$VHYL (-0,27%)

Hi Getquin Community,

Here is my portfolio as a student. I started in September 2022, but only really started in 2023 and 2024. Happy to rate on a friendly level.

About my savings plans:

• $D6RM (-0%) Deka DividenenStrategie - €100 per month.
• $CSPX (-0,29%) Ishares S&P 500 - 50 €/month
• $VWCE (-0,23%) Vanduard FTSE All World - 50 €/month
• $BRK.B (-0,01%) Berkshire Hathaway B - €50/month
• $SMEA (-0,42%) Ishares MSCI Europe 50 €/month
• $VHYL (-0,27%) Vanguard FTSE High Div. - €25/month

Further Deka savings plans have been capped, as I no longer wish to save in my Deka investments in the long term (possibly complete sale).

I would like to reduce my portfolio in the future. In other words, I want to divest myself of assets at the lower end. In return, I want to keep the ETFs and individual other stocks (e.g. $MUV2 (-0,03%) , $AMZN (+0,54%) , $AAPL (+0,13%) ) should continue to grow.

I am also toying with the idea of investing in an emerging markets ETF. My choice would have been the classic $EIMI (-0,1%) would have been the classic choice.

I have already invested in a crypto-boker (Bitavo - please give me your opinion) and will buy at the next opportunity (under USD 100,000). $BTC (+0,32%) buy.

Should be removed from the portfolio:

• $TGT (-0,74%) Target
• $NKE (-1,03%) Nike
• $D6RF (+0,1%) Deka Umweltinvest
• $DEDG (-0,22%) Deka Artificial Intelligence

My main trading brokers are TradeRepublic, Scalable and Deka.

I would be very happy about constructive criticism, suggestions and of course praise ;)

Good morning everyone,

I am planning to restructure and reorganize my ETF. I had thought about the following allocation. The plan is a one-off investment of €20,000-€25,000 and then monthly savings plans. The whole thing will be divided into percentages.

30% $VWRL (-0,28%) FTSE All-World

25% $HMEF (-0,22%) MSCI EM

20% $EXSA (-0,35%) Europe 600

15% $VHYL (-0,27%) All-World High Div

10% $WAT (+0,25%) MSCI Water (Themes ETF)

Does the community have any tips or suggestions for improvement?

Kind regards

Hello everyone,

Since I and my portfolio have recently exceeded the €50,000 mark, I wanted to take this as an opportunity to present my portfolio and my strategy to you. I look forward to your opinion, assessment, criticism and potential for improvement.

About me: I am still 29 years old and work as a team leader in an industrial company in the building materials sector. In terms of education, I feel I've been through all the stages - from a qualifying secondary school certificate to A-levels and a bachelor's degree to a master's degree. The only thing missing is a doctorate 😌

About the overall strategy: My assets are divided between my share portfolio, a condominium and a call money account. I live in your apartment myself. I wouldn't consider renting or real estate as an investment because I think the risks of having to invest money again are too high. You can also suspend the savings plan in your portfolio from time to time. So the apartment is held for as long as it is occupied and then sold when I buy a house.

About the equity strategy: I'll try to summarize this briefly

• Allocation: core-satellite strategy. So core for me is any ETF, satellites are the individual stocks. Core should make up about 80 percent, the individual stocks 20 percent. The buy-in for the individual stocks is always 2000 euros.
• Selection: Dividend strategy - the dividends of the ETFs are reinvested in them, the dividends of the individual shares go into an ETF.
• Buy and hold
• Special feature: I received a loan from a close relative for my apartment, which is repayable on maturity after 8 years. Due to some lucky coincidences, I had the money back together one year after the purchase. So instead of letting it sit in an overnight deposit, I invested it at the beginning of 2024 - with very good timing.

Stock selection and savings plan:

• $VHYL (-0,27%) The big core - I think the ETF is good because it is broadly diversified and has a good, reliable distribution. I am not currently saving in the ETF. Only the remaining shares from the beginning of 2024 are transferred from the second custody account (I transfer cash to a separate account and make a custody account transfer from the second custody account to mine. The loan amount will then accumulate there).
• $VWRL (-0,28%) Will be my new second large core and therefore currently saved with 500 euros per month.
• The following individual securities are currently fully saved: $ALV (-0,46%)
  $BAS (-0,19%)
  $EOAN (+0,8%)
  $BATS (-0,11%)
• As soon as the core share is over 80 percent, further shares are transferred from the second portfolio. $SIE (-0,86%) shares are transferred from the second portfolio. The total buy-in is therefore also EUR 2000.
• The following stocks are still included in the second portfolio and are transferred bit by bit - whenever there is money and depending on the core share in my portfolio: $VHYL (-0,27%)
  $VWRL (-0,28%)
  $PEP (-1,18%)
  $SIE (-0,86%)
  $DHL (-0,08%)
  $VOW (-1,39%)

Further strategy:

At the moment I feel comfortable with the strategy and until all individual stocks etc. have been transferred to the main portfolio. It will take some time before all the individual stocks etc. are transferred to the main portfolio. In the long term, I am considering $TDIV (-0,35%) with a 10 percent share. I will then select individual stocks in the future, but e.g. $RIO (+0,68%) , $MUV2 (-0,03%) or $MAIN (-0,96%) I could well imagine.

Looking forward to your comments on this boring strategy 😌

$PEP (-1,18%) Was 1 of the dividends I received in the month of June.

I received 12 paychecks and we continue to replenish the dividends

Mr. Wealth

$O (-0,12%)
$GOOGL (+0,48%)
$VWRL (-0,28%)
$VHYL (-0,27%)
$ASML (-2,06%)
$JEGP (-0,09%)
$KO (-1,13%)

#investeren
#dividend
#portfolio
#aandelen

https://youtu.be/V0fTGo359Kg?si=-PP2haiS6GFKxG-W

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 (+0,01%) Call money ETF. Div. 1.9%

15% $TDIV (-0,35%) VanEck Divi Leaders. Div 3.5%

10% $TRET (-0,28%) Global Real Estate. Div. 3.7%

7,5% $VHYL (-0,27%) Allworld High Div Yi. Div 3.1%

7,5% $PEH (+0,07%) FTSE RAFI EM. Div 3.9%

5% $EWG2 (+0%) Gold

5% $SEDY (+0,13%) iShares EM Dividend. Div 8.0%

5% $JEGP (-0,09%) JPM Global Equity Inc Div 7.1%

5% $EEI (-0,06%) WisTree Europ Equity Inc Div 6.3%

5% $IHYG (-0,1%) High Yield Bond. Div 6.1%

5% $EXXW (-0,11%) 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 (+0,01%) Overnight ETF. Div 1.9%

12% $EQQQ (-0,34%) Nasdaq100 ETF. Div 0.4%

5% $EWG2 (+0%) Gold

2% $O (-0,12%) Realty Income 6.0%

2% $VICI (-0,11%) Vici Properties 5.6%

2% $OHI (+0,18%) Omega Healthcare 7.2%

2% $PLD (-0,13%) Prologis 4.1%

2% $ALV (-0,46%) Allianz 4.35%

2% $HNR1 (-0,08%) Hannover Re 3.4%

2% $D05 (+0,57%) DBS Group 5.5%

2% $ARCC (+0%) Ares Capital 9.3

2% $6301 (-1,17%) Komatsu. 4,2%

2% $1 (-1,14%) CK Hutchison 4.6%

2% $AENA (-1,66%) AENA. 4,2%

2% $LOG (-0,22%) Logista 7.3%

1,5% $AIR (+0,08%) Airbus 1.8%

1,5% $DHL (-0,08%) DHL Group 4.8%

1,5% $8001 (-1,31%) Itochu 2.8%

2% $RIO (+0,29%) RioTinto plc 6.4%

2% $LIN (+0,02%) Linde 1.3%

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

3,5% $BATS (-0,11%) BAT 7.0%

2% $KO (-1,13%) Coca Cola 2.9

2% $HEN (+0,12%) Henkel 3.0%

2% $KVUE (-0,16%) Kenvue 4.1%

2% $ITX (-0,8%) Inditex 3.6%

2% $MCD (-1,25%) McDonalds 2.6%

2% $690D (-1,1%) Haier Smart Home 5.6

3,5% $IBE (+0,19%) Iberdrola. 4,1%

1,5% $AWK (+0,24%) American Water Works 4.4%

1,5% $SHEL (-0,02%) Shell 4.1%

1,5% $ENB (+0,21%) Enbridge 6.5%

2% $DTE (-0,78%) Deutsche Telekom 2.8%

2% $VZ (-0,34%) Verizon 6.8%

2% $GSK (-0,57%) GlaxoSmithKline 4.2

2% $AMGN (-1,19%) Amgen 3.5%

2% $JNJ (+0,29%) 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?

My dividend from the FTSE All-World High Dividend Yield TR Index has arrived - and I couldn't be happier! 🙌

It's always a great feeling to receive passive income through long-term investments. The focus on high-dividend companies worldwide is paying off - in the truest sense of the word.

Every quarter I am happy about a "little extra income" on top of my pension...