Since Deutsche Telekom's IPO ....., I have unfortunately only paid in a mini savings installment or nothing at all for years, simply out of ignorance.
Parallel to my Deutsche Telekom employee shares, I invested in the $HJUF (+0,07%) and in 2021 I switched this to the $VWRL (+0,41%) regrouped it. I also added a dividend ETF $VHYL (+0,03%) and as a "booster" a Nasdaq 100 ETF $EXXT (+0,84%) .
Savings rate since 2021
My savings rate is currently approx. 400 euros/month plus dividends 🙂
Target
A few euros in additional passive income from dividends would be nice. I would like to reduce my working hours in a few years and hope that this works out 😊
Dividends
My current incoming dividends of approx. € 1800 / year are reinvested directly in the respective ETF.

