Today I would like to introduce a stock that plays a very special role in my portfolio - not because of its huge price potential, but because of its constant monthly cash flow: AGNC Investment Corp. $AGNC (+0,69%)

I am invested here and am even considering adding more. For many, AGNC is too special or too risky - for me, it is a targeted component of my dividend strategy that delivers exactly what I expect from it: monthly income with a dividend yield of over 13%.

What does AGNC do?

AGNC is a so-called mREIT (mortgage real estate investment trust), specializing in agency-backed mortgage-backed securities - i.e. mortgage securities that are backed by the US government (e.g. Fannie Mae, Freddie Mac). Compared to other mREITs, the risk is therefore somewhat cushioned because the state is liable in the event of an emergency.

AGNC earns money through the difference in interest rates between short-term financing and long-term mortgage securities - basically like a bank, but highly leveraged.

Why I consciously hold AGNC:

🔸 Monthly dividend

This is a real plus point, especially for income investors like me: cash flow every month - predictable and regular. It almost feels like a small salary bonus.

🔸 Yield currently over 13 %

Sure: dividends like this don't come without risk, but I see AGNC as a controlled income generator in the portfolio. It is important to be aware of where the yield comes from - and to understand the business model.

🔸 Agency bonds = government-backed

A crucial point for me: AGNC invests almost exclusively in mortgages guaranteed by the US government. That makes a huge difference compared to many other mREITs that go into high-risk securities.

🔸 Many years of experience & management

AGNC has been around since 2008, survived the financial crisis and has been paying monthly dividends ever since. Experience counts in this asset class - and it is available here.

What you need to know:

Of course, AGNC is not a defensive stock. Prices can fluctuate, especially when the FED changes interest rates. Therefore: For me, this is not a basic investment, but a strategic income component that I deliberately combine with more stable stocks such as Unilever, J&J or Pepsi.

📈 My conclusion:

AGNC is certainly not for everyone - but if you're looking for regular, high distributions and keep an eye on the interest rate landscape, you could have an interesting income tool in your portfolio here.

I'm staying invested here, taking the monthly dividend with me - and taking the opportunity to buy more when the share price falls.

What do you think of mREITs like AGNC? A strategic addition or a red rag? I look forward to your opinions!

#dividend
#dividendetf
#dividende
$VICI (+0,07%)
$MAIN (-0,36%)
$AGNC (+0,69%)

As already indicated in another thread, I have today parted with my position $VICI (+0,07%) today. It did what it was supposed to do, move sideways and pay a reliable dividend on a regular basis. The latter was relativized by the weak dollar and I really didn't feel it was enough. Today I took the opportunity to get out with at least a small price gain; together with the total dividends, everything is fine. I see little potential here in the near future, even if interest rates fall. In my view, this could even have a negative impact. After all, high interest rates are the last argument for being invested in the dollar at the moment. As a result, there is even the threat of a further decline against the euro, which in turn will have an impact on dividends and will also limit growth potential. And the free money will not be invested for the time being and will be deposited in the BBVA account, where it will earn a gross interest rate of 3.25% p.a.

Hello everyone!

My parents are in the process of selling my grandparents' house. It will probably fetch around €275,000. My parents will soon both be 60 years old.

They had initially considered buying another property nearby. But they have moved away again. The lack of flexibility and the time and risk involved with tenants put them off.

I also told them more about investing in the stock market. They were very open and interested, even though they said they had an unfounded fear of shares etc.

Now my question to you. What is the best way to invest the money? I think dividends would be very nice as my parents like the passive income like from a property. But it should also be very well diversified across countries and sectors.

I personally have developed 2 solutions. You can give your opinion as to whether you think the solutions are good or, of course, if you have completely different ideas.

1. the ETF solution

15% $XEOD (-0%) Call money ETF. Div. 1.9%

15% $TDIV (-0,72%) VanEck Divi Leaders. Div 3.5%

10% $TRET (+0,49%) Global Real Estate. Div. 3.7%

7,5% $VHYL (-0,54%) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,81%) FTSE RAFI EM. Div 3.9%

5% $EWG2 (-0,15%) Gold

5% $SEDY (+0,88%) iShares EM Dividend. Div 8.0%

5% $JEGP (-0,16%) JPM Global Equity Inc Div 7.1%

5% $EEI (-0,26%) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (+0,26%) High Yield Bond. Div 6.1%

5% $EXXW (+0,03%) AsiaPac Select Div50 Div 5.5%

15% Rest German Divi Shares approx. div 2.5%

=100% with 3.7% dividend.

275k ×3,7% = 10.175€

With full taxation 27.99% = 7327€

On average per month: 610€ dividend

With 2k tax-free allowance: 657€ dividend per month

I find it very well diversified, you have overnight money, you have the USA and Europe well represented, but also 12.5% emerging markets ETF. In terms of sectors, finance will be at the forefront. Followed by real estate and energy. I think that's fine.

2. the equity solution

I have selected 34 strong dividend stocks. In the list they are roughly divided into GICS sectors.

