Compared to last October, the dividend from the $ISPA (+0,25%) considerably. 😃
Also performing better than my favorite ETF lately $TDIV (+1,14%) .
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107Compared to last October, the dividend from the $ISPA (+0,25%) considerably. 😃
Also performing better than my favorite ETF lately $TDIV (+1,14%) .
Good morning,
I am quite new to the subject of investing etc. My knowledge ? I'm sure 99% of you have more.
And that's where I really need help. I am 39 and would like to build up a cash flow with dividends. Yes, I know that investing would be better in the long term. But I realized first hand how a little cold can lead you to the intensive care unit with 9 months of sick leave (including rehab etc).
That's when I realized that you also live in the here and now. Of course I also want to think about tomorrow, but I want to be able to do both. I would like to start with 250€ /month. I have in mind etf like $HMWO (+0,52%) , $VHYL (+0,47%) , $ISPA (+0,25%) ,$TDIV (+1,14%)
$ZPRG (+0,56%) , $EUHD (+0,67%)
$VWRL (+0,36%) in mind.
And yet I am unsure . How much in whom, which one do I take ? should I possibly consider others ? Does the selection make sense at all? Do I want a distribution every month (would be great)?
At the moment I don't need the distribution and would reinvest it.
So many question marks buzzing around in my head .... Do you have any advice?
Thank you very much
Un settore che ha perso tanto terreno in questi ultimi anni, credo sia giunto il momento di inserire qualcosa in portafoglio, ero indeciso tra $MRK (+6,75%) e $PFE (+6,48%) ma vedendo i dati la prima ha avuto una crescita costante di utili, ricavi ed investimenti in R&D, oltre ad un payout ratio inferiore rispetto a Pfizer ed un aumento dei dividendi maggiore nel tempo, più che sostenibile tra l'altro, altro fattore interessante è il cambio, un acquisto andato in porto al cambio di 1.1737, molto meglio del precedente acquisto di $MAIN (+0,07%) avvenuto per 1.1699 eur/usd.
Avrei tanto voluto aggiungere$O (-0,26%) per cavalcare l'onda del taglio dei tassi ma il broker Directa lo riserva solamente alla clientela "professionale", una truffa...
Per come stanno le cose in questo momento direi che per il prossimo mese andrò ad aggiungere un ETF tra $ISPA (+0,25%) e $VHYL (+0,47%) , intendo averli entrambi in futuro ma seguendo una strategia contrarian, cioè acquistando quello che ha perso di più nel mese trascorso (o guadagnato di meno).
August gave us another real midsummer and showed its best side on some days. For me, it was the perfect opportunity to pursue one of my hobbies: Swimming, swimming and swimming again. I enjoyed every minute in the now cooler water. There was no hiking this month, but the swimming made up for it completely. I'm slowly looking forward to cooler temperatures again, because the cold adaptation for ice swimming is already calling! But before we head into fall, it's time for a look back.
Overall performance
After the brief consolidation caused by the new Trump tariffs, my portfolio recovered quickly and showed a stable, slightly positive performance in August. The prospect of interest rate cuts by the Fed provided a small boost, but there were no major movements. Typical summer slump. But, as expected, what had to come arrived on time: the distributions. My key performance indicators for my overall portfolio at a glance:
Performance & volume
My class leader continues to expand its dominance. If this continues, it will soon become a decisive factor in overall performance. The $BOA rises into the top 5 by volume, $SAP (+0,2%) falls back. Rising in terms of performance$MAIN (+0,07%) and there, too, the$SAP (+0,2%) falls back. I also notice something about the winners of the red lantern in terms of performance:$NOVO B (+6,01%) has reached the bottom basement, once one of my very strongest stocks. So the tide is turning. Opportunity to buy more? Instead$CPB (-0,09%) has risen from the cellar. But this share still has a long way to go.
Size of individual share positions by volume in the overall portfolio:
Share (%) of total portfolio and associated portfolio:
Smallest individual share positions by volume in the overall portfolio:
Share proportion (%) of the total portfolio and associated securities account:
Top-performing individual stocks
Shares with performance since initial purchase (%) and the respective portfolio:
Flop performer individual stocks
Shares with performance since initial purchase (%) and the respective portfolio:
Asset allocation
My asset allocation is as follows:
Investments and subsequent purchases
Here is a small overview of what I have invested via savings plans according to my fixed planning.
In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:
Additional purchases were made:
If you want to know how my cashback pension tops up my share and ETF pension, please write it in the comments.
Passive income from dividends
My income from dividends amounted to €128.42 (€92.61 in the same month last year). This corresponds to an increase of +38,67 % compared to the same month last year. The following is further key data on the distributions:
The top three payers are:
My passive income from dividends (and some interest) mathematically covered 14.94% of my expenses in the month under review.
Crypto performance
My crypto portfolio was characterized by the partial sale of a $ETH (+4,23%) tranche as part of my "crypto succession strategy". Around € 298 in Etherium was taken off the table.
Here are some key figures:
The sale of the tranche explains the decline in the crypto share from 2.6% to 2.2%
As a "follower" of the crypto cycle, I am increasingly accepting the idea that the cycle is still in tact, but is expanding. The reason for this should be the ETF purchases and the activities of the crypto treasury companies. Retail still seems to be asleep. The playing field is very exciting, if only from a macroeconomic perspective. I can only advise looking into the cycle and issues such as money creation and the correlation between the M2 money supply and $BTC. Although I am not a fan of cryptocurrencies, I think they are a sensible component of a balanced portfolio.
Performance comparison: portfolio vs. benchmarks
A comparison of my portfolio with two important ETFs shows
Outlook and a private bonus
My Carousel posts of the portfolio review and budget review always start on the hook slide with a background image from my month. These are usually places I've visited or moments that have moved me. This time it's the same, although a CT scan would almost be more appropriate.
A chest CT confirmed what I had been wondering about for some time: my ascending aorta is dilated. This is a consequence of my congenital heart valve defect. Fortunately, it was discovered early before it could develop into an aneurysm, dissection or even rupture. A classic chance discovery, a stroke of luck. I was able to keep the heart valve "in check" for a long time, and fortunately there are currently no worse findings for it. But the diagnosis of the ascending aorta now brings certainty: an operation will certainly be necessary at some point.
Why am I sharing this here? Because it has taught me humility once again. The diagnosis isn't nice, but it's not a surprise either. Perhaps my v. A. more active lifestyle since corona has contributed to the fact that it is stable today and still allows me to do a lot: sporting activity, which I have fought my way back over the years. The restrictions that already apply to avoid pressure peaks on the aorta are minimal. My quality of life is still very high.
My conclusion: Keep fit, go for check-ups and take your body seriously. Invest in your health and fitness. Our deposits are only worth as much as our health allows us to enjoy them.
So I will be able to visit the cardiologist and radiologist even more regularly in future, an honor! (irony off). Everything will be fine!
👉 You want my review as an Instagram post?
Then follow me on Instagram:
📲 In addition to the portfolio and extra budget review, you'll also find regular posts there: @frugalfreisein
Please pay close attention to the spelling, unfortunately there are too many fake and phishing accounts on social media. I have already been "copied" several times.
👉 How was your August at the depot? Do you have any tops and flops to report?
Leave your thoughts in the comments!
🚀 Motivation $ISPA (+0,25%) pure: Dividend ETFs are like a money tree in your portfolio 🌳💸 - you plant it once and it produces cash flow year after year. Regardless of whether prices fluctuate or the market causes drama: the dividend rings reliably in your account.
It's like swimming training:
It feels tough at first, length after length, day after day. But you get stronger with every stroke.
Midsummer should be in full swing in July, but summer prefers to take a breather. While the temperatures outside were rather cool for most of July, which fortunately didn't keep me from swimming and hiking, it was hot in the depot. Time for a look back.
Overall performance
In July, the portfolio made a significant leap upwards, possibly due to further crypto adoption, good labor market data, robust quarterly reports and a further decline in inflation in a positive environment. The big icing on the cake is of course the continued incoming cash flow from dividends and distributions. My key performance indicators are:
Performance & volume
Size of individual share positions by volume in the overall portfolio:
Smallest individual share positions by volume in the overall portfolio:
Top-performing individual stocks
Flop performer individual shares
Asset allocation
My asset allocation is as follows:
Investments and subsequent purchases
Here is a small overview of what I have invested via savings plans according to my fixed planning.
In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:
Additional purchases were made:
If you want to know how my cashback pension tops up my share and ETF pension, please let me know.
Passive income from dividends
My income from dividends amounted to € 222.47 (€ 93.27 in the same month last year). This corresponds to an increase of +138,52 % compared to the same month last year. The following are further key figures on the distributions:
The top payers are:
My passive income from dividends (and some interest) mathematically covered 27.12% of my expenses in the month under review.
Crypto performance
My crypto investments have also moved:
Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?
Performance comparison: portfolio vs. benchmarks
A comparison of my portfolio with two important ETFs shows:
Outlook and conclusion
Crypto remains exciting for me. Due to many external influences (ETF inflows, treasury companies, Genius and Clarity Act, ...), the question arises as to whether the cycle theory is beginning to falter. Or not? Will it be different this time?
👉 You want my review as an Instagram post?
Then follow me on Instagram:
📲 In addition to the portfolio and budget review, you'll also find regular posts there: @frugalfreisein
👉 How was your July at the depot? Do you have any tops & flops to report?
Leave your thoughts in the comments!
Hello dear community!
Someone in my family (69) and a pensioner would like to invest EUR 50,000 immediately in distributing securities, preferably not too speculative. Now he wants me to take care of it.
I have in mind $ISPA (+0,25%) , $XGSD (+0,33%) and $TDIV (+1,14%) .
I know that the first two track the same index, the idea is to spread the distributions out a bit.
What do you think and does anyone have any other good suggestions?
Hello dear getquin community and dear dividend investors,
inspired by some users (@Simpson I'm looking at you!) here and have been thinking about it myself for some time, I would also like to put together a sustainable and high-quality dividend stock ETF. I used the tool from Aktienfinder.net and paid attention to growth in earnings, growth in dividends and growth in overall price performance. I also wanted to diversify a little more broadly across several countries and sectors so that it covers a lot all round.
I have put together a total of 60 shares (satellite), which I would like to invest €10 in each. I don't really want to do any reallocations, I've also focused mainly on established companies (moats etc.). It's a mix of dividend growth and share price growth together, so the dividends here range from 0.62% to 5.38%.
I realize that there are a lot of US companies here, but I think it's hard to avoid them.
My 6 ETFs serve as a core, which I would put on hold for the time being, but of course continue to generate cash flow:
My goal here is clearly to outperform a few of the ETFs mentioned above with the shares, be it in dividend yield after x years with better price growth overall.
What do you think of the selection?
I migliori creatori della settimana