Today I invested in the $JEGP (-0,51%) ETF, 11 shares at an average price of €24,06 each (including transaction costs).
I currently own 135 shares, which currently yields +- €230 per year in dividends.
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98Today I invested in the $JEGP (-0,51%) ETF, 11 shares at an average price of €24,06 each (including transaction costs).
I currently own 135 shares, which currently yields +- €230 per year in dividends.
Although I started investing when I was 18, buying shares in Spanish companies such as $SAN (-0,54%) and $IBE (+0,11%) , as well as an MSCI World fund offered by my lifelong bank (which had some rather high commissions that I wasn't aware of at that time), I sold everything a couple of years ago to buy my first home.
Last year, I decided to start investing again, following a DCA strategy with ETFs and high-quality stocks. Ideally, I would not have bought and sold so much this year, but it can be difficult to manage the emotions generated by the market.
My investment plan is to have the following allocation:
- 50% in ETFs (40% $FTWG (-0,22%) , 5% $JEPQ (-0,24%) and 5% $JEGP (-0,51%)).
- 10% in crypto ($BTC (-0,27%) only).
- 40% in high-quality individual stocks.
I would love to receive recommendations for stocks to add to my portfolio, particularly European ones, as I struggle to find good investment ideas there. Alternatively, I would welcome suggestions for modifications to my current portfolio.
My own milestone (tl:dr)
The starting point and the burning dream of the million
It wasn't just a number on a screen; it was a promise. The promise of freedom, of decisions that were not dictated by a paycheck, of the possibility of realizing dreams that went beyond everyday life. My goal? The 1 million euros in my deposit. A sum that seemed almost unattainable when I first immersed myself in the fascinating world of investing. But I couldn't let go of the thought. What if it was actually possible? What if, with discipline and the right strategy, I could achieve this seemingly utopian goal?
The fascination began to creep in. I heard about breathtaking returns and stories about people who became rich overnight by making smart decisions. The stock market, a place full of secrets and opportunities. My starting position was solid, an initial foundation stone had been laid, but I lacked a clear roadmap. I was at the beginning of a journey that would take me through highs and lows, from initial euphoria to sobering setbacks - and finally to a strategy that allows me to look to the future with confidence today.
The single stock era - lessons from the "wild west" of the stock market
Like so many, I started out with a desire for quick profits and a fascination for the possibility of getting rich quickly through individual shares. Why invest in the broad market when individual shares promised so much more? I plunged headlong into the world of individual shares. It was names that were in the news, sectors that were booming or personal convictions that guided me. Every share was a little adventure, every price movement an adrenaline rush.
But the reality was often different from the glossy prospectuses or the euphoric forum posts. The euphoria quickly gave way to disillusionment. I remember the year 2022. Like so many others, I experienced a market that suddenly no longer knew only one direction: up. In my personal heat map of monthly returns, deep red fields emerged that year and even before. Months with -1.3%, -1.7%, -2.0%, -2.4%, -2.8%, -3.0%, even -3.4% were not uncommon. That was painful. Every look at the portfolio was a sting.
However, the problem was not just the bear market itself, but also the way my portfolio was structured. Without broader diversification, my risk was unnecessarily high. If one share fell, a large part of my portfolio fell and @DonkeyInvestor said: I told you so :-) .
The turning point came gradually, but inexorably. Frustration at the lack of stability, the realization that my individual "strategic" decisions were often just a gut feeling, and the desire for a more calculable path to a million led me to a far-reaching decision. It was in November 2024 when I pulled the ripcord. The individual share "experiment" was over. It was time to realign my portfolio.
The realignment - from single stock turbulence to ETF stability
The decision was clear: a restructuring of my portfolio was necessary in order to invest stably and efficiently in the long term. The new anchor of my strategy was to be ETFs.
Why ETFs?
The answer was simple: diversification, lower costs and risk spreading. With ETFs, you can invest in hundreds or thousands of companies at the same time with a single investment. This means I am no longer dependent on the fate of a single company, but benefit from the growth of entire markets and the global economy.
The major restructuring started in November 2024 and was a phase of intensive analysis and consistent implementation. Individual shares were sold and the freed-up capital was immediately reinvested in broadly diversified ETFs. It was a liberating move, a departure from the emotional rollercoaster ride and a step towards a rational, long-term investment strategy.
Today, in May 2025, my portfolio has a market value of €210,000 and reflects this transformation. It is a carefully curated mix that aims to achieve my million-euro goal efficiently and with calculable risk:
This ETF forms the core of my portfolio. It invests in around 1,600 companies from 23 industrialized countries and is my most important building block for long-term global growth.
This structure forms the foundation of my current strategy: a clear core of broad market ETFs (MSCI World, S&P 500, STOXX Europe 600) is complemented by targeted satellites for high dividends and specific quality characteristics.
The strategy, or rather my roadmap for the future - discipline, cash flow and steady reinvestment
My path to a million is not a sprint, but a marathon that depends on discipline and a clear strategy. A significant amount flows into my portfolio every month - a total of € 1,610. This amount is made up of my active deposit of € 1,500 and € 110 from the reinvested dividends of the ETFs eligible for savings plans.
The distribution of my monthly savings plans is deliberately chosen to continuously strengthen my growth core:
The dividends are much more than just a nice bonus - they are a key driver for the growth of my portfolio through the compound interest effect. I'm already expecting an impressive €6,900 in gross dividends for 2025.
