A little emotional shopping in between. Who doesn't know that?
The WKN is the best: A3EHRE $JEGP (-0,14%)
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154A little emotional shopping in between. Who doesn't know that?
The WKN is the best: A3EHRE $JEGP (-0,14%)
Dear community,
Due to circumstances in my job, I am now able to invest EUR 1200 per month in my income portfolio.
Unfortunately, I am at an impasse with my ideas and somehow need fresh input.
About me: Through individual shares (e.g. $O (+0,85%) , $MAIN (+1,63%) , $KO (+0,92%) , $HAUTO (-0,35%) , $PEY (-0,81%) etc.) I currently receive an average monthly net dividend of EUR 206.
My investment objective is to build up passive cash flow. I am currently investing this independently in other assets or buying individual shares. If everything goes well, I would reduce my job in the future (5-10 years) thanks to the dividends.
My interest is a hybrid strategy (approx. 60% in dividend ETFs with (hopefully) growth and 40% in covered calls).
After much deliberation, I have now arrived at the following weighting:
$VHYL (-0,11%) - 25% - 300,-
$FGEQ (-0,75%) - 5% - 60,-
$DEM (-0,87%) - 10% - 120,-
$TDIV (-0,49%) - 20% - 240,-
$JEGP (-0,14%) - 20% - 240,-
$JEPI - 10% - 120,-
$QYLE (-1,62%) - 10% - 120,-
I don't like the $FGEQ (-0,75%) (dividend growth is not really good) and the $QYLE (-1,62%) (poor performance). What do you think of the weighting? I would be more than grateful for any ideas, suggestions etc. Muchas gracias.
August was one of the quieter months in terms of dividends.
That's part of a diversified portfolio some months are stronger, others a little less so.
What remains important is the overall picture and consistent long-term growth
What are your tips for a nice dividend portfolio or your favorite distributing ETFs? At the moment I have $JEGP (-0,14%) , $MAIN (+1,63%) and $EQDS (-0,42%) ? $QYLE (-1,62%) I have recently thrown out , it was only running crosswise.
I am halfway through my Road To 100K. We keep investing and hopefully the next 50k will go faster.
$VWRL (-0,55%)
$VHYL (-0,11%)
$JEGP (-0,14%)
$MO (+1,16%)
$GOOGL (+0,48%)
$MSFT (-0,64%)
$ASML (-2,81%)
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!
Small sale of $NVDA (-3,22%) .
129 shares and 200 stock options remain (2x long call contracts, 06.2026, 102 strike). So only 3% were sold.
Stop limit trades were also recorded.
The CC Funds ($JEPI
$JEGP) (-0,14%) have become too hot for me under Trump and expected strong setbacks if he intervenes even more in the markets simply do not work with CC Funds. Was planned for sideways markets.
$PLTR (-0,78%) is a "hot commodity".
$UBSG (-0,2%) I have a large residual position and will adjust it a little if necessary. If necessary, I'll tighten the stop.
$RSGN I will set stop trades at 45 from a price of 50. I think that's still within a year's time.
Primary reason for the general liquidation thoughts: Tw. repayment of the Lombard loan.
Lombard loan key data:
Portfolio value: 247k
Lombard loan: 27.1k remaining amount, 30k max. Value to date.
Interest in CHF: 3.0%, p.a.
So around 11% of the current portfolio, or 12.3% of the loaned assets.
Primarily taken out in mid-April - May, around 15% return on average assets since then.
Even better: The loan was primarily used to make 2 trades (NVDA calls, 6k stake (170% return currently) & RSGN, 7k stake (24% return currently), which contribute strongly to the overall performance.
Calculated with the 15%, in 4 months, the Lombard (30k) brought me an additional 4.2k.
I don't have to pay it back - let it run a little longer if necessary...
We are almost at the halfway point on my Road To 100K. Sold a high dividend $TROW (-0,94%) And achieved a milestone. Also took profits on another strong dividend stock.
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$VHYL (-0,11%)
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