21H·

Dividends for growth strategy

Hi everyone,

I am in my mid-20s and still at the beginning of my time on the stock market and would like to invest for property and to close the pension gap. I am currently pursuing the growth strategy and only have accumulating ETFs in addition to individual shares. With the current dividends, I remain well below the annual tax-free allowance.

In your opinion, does it make sense to start investing in a distributing ETF such as $JEGP (+0,13%) to take advantage of the tax-free amount or would you only start doing this when you need additional (monthly) CF in addition to your salary/pension?

Further tags: $TDIV (-0,13%)

9 Commenti

Sina@lawinvest

20H

A good 20 k in a distributing world ETF (msci or ftse) is by far the best way to go compared to the dividend funds. I would only invest in special dividend ETFs in old age or if you expect something from their structure (like vaneck).

The advantage of putting 20k into a shaker is that you don't use the tax-free amount directly, but you can gradually approach it without immediately tearing it off (or keep selling to stay close to it. That's not the point either)... I wrote an article on this at some point that compares the two. But I can't find it so quickly

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structure@cpfl

19H

@lawinvest Thank you for your message. Could it be that you mean this post? https://getqu.in/uJXyEn/

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structure@cpfl

19H

@lawinvest would now leave my savings plan at 80% accumulating and then have 20% for the "mental" $TDIV until I use a large part of the allowance. (And then 100% accumulating again). I won't leave quite as much in the long term as with 50/50

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Sina@lawinvest

@cpfl Yes, I mean the contribution.
But 20% TDIV? Really? I think that's a blatant amount, because that means 10% finances. Then there are the ones from the world that I don't have in my head (12-15?). So you're building up a really big lump of finance. Personally, I wouldn't go higher than 10 for the TDIv.

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structure@cpfl

@lawinvest good point. I currently invest in $XZMU $XZEU and $XDEX as accumulating ETFs because they are free of charge in my broker's savings plan and they also have a large financial component

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Philip Buß@GoldenShield

21H

I'm 5-6 years older than you, but I do exactly that and try to have a kind of core satellite portfolio
My core is an accumulating MSCI World and as satellites I have the $TDIV and the $VHYL
I also have the $JEGP on my radar, but I'm a bit put off by this call thing, because the return and dividend from the ETF depends even more on probability and luck than it already does

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structure@cpfl

20H

@GoldenShield Thank you very much for your input. I think I'll switch my ETF savings plan to 50% accumulating and 50% on $TDIV until I've exhausted the allowance. I also have it on my watchlist alongside $JEGP and I'm not quite sure what to think about the calls either

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Thom@hunter_7777

20H

At 20, I would only bet on thesausieren, but since I'm more than twice as old, I'd rather go for ausschütten, consciously leaving returns behind... that's the way it is, but it's also motivating

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structure@cpfl

20H

@hunter_7777 thank you, I will also include this in my decision

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