The challenge of dividend reinvestment
One problem that many investors also face is the challenge of dividend reinvestment at my bank, ING: automatic reinvestment only works if the net distribution of an individual ETF is at least €75.
If I haven't miscalculated and the dividends remain stable, this hurdle should be overcome for the ETFs in question.
Otherwise, I accumulate on my clearing account and then make a manual one-off investment in the VUSA or EuroStoxx600 as soon as a larger sum (between €500 and €1,000) has been accumulated, or I increase the savings plans to the two mentioned in the following month. This allows me to make the most of the compound interest effect and reduce the costs of transaction fees at the same time.
This approach has helped me to focus not on short-term gains, but on long-term growth and a steady income through dividends. It is a path that has proven its worth over the years and has continuously brought me closer to the goal of
1 million euros closer.
Looking to the future - The million within reach and the passive dream
My goal is clear: €1,000,000 in my portfolio. This milestone is not just a number, but the foundation for future financial freedom and the realization of my dreams.
Based on my current portfolio value of € 210000 (May 2025), my monthly investment and reinvested dividends and a realistic assumption of an average annual return of 8.0% p.a. (which is achievable for broadly diversified equity ETFs in the long term), I have a clear timetable in mind:
I will reach my goal of 1 million euros in the portfolio probably in April 2040. That is still about 14 years and 11 months of disciplined investing. The reinvestment of all dividends is the absolute key here. Without it, the road to a million would take almost a decade longer! This awareness motivates me anew every day.
Let's see if that works and whether I'll find this post on Getquin to repost again.
Holding this ETF's 21 years old. Let me know what you think.
$TDIV (-2,15%)
$VWRL (-0,09%)
$JEGP (-0,51%)
$BTC (-0,27%)
$QDV5 (-0,39%)
$VUSA (-0,44%)
I recently did some backtesting of 2 popular dividend ETF’s and 2 popular dividend stocks (REITs) over the time period of 2024 to now. So approximately 1,5 years.
Emile this is a limited timeframe, most backtesting is done over much longer timeframes, I find the results very interesting and perhaps they might also give some good for thought for the getquin community 🙂
I created 3 fictional portfolio;
Portfolio 1: 100% $TDIV (-2,15%) (VanEck Dividend ETF)
Portfolio 2: 100% $JEGP (-0,51%) (JPMorgan Global Equity Premium Income Active ETF)
Portfolio 3: A combination of 50% $NNN (-1,09%) (NNN REIT) and 50% $O (-0,51%) (Realty Income)
As said the time period is 2024 to now, a fixed investment at the start and all dividends reinvested.
The CAGR (Compound Annual Growth Rate) between these 3 portfolios was 15,70% for $TDIV (-2,15%) vs 13,23%
$JEGP (-0,51%) vs 4,25% for the REIT portfolio with $O (-0,51%) and $NNN (-1,09%) .
The clear winner here is $TDIV (-2,15%) with $JEGP (-0,51%) as a close second 💰
I fully understand and support diversification, although I’m not sure it’ll benefit the portfolio enough if you also want growth next to cashflow.
All have their individual merits. What would you choose?
$JEGP (-0,51%) sold and 8x $VWRL (-0,09%) + 21x $TDIV (-2,15%) purchased.
Today I invested in the $JEGP (-0,51%) ETF, 11 shares at an average price of €24,0709 each (including transaction costs).
I currently own 124 shares, which currently yields +- €212 per year in dividends.
#dividend
#dividends
#dividende
#invest
#investing
#stocks
#etf
#etfs
Currently have $O (-0,51%) and $CHDVD at Yuh.
Looking for a Swiss broker with an Etf like $JEGP (-0,51%) or a similar alternative.
Thanks for the suggestions.
Your Lord Vader!
Hello everyone,
I am currently toying with the idea of reorganizing my portfolio.
It currently looks like this:
50 % $HMWO (-0,33%)
20 % $AEEM (+0,95%)
30 % Shares with reference to dividend($MAIN (+0,2%) , $O (-0,51%) , $PEP (-0,29%) etc)
The whole thing is currently also fueled via a savings plan every month. Furthermore, all dividends are reinvested! This should also happen in the future (build up cash flow).
Now I would like to slim down my portfolio a bit and possibly swap the allocation or the ETFs (world + emerging) and exchange the shares for an ETF with dividends. I would also like to add some BTC. This should simplify the portfolio and reduce the effort involved. Nevertheless, it should also generate returns!
Now I have 2-3 ideas to rebuild the whole thing and would like to ask the swarm!
Option 1:
65% $VWRL (-0,09%)
30% $JEGP (-0,51%)
Target here: All world as a base, plus some divi power and monthly cash flow (replaces shares) + BTC on top. Overall a little more risk.
Option 2:
55% current Etfs World+emerging
25% $VHYL (-0,07%)
15% $JEGP (-0,51%)
Objective here: as with option 1, only slightly less reallocation work and slightly less risk.
Option 3:
55% $VWRL (-0,09%) or as ACC
25% $VHYL (-0,07%)
15% $JEGP (-0,51%)
You are welcome to share your ideas, feedback or similar.
I don't want to start a discussion about dividends, as there has been a lot of talk about them recently: yes, no, why and why not!
Thank you 😇!
Have a great start to the USA week 🙂.
I migliori creatori della settimana