Hey everyone,

Over the past few cycles, I have wandered the infinite halls of the markets like a young adept. I tried out spells, played with risky formulas, let myself be seduced by flickering course lights - and paid the price that every apprentice pays at some point. But every spark of loss became a sliver of knowledge.

One night, when the markets were asleep and only the stars were watching over my portfolio, I recognized a truth that floated before me like a golden crystal:

All of my individual stocks had long been in the big FTSE All World ETF
$VWRL (+0,49%) hidden like tiny sparks in a huge starry nebula.

And so the purge began.

I dissolved old positions, untangled the chaos and a new core formed from the fog:

FTSE All World ETF
$VWRL (+0,49%) and Realty Income
$O (-0,06%) the eternal fountain of dividends.

My goal is as clear as a glowing rune:

A steadily growing stream of passive income - a river of golden drops that never runs dry.

That's why I now invest on a weekly basis:

💫 25 € in Realty Income
$O (-0,06%)

💫 5 € in the FTSE All World ETF $VWRL (+0,49%)

If the dividends from Realty Income $O (-0,06%) pulsate strongly enough together with the interest from Trade Republic, I increase the FTSE savings plan $VWRL (+0,49%) to 25 € per week.

Then, when the balance of the regions calls, another crystal enters the circle:

the iShares MSCI Europe ETF $IMEU (+0,17%) (distributing) - with hopefully also 25 € per week.

That would complete the brokerage chapter.

The runes are set.

The circle closed.

Then I turn to my dormant Bitcoin savings plan $BTC (-0,37%) - my only crypto crystal waiting in the shadows - and the interest artifacts working their own silent magic.

How the journey continues remains to be seen.

A dividend sage does not follow the noise of the markets, but the whisper of the stars.

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:

$ISPA (+0,28%)

$EXX5 (+0,57%)

$FGEQ (+0,18%)

$IMEU (+0,17%)

$TDIV (+0,31%)

$VHYL (+0,3%)

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?

@Simpson
@AlterMann
@Ayecaramba256

BEFORE: I have completely revised my portfolio review. There are now even more in-depth figures to see and I have greatly reduced the body text. Only my introduction is a little more detailed. The visual overview on Instagram has also been completely revamped. There is also a budget review, which I am not publishing here as a post. However, I have included a few key figures from this one in the portfolio review.

I am very happy about likes here at GQ and on both IG posts, as the complete renewal has cost me a lot of nerves and time. 🙃 If you also want to know how my personal finances have developed, I'd like to refer you to my personal budget review on Instagram.

In future, I will publish my detailed assessments on individual topics that were previously part of the review (such as crypto cycles or my succession strategy for crypto) separately in individual posts on GQ. Perhaps as a kind of supplementary post.

Are you missing important key figures or do you have suggestions for optimization? Constructive suggestions are always welcome.

For me, May was characterized by calm and composure, because I kept the noise of the markets and US trade policy away from me. I can do no more than simply buy more. I like to refer here to the stoic way of thinking, which focuses on prioritizing what you can influence. And that is my personal development. So that meant doing sport (at home with YouTube cardio and strength, abs, core, running), stockpiling Instagram posts so that I have some breathing space in the summer and delving deeper into the topic of AI. And the tax return was also completed. Meanwhile, dividends have been stable with the second strongest month ever, which was April. Time for a deep dive into my figures.

Overall performance

My portfolio performed well in May. Bit by bit, we are fighting our way up from the tariff lows. The key performance indicators are

• TTWROR (month of May): +4.83 %
• TTWROR (since inception): +65.84 %
• IZF (month of May): +74.24 %
• IZF (since inception): +9.94 %
• Delta: +€3,368.39
• Absolute change: +4,486.96 €

Share allocation & performance

Which shares performed particularly well in May? Which are at the top of the chain and which at the bottom? Which were the biggest losers?

