I expect to receive around €3,000 in dividends this year, i.e. an average of €250 per month. 🎉

And my goal is clear: don't leave it lying around, reinvest it straight away.

But now I'm asking myself: what's the best strategy here?

How do you do it with your dividends?

Options I am considering:

A fixed ETF just for reinvesting, e.g. a dividend ETF or world ETF - and put everything in there every month, e.g $VWRL (+0,57%) or $VWCE (+0,79%)
Adjust flexibly every month and invest in a dividend stock (king or aristocrat) in which I see the best opportunity at the moment, this month it was the $ALV (-0,25%)
Collect and invest 1x/year (e.g. at the end of the year / on a dip)

I've started doing it this way now:

👉 Every month check what's coming in in dividends and then set up a savings plan for the middle of the month.

I've started with Allianz as a test - but I'm not sure whether that makes sense or whether I'd be better off putting it consistently into a dividend ETF, such as $TDIV (-0,31%)

I'm also considering starting a separate ETF for this so that I can track it closely:

What have my reinvested dividends really brought me? (I find this quite motivating from a purely psychological point of view 😄) but I would actually rather reduce my positions than build up more.

How do you do that?

• Do you have a "reinvest ETF"?
• Do you invest on a monthly basis or rather bundle them?
• Do you prefer dividend ETFs, shares, world ETFs or simply buying into the strongest positions?

Looking forward to your tips & experiences! 🙏

Dear getquin community

Having been a silent reader here for a few months now, I would like to briefly introduce myself and my journey so far. Before I do, however, I would like to say a big thank you to everyone who regularly shares very exciting posts here and helps this community to grow. You are not only convincing in terms of content, but also create a really pleasant atmosphere in the forum with your appreciative way of writing.

My Story

Against the background and with the expectation of a substantial inheritance, I have been looking into investment opportunities as a complete newcomer to the stock market since the beginning of 2025. As I wanted to gain some experience first, I started investing my annual savings on a trial basis instead of paying off my mortgage as usual.

I started with an investment in $SPYI (+0,68%) . As I didn't like the heavy weighting of the USA, in a second step I tried to build up a 35/25/30/10 ETF portfolio with a weighting of the world regions by GDP. The result did not convince me due to the complexity (at times over six ETFs → manual rebalancing effort) on the one hand and the manageable long-term return prospects on the other. In the meantime, I had the idea of investing in slightly better-performing and riskier thematic ETFs such as $SEMI (+4%) and $XAIX (+1,73%) but in the end this only led to an even more complex setup.

I then decided to try a buy-and-hold approach based on individual stocks, but was quickly impressed by the return prospects of riskier stocks. So - also influenced by posts here in the forum - I went all-in at the beginning of November with $IREN (+0,8%) at a buy-in of around € 61 at the time. I now know that this impulse is called "FOMO" 🙂. When a sharp correction immediately began, I realized that return also means risk and that timing plays a role when buying individual stocks. Encouraged by posts here in the forum, however, I didn't sell in a panic, but continued to buy during the correction phase until I was able to reduce my buy-in to €45 at the end of December.

I am now slightly in the green again and the further prospects do not currently motivate me to sell my shares. I am setting myself a price target in the region of the old ATH in order to then reduce the position to a more reasonable size and restructure my portfolio. If I am satisfied with this, I will also invest the larger sum from the inheritance. At the moment, I can imagine a core of $VWCE (+0,79%) , $TDIV (-0,31%) and @Epis 3xGTAA Wikifolio Index as well as a somewhat smaller portion for selected, higher-risk stocks. There are numerous well-founded ideas for the individual stocks here in the forum, for which I would recommend, among others@Multibagger , @Tenbagger2024 , @Iwamoto and @Shiya are very grateful.

It's fun to be here.

I would never have thought that my portfolio value would double from €10,000 to €20,000 in just five months. This rapid increase surprised me and prompted me to take a closer look at my investment strategy.

I follow a classic buy-and-hold strategy, as it is ideal for my long investment horizon of 30-40 years as a 20-year-old. My focus is on growth and steady dividends.

