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$SHEL (-0,22%)
$JEGP (-0,3%)
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215Hello everyone!
My parents are in the process of selling my grandparents' house. It will probably fetch around โฌ275,000. 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 (+0,02%) Call money ETF. Div. 1.9%
15% $TDIV (-0,87%) VanEck Divi Leaders. Div 3.5%
10% $TRET (-0,88%) Global Real Estate. Div. 3.7%
7,5% $VHYL (-0,84%) Allworld High Div Yi. Div 3.1%
7,5% $PEH (-0,15%) FTSE RAFI EM. Div 3.9%
5% $EWG2 (+0,16%) Gold
5% $SEDY (-0,16%) iShares EM Dividend. Div 8.0%
5% $JEGP (-0,3%) JPM Global Equity Inc Div 7.1%
5% $EEI (-0,92%) WisTree Europ Equity Inc Div 6.3%
5% $IHYG (-0,08%) High Yield Bond. Div 6.1%
5% $EXXW (-0,19%) AsiaPac Select Div50 Div 5.5%
15% Rest German Divi Shares approx. div 2.5%
=100% with 3.7% dividend.
275k ร3,7% = 10.175โฌ
With full taxation 27.99% = 7327โฌ
On average per month: 610โฌ dividend
With 2k tax-free allowance: 657โฌ 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 (+0,02%) Overnight ETF. Div 1.9%
12% $EQQQ (-0,83%) Nasdaq100 ETF. Div 0.4%
5% $EWG2 (+0,16%) Gold
2% $O (-0,08%) Realty Income 6.0%
2% $VICI (-0,49%) Vici Properties 5.6%
2% $OHI (-0,54%) Omega Healthcare 7.2%
2% $PLD (-0,64%) Prologis 4.1%
2% $ALV (-0,81%) Allianz 4.35%
2% $HNR1 (-0,08%) Hannover Re 3.4%
2% $D05 (+0,28%) DBS Group 5.5%
2% $ARCC (-0,63%) Ares Capital 9.3
2% $6301 (-0,79%) Komatsu. 4,2%
2% $1 (-1,59%) CK Hutchison 4.6%
2% $AENA (-0,95%) AENA. 4,2%
2% $LOG (-1,14%) Logista 7.3%
1,5% $AIR (-0,87%) Airbus 1.8%
1,5% $DHL (-1,77%) DHL Group 4.8%
1,5% $8001 (-1,92%) Itochu 2.8%
2% $RIO (-1,34%) RioTinto plc 6.4%
2% $LIN (-0,84%) Linde 1.3%
2% $ADN (+0,45%) Acadian Timber 6.7%
3,5% $BATS (-0,36%) BAT 7.0%
2% $KO (+0,48%) Coca Cola 2.9
2% $HEN (-0,16%) Henkel 3.0%
2% $KVUE (-1,62%) Kenvue 4.1%
2% $ITX (-2,16%) Inditex 3.6%
2% $MCD (-0,37%) McDonalds 2.6%
2% $690D (+0,78%) Haier Smart Home 5.6
3,5% $IBE (-2,03%) Iberdrola. 4,1%
1,5% $AWK (-0,61%) American Water Works 4.4%
1,5% $SHEL (-0,22%) Shell 4.1%
1,5% $ENB (-0,05%) Enbridge 6.5%
2% $DTE (-0,66%) Deutsche Telekom 2.8%
2% $VZ (-0,03%) Verizon 6.8%
2% $GSK (+0,75%) GlaxoSmithKline 4.2
2% $AMGN (-0,56%) Amgen 3.5%
2% $JNJ (-0,02%) Johnson&Johnson 3.5%
= 100% with 3.5% dividend
275k ร3,5% = 9625โฌ
With full taxation 27.99% = 6930โฌ
On average per month: 577โฌ dividend
With 2k tax-free allowance: 624โฌ 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?
Today I invested in $SHEL (-0,22%) .
Bought 8 shares at an average price of โฌ30,05 per share including transaction costs.
In total I now own 133 shares, this gives me +- โฌ170 per year in dividend.
$SHEL (-0,22%)
$BP. (-0,16%)
$TTE (-0,74%)
$CVX (-0,9%)
$XOM (-0,7%)
Thank you so much for helping and responding to my previous post and poll.
So $SHEL (-0,22%) was the clear winner with $RAND (-0,37%) and $STLAM (-2,66%) coming in 2nd and 3rd place.
I think most people respond without thinking too much about the options and selecting what they already know. Wich is understandable because time is precious.
The actual stock i plan to buy is $ACX (-1,08%) because it is next on the dividend calendar.
