Here is my small portfolio again.

I haven't changed everything yet, but I've already started.

$ISPA (-0,29%) will be liquidated on the 16th and invested in $VWRL (-0,04%) invested.

$MSCI (+0%) was a gift via TR, but I will also sell it.

The $SPPW (-0,05%) I'm saving something for my niece.

So that I can give her a nice handout in 13 years' time.

The savings rate will be increased every year.

$VOW (+0,16%) I've slipped up with the saveback conversion.

And $BVB (-0,47%) I only wanted one share because it's my club.

$QYLE (+0,59%) and $SDIP (+0,17%) are a small addition.

If you have any suggestions for changes, please let me know

Dear Community,

I need your opinion on my portfolio again.

I am trying to build a core-satellite portfolio - consisting of dividend stocks and aristocrats.

I invest €400 per month in the $VWRL (-0,04%) and since November 2024, 200€ in the $ISPA (-0,29%) (knowing that a lot of positions overlap but to push my dividend yield).

I also invest all money gifts (birthday, Christmas etc) in gold & silver.

I also have an investment plan with Ageeon where I have already achieved my ROI and paid out the money. From this I now receive 0.000358 $BTC (-2,13%) which is partly paid out and partly reinvested. (Yes, risky but as they say - I already have my investment back in the cold wallet).

Just like $ADA (-4,66%) in which I see a lot of potential. This is saved using "Mining Rewards" (Arkreen, Dimo, Helium). (approx. 10€ per week)

The building savings contract was a gift from my parents in my name, but is financed by them with €100 per month. (They did not want to support an ETF)

Now I would like to hear your honest opinion on my portfolio.

Aja - I am employed and self-employed, and rent out a property (the original plan was to invest the rental income in $O (+0,47%) but for personal reasons I had to take out a loan which will be repaid with the rental income.

Lg and thanks

Hello everyone,

I'm from Spain and I'm following a dividend investment strategy as I want to take advantage of the relatively low tax burden of only 19% on dividends in Spain. My portfolio is a combination of ETFs and individual stocks, trying to find a balance between growth and high dividends, as well as between developed and emerging markets.

First, an overview of my ETFs, which I can divide into two categories:

• Emerging Markets:
• $IEEM (+0,24%)
  iShares MSCI EM ETF: Growth-oriented (Growth)
• $HDEM (-0,5%) Invesco FTSE EM High Dividend Low Volatility ETF: High dividend yield (High Yield)

• Developed Markets:
• $ISPA (-0,29%)
  iShares STOXX Global Select Dividend 100: High dividend yield (High Yield)
• $GGRP (+0,3%)
  WisdomTree Global Quality Div Growth: Growth-oriented (Growth)

These ETFs cover different regions and strategies: some focus on dividend growth, while others target high dividend yields. I also have positions in both emerging and developed markets.

My individual stocks:

• $O (+0,47%)
  Realty Income because it is the typical dividend stock that almost everyone has and it is known for stable monthly distributions.
• $EOG (+0,38%)
  Resources I like because of its strong ability to grow dividends and solid growth potential in the energy sector.
• $CB (+0%)
  Chubb Limited I have included in my portfolio because Warren Buffet has invested in them. They also offer good dividend growth and have strong upside potential.

I would be very interested to hear your thoughts: Do you think this strategy has potential for success in the long term? Are there areas where I might need to diversify or consider a different approach?

Thanks in advance for your opinions!

This text was created with the help of artificial intelligence, as I am not a native speaker of German.

Moving on, soon it will be a whole share

Question in the round I am still looking for a dividend ETF that pays out in November and then quarterly🐵💵

Saving up: Gold + All-World ETF

Hello dear community,

I have a question for you on the subject of long-term saving and gold:

I have 6 savings plans with dividend ETFs running, always two per payout interval with growth ETF and high payout combined. In addition to the DIV ETFs, I also have REITS and BDCs for dividends, which I would also like to expand further. Of course there are overlaps!

I feel comfortable with this and would like to continue saving in this way:

DIVIDEND ETFs | January, April, July, October

$ISPA (-0,29%) + $EXX5 (+0,57%)

DIVIDEND ETFs | February, May, August, November

$FUSD (+0,04%) + $IMEU (+0,27%)

DIVIDEND ETFs | March, June, September, December

$TDIV (-0,23%) + $VUSA (+0,1%)

Now the question arises for me: how can I diversify even further or save in an accumulating manner?

The following would be considered

$EWG2 (+0,48%) and then also sell tax-free after a holding period of at least 1 year if the trend is positive and generally $FWRG (-0,02%) save bluntly and leave it. Possibly also $BTC (-2,13%) via Bitpanda or similar (not via Neobroker)

What is your opinion on saving the Invesco All-World and gold in addition to the dividend ETFs, as compensation when there are general price slides?

Hi everyone. Now that I've reached my annual goal today (hopefully it will hold) and thus another milestone, I'd like to get some feedback.

Briefly about my strategy and my goal.

Every month I save

48% $LCUW (-0,09%)

16% $AE5A (+0,19%)

16% $ISPA (-0,29%)

10% $BTC (-2,13%)

10% $QQQ3 (-0,12%) (2.5% weekly)

$TDIV (-0,23%) is saved with dividends.

Individual shares are only bought on a one-off basis or, if necessary, subsequently.

I still have a few old stocks in my portfolio ($NIO (+0,48%)
$YOU (-0,15%) ) that will have to go soon. Apart from that, the main focus is on dividend stocks, which is good for my mindset when money comes in regularly.

My goal is to no longer have to work in 17 years if I want to.

My savings rate is currently "only" 20%, as we built a house 3 years ago and had a baby this year.

Now I'd like to rest ;) (Too many ETFs, too much crypto, no strategy ;) maybe you can think of more.

I am from Switzerland and would like to open an additional position on $ISPA (-0,29%) open an additional position.

Unfortunately, this ETF is only available in EUR.

Do others have any experience as to whether this would be a bad decision due to the currency risk?

Thank you very much!

50s savings plan of selected shares

Hello everyone,

After a lot of back and forth, I have picked out a few stocks, some of which are aimed purely at growth, higher dividends and dividend growth:

The aim would be to invest in the respective shares at €10/share to start with, and then later e.g. €20/share....or is it absolutely non-sense and a waste of time? In my opinion, many of these shares are moats and long-term established companies that everyone knows. I would like to generate reliably rising dividends and also have nice growth in my portfolio. A $ISPA (-0,29%) for example, also generates nice growth, but it feels like it's only going sideways...

Of course, it's stupid that each share has only invested €1,200 or a little more in 10 years at the savings rate, for example.... sounds ridiculously low at first.

What do you think? (Click image to enlarge)

@Simpson
@Kay90
@Luis-