Dear community,
After spending the past years experimenting with different stocks, sectors, and dividend, I am researching to refocus my portfolio toward a more ETF-centered approach. With simplicity, long-term growth, and high conviction as the guiding principles.
At 23 years old, I’ve realized that while dividend investing is appealing (and I’ve enjoyed seeing my payouts coming in), my real goal is wealth accumulation over the next years. With a long-term investing horizon, compounding is powerful, but why chase a 4–5% dividend yield when some well-diversified ETFs have historically returned 8–10% annually?
So here are the thoughts I have:
- I’m aiming to trim down individual stock positions to reduce complexity. Not all, as I still like the dividends and the upward potential of some stocks
- I’ll build around core ETFs I already hold (like VHYL and VWRL as the core of my portfolio)
- I'm looking to increase my position in TDIV (focused on dividends and a little growth, the best of both worlds).
- I’ve also researched $LOCK (-1,22%) (iShares Digital Security ETF). As
the digital infrastructure theme seems like a long-term winner regarding digital innovations such as AI and new LLM's. Anyone holding this that can share their story about it? I am looking to make it into a DCA-strategy with monthly purchases.
📌 My next step: Further research $LOCK (-1,22%) and your experiences with it, but I want them to bring specific exposure to Europe, as I currently feel too tilted towards the US giants.
👉 So here’s my ask to the community:
- What European-focused ETFs would you recommend for someone in the accumulation phase? That complement TDIV and the digital security exposure?
- Any other tips to streamline an ETF-only portfolio without sacrificing performance?
Chasing hype or income is not my strategy right now. I’m here to build wealth with a clean, focused strategy for the long-term. Appreciate any thoughts, ETF ideas, or personal experiences you’re willing to share 🙏
Let’s keep growing, one smart allocation at a time. 🚀