Size of individual share positions by volume

Share: Share of total portfolio in % (portfolio)

• $AVGO (+1,19%) : 2,71 % (main share portfolio)
• $NFLX (+1,2%) : 2,12 % (main share portfolio)
• $WMT (+0,35%) : 1,83 % (main share portfolio)
• $SAP (-0,68%) : 1,69 % (main share portfolio)
• $FAST (+0,83%) : 1,59 % (main share portfolio)

Smallest individual share positions by volume:

Share: Share of total portfolio in % (securities account)

• $SHEL (+2,04%) : 0,44 % (crypto follow-on portfolio)
• $HSBA (+3,7%) : 0,54 % (crypto follow-on portfolio)
• $TGT (-0,31%) : 0,62 % (main share portfolio)
• 
  $DHR (+0,7%) : 0,66 % (main share deposit)
• 
  $NKE (+0,75%) : 0,67 % (main share portfolio)

Top-performing individual shares

Share: Performance since first purchase % (securities account)

• $AVGO (+1,19%) : +245 % (main share portfolio)
• $NFLX (+1,2%) : +190 % (main share portfolio)
• $SAP (-0,68%) : +108% (main share portfolio)
• $WMT (+0,35%) : +79% % (main share portfolio)
• $RSG (+0,59%) : +60 % (main share portfolio)

Flop performer individual stocks

Share: Performance since first purchase % (securities account)

• $DHR (+0,7%) : -58 % (main share portfolio)
• $TGT (-0,31%) : -40 % (main share portfolio)
• $NKE (+0,75%) : -39 % (main share portfolio)
• $CPB (+0,47%) : -34 % (main share portfolio)
• $UPS (+0,55%) : -30 % (main share portfolio)

ETFs vs. shares

The breakdown of ETFs vs. shares across all portfolios is 38.8% to 61.2%. This differs slightly from the breakdown of my ETFs to equities savings plans (43% to 57%).

Investments and subsequent purchases

Here is a small overview of what I have invested via savings plans according to my fixed planning.

• Planned savings plan amount from the fixed net salary: €1,030
• Planned savings plan amount from the fixed net salary, with reinvested dividends: €1,140
• Savings ratio of the savings plans to the fixed net salary: 49.75

In addition, there were the following additional investments from returns, refunds, cashback, etc. as one-off savings plans/repurchases:

• Subsequent purchases as a cashback annuity from refunds: € 70.50
• Dividend automatically reinvested by broker: € 2.99

Additional purchases: as one-off savings plans as part of my cashback pension, reinvested discounts from previous grocery and drugstore purchases and a refund from the health insurance bonus program.

• Number of additional purchases: 2
• 30.00 € for $JEGP (-0,16%)
• 
  40.50 € for $GGRP (-0,1%)

If you want to know how my cashback pension tops up the share and ETF pension, please let me know.

Passive income from dividends

My income from dividends amounted to € 163.13 (€ 89.68 in the same month last year). This corresponds to an increase of +42.32 % compared to the same month last year. The following is further key data on the distributions:

• Number of dividend payments: 11
• Number of payment days: 21 days
• Average dividend per payment: € 14.83
• average dividend per payment day: € 7.72

The top payers are:

• $DHL (-1,22%)
• 
  $IMEU (+0,17%)
• 
  $IWDP (+0,09%)

My passive income from dividends (and some interest) mathematically covered 21.08% of my expenses in the month under review.

Crypto performance

My crypto investments also moved a little:

• Monthly performance portfolio: +0.72%
• Performance since inception: +70.90%
• Proportion of holdings for which the tax holding period has expired: 100%. This means that there have been no additional purchases for over a year.
• Crypto share of the total portfolio: 2.23%

I find the topic exciting, but it is very underrepresented in my overall portfolio due to my strategy. Profits have long since been realized, my focus here has long been elsewhere. Accumulation will take place in the coming bear market.

Performance comparison: portfolio vs. benchmarks

A comparison of my portfolio with two important ETFs shows:

• TTWROR (current month): +4.83%
• $VWRL (+0,49%) +6.10%
• $VUSA (+0,83%) : +6.89%

Outlook and conclusion

According to the tax estimate, I can expect a tax refund. When this arrives, part of it will be donated and the rest will of course be reinvested. May was also a no-spend month for me and, as a convinced frugalist, this went off without a hitch. I was able to reflect more closely on my spending behavior and even found further potential despite my basic low spend attitude. Now I'm preparing a Hartz IV/citizen's allowance experiment for at least 3-4 months (or more) for the second half of the year. Simply because I feel like challenging myself. My planned expenses and provisions according to the budget only just exceed my theoretical entitlement to citizen's allowance. More info coming soon on Instagram. After March and April, I was again able to record expenses of less than €1,000 per month in May. This will change in June due to a large annual insurance premium, but maybe I'll be lucky and stay at a maximum of €1,100 to €1,200. As in the previous months, I will continue to use the early summer in June for hiking, swimming and day trips.

