Florian (@fcfleming) su getquin

It makes little sense to focus on dividend growth when retirement is already two years away. I would rather buy companies that already pay high dividends.

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Mister_ultra@Mister_ultra

1Anno

Shortly before retirement, you are in the classic savings phase. Growth should no longer be the focus here, and even if I don't normally think much of it, something in the direction of high dividends is more appropriate in this phase. I prefer a Verizon with 5% dividend than a Microsoft with less than 1%. In addition, especially in view of the changed interest rate level, bonds! A German Bundesschatzanweisung offers you more than 3% interest with a maturity of about 1.5 years and zero risk. Also short-dated corporate bonds or government bonds offer themselves. Best of course also on a euro basis. Important to me in this phase would be a high cash flow. The price development is then rather unimportant. Better 5% distribution and 2% price growth than the other way around. Therefore my idea: 25% High Dividend ETF 25% Div Growth 25% short-dated government bonds or directly German bonds 25% broadly diversified bonds (e.g. something in the direction of Global Aggregate Bond ETF) Then you have a little Growht with it (25%), but this majority is on distributions.

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Seventrader@7Trader

1Anno

I find this question too general - there are still some factors or circumstances that need to be considered. E.g. how is the current housing situation, how high is the expected small pension, are there pre-existing conditions that could indicate an earlier death, is there additional income in the pension, etc. Maybe it makes sense for them to just spend the money and fulfill their big dreams. Or are you already looking at your inheritance?

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TomTurboInvest@TomTurboInvest

1Anno

2 years before retirement 80% in ETF and individual stocks... puhh daring. Do not misunderstand, but I'm glad that I manage my money for the pension itself and not sometime in the hands of my children must give and the then my pension verspekulieren 🤷🏽‍♂️ I do not know of course except the small pension, how it looks otherwise so.

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Krynt@Krynt

1Anno

Shortly before retirement, there is no need to focus on dividend growth.

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Mac M.@Kronos_

1Anno

There are a few good dividend stocks missing Rio Tinto, Allianz, Post , Johnson and Johnson , Cola,

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Tom@tom_finance

1Anno

Replace individual shares with bonds

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Hendrik@hendrik_lmr

1Anno

I think I would choose 50% $VHYL and 50% bonds, as long as the bonds yield +3% interest.

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Stuttgarter81@Moneymoney

1Anno

Dividend etf I find good 👍🏻... I would then no longer take individual shares - too high risk. I would also invest a part in long-dated bonds - I think the 60/40 strategy makes sense. Can be supplemented with a few gold coins and time deposits - Targobank now offers 3.5 percent for 18 months - was advertised yesterday at the cup final 😂.

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Patrick B.@MrBateman

1Anno

Max. 40% ETF (!), 40% bonds and 20% overnight money. Cash is for me daily money because available within 1-2 days. Now shortly before retirement it is called capital preservation before yield! Keep your hands off individual stocks. Adequate risk diversification statistically only from at least 30 positions across all sectors (finance, consumer, tech, etc.). Building up positions is only possible over time if the entry price fits or the cost-average-effect has the possibility to work via a savings plan. Do not run after a stock where the price is too high!

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