Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (+0,01%) Call money ETF. Div. 1.9%

15% $TDIV (-0,35%) VanEck Divi Leaders. Div 3.5%

10% $TRET (-0,28%) Global Real Estate. Div. 3.7%

7,5% $VHYL (-0,27%) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,07%) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+0%) Gold

5% $SEDY (+0,13%) iShares EM Dividend. Div 8.0%

5% $JEGP (-0,09%) JPM Global Equity Inc Div 7.1%

5% $EEI (-0,06%) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (-0,1%) High Yield Bond. Div 6.1%

5% $EXXW (-0,11%) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (+0,01%) Overnight ETF. Div 1.9%

12% $EQQQ (-0,34%) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+0%) Gold

2% $O (-0,12%) Realty Income 6.0%

2% $VICI (-0,11%) Vici Properties 5.6%

2% $OHI (+0,18%) Omega Healthcare 7.2%

2% $PLD (-0,13%) Prologis 4.1%

2% $ALV (-0,46%) Allianz 4.35%

2% $HNR1 (-0,08%) Hannover Re 3.4%

2% $D05 (+0,57%) DBS Group 5.5%

2% $ARCC (+0%) Ares Capital 9.3

2% $6301 (-1,17%) Komatsu. 4,2%

2% $1 (-1,14%) CK Hutchison 4.6%

2% $AENA (-1,66%) AENA. 4,2%

2% $LOG (-0,22%) Logista 7.3%

1,5% $AIR (+0,08%) Airbus 1.8%

1,5% $DHL (-0,08%) DHL Group 4.8%

1,5% $8001 (-1,31%) Itochu 2.8%

2% $RIO (+0,29%) RioTinto plc 6.4%

2% $LIN (+0,02%) Linde 1.3%

2% $ADN (+0%) Acadian Timber 6.7%

3,5% $BATS (-0,11%) BAT 7.0%

2% $KO (-1,13%) Coca Cola 2.9

2% $HEN (+0,12%) Henkel 3.0%

2% $KVUE (-0,16%) Kenvue 4.1%

2% $ITX (-0,8%) Inditex 3.6%

2% $MCD (-1,25%) McDonalds 2.6%

2% $690D (-1,1%) Haier Smart Home 5.6

3,5% $IBE (+0,19%) Iberdrola. 4,1%

1,5% $AWK (+0,24%) American Water Works 4.4%

1,5% $SHEL (-0,02%) Shell 4.1%

1,5% $ENB (+0,21%) Enbridge 6.5%

2% $DTE (-0,78%) Deutsche Telekom 2.8%

2% $VZ (-0,34%) Verizon 6.8%

2% $GSK (-0,57%) GlaxoSmithKline 4.2

2% $AMGN (-1,19%) Amgen 3.5%

2% $JNJ (+0,29%) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

What do you think of Enbridge? I love the business model, but I'm worried about the energy transition and the future of oil. Do you hold energy stocks?

Hello everyone :)

I would be interested in your assessment and swarm intelligence on the portfolio.

I've only recently joined getquin and have often seen people reviewing each other's portfolios here. I'm curious! Also to any suggestions for improvement.

(Currently $ENB (+0,21%) in planning as a further purchase)

If you have any questions, I will consult with you and then answer them thoughtfully (takes a while) Thanks for your feedback!

Hello!

I have been actively working on my portfolio since the beginning of this year, my strategy is to go towards dividends and a safe investment in ETF's with ETF's I want to achieve a balanced weighting that is not too American-heavy but also focuses on Europe.

I have a monthly savings plan of €300 which is divided as follows:

50 € $IWDA (-0,23%)

50 € $EXSA (-0,35%)

40 € $ZPRG (-0,52%)

40 € $WQDS (-0,07%)

20 € $O (-0,12%)

15 € $VZ (-0,34%)

15 € $ULVR (-0,37%)

10 € $JPM (+0,32%)

10 € $JNJ (+0,29%)

10 € $PG (-0,47%)

10 € $ENB (+0,21%)

10 € $ALV (-0,46%)

10 € $KO (-1,13%)

10 € $MCD (-1,25%)

Please do not pay too much attention to the crypto positions, I will liquidate the Shitcoins in the near future when prices are good and switch to ETFs/shares.

Now to my simple question, what do you think of the portfolio? Is it good for my strategy or do you have any tips?

First position so far

Will buy more after

One of many dividend shares for my pension🤣💪

Hello everyone,

Today I would like to introduce you to my portfolio. As you probably know, it's just too much fun to expand my portfolio with new stocks. There are now a few too many, but I still can't really part with my worst-performing stocks ($NVM (+0,25%) , $ENPH (+1,82%) , $WAC (-1,06%) ). I'm hoping that I'll be able to sell them in positive territory at some point, or am I on the wrong track and in your opinion should I sell at a loss and try to make up the loss with other stocks?

I have been investing since the end of 2022 and at 29 years old, I still have a long time to go. My strategy is to be as desertified as possible in sectors and to beat the market in the long term (just let me believe that it works :D), hence so many individual stocks. I want to hold these for many years (esp. $AMZN (+0,54%) , $GOOGL (+0,48%) , $QCOM (+0,96%) , $MSFT (-0,62%) , $V (-0,57%) , $MC (-0,72%) , $SALM (+1,16%) ) but I'm also not too keen to pocket the profits. Are there any stocks in my portfolio that you would view critically for the next few years and would be worth considering selling? Recession and all that...

Priority is on growth, which is reasonably safe, so only a few small caps - but a few bets have to be in there :) ($AIDX (+0,17%) , $NRX (-0,33%) , $ITM (-0,09%) , $F3C (-0,34%) , $MITK (-0,85%) ). But with rather small amounts, probably too small or what do you say?

At the same time, I would also like to claim a €900 allowance via dividends ( $BATS (-0,11%) , $ENB (+0,21%) , $BNPQY (+1,05%) , $STLAM (-2,8%) , $ENGI (-0,13%) , $RIO (+0,68%) ) and secure a trade or two.

Recently I have been investing 240€/m in the $XDWD (-0,22%) and between 200 - 500€/m in individual shares (depending on what is left). Actually, I want to increase the existing shares properly now, but somehow there are always nice entry options in solid companies like $0L2T (+2,22%) , $ZTS (-1,51%) , $ADM (+1,34%) , $PANW (-0,73%) , $ENR (-1,29%) . Help what to do? :D

And then there's also crypto $BTC (+0,35%)
$NEAR (+1,19%)
$ADA (+0,56%)

And Japan, they're doing well too $4063 (-0,72%) , $6501 (+1,2%) , $8001 (-1,31%)

Looking forward to your feedback and advice!

Moin anyone here still uses Trade Republic and has for $ENB (+0,21%) not yet received his dividend?

Does it often take longer? $INTC (+1,23%) & $V (-0,57%) have already arrived and have the same dividend day.