👉 You want my review as an Instagram post?

Then follow me on Instagram:

📲 As well as the depot and budget review, there's also: @frugalfreisein

• One-pagers and carousel posts every Monday, Wednesday and Friday on topics such as wealth accumulation, frugalism and minimalism
• more story insights in the future
• Mindset, motivation & money-saving life hacks for your own journey

How was your May at the depot? Do you have any tops & flops to share? Leave your thoughts in the comments!

Hello everyone,

For some time now I have been wavering a bit about my dividend portfolio, whether I should use the 6 ETF savings plans (always staggered distributions for monthly cash flow) are not too complicated. About me: I'm in my mid-thirties and the aim is to build up more and more net monthly salaries through dividends over time. I enjoy looking at my bar charts in Portfolio Performance over the years and seeing how they get bigger and bigger every year compared to the previous year. For this year, I expect to earn around €3,700 in dividends with my current portfolio.

----- ----- -----

The Morningstar X-Ray already shows a lot of stock overlaps. The aim was always to combine 2 ETFs per interval with 1 each with high distributions + and 1 each with growth and to have good diversification:

January, April, July, October

$ISPA (+0,28%) + $EXX5 (+0,57%)

February, May, August, November

$FGEQ (+0,18%) + $IMEU (+0,17%)

March, June, September, December

$TDIV (+0,31%) + $VHYL (+0,3%)

+ $O (-0,06%) + $MAIN (+0,89%) + $ARCC (+0,23%) + $VICI (-0,75%) + $HTGC (+0,19%) + $BATS (+0,46%)

----- ----- -----

The ETFs have a value of approx. 15,500€ per interval, the REITs + BDCs below together approx. 31,000€. I would also like to invest in savings plans with dividend growth shares, whereby I want to proceed according to certain criteria: https://aktienkoenig.de/starke-dividendenaktien-mit-dem-dividenden-check-finden/#elementor-toc__heading-anchor-3

Would you simplify the dividend ETFs and reduce them from 6 to 3 or replace them if necessary, because that is overdiversified anyway, or should I rather "shut down" some of them and continue to save only 3 of them increased? I am basically undecided at the moment as to whether I should focus on higher dividend payouts or rather higher dividend growth. At the moment, I think it's all mixed up.

Hello everyone,

Having only entered the stock market in February, I have decided to make a radical change today: I want to restructure my portfolio towards a dividend portfolio.

About the savings plan: Monthly deposits, duration: until retirement, i.e. around 38 years.

The aim is not necessarily to be able to live off the dividends, but rather to use them as a nice extra. An average dividend of 4% p.a. would be desirable.

About the portfolio:

The portfolio should consist of a 60/40 ratio of dividend-paying ETFs. The background to this is that I want to diversify as widely as possible. I currently have the $VHYL (+0,3%) with just under 25%, the $ZPRG (+0,22%) with just under 22% and the $IMEU (+0,17%) with just under 13%.

The remaining 40% of the portfolio should consist of equities. And this is where your expertise is needed: which high-dividend stocks with future potential would you no longer want to do without in your portfolio?

To begin with, I have opted for $ALV (+0,46%)
$VOW (-2,59%)
$MBG (-1,46%)
$O (-0,06%)
$ULVR (+0,46%)
$INGA (+0,66%) and $BAS (-1,13%) today.

I would like to have a total of 20 shares with 2% each in my portfolio. These should be as diversified as possible - both in terms of sectors and regions - even if the ETFs already contribute to this. Speculative shares may be included, but only sporadically.

Thank you very much and I look forward to your feedback!

Saving up: Gold + All-World ETF

Hello dear community,

I have a question for you on the subject of long-term saving and gold:

I have 6 savings plans with dividend ETFs running, always two per payout interval with growth ETF and high payout combined. In addition to the DIV ETFs, I also have REITS and BDCs for dividends, which I would also like to expand further. Of course there are overlaps!

I feel comfortable with this and would like to continue saving in this way:

DIVIDEND ETFs | January, April, July, October

$ISPA (+0,28%) + $EXX5 (+0,57%)

DIVIDEND ETFs | February, May, August, November

$FUSD (+0,45%) + $IMEU (+0,17%)

DIVIDEND ETFs | March, June, September, December

$TDIV (+0,31%) + $VUSA (+0,83%)

Now the question arises for me: how can I diversify even further or save in an accumulating manner?

The following would be considered

$EWG2 (+0,66%) and then also sell tax-free after a holding period of at least 1 year if the trend is positive and generally $FWRG (+0,47%) save bluntly and leave it. Possibly also $BTC (-0,37%) via Bitpanda or similar (not via Neobroker)

What is your opinion on saving the Invesco All-World and gold in addition to the dividend ETFs, as compensation when there are general price slides?

Hello community.

As some of you have already noticed, the grandpa is very dividend-oriented and cash flow is the maxim. My portfolio with currently just under 250k consists of 64% equities, 21% Bund and US short-dated bonds, some ETFs, some bonus certificates and physical gold. As the majority of my income comes from interest, dividends and rental income, I have been able to live very well with my additional high cash holdings from overnight and fixed-term deposits. Slowly but surely, this comfortable time is coming to an end for a security-conscious old man and he is starting to rethink and restructure. I may be 60 and no longer have a long-term investment horizon, but I can still plan for the medium term of 5 to 10 years. 250k is still tied up for 1 to 4 years at good fixed deposit interest rates for me (3.8 to 4.5%) with an annual payout. Now ING has come across me and is offering 3.3% overnight money via an extra account for 6 months, which I'll take. The free custody account too. And that brings us to the topic. I put 150k in the call money account (yes, I know deposit protection) and set up savings plans on ETFs with 8k per month for the next 1.5 years.

Of course I can't get away from cash flow completely, but a little growth with a manageable sum can't hurt. The basic idea is 50% in the world, 20% in dividends, 10% emerging, 10% Europe and 10% Russel.

US should already be appropriately weighted, I am not directly invested in tech, this should improve via world ETFs and I would also like to consider the rest of the world and a few dividends.

I have made the following pre-selection (as I said, it's about 8K per month in the savings plan):

50% world, half of this in $XDWL (+0,64%) and the other half in$HMWO (+0,57%) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (+0,31%) and the other in $SEDY (+0%) The latter one-fifth in China, the risk is manageable, otherwise a bit of a watering can and overall a small US share in both, which I cover via direct investments as I said.

10% in $IMEU (+0,17%) which covers areas in which I have no exposure apart from $NOVO B (-1,63%) and $HSBA (+3,7%) I have no positions worth mentioning.

10% in $HMEF (+0,59%) China, yes over 20%, the rest is ok for me and also includes information technology and financial services, which are very underrepresented in my portfolio.

10% in $IWM (+0,56%) I am sticking to my US weighting and speculating on further effects from future interest rate cuts, even if some of this has already been priced in.

Finally, I would like to point out that I am not interested in the decimal place of the TER.

Overnight money will yield significantly less in the near future, growth does not harm my investment strategy, but it does not have to be the maximum return that can be achieved.

Putting everything into dividend stocks is suboptimal, so why not go "relatively risk-reduced" into ETFs in the medium term with part of my money.

Please give me your valued opinion on the approach and the chosen stocks, thanks for reading and have a sunny weekend.

Your dividend topi

Spring is in full swing, my tomato plants are flowering and soon there will be delicious "yields". Time for a look back at May.

➡️ Shares

With an incredible +148% $AVGO (+1,19%) in my portfolio. The model student is not only the performance winner, but also the heavyweight in terms of portfolio volume among the individual shares. The share has long since cracked the €1,300 mark in terms of volume and is continuing its journey. I am not letting this horse out of the stable á la Beate Sander. I could well imagine that a split is imminent here, after the $NVDA (+0,62%) recently completed. Otherwise there is hardly any news, the performance of the good stocks continues to rise and the negative performance of my flop stocks is steadily improving. Thus $DHR (+0,7%) only at -24% instead of -30%. That's how it has to be. You can just feel a moderate wave lifting the boats. In favor of the ETFs, I will leave the comments on the stocks short this time.

