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BockaufDividenden
@BockaufDividenden
8Mes·

Dividend portfolio - later growth/blue chips


Hello and good evening everyone!

I would love to get some feedback on my dividend portfolio!


  • My goal is to get over €2,000 in dividends and more per year (I have €2,000 in the exemption order anyway due to marriage) and I would very much like to receive monthly cashflow.


  • I always have one strong dividend ETF and one growth ETF per quarter because I want to be broadly diversified:


  • 1 | January, April, July, October

$EXX5 (-0,6%) and $ISPA (-0,36%)

  • 2 | February, May, August, November

$FUSD (-0,06%) and $IMEU (+0,35%)

  • 3 | March, June, September, December

$SPYD (-0,81%) and $TDIV (-0,61%)


  • I also came across REITS and BDCs not long ago, which I know tend to go sideways, but hopefully in a few years I'll have the investments in without buying new positions.


  • In the long term, I would rather switch to growth ETFs (or blue chips) for good growth, but I am also considering thematic ETFs such as

$IUIT (+1,01%)

$IUHC (-0,49%)

$ASWC (+0,31%)


I find simply saving in the S&P500 with a savings plan kind of boring, and I don't know why.

I find it very difficult and too time-consuming for me to find the right time to invest in Microsoft, AMD, Stryker, Novo Nordisk, Cadence Design Systems, Walmert, Alphabet etc., for example.


I would keep my €500 savings plan on the 6 dividend ETFs running, but then add the themes ETFs to the savings plan rate.


What's your opinion - I'm curious!


Regards

18Posizioni
71.918,77 €
2,35%
3
5 Commenti
Julian@MoneyISnotREAL
8Mes
I don't quite understand the thought process:

Stop saving in the S&P500 because it's too boring.
But then pick out 2 sectors (technology & healthcare) and invest in them (just because they are the two most heavily weighted in the S&P500?). In addition, they are accumulating instead of distributing, if you want to "generate" dividends.

If you split it up, you bring more effort into the portfolio, because at some point you will have to "rebalance" to meet your objective again and minimize an overweight in one direction (e.g. tech).

With some of your individual positions, you overweight the strongest position(s) in the ETF (e.g. Altria Group).
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BockaufDividenden@BockaufDividenden
8Mes
@MoneyISnotREAL
Hey thanks for your feedback!

I picked out the two sectors, in particular the technology ETF, because it has performed better than the Nasdaq100 over the years.

I have too little technology in it overall anyway. Health because I think it always rises in the long term and defense too, you can see how politically everything in the world is getting mixed up...

These are deliberately accumulating for maximum capital appreciation, parallel to the dividend ETFs, where a good € comes in every month. I would gradually expand the accumulating ones from the savings plan and the dividend ETFs would simply continue to run.

(Altria Group is actually rather unsuitable, not to be compared with the REITS and BDCs, that's true).


Or can you recommend other, better accumulating ETFs with a strong focus on growth? I'm open to any advice :)
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Julian@MoneyISnotREAL
8Mes
@getquinuser9999 The sector ETFs (technology & healthcare) are just one sector.

This naturally gives you a better chance of returns, as you can see in the tech sector, for example.
The healthcare sector is not doing so well compared to the entire S&P500.

If both sectors are doing the best and pulling up the S&P500, you have more return (because you don't have the "brakes"). But if the other sectors are doing better, then you are at a disadvantage.

It's all a question of your own perception of risk. You're making yourself dependent on just 2 sectors, which means less diversification.

Diversification usually means a loss of returns in high phases, but in low times it can dampen a swing into negative territory.

Just because the sector has performed well in recent years does not mean that it will perform well or better than the market for the next 40 years.

That's the question you have to ask yourself: are you convinced that the sector will outperform (in your case, the overall S&P500) - or not?

Can you stand it if these two sectors collapse and the others take off - sit out the loss?

I myself also have the S&P500, but I wouldn't take out a single sector. I'd rather do without the top few % return, but I'm not completely dependent on one sector.

On the subject of accumulators:
I understand why you choose them. Efficient asset accumulation through "tax deferral". Certainly a good choice.

On the subject of overlap:
Go ahead and look at your ETFs and individual positions, and do the "DeepDive". I think Morningstar even offers this on their website.

Finally:
You need to feel comfortable with your investment and be able to sleep soundly. There is no one way.
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Stulle 🥪@Stullen-Portfolio
8Mes
In principle, I think it's excellent to think about things, @getquinuser9999, but perhaps you should take a few more objective thoughts from others (e.g. from Gerd Kommer via his books), increase your knowledge in order to arrive at more mature thoughts and an overall goal-oriented strategy including an appropriate allocation...🤷‍♂️

Greetings
🥪
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K@TechNav
8Mes
Shortly before retirement, my portfolio will look like yours
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