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 (+0,02%) 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 ×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 (+0,02%) 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 ×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?

Dear Group,

the weakest stocks in my portfolio at the moment are $PEP (+0,06%) and $JNJ (-0,02%) - They were originally added to the portfolio as a safety anchor. In the long term, both shares will certainly come out of the cellar again at some point. Nevertheless, I have looked around for alternatives. The two classics $MCD (-0,37%) and $KO (+0,48%) have aroused my interest. From a 10-year return perspective, both stocks beat my personal choices. What do you think? Could the two outperform my portfolio corpses at best, despite some less good div returns, and if so, where do you see a fair price corridor? At $MCD (-0,37%) I recently read something about 225 to 250 euros - it is currently just at the upper end of this range. And what about losses on the sale of shares vs. ETFs? As I'm normally with B&H, I actually don't know (shame on me). Could I offset the losses against future withholding tax? Then the decision would be much easier for me. Thank you as always and good returns.

Yours _EvD_ 🙂

Is $JNJ (-0,02%) a tubular failure

what do you think

Hello my dears...

There have been adjustments to the Sina 40

Out:

$JNJ (-0,02%)
$ALV (-0,81%)
$CS (-0,36%)
$NVDA (-1,03%)
$7974 (-0,82%)
$ULVR (+0,5%)
$NFLX (+0,08%)

NVIDIA only 50%

apart from j+J, there was considerable profit-taking in some cases (I think 25% is comparatively high for a company like Unilever)

In:

$ANET (-0,62%)
$ORCL (-1,56%)
$6857 (-0,58%)
$AVGO (-1,32%)
$TXN (+0,37%)
$COST (-0,51%)

Stocked up:

$AAPL (-0,72%)

$QCOM (-0,59%)

The remaining cash is € 2330, which will remain there for the time being. Currently the Sinas is 40, therefore only one Sinas 39. Let's see where the cash will then go in number 40

PS: the chart has been completely messed up by the adjustments. We were actually at 2.71 % 1 Y

https://youtu.be/vqtru2AujR0

$JNJ (-0,02%)
$UNP (-0,44%)

#beleggen
#dividend
#investeren
#portfolio
#aandelen