Hello everyone,

still relatively new here, started with small values myself in January 2024 and then in summer/fall had all pension funds and other savings funds liquidated and taken over by our "financial advisor" (Lesson Leaned)

Now I have invested a chunk here and there, sometimes a bit wildly. Most of it now in December and January (hence the low return).

I am in my mid-30s and would like to build up a side income with dividends over the next 10 years, in addition to my ETFs, which are intended to be used for retirement in the long term.

I have 4 dividend ETFs in my portfolio and would like to reduce this to 1-2 ETFs. I have already looked through JustETF and there are pros and cons for all of them.

These are in my portfolio:

$VHYL (-0,58%)

$ZPRG (-0,17%)

$JEGP (+0,05%)

$FLXX (-0,01%)

The $JEGP (+0,05%) is disproportionately represented because the return convinced me, but it does not have the lowest annual costs.

I would like to reduce to 30 positions, some smaller shares are "attempts".

The plan is 65% ETF, 15% dividend ETF, 15% dividend stocks (does that make sense?), 5% growth stocks. I can invest about 3500€ per month. I might want to sell part of it in 5-6 years to have the equity for a house. That would then possibly be the individual shares (partial sales).

What do you think? Which one should I save in the long term?

Best regards and thank you for your opinion.

Yesterday I set myself the challenge of completing my tax return using the Taxfix tax software and submitting it to the tax office on the same day. The expected result was EUR 1,613.00. To be honest, I had expected a higher refund in tax year 2024 due to the high tuition fees of around EUR 4,240 and other factors. But as is so often the case in life, the tax office and the tax return surprise us in an amusing way. :-)

Imagine you receive an additional capital inflow of EUR 1,613.00 - how would you use this amount? Would you invest in new shares, build on your existing positions, invest in ETFs, go for precious metals or plunge into the world of cryptocurrencies? I look forward to hearing your ideas and personal experiences on this scenario!

Out of pure interest in an exchange of opinions: If you can take a look at my current portfolio, which positions would you consider worth buying in the event of a similar influx of capital? I am also happy to receive the odd humorous comment ;-)

#etfs
$VHYL (-0,58%)
$FUSD (-1,38%)
$D6RM (-0,54%)

#stock
$TSLA (-4,32%)
$GOOGL (-2,28%)
$MS (-1,6%)
$CS (+0,45%)
$NOVO B (+5,32%)
$ASML (-0,72%)
$MUV2 (-0,6%)
$CNQ (-0,99%)
$GGG (-1%)
$MC (+0,4%)
$DHL (+0,55%)
$TKA (+0,24%)
$RIO (-0,51%)
$ADBE (-2,14%)
$MPW (-2,1%)

#stock
$BICO (-4,29%)
$9866 (+2,04%)
$SVA
$TECO (-67,57%) (Insolvency filed)

#edelmetalle
$965515 (-0,13%)

#krypto
$BTC (+0,55%)
$ETH (+0,92%)
$ADA (+0,84%)
$FET (-4,56%)
$BNB (+0,51%)
$CAKE (-2,49%)
$AXS (-3,55%)

I have been investing since 2023 and have sporadic savings plans from $IWDA, $AVGO and in a $VUAG. I reorganized my portfolio at the beginning of 2024 and unfortunately made the mistake of having savings plans in three actually identical ETFs (MSCI World, S&P 500 and a FTSE All-World). I sold the Vanguard FTSE All-World in December 2024 with a 10 percent profit and invested the money in a FTSE All-World High Dividend.

Over the course of 2024, I added several individual stocks such as Rheinmetall, DHL Group, Allianz, TUI, etc.

I also tried my hand at trading derivatives, but that went wrong and I want to say goodbye to the derivatives in my portfolio in the near future. I would like to sell several individual stocks, such as Geely Auto and TUI.

The following savings plans are currently running:

150 € $IWDA (-1,03%)

30€ $VHYL (-0,58%)

30€ $HEMC (+0,28%)

30€ $EXUS (-0,61%)

25€ Alphabet (A)

10€ Allianz, Broadcom, Siemens Energy, MasterCard, McDonalds, Altria, Realty Income, PepsiCo, NovoNordisk,

15€ Bitcoin

I am aware that I have very little experience and have made a lot of mistakes and am certainly not pursuing an optimal strategy at the moment. How do you rate my portfolio and do you have any suggestions for improvement?

