Some of you have probably already come across one or two posts (of the few I've written so far) - but now I've also realized: It was cheeky to simply deliver content without introducing myself briefly and concisely:

I'm around 50 and have been self-employed in the world of shares since November of this year (so still very fresh). I was previously (and still am) a customer of a Riester-subsidized investment fund. Now I've entered the world of shares without any in-depth knowledge, probably with a rough idea of a strategy (dividends and growth), but still without a plan. On the one hand, my aim is to somehow earn a few euros in the short term with one or two individual shares (perhaps also with derivatives if I dare?), but in the medium term to invest mainly in dividends in order to have a basis here over the next few years that will improve my pension somewhat.

I will probably never achieve complete financial freedom, as the available free capital is not large enough to hope for the moment when this might happen. As a single father currently earning his own money, the money that comes in goes more towards the family and their livelihood. Nevertheless, there are one or two euros that will flow into one or two ETFs or individual shares via a savings plan.

The plan for 2026 therefore looks like this $XAD5 (+0,55%) as a commodity ETC, ETFs such as $ZPRG (-0,14%)
$VHYL (+0,09%) and the $VWCE (+0,24%) will be saved. In addition, individual shares such as $ALV (+0,2%) and $DHL (-0,17%). For the time being, there is not enough free capital to generate meaningful savings rates.

The aim of the game will be to generate monthly dividends in the lower 3-digit range on average by the time you retire. But there are still 17 + x years until then (depending on political direction).

I am curious to see whether this plan will work out and can be adhered to. Until then, I look forward to benefiting from your tips and experience, both passive and active...

A Merry Christmas to you all and a good start to 2026 with, above all, health and contentment with yourselves. As you know, everything else can be sorted out somehow :-)