares like$SAP (-0,03%) odwe $AMZN (+0,26%) in the Ath area.

Thank you in advance for any helpful feedback on my key question or simply on my portfolio.✌🏻