I wouldn't focus on dividend stocks yes/no, that's far too early according to your profile picture. Unless you need the constant partial sale. But then why a savings rate....
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@Madhatter5566 The aim is to actually hold fewer individual shares and only hold shares that I will theoretically hold for the rest of my life. These should be blue chips that also pay dividends.
To achieve a return, I use the msci world with an admixture of the NASDAQ 100. 3 percent of the portfolio is in Bitcoin.
My portfolio should achieve a long-term return of 6% p.a., with a div return of just under 2%.
With my savings rates, I am confident that I will reach my target of 50 to 55%.
Until then, however, I need a "low-risk" portfolio, as I am also financing a property and another one is due to follow in the near future.
To achieve a return, I use the msci world with an admixture of the NASDAQ 100. 3 percent of the portfolio is in Bitcoin.
My portfolio should achieve a long-term return of 6% p.a., with a div return of just under 2%.
With my savings rates, I am confident that I will reach my target of 50 to 55%.
Until then, however, I need a "low-risk" portfolio, as I am also financing a property and another one is due to follow in the near future.
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@Puth1990 If your goal is a pure 8% return, you could just invest in a world without any work and be fine. It does this without any headaches, stock picking or other nonsense. And there are also distributing world ETFs that pay out 1-2% per year as dividends. Which you then pay back in, which simply makes it a partial sale of a position followed by a purchase of the same position with tax. I think holding forever also makes more sense to take a world right away, as individual stocks are always audited. No purchase now is so future-proof.
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•My girlfriend has a classic portfolio consisting of 75% equities via msci world, 15% bonds and 10% gold. The portfolio is doing better than mine, with much less effort, that was her motto. However, that would be too boring for me. I would also like to get to grips with shares a little.
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@Puth1990 Investing money should be boring, otherwise it would be a casino.
But if it's for motivation, then it's three times better than not investing. Maybe you'll have all Nvidia positions later on. Who knows?
But if it's for motivation, then it's three times better than not investing. Maybe you'll have all Nvidia positions later on. Who knows?
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@Madhatter5566 I partly agree with you. But keeping interest high doesn't harm the motivation to continue saving and sticking to the goal.
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