➡️ ETFs

With this review, I'm going to take a closer look at my ETFs. I originally started with a 50/30/20 strategy on the MSCI World, EM and Europe, which I later supplemented with an Immo and Small Cap ETF. So the MSCI World with the MSCI EM ETF formed the core portfolio and the other ETFs were small satellites around it.

As these were almost all accumulators at the time and I quickly realized that I could build up additional income by saving in distributing ETFs, I quickly said goodbye to the accumulators. I also moved my ETF custody account to a neobroker. This is where I now manage my large ETF portfolio, which will form the absolute basis of my retirement provision. So if the dividends are not enough, or if I have to sell the portfolio and a sale is unavoidable, then the shares will be sold off piece by piece first and the ETFs will only be touched later. This portfolio contains the $VWRL (+0,49%) , $VHYL (+0,3%) , $VUSA (+0,83%) , $ISPA (+0,28%) , $IMEU (+0,17%) and $IWDP (+0,09%) . The current portfolio content consisting of an All World ETF and geographic and/or thematic shear points around it does further justice to the core-satellite concept. All these ETFs are saved monthly and all pay out dividends.

My first old portfolio naturally still contains residual holdings. These have been converted into distributing ones where appropriate and are shown in detail in the $EXXT (+1,07%) , $ZPRG (+0,22%) , $ISPA (+0,28%) , $SPYW (-0,04%) , $SPYD (+0,29%) . The portfolio volume is in the four-digit range. The $ZPRG (+0,22%) is saved. Further cashback flows into one-off savings plans, which replenish one of the other positions. The core task of this portfolio is to generate cash flow, so share price growth is less important to me. I am currently reinvesting the distributions. I could also imagine diverting this as a boost to my nest egg, as a kind of "inflation compensation". It's good that you can set up savings plans and standing orders at the click of a mouse these days, which gives me the flexibility that I base this portfolio on.

My second old custody account used to be the main custody account for the shares, which have long since been with a neobroker and are saved there. I bought two new ETFs here in May, which I also save a small amount of money in each month. They are the $FGEQ (+0,18%) and $TDIV (+0,31%) . Here I have the same idea as above. Simply generate cash flow that is reinvested but can be used in other ways if necessary, e.g. to contribute to my fixed cost lump sum.

I can certainly simplify my ETF portfolios considerably and close the old portfolios completely. But I don't want to and won't do that. It's a great feeling when money rains down from the sky every month on all banks/brokers. I want to retain the flexibility of multiple brokers so that I can react quickly if a broker cancels my contract (for whatever reason). In addition, operating this infrastructure does not cost me any fees.

➡️ Distributions

I received 21 distributions on 10 payout days in May. This time, the German values also fell $SAP (-0,68%) and $DHL (-1,22%) to book. May was strong in terms of dividends and was almost on a par with June last year. With the past month, I am already well above the dividend that I expect on average according to my planning.

Outlook: According to my forecast thanks to GQ, June 2024 will eclipse everything by far. Depending on the distributions in the fall, I may be able to increase the size of my planned dividend reinvestment. That puts me in a good mood!

➡️ Cashback

I found a few returnable bottles and cans along the way while hiking and on the way home. Especially on men's day. Without me actively looking for them. The deposit was taken away these days. I may invest the proceeds once again in $SOL (-0,42%) invest it again.

I haven't redeemed any Payback points this month, but I have been busy collecting them.

➡️ P2P loans

With the exception of Bondora Go&Grow, the interest and redemption stream has now dried up on all platforms. EstateGuru also abruptly introduced a new price list at the end of the month, to the detriment of us investors of course. I didn't like this and it only confirms my intention to exit this asset class. There will be news here next month.

➡️ Crypto

It's a case of wait and see. There is no other way to describe the situation. A look at the $BTC (-0,37%) -price shows the sideways movement and resistance at USD 71K. We must remain patient.

➡️ Outlook

The tax refund is on its way and will be invested. Part of it will even be donated. You'll find out what next month. I might also introduce you to a great project that is definitely worth donating to.

The tax office has refunded the taxes I have already paid. Thank you Mr. Lindner! The money went into the $IMEU (+0,17%) . Another increase in the basis for passive income. :)