Share or ETF savings plan

Also a good approach

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@Slucks87 thanks, I'll see what's available, I've now set up 2 savings plans and I'll buy the rest individually. I think dividends are better because you don't have to sell any shares.

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@Slucks87 Have I got the wrong idea? 😅

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23H

@Abyss If you don't need the money, you don't need to sell any shares. However, the dividend is automatically deducted from the share price. Both are actually the same.

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Harald@Madhatter5566

When it comes to dividends, I would tend towards stocks. ETFs collect them, you wait longer, they sometimes have Strunz in them if they are focused on dividends.

Even if dividends really don't bring you much. That's always a thing to manage or leave to tax... Without added value

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@Madhatter5566 thanks I'll have a look 👀

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@Madhatter5566 can you briefly explain to me what you mean by Stocks ?

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Harald@Madhatter5566

@Abyss I meant individual shares. So no ETFs if the focus is really to be on dividends.

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Keineui@Keineui

For dividends $WINC instead of individual shares. Stable share price and good dividend. With a savings plan on individual shares with a focus on dividends, you always have the risk of high losses. It wouldn't be worth it to me.

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@Keineui I have to agree with you, the ETF is quite favorable in price. do you save this?

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@Keineui I looked, I could have saved myself the question.

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I'm not a professional, but last year I came second in the dividend challenge at @Tenbagger2024.

You can take a look at my portfolio, I don't have any savings plans and, if possible, I always make new investments with individual purchases.

You can also take a look at @Dividendenopi, which has developed from a trainee to a permanent dividend institution.

@Dividendenopi 😘

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@SAUgut777 mega, your portfolio looks good. yes, i would rather have cash now than in retirement, you get a state pension anyway, which is meager i know. But if you still have a booster with dividends, it balances out. if you reinvest, you have to sell shares, which shrinks your portfolio. if you distribute, your shares remain unless the company goes bankrupt and the ETF closes.

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@SAUgut777 you are welcome to take a look at my Depo and give me your opinion if you like.

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@Abyss For me, it's not about having cash to live on now, but about having steady cash to put into new investments or the same ones.

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@SAUgut777 ah okay, I see, that's a good idea too.

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23H

@Abyss The dividend is deducted from the share price, so your portfolio also shrinks with every dividend payment.

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22H

@Olli68 but it's nice if it rises again to old and new heights after the payment and the payments can also be invested in other rising stocks with dividends, so your comparison is just limping 🤫😉

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22H

@SAUgut777 No, it doesn't lag behind. If the dividend had been accumulated, the price of the accumulator would rise in parallel. Just at a higher level.
It makes zero difference to the overall value whether you receive the dividend or whether you sell shares in the accumulator in the amount of the dividend. Zero difference.

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22H

@Olli68 so if it makes zero difference, I don't understand your comment or criticism right now 😅

Especially if the dividend is invested in further growth or new assets 🤷🏻‍♂️

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22H

@SAUgut777 less tax

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