15% $XEOD (-0%) Overnight ETF. Div 1.9%

12% $EQQQ (-0,59%) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (-0,15%) Gold

2% $O (+1,24%) Realty Income 6.0%

2% $VICI (+0,07%) Vici Properties 5.6%

2% $OHI (-0,19%) Omega Healthcare 7.2%

2% $PLD (+0,86%) Prologis 4.1%

2% $ALV (-0,75%) Allianz 4.35%

2% $HNR1 (-1,21%) Hannover Re 3.4%

2% $D05 (+0,06%) DBS Group 5.5%

2% $ARCC (-0,36%) Ares Capital 9.3

2% $6301 (+1,96%) Komatsu. 4,2%

2% $1 (-0,43%) CK Hutchison 4.6%

2% $AENA (-0,21%) AENA. 4,2%

2% $LOG (-0,49%) Logista 7.3%

1,5% $AIR (-1,53%) Airbus 1.8%

1,5% $DHL (-0,29%) DHL Group 4.8%

1,5% $8001 (+0,23%) Itochu 2.8%

2% $RIO (+2,13%) RioTinto plc 6.4%

2% $LIN (-1,13%) Linde 1.3%

2% $ADN (+0%) Acadian Timber 6.7%

3,5% $BATS (+0,05%) BAT 7.0%

2% $KO (-1,09%) Coca Cola 2.9

2% $HEN (+0,74%) Henkel 3.0%

2% $KVUE (-9,65%) Kenvue 4.1%

2% $ITX (-1,37%) Inditex 3.6%

2% $MCD (-1,68%) McDonalds 2.6%

2% $690D (+0,26%) Haier Smart Home 5.6

3,5% $IBE (+0,51%) Iberdrola. 4,1%

1,5% $AWK (+0,86%) American Water Works 4.4%

1,5% $SHEL (-1,48%) Shell 4.1%

1,5% $ENB (-0,84%) Enbridge 6.5%

2% $DTE (-0,27%) Deutsche Telekom 2.8%

2% $VZ (-0,16%) Verizon 6.8%

2% $GSK (+0,26%) GlaxoSmithKline 4.2

2% $AMGN (+0,47%) Amgen 3.5%

2% $JNJ (-0,31%) Johnson&Johnson 3.5%

= 100% with 3.5% dividend

275k ×3,5% = 9625€

With full taxation 27.99% = 6930€

On average per month: 577€ dividend

With 2k tax-free allowance: 624€ dividend per month

I also think this solution is cool because you can select the largest companies or strong dividend payers in the individual sectors or countries yourself. And of course you can also select shares with which you have a connection. However, I have focused on shares from the USA, England and Germany because of the withholding tax. Spain is also well represented because of my parents' ties to this country. It's also cool that the NasdaqETF also includes the Microsoft, Amazon, etc. compounders.

What do you think?

Realty Income ($O (+1,24%) ) raises its dividend for the 131st time

The monthly dividend will be raised from $0.2685 to $0.2690. The payout will start in July. Realty Income thus remains true to its reputation as "The Monthly Dividend Company".

$O (+1,24%) Realty Income is an integral part of my portfolio and I plan to increase the position significantly in the future. The combination of stability, monthly payouts and a proven business model has convinced me in the long term.

What about you?

Do you have Realt Income in your portfolio or do you invest in other REITs? (Example. $VICI (+0,07%) ?)

...remember exactly when I took this beautiful and motivating screenshot of my portfolio on May 31, 2024.

At that time, I had been investing in equities for exactly 12 months and, after the first 1-2 months of dreaming big about penny stocks 🫣 and after some training, I had defined my new personal strategy and goals, but more importantly, I had also consistently implemented them since then.

I then reached the first milestone I had set myself with a portfolio value of €10,000 on time in 08/2024 and also the second milestone, dividend >= €500, on time at the end of 2024.

Since then, my new chosen milestones 3 and 4 have been: portfolio value €20,000 by 08/2025 and dividends >= €1000 by 12/2025.

Since Friday, milestone 3 has even been reached almost 2 months earlier than planned...

...and milestone 4 is also in sight early on with ~€500 in dividends received so far and ~€1000 still to be expected and is probably only a matter of time 🤗

If the question now arises that these are only gross dividends, I would like to point out that of €136.35 in May dividends, €125.90 remained net and that's how it actually looks in relation to each dividend month.

I generally have very little withholding tax to pay and the two ETFs also have a 30% tax exemption, so the €1000 FSA becomes a little more net of gross in percentage terms. In addition, with $VICI (+0,07%) I currently only have one pure US share in my portfolio and the remaining US share is in the two ETFs.

Another target for dividends, i.e. milestone 6, is >= €2000 for 2026, so the FSA would also be fully utilized after the marriage and not a single cent would be given away 😉

Even if May turned out a little poorer...

...new additions:

$1211 (-0,26%)

$3750 (+2,16%)

Stocked up:

$HAUTO (-0,34%)

Liquidated:

$QYLE (-0,18%)

...everything is on target for the long term...

...even if we are only looking at a boring dividend and not a highflyer portfolio, it has been beating since the beginning (well 2 months of penny stocks deducted) for 2 years and I am quite satisfied with my performance since my strategy change 08/2023...

And so I will continue to stick to my current strategy and expand it within the scope of my possibilities.

The attentive reader will certainly have noticed that milestone 5 is still missing, but unlike 6, I won't set it until the end of the year and my target plan until then would be 25k+ and then we'll see...

...in the meantime, the last IHK exam (tax law) on the way to becoming a financial accountant is also coming up and who knows, maybe I can then increase my monthly savings rate of €550-700 a little more 🤷‍♂️

Anyway, until the next water level report, I wish us all a good hand on the path of at least 6 figures and stay true to your resolutions ✌🏻