iShares Core MSCI Europe ETF Forum

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 (-1,36%) + $EXX5 (-0,84%)

DIVIDEND ETFs | February, May, August, November

$FUSD (-0,19%) + $IMEU (-1,43%)

DIVIDEND ETFs | March, June, September, December

$TDIV (-1,44%) + $VUSA (+0%)

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

The following would be considered

$EWG2 (-0,64%) and then also sell tax-free after a holding period of at least 1 year if the trend is positive and generally $FWRG (-0,55%) save bluntly and leave it. Possibly also $BTC (-0,49%) 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 $XDWL (-0,38%) and the other half in$HMWO (-0,41%) . Both very similarly structured, TER ok, both distributing, but in different months.

20% dividend ETF, half of which is in $TDIV (-1,44%) and the other in $SEDY (-0,73%) 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 (-1,43%) which covers areas in which I have no exposure apart from $NOVO B (-2,39%) and $HSBA (-2,13%) I have no positions worth mentioning.

10% in $HMEF (-1,65%) 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 (-1,45%) 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 (-1,21%) 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 (+2,32%) 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 (-0,38%) 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 (-0,56%) , $VHYL (-1,03%) , $VUSA (+0%) , $ISPA (-1,36%) , $IMEU (-1,43%) and $IWDP (-0,6%) . 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 (+0,16%) , $ZPRG (-0,93%) , $ISPA (-1,36%) , $SPYW (-1,63%) , $SPYD (-0,28%) . The portfolio volume is in the four-digit range. The $ZPRG (-0,93%) 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 (-0,67%) and $TDIV (-1,44%) . 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 (-0,16%) and $DHL (-1,76%) 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 (+0,13%) 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 (-0,49%) -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 (-1,43%) . Another increase in the basis for passive income. :)

Dividend portfolio - later growth/blue chips

Hello and good evening everyone!

I would love to get some feedback on my dividend portfolio!

• My goal is to get over €2,000 in dividends and more per year (I have €2,000 in the exemption order anyway due to marriage) and I would very much like to receive monthly cashflow.

• I always have one strong dividend ETF and one growth ETF per quarter because I want to be broadly diversified:

• 1 | January, April, July, October

$EXX5 (-0,84%) and $ISPA (-1,36%)

• 2 | February, May, August, November

$FUSD (-0,19%) and $IMEU (-1,43%)

• 3 | March, June, September, December

$SPYD (-0,28%) and $TDIV (-1,44%)

• I also came across REITS and BDCs not long ago, which I know tend to go sideways, but hopefully in a few years I'll have the investments in without buying new positions.

• In the long term, I would rather switch to growth ETFs (or blue chips) for good growth, but I am also considering thematic ETFs such as

$IUIT (+0,35%)

$IUHC (-0,68%)

$ASWC (-0,52%)

I find simply saving in the S&P500 with a savings plan kind of boring, and I don't know why.

I find it very difficult and too time-consuming for me to find the right time to invest in Microsoft, AMD, Stryker, Novo Nordisk, Cadence Design Systems, Walmert, Alphabet etc., for example.

I would keep my €500 savings plan on the 6 dividend ETFs running, but then add the themes ETFs to the savings plan rate.

What's your opinion - I'm curious!

Regards

Hello dear community,

I've been investing for a little over a year now and have learned a lot during this time. I've tried things out and looked for my strategy. It was important to me to just get started before thinking about it and wasting time working on the theory.

• My goal: to accumulate as much money as possible in the long term in order to have enough money at the age of ~40 (currently 23). "Fuck-You-Money" and not be dependent on anyone and be able to live off investment income at some point.
• Medium-term goal: in 2030: 100K securities account
• Short-term goal: to complete a bachelor's degree in finance in 2026

Net worth:

• 17K cash
• 7.5K gold (physical)
• 1.5K silver (physical)
• 12K securities account
• 1.2K crypto

Bottom line: just under 40K total capital

Now that I have searched for my strategy, I have found it and would like to pursue the following: a portfolio consisting of 65% ETFs and 35% individual stocks

30% $FGEQ (-0,67%) Fidelity Global Income (distributing)

15% $VUSA (+0%) S&P 500 (distributing)

10% $IBC3 (-1,72%) MSCI Emerging Markets IMI (distributing)

10% $IMEU (-1,43%) MSCI Europe (distributing)

35% Individual shares

In terms of individual stocks, I want to focus on stocks that appeal to me (whether growth or value). Do my own analysis, form an opinion and enjoy seeing people on the street who consume the products I am invested in and who therefore pay my dividend.

I am fully aware that some people say that I should go for accumulating products as I age. Yes, I could do that. But in Austria it doesn't make sense from a tax point of view and psychologically it's always fun when dividends are paid out into your account. In addition, many people think that you should only switch to distributing products once you reach a certain age and then change over. I will save myself the trouble of switching because I have been invested in distributors from the outset.

Now I would like some constructive input from you.

• In your opinion, does it make sense $IWDA (-0,43%) (MSCI World) and $VHYL (-1,03%) (All World Dividend) and put everything into the $FGEQ (-0,67%) which I will save in from now on? Or would you keep these positions?
• How would you manage the overweight in precious metals? (Largely gifts)
• How would you bring the high cash holdings into the market? (Keep 5-6K nest egg)

Crypto will definitely be liquidated this year and reallocated to the portfolio.

Further education and increasing human capital will be pursued on the side anyway.

Many thanks for your ideas and feedback in advance!

Purchase decisions unscheduled No. 2 ... the good file continent.

Evening all,

I have been running savings plans on ETFs for a few months now, but not taking into account the overlap of the top 10 companies. Accordingly, I have picked out some that differ in this matter. Now, of course, the USA overweight is an issue. So I still have the $VFEM (-1,58%) and the $IMEU (-1,43%) out.

Long story short, my real question is: How many ETFs are too many ETFs?