As a core, I have the $VWCE (+0,79%) which should always make up between 30-40% of the portfolio in order to reflect the broad market and capture the average return. I build individual quality stocks with a broad moat around this core, which serve as a yield booster and stability anchor. I also focus on dividend stocks with stable cash flows, dividend growth and growth potential.

As an Austrian $OMV (+1,12%) my local high-dividend stock in the portfolio, which not only provides me with a nice home bias, but above all a decent dividend cash flow. As the position is currently still very small, I will definitely be adding to it in the near future.

As a small hedge in uncertain times, I have 5% $4GLD (+2,39%) in the portfolio, not as a yield generator, but as a buffer in times of crisis.

With $ONDS (+1,17%) I have a small speculative share in the portfolio, which doesn't really fit into my investment strategy and has already become very large. I have already realized the first partial profits and taken out the risk, but due to the outstanding performance I am now simply letting the rest of the position continue to run at a relaxed pace. If it continues to rise, I will again realize partial profits.

The current development of my portfolio confirms that I should remain invested for the long term, even if I am aware that such market phases are not the rule.

I am open to suggestions and questions about my portfolio or my investment strategy.

Hi everyone,

I started last year and would like to hear your opinions on my portfolio.

I currently have savings plans in:

$GOOGL (+0,68%)

$MSFT (+0,61%)

$AMZN (+0,71%)

$META (+0,44%)

$VWCE (+0,79%)

I am thinking about whether I should $1810 (+1,59%) to follow up. I'm basically convinced by the brand.

Cheers

Andi

Am now in the $TDIV (-0,31%) with the sum of the Vanguard! I now have 3 ETFs, each with a €500 savings plan per month!

$VHYL (+0,17%)

$TDIV (-0,31%)

$VWCE (+0,79%)

Hello everyone,

It's hard to believe, but my journey on the stock market began in January 2021 - that means I'm celebrating my 5th anniversary! Behind me lies an extremely instructive time in which I (like so many others) have learned a lot. Today I would like to share my learnings and my new setup for 2026 with you.

1. my mistakes: the hunt for perfect timing

My history includes countless purchases and sales. My biggest mistake? I tried to time the market. Unfortunately, the result was classic: often getting in at the wrong time and - even worse - selling out of impatience or panic, only to watch the stock take off shortly afterwards. Unfortunately, the bottom line for me was that individual share trading was not successful.

2 The new portfolio: Focus & Structure

I made a radical change. Away from the hectic back-and-forth and towards a solid foundation.

My core now consists of buy-and-hold ETFs:

- $VWCE (+0,79%) (Vanguard FTSE All-World)

- $TDIV (-0,31%) (VanEck Developed Markets Dividend)

- $EIMI (+0,69%) (iShares Emerging Markets IMI)

Supplements:

Cryptos: Continue to have a large weighting in BTC.

Precious metals: Just under 5-7% in gold and silver as an anchor.

Berkshire Hathaway: My only "single share" to reduce my remaining share loss pot of around €1,000 in a tax-efficient way.

Momentum strategy: I am fascinated by the model of @Epi. The first tranche is in place, another €4,000 is ready at Smartbroker+. As February and September are statistically often weaker months, I plan to use the next setback in February to make a further entry. A small portion may also be transferred to @Krush82 's Wikifolio.

3. psychology: the problem with loss aversion

Loss aversion is a term that has influenced me a lot in recent years. In psychology, this describes the tendency for us to perceive losses much more painfully than gains of the same size make us happy.

This is precisely my problem: although I know rationally that I am investing for the long term, sideways phases or red days have far too strong a mental impact on me. I look at my portfolio too often - even if I don't change anything - and let it spoil my mood. My goal for 2026: Less screen time, more trust in the process. Rationally, I don't care about the short-term noise, and I need to work on that.

4. my savings plan setup

To take out the emotions, I automate everything:

- Weekly: 300€ VWCE | 30€ TDIV | 20€ EIMI | 20€ BTC

- Every 2 months: 100€ gold | 75€ silver

I also treat myself to a small "gambling portfolio" (€4,000) for high-risk stocks. The motto here is clear: either a total loss in 5-10 years or the next tenbagger. This keeps the gambling instinct away from the main portfolio.

How do you deal with daily volatility?

Do you also have strategies to beat the "app addiction" in bad market phases?

I look forward to your feedback! 📈