3G·

Why are you actually investing?

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 (+0,2%)
$VHYL (+0,23%) 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 (-0,36%) 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 (+0,08%)
$GOOGL (-0,13%) - Shitcoins $CHZ (-0,61%)
$MANA (-0,8%)
$SOL (-0,83%) included.

What do you think?

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41 Commenti

Michael@Happysurfer

3G

That's exactly how I see it. I also know that pure dividend-free investing would certainly yield a higher return, but I don't want to have to calculate beforehand how far I will get when I make a withdrawal plan.
So I invest specifically in dividend etfs and shares and can decide each month whether the dividends paid are enough to quit my job.
I also have two children who will certainly be happy to have an additional monthly income later on.

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3G

@Happysurfer It will definitely be enough for the children at the latest 🙂👍🏻

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Michael@Happysurfer

3G

@EisenEnte I haven't tracked everything here. I also have two rented properties. Plus a savings rate of 1000-1500 euros. That's one month a month for me that I can stop sooner.my house is paid for. My electricity and heating costs are covered by my solar system. So I basically only need money for food.

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@Happysurfer Very strong, then you are definitely much further ahead than me 😅

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immagine del profilo

3G

I have opted for the dividend-paying FTSE AllWorld instead of the High Dividend. I still have too long an investment horizon, and would therefore prefer to take yield and high dividend growth per se with a smaller "starting dividend" compared to the High Dividend.
So that my individual dividend yield will hopefully pay out a nice sum in 30 to 40 years.

But yes. My goal is also more independence from income. Perhaps to be able to try out a few jobs that I would find exciting, but which would bring in less income than my current job.

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3G

@Metis With the investment horizon, it definitely makes sense to proceed in this way 👍🏻 Definitely try out other things. I think these are the things you get annoyed about if you haven't done them.

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TheFlyingChris@TheFlyingChris

3G

I like your mindset very much!

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3G

@TheFlyingChris Thank you 🙂🙂

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DaMerkl@DaMerkl

3G

Very cool and clean portfolio 👍🏻

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immagine del profilo

3G

@DaMerkl Thank you 🙂

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Leo@MCKrummel-Divi-Holding

3G

The $JEGP is still missing here 😜

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3G

@MCKrummel-Divi-Holding He's too new to me to be able to assess how he will develop 😅

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Leo@MCKrummel-Divi-Holding

3G

@EisenEnte Risiko 🙈😇

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QUANTIJS@QUANTIJS

3G

@MCKrummel-Divi-Holding And $JEPQ (JEQP on Xetra)

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3G

@MCKrummel-Divi-Holding Phew 😅 That's exactly what I want to avoid 😅

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Leo@MCKrummel-Divi-Holding

3G

@EisenEnte I am also currently reorganizing my portfolio and added an amount this morning, but unfortunately didn't get any feedback.
I will add $JEGP to $VWRL and add some btc and individual stocks!

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immagine del profilo

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@MCKrummel-Divi-Holding I wrote to you under your post 👍🏻
As already mentioned, I wouldn't put too much weight on such a young etc. But if it works out, of course I don't begrudge you that 🤑👍🏻

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investor_2234@investor_2234

3G

Because I love gambling and to buy an apartment so I can rent it to single moms for 40% extra

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3G

@investor_2234 🤑😄

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Johannes@Jockel3991

3G

Looks stable. Decent dividend increase per year 💪

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3G

@Jockel3991 Thank you 🙂 If this continues on average, then I'm getting a lot closer to my goal 👍🏻

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Johannes@Jockel3991

3G

@EisenEnte sounds like an ambitious goal. Good luck and bubbling dividends, keep us up to date 🤑

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Walter S.@Roots

3G

I see it the same way ...
For me, dividends are nothing bad...
and: my risk premium
some companies have built up business models and a brand that make it possible to grow solidly and pay dividends. .
These companies simply have too much left over and can only continue to grow at the core...
So everything you write is correct.
Regards

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Anonym@AbteilungsleiterDerLiebe

3G

@EisenEnte Really cool portfolio. I'm also thinking about investing in TDIV. I already have the vanguard high div. How do you see the diversification with TDIV ?

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2G

@AbteilungsleiterDerLiebe Thank you 🙂 Diversification is of course not comparable with $VHYL. At least it is rebalanced every six months. I also like the fact that the USA is rather underrepresented and the wtf is quoted in euros. But as the financial sector is heavily overweighted and it only contains shares from the developed markets, I also have $VHYL in the portfolio.

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Stephan K.@StrahlemannLP

2G

Well, the letter that comes from the LVA every year screams at me loud and clear: "Do something!" and that's exactly what I do. I first invest 50% in ETFs and fund-based products and then allocate the rest as I see fit, which has gone very well so far.

I currently earn enough money, but it would be nice if I could be sure that nothing could knock my socks off in the long term. Furthermore, I manage our family home here and there's always something that needs to be done to it and a renovation is just around the corner, which I'm helping to save for.

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2G

@StrahlemannLP I agree with you. When I open the letter and see what a life in public service would bring me in terms of a pension, it makes me feel different.
A property, even if it costs money and time, is a big step towards financial freedom. And apart from that, the independence of living in your own home is very nice 🙂

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Stephan K.@StrahlemannLP

2G

@EisenEnte Well, when I read the last line (forecast for retirement, with constant payments) then you can do something with it, but nobody promises it and maybe I don't want to officially work until 70 and then prefer to concentrate from 60 to 65 on swinging in front of YouTube as an old man and then giving tips to the younger generation...because: Hey! We still survived as kids when there were only phone booths and a local call of 30s, 30pf cost. And if you didn't have any change with you, you had to walk.

In this respect...also because I am interested in many things, I started the adventure late (at 38) to become active on the floor myself and have not regretted it!

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2G

@StrahlemannLP Probably true. Who knows what the tax situation will be like by then or what else will be going on. And as you say, who knows if we won't be working longer than 70 by the time we get there 😐
Better late than never. I wish I had started earlier too. But the main thing is to get started 👍🏻
Good luck with building up your wealth and, of course, have fun 🙂

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Mathis@MoneyMatze

2G

Love the VDIV Etf Ehr cool thing

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immagine del profilo

2G

@MoneyMatze In any case 🙂👍🏻

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immagine del profilo

2G

I see it the same way. The aim is to receive a reasonably acceptable dividend every month as quickly as possible. In general, everyone should keep their own goals in focus. Strong profile @EisenEnte, 100k and 2k dividend is my goal for 2025. And a rejuvenation of my positions of course. .. :D

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Visualizza tutti 3 ulteriori risposte

Patrick Z.@GottundMeister

2G

I'm still completely new to the subject. At the moment I'm just investing a little to familiarize myself with the matter (and for the time being only with amounts that don't hurt if you lose them, for me the whole thing is interesting because you have everything in your own hands and are not tied to any contracts, and yes, there is also a bit of thrill involved).

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immagine del profilo

3G

For your information: Including sales, the return since inception is approx. 38%. IZF: 13.80% TTWROR: 65.51%

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immagine del profilo

2G

Excuse me for asking, but what exactly is more "predictable" about dividends than capital gains?

Dividends are not interest coupon payments like bonds.
That would be predictable

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wealth_strategist_1621@wealth_strategist_1621

1G

Have a look at the $QYLE ETF. 12.7% dividend. Definitly worth to take a look at

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