Hello everyone,
I wanted to introduce my current depot...I'm 34 years old, married and earn my living as a train driver.
I myself only started actively investing at the beginning of 2024before that I had little to no basic knowledge - so to be honest I'm pretty naive started. 😅
In the meantime, I've gone deeper, read a lot, analyzed, improved - and built up a long-term plan.
🔍 My goal:
A robust, stable portfolio with a focus on:
- long-term wealth accumulation
- regular passive income through dividends
- a small admixture for future themes (Bitcoin)
This is what my portfolio currently looks like:
🧱 ETF as a foundation
- iShares Core MSCI World (ACC) - 100 €/month
➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.
🏢 REITs & real estate dividends - for monthly cash flow
- $O (+0,21%)
Realty Income - 50 €/month - $STAG (+1,29%)
STAG Industrial - 25 €/month - $VICI (-0,8%)
VICI Properties - 50 €/month
➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.
💸 Dividend stocks (consumer goods & energy)
- $MBG (-0,35%) Mercedes Benz Group - 50 €/month
- $PEP (-0,48%)
PepsiCo - 50 €/month - $KO (+0,23%)
Coca-Cola - 50€/month - $CVX (+1,03%)
Chevron (new) - 50 €/month - Invesco EURO STOXX High Dividend Low Volatility UCITS ETF Dist - €100/month
➡️ I want to build up a reliable long-term dividend cushion here - defensive brands such as KO/PEP have "peaceful sleep quality" for me.
₿ $BTC (+0,15%)
Bitcoin
- Savings plan: €50/month
➡️ This is my "future addition" - deliberately kept small, but built up regularly.
💰 Liquidity
- Overnight money account reduced to ~€5,000 (nest egg)
- Previously a car purchase (€28,000) was made
📆 My strategy:
- Follow through with savings plans consistently
- Reinvest dividends
- No more panic selling, just learn & observe
💭 Conclusion:
I know I didn't start not started with perfect conditionsbut I try to learn from mistakes and build solidly in the long term.
My portfolio is still being built up, but it already feels quite coherent: broad-based, cash flow-oriented and with a view to the future.
