2Mes·

Depot of the future

Hello dear community,

I would like to introduce you to my future portfolio today.

First of all, I am 25 years old and I would like to build up a portfolio for the next 20-30 years that gives me security for my retirement and at the same time always generates a cash flow through dividends.

This is what my portfolio should look like:

Core: Vanguard FTSE All-World $VWRL (-0,91%)

Fidelity Global Quality Income $FGEQ (-1,25%)

Equities:

Microsoft
Nestle
Coca-Cola
Amazon
Johnson&Johnson
Illinois Toolworks
Alphabet
UnitedHealth Group
Novo Nordisk
Visa
Texas Instruments

The aim here is to save EUR 25 per month in both the dividend growth stocks and the high dividend stocks. The core is made up of the ETFs, which are saved with 100 and 150 euros respectively. Do you think this allocation makes sense?

I look forward to hearing your opinions and suggestions for improvement.

Of course, I would like to buy larger quantities in the event of a setback if something comes up here.

Many thanks for reading and for your tips

14 Commenti

Chrisse95@Chris_legt_an

2Mes

I think your strategy is cool! I think I would only have a few other candidates for the individual stocks.
Nestle, for example, would be out for me, and I would include an insurer like $ALV instead.

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Sebastian@Basde99

2Mes

@Chris_legt_an Thank you very much for your opinion :)

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Andre@DivGrowth1989

2Mes

I think that's good, as I do it in a similar way. I also think the stock selection is good, and I have a few stocks in my portfolio.
And now stay with it for 30-35 years....

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Saarastronaut@Watzeklicker

2Mes

One Microsoft is already highly weighted in both ETFs. The question is whether you still need to have them as individual stocks. In principle, the selected individual stocks are not bad, but I don't know what you want to achieve with this selection.

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Sebastian@Basde99

2Mes

@Watzeklicker I am betting on quality stocks with already good dividends and also on dividend growth; Alphabet, Amazon and Microsoft should also drive performance a little as BigTechs.

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Markus@Angryfication

2Mes

I would think about the following:

Nestle and CocaCola -> $PEP
J&J -> $ZTS

Among others, a data octopus from the segment $SPGI, $ICE or $LSEG.

$ADP and $BKNG could also be quite nice.

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Freddy@diviinvestor

1Mes

The FGEQ and the VDIV are sufficient if you are into dividends.

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Johnny B.@JBatelli

2Mes

I think that's very good!!!

But I would personally swap a few individual stocks.
Nestlé -> $PG (Nestle has a lot of withholding tax)
ITW -> $SNA $PH $DOV
United Health -> $ALV $MUV2
Texas Instruments -> $AVGO $ACN

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Dividendenoldie@Dividendenoldie

2Mes

@JBatelli the withholding tax is only partially true, you can simply get it back online from the tax authorities in Switzerland... Really exemplary in contrast to some other countries... :)

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Johnny B.@JBatelli

2Mes

Ahh, that's good that you said that. I didn't know it was a bit easier there than in other countries. Then I won't even find out more. So far, I've just been put off by the high withholding tax.

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GreenWash@GreenWash

2Mes

@JBatelli I thought Nestle is only available as ADR anyway and then the American withholding tax would apply, or am I wrong? 😅

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Johnny B.@JBatelli

2Mes

@GreenWash I don't think so. But I can't find a really reputable source either.

On brokerexperte.de it says: ADRs are now treated the same as shares for tax purposes. For withholding tax, the tax rate of the home country applies and not the reduced tax rate of the USA. However, dividend payments may incur additional costs for the investor, which the issuer of the ADR charges for forwarding the dividends.

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Dividendenoldie@Dividendenoldie

1Mes

@GreenWash you can buy Nestlé directly and free of charge from Finanzen Zero, "only" the spread is charged, they buy them on the Swiss stock exchange.
I have an account with them just for Swiss shares, I'm with DKB and Maxblue anyway, my wife is with Ing, it's very cheeky what they charge for Switzerland, and ADRs are out of the question for me...

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Maximilian@Max095

1Mes

Wow that's exactly my strategy! 😯 except I'm thinking of just using the $FGEQ as the core :)

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