And $SHEL (-0,22%) is in the pipeline too while i am still considering $MAU (-2,44%) in between.
After the dividend run i am looking at $RAND (-0,37%)
$CRBN (-1,09%)
$STLAM (-2,66%)
$AALB (-1,26%)
$GOGL (+0,59%) is merging with $EURN (-0,25%) (CMB.TECH) so i am waiting to see how that looks after the merger.
Have a blessed weekend.
Why Shell Is Staying on the Sidelines in BP Speculation
As investors eye consolidation in Big Oil, Shellโs recent stance against a BP takeover is a strategic masterclass, not a retreat. Bound by the UK Takeover Code after publicly ruling itself out, Shell cannot acquire more than 30% of BP for six months. Under CEO Wael Sawan, capital is prioritized for buybacks and debt reduction over risky mega-deals. Moreover, Shellโs renewable pivot clashes with BPโs activist-driven focus on oil & gas. Add antitrust hurdles in the US and EU, and a bid becomes a high-stakes gamble investors canโt afford. Instead, Shell is boosting shareholder returns through disciplined capital allocationโproof that patience and precision Trump headline-grabbing deals.
$SHEL (-0,22%) is currently considering $BP. (-0,16%) to take over the company. The potential transaction volume would amount to 80 billion US dollars, making it one of the largest M&A transactions in the history of Oil & Gas. BP is currently reviewing the offer, but negotiations have been slow so far. Shell & BP have not yet made any concrete statements. Shell officially described the reports as "further market speculation" and said it was focusing on its own performance and the interests of its shareholders.
๐ญ๐พ๐ ๐ฃ๐พ๐ป๐ ๐๐ ๐ค๐๐๐๐๐ ๐ฝ๐พ๐ ร๐ ๐๐๐๐๐พ๐๐๐พ ๐ก๐ฏ, ๐ฒ๐๐พ๐ ๐ , ๐ณ๐๐๐บ๐ ๐ค๐๐พ๐๐๐๐พ๐, ๐ค๐๐๐๐ ๐๐๐ฝ ๐ข๐๐พ๐๐๐๐. ๐ก๐ฏ ๐๐๐พ๐ ๐ค๐๐ฝ๐พ 2024 ๐๐๐ ๐ ๐ป๐๐๐บ๐๐ฝ ๐ฝ๐พ๐ ๐รถ๐ผ๐๐๐๐พ๐ ๐ถ๐พ๐๐ ๐บ๐๐ฟ, ๐ฟ๐บ๐๐ ๐ฝ๐๐๐๐พ๐ ๐ ๐๐ ๐๐๐ผ๐ ๐๐๐พ ๐ฒ๐๐พ๐ ๐ .
A takeover would create a European oil giant that could compete with $XOM (-0,7%) and $CVX (-0,9%) could take on. BP in particular has been under pressure from activist investors for some time, as its attempted foray into renewable energies has been less successful. A stronger focus on oil & gas is therefore strategically desirable.
๐ NATO Summit 2025: A New Era of Defense and Opportunity ๐
As NATO allies commit to a historic defense spending target of 5% of GDP, global markets are already reacting. Defense stocks are surgingโRheinmetall, BAE Systems, and Thales have all seen significant gains. This budget boost signals a long-term ramp-up in military procurement, cybersecurity, and infrastructure, creating ripple effects across multiple sectors.
Despite a recent dip in oil prices, analysts suggest energy demand may rebound as military logistics and fuel reserves expand. Keep an eye on aerospace & defense, cybersecurity, infrastructure, and energy resilienceโthese sectors are poised to benefit from NATOโs strategic pivot.
The NATO Summit in The Hague isnโt just about securityโitโs a catalyst for industrial transformation. Investors, innovators, and policymakers: the future is being drafted now. $SHEL (-0,22%)
$PLTR (-1,22%)
$BA. (-0,23%)
$RHM (+2,86%)
$HO (-0,49%)
$CVX (-0,9%)
Just received my dividend from 50 shares of Shell
And Iโve got to say, this moment really hits different. Itโs a small payout in absolute terms, but symbolically it means a lot: this is the start of reaping the rewards of long-term dividend investing.
Shell has been one of the anchors in my portfolio offering solid cash flow, strong dividend history, and exposure to the energy transition. I appreciate the stability, but also the resilience the company has shown in changing times.
This payout gave me a moment to reflect: while dividend stocks like Shell form the base of my portfolio, Iโm also shifting more into growth-oriented companies to balance out my strategy and maximize future capital gains.
๐ This is just the beginning. The snowball is rolling and Iโm excited to keep building.
Do you combine dividend and growth stocks in your portfolio too?
Or are you all in on one strategy?
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