Hi everyone,

My savings plans as of 01.06.25:

$NOVO B (+0,13%) - 400€

$NADQ (+0,19%) - 400€ + 15€ cashback

$HMWO (+0,32%) - 400€

$VHYL (+0,33%) - 200€

makes €1,415 for the month of June.

Where are you investing next month?

Looking forward to your ideas.

My focus is on dividend stocks and would like to bring the ETF - stock ratio to 60/40, therefore currently higher investment in ETF.

I asked myself this question some time ago. Saving, investing, building up assets - all well and good. But what is it actually for? What is the goal?

At some point, the answer was clear to me: financial freedom.

Not because I never want to work again. On the contrary - I like working. But I don't want to have to anymore. I want to be able to decide for myself how I use my time without my income depending on it.

That's why I've opted for a clear focus on dividend ETFs. $TDIV (+0,11%)
$VHYL (+0,33%) decided on dividend ETFs.

They provide me with a regular, predictable income - a step towards independence. This cash flow currently allows me to work part-time and at the same time build a self-employment that is based on my interests - not on a fixed employment contract.

I am fully aware that if I were to invest purely rationally and with a focus on returns, e.g. only in the $VWRL (-0,03%) the path to absolute financial freedom might be shorter.

But let's be honest - who knows whether you will ever reach your goal? Health, life circumstances, fate - there is no guarantee for later.

So why not live a little more freedom today instead of putting everything off until "someday"?

My portfolio reflects precisely this conviction - long-term focus, but with ongoing benefits. And to be honest: I simply enjoy investing.

That's why, in addition to solid dividend payers, I also have a few positions for gambling $BATS (+0,52%)
$GOOGL (+0,13%) - Shitcoins $CHZ (-4,88%)
$MANA (-6,75%)
$SOL (-1,77%) included.

What do you think?

Hello everyone,

I am currently toying with the idea of reorganizing my portfolio.

It currently looks like this:

50 % $HMWO (+0,32%)

20 % $AEEM (-0,55%)

30 % Shares with reference to dividend($MAIN (+0,82%) , $O (+0,27%) , $PEP (+0,42%) 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 (-0,03%)

30% $JEGP (+0,28%)

5% $BTC (-0,27%)

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 (+0,33%)

15% $JEGP (+0,28%)

5% $BTC (-0,27%)

Objective here: as with option 1, only slightly less reallocation work and slightly less risk.

Option 3:

55% $VWRL (-0,03%) or as ACC

25% $VHYL (+0,33%)

15% $JEGP (+0,28%)

5% $BTC (-0,27%)

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 🙂.

Hi folks,

wanted to know your opinion! I have two ETFs in my portfolio at the moment! $VWCE (+0,23%) and $VHYL (+0,33%) both are saved with 1000€ per month each! I was wondering whether I should also add the $ISPA (+0,56%) into the portfolio! Thought about 50k starting capital and 500€ monthly savings plan! Since the Global Select 100 is a bit more international, it could be a counterweight to the very US-heavy FTSE All world!

I'm curious about your opinion 🙂

Have a nice rest of the weekend everyone

Hello everyone,

With today's high, I have cracked my first target of €50,000 for the first time.

The next target is of course €100,000, hopefully by the end of 2026/beginning of 2027.

I would therefore like to present my portfolio to you and hope that you will have any suggestions for improvement and constructive ideas.

Basically, the focus is on buy and hold / growth. But a dividend is also nice.

I started thinking more intensively about the whole topic around the beginning/middle of 2023, at the age of 29. The aim is to possibly reach the millions after all, or in any case to have a more comfortable retirement later on.

Before that, it was more about trying things out or the "safe" investment that you get from your parents. In the meantime, we saved in stories such as DWS funds. I still have one of these "corpses", the DWS Vermögens... $HJUF (+0,43%) .

However, this is also to be restructured in the near future.

I am currently working on increasing my ETF positions to get to a ratio of 50%/50%. I have not been so successful with this recently, as I have increased many individual stocks due to the low.

Actually, the iShares Core S&P 500 $CSPX (+0,21%) and FTSE All-World $VWCE (+0,23%) are in the foreground.

Yes, I am also saving here at the same time $VWRL (-0,03%) for a few more dividends a year. You are welcome to give your opinion on whether this makes sense or whether you should only take one of the two.

My current monthly ETF savings plans at a glance,

Core S&P 500 $CSPX (+0,21%) - 150€

All-World $VWCE (+0,23%) - 70€

All-World $VWRL (-0,03%) - 70€

MSCI World $IWDA (+0,19%) - 40€

S&P 500 Information Tech $IUIT (-0,25%) - 30€

All-World High Divid. $VHYL (+0,33%) - 30€

VanEck Sustainable World Equal $TSWE (+0,14%) - 30€

VanEck Developed $TDIV (+0,11%) - 15€

iShare DJ Global Titan 50 $EXI2 (-0,1%) - 15€

Here, too, a merger would be conceivable and also make sense.

For example, since I hold the DJ Global Titan 50 $EXI2 (-0,1%) and the MSCI World $IWDA (+0,19%) with a small amount for ages, I have not yet been able to part with them.

I still save the following shares weekly at €7 each on the side,

$BRK.B (+0,22%)

$BLK (-0,2%)

$PG (+0,74%)

$PEP (+0,42%)

$KO (+0,4%)

In addition to the above, I buy individual shares, ETFs or top up positions worth a further €500, depending on prices.

On average, my monthly savings rate is therefore around €1,000-1,500.

As already mentioned, I would like to ask the community for their opinion, any suggestions for improvement and constructive ideas.

Thank you very much, best regards and happy trading days.

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 (+0,56%) + $EXX5 (+0,43%)

February, May, August, November

$FGEQ (+0,77%) + $IMEU (+0,3%)

March, June, September, December

$TDIV (+0,11%) + $VHYL (+0,33%)

+ $O (+0,27%) + $MAIN (+0,82%) + $ARCC (+0,78%) + $VICI (+0,48%) + $HTGC (-0,07%) + $BATS (+0,52%)

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

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.