Hello dear community,

Recently my portfolio and its logic was presented in an article by Business Insider and analyzed by Konrad Kleinfeld from SPDR. There was some exciting feedback, but of course I would also like to activate your swarm intelligence and get your feedback 🙂

First of all: Although I am pursuing a core-satellite strategy, the "satellite" does not aim to outperform, but is simply for fun and offers room for investments that do not fit into the logic of the core. The satellite consists largely of ETFs (e.g. in commodities, real estate, private equity, REITs, etc.), but only accounts for <10% of the overall portfolio and is not included here.

My goal is broad diversification that goes beyond a pure market capitalization-based index as well as long-term returns.

In doing so, I rely on a rule-based approach and diversify along factors based on the selection criteria of the indices. As I deliberately do not want to make any sector or regional bets in the "core", but instead focus purely on the selection criteria of the indices, the relatively significant dividend block serves to reduce the US lump, as high-dividend companies are more frequently found in Europe.

Since the portfolio is quite granular, the portfolio overview function would be very confusing, so I hope it is easy to understand in text form:

1. MSCI World Block (40%):

$SPPW (-0,53%) MSCI World (10%)

$XDEM (-1,03%) MSCI World Momentum (10%)

$XDEQ (-1,09%) MSCI World Quality (10%)

$XDEV (-0,68%) MSCI World Value (5%)

$WSML (-1,32%) MSCI World Small Cap (5%)

Momentum, Quality and Size in the sense of the "normal", market-capitalized MSCI World are weighted slightly higher, as they have historically performed better and should logically perform better in a long-term positive market environment.

2. emerging markets block (20%):

$SPYM (+0,38%) MSCI Emerging Markets (6.67%)

$SPYX (-0,24%) MSCI Emerging Markets Small Cap (6.67%)

$5MVL (+0,04%) MSCI Emerging Markets Value (6.67%)

⚠ There are currently no ETFs on the MSCI EM Quality and MSCI EM Momentum indices that are available in UCITS form and tradable in Europe. Therefore, the logic of the EM block does not yet exactly reflect the structure of the World block. As soon as these ETFs are available, the block will be adjusted accordingly. Consequently, the "normal" MSCI EM as well as the value factor and small caps are currently equally weighted here.

3rd Dividend block (30%):

$VHYL (-0,58%) FTSE All-World High Dividend Yield (5%)

$TDIV (-0,63%) Developed Markets Dividend Leaders (10%)

$ISPA (-0,51%) Global Select Dividend 100 (10%)

$ZPRG (-0,17%) S&P Global Dividend Aristocrats (5%)

As mentioned, this block serves 1) to reduce the US lump, is also distributing and thus provides cash flow, which 2) is used for rebalancing at the end of the year (so I don't have to spend any additional capital on this, which has a psychological effect for me) and 3) the monthly distributions motivate me to continue investing intensively. In addition, 4) the tax-free allowance is utilized without having to actively sell shares in the other "blocks". The top 10 holdings of the individual ETFs differ greatly here despite the common denominator of "high yield". However, the financial sector is a large lump. The weighting here is derived from the high yield and diversification in the sense of complementing the other "blocks" (i.e. little tech and little US).

4. hedge bonds (10%):

$IBCI (+0,36%) Euro Inflation Linked Government Bond (10%)

My equity allocation is (roughly) based on the rule "120 minus age", so 10% is currently left for bonds. The purpose of a bond block in the portfolio is stabilization and further diversification. With shares, I give a company capital, i.e. I become a stakeholder in the company. Corporate bonds have the same logic, because here I am also giving capital to companies. That's why I opted for government bonds in the eurozone. TIPS have performed comparatively well here in the past and the logic of inflation-linked interest rates also appeals to me.

📈 Additional considerations:

1. i deliberately do without the "Low / Min Volatility" factor, as i assume a rising market in the long term and would like to participate more in the positive phases instead of reducing the vola.

2) I don't see overlaps between ETFs as a problem, but rather as a deliberate overweighting of companies that fulfill several criteria at the same time. Of course, many companies currently overlap in the classic MSCI World and the Quality and Momentum variants. However, the selection criteria are different and as soon as a company no longer meets the quality criteria, for example, it automatically drops out of the index and the weighting is reduced without me having to actively do anything about it.

3) I have actively decided not to invest in a multi-factor ETF because I want to have transparent control over the allocation of the individual factors and many of the factor ETFs available combine the selection criteria underlying the individual factors in such a way that the corresponding product would have performed well in the past, which of course represents a hindsight bias and does not necessarily correlate with future performance.

💡 To those of you who have read this far:

First of all, thank you for your time! The portfolio is intended to dynamically reflect a section of the market that could develop positively in a diversified manner based on the different selection criteria of the indices, without taking bets on specific sectors or regions. What do you think of the allocation and the strategy? Do you see any room for improvement or things you would do differently?

Thanks for reading, showing interest and thinking along. 😊

#etfs
#portfolio
#portfoliocheck

Hello everyone 🤘🏻👨🏻‍💻,

for fun I let ChatGPT play as my investment advisor and asked how he could invest 3.500 € in shares in shares. His answer:

📌 4x $CVX (-0,58%)

📌 5x $TTE (-1,26%)

📌 3x $ALV (-0,14%)

📌 3x $JPM (-0,57%)

📌 1x $ASML (-0,72%)

📌 1x $AVGO (-3,16%)

📌 10x $VHYL (-0,58%)

Doesn't sound so wrong to me 👀.

How would you currently invest €3,500? 👆🏻🤓

Hello getquin community!

I recently came across this platform and signed up straight away to track my portfolio more clearly. For the most part, entering my transactions worked well, but I had to enter some positions manually, especially my gold savings plans (I use the average price to simplify this). Before I share my portfolio with you and look forward to your opinions and suggestions for improvement, I'd like to briefly introduce myself:

My name is Burhan, I'm 29 years old and I come from a town in North Rhine-Westphalia. I work in the insurance industry and am completing two part-time degree courses at the same time (because free time is overrated 😉):

• Business economist for financial services (until January 2025)
• Business administration with three specializations (until April/May 2025).

My way into the world of (small) investors:

I started investing - or rather, trading and chart analysis - when I was 18. Back then, I invested small amounts in leveraged products such as the DAX or WTI oil. Although I made more profits than losses during this time, I learned an important lesson: it is crucial to regularly check take-profit and stop-loss levels in order to avoid capital losses.

However, I only started investing for the long term in 2019. My first step was a savings plan with EUR 25 per month in a fund from Deka ($D6RM (-0,54%) ) - the first dividend I received was a small sense of achievement for me. Later came savings plans for individual shares ($LHA (-0,44%) and $SHA) and commodities ($965515 (-0,13%)) were added. I also used my employer's capital-forming benefits (EUR 40 per month) to further expand my investment in the Deka fund.

My current investment strategy:

Over the last few years, I have tried out and learned a lot and finally developed my personal strategy:

1. basic ETFs:

With the $VHYL (-0,58%) and the $FUSD (-1,38%) I would like to create a stable foundation.

2.
Individual shares:

Here I deliberately focus on non-US companies (with a few exceptions) in order to diversify my portfolio and reduce the US dominance somewhat.

My selection criteria for individual stocks:

• At least 30 % share price growth in the last 5 years.
• At least 10 years dividend history.
• 
  Dividend yield of either:

- approx. 1 %combined with an average dividend increase of 10 % over the last 5 or 10 years, or

- approx. 2,5 %combined with an average dividend increase of 5 % over the last 5 and 10 years respectively.

For example: $MS (-1,6%) / $GGG (-1%) / $CS (+0,45%) / $ASML (-0,72%) / $MUV2 (-0,6%) / $CNQ (-0,99%) / $MC (+0,4%) / $TKA (+0,24%) / $DHL (+0,55%)

3. Gold:

My gold savings plan is still running because diversification is important - and a little sparkle in the portfolio never hurts.

4. Cryptocurrencies:

The proportion is deliberately low and I plan to concentrate only on $BTