Hello lovelies!

I've been reading here for a long time now and have given it a lot of thought!

I started "investing" in mid-November (I just bought something or listened to someone who posted something somewhere). So by my standards, I've paid quite a bit of learning money.

Then I started paying into individual shares and ETFs with savings plans, which was only partially thought through.

Now I've got rid of pretty much everything and have drawn up a very detailed plan with goals, milestones and when to pay in what.

Individual items, such as $MO (+0,19%) , $O (+0,4%) and $ATO (+6,67%) I still have in my portfolio, but I will part with them at a time that suits me.

I am now 21 years old and will start studying dual tax law in September.

This will earn me some money and I still have a part-time job.

My plan is to invest €500 a month in a savings plan.

iShares Core MSCI World (Acc)$IWDA (+0,25%)

170€

Nasdaq 100 Covered Call (Dist)$QYLE (+0,06%)

85 €

S&P Global Dividend Aristocrats (Dist)$ZPRG (-0,36%)

80 €

Vanguard FTSE All-World High Div (Dist)$VHYL (+0,19%)

65 €

iShares Nasdaq 100 (Acc)$CSNDX (+0,34%)

50 €

FTSE Emerging Markets (Dist)$VFEM (-0,2%)

50 €

As my salary will increase over the course of my studies and afterwards, I would like to increase my monthly savings installment by €50 each year. In addition, there will be an extra €2000 minimum per year and larger payments in individual years, such as my savings account in 2037, which will then be finished.

I also considered ETFs. I now have a mixture of distributing and accumulating. I am well aware that it would be better to only save in accumulating ETFs. However, I think it's more motivating and easier for me to receive the dividends and to realize that something is happening and I'm getting something. I will reinvest the dividends. I just don't know exactly how yet.

I'm currently considering whether I want to invest some of it or additionally in $BTC (-0,28%) preferably with a savings plan (or maybe another platform where it's really Bitcoin).

If I do everything exactly as planned and achieve an average annual return of 7%, I will theoretically be able to live with 45/50 of it. According to my plan now, I would like to start shifting to purely distributing at 40/45 and save a little more depending on my life situation.

This would cap my pension and I would have something I could pass on to my children to give them some security.

You never know what life will bring. Maybe I'll manage to save more sooner or have setbacks and not make it according to plan, but I've made the plan with savings rates... rather pessimistic and hope that I can exceed my annual goals.

I look forward to hearing what you think about this.

Hello everyone,

I am just wondering whether it makes sense to buy the Vanguard FTSE All-World High Dividend Yield (VHYL) $VHYL (+0,19%) in addition to the FTSE All-World (Dis) $VWRL (+0,14%) into the portfolio.

Both ETFs are globally positioned, but VHYL focuses on high-dividend companies.

In your opinion, would this be a sensible addition for regular distributions - or would it hardly bring any additional benefit because the contents overlap?

I look forward to hearing your opinions.

What do you think about diversification within an ETF? Specifically, I have $TDIV (-0,02%) and $VHYL (+0,19%) in the portfolio. The performance of TDIV is unbeatable for dividend ETFs, but only around 100 positions are held. In contrast to VHYL, where over 2000 companies are represented, but the performance leaves a lot to be desired.

I would like to increase my position in TDIV and save on VHYL. I know from the charts that the risk is already quite low from 30 companies in different geographical and economic sectors. Nevertheless, I would be interested to know what you think about this and whether the risk with TDIV is nevertheless estimated to be somewhat higher than with VHYL.

Have a good start to the week!

✅ I took profits today from Amazon $AMZN (+0,43%) , Microsoft $MSFT (+0,4%) and NVIDIA $NVDA (+0,59%) realized.

📥 This money was directly reinvested to strengthen dividend and future stocks.

💸 Newly invested (one-off purchases today):

• Take-Two Interactive $TTWO (+1,82%) - (future play with GTA 6)
• Shell $SHEL (+0,86%) - (energy + dividend)
• BYD $1211 (-1,54%) - (growth China/E-mobility)
• Procter & Gamble $PG (+0,37%) - (stable dividend, consumer goods)
• Allianz $ALV (-0,74%) - (high dividend, defensive)
• McDonald's $MCD (+0,53%) - (dividend aristocrat + consumer)

📆 Savings plans from August (monthly):

• Johnson & Johnson $JNJ (+0,56%)
• 
  Realty Income $O (+0,4%)
• 
  FTSE All-World High Dividend Yield ETF $VHYL (+0,19%)
• 
  S&P Global Dividend Aristocrats ETF $ZPRG (-0,36%) (one-off)

➡️ Goal: More passive income through dividends & better balance in the portfolio between tech and defensive stocks.

🧠 Long-term oriented, with a clear focus on quality, stability & growth.

What do you think?

$VHYL (+0,19%)

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (+0,61%) Deka DividenenStrategie - €100 per month.
• $CSPX (+0,3%) Ishares S&P 500 - 50 €/month
• $VWCE (+0,27%) Vanduard FTSE All World - 50 €/month
• $BRK.B (+0,14%) Berkshire Hathaway B - €50/month
• $SMEA (+0,13%) Ishares MSCI Europe 50 €/month
• $VHYL (+0,19%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-6,12%) , $AMZN (+0,43%) , $AAPL (+0,69%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0,19%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (-0,28%) buy.

Should be removed from the portfolio:

• $TGT (+0,22%) Target
• $NKE (+0,22%) Nike
• $D6RF (+0,77%) Deka Umweltinvest
• $DEDG (+0,35%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

Good morning everyone,

I am planning to restructure and reorganize my ETF. I had thought about the following allocation. The plan is a one-off investment of €20,000-€25,000 and then monthly savings plans. The whole thing will be divided into percentages.

30% $VWRL (+0,14%) FTSE All-World

25% $HMEF (-0,12%) MSCI EM

20% $EXSA (+0,16%) Europe 600

15% $VHYL (+0,19%) All-World High Div

10% $WAT (+0,69%) MSCI Water (Themes ETF)

Does the community have any tips or suggestions for improvement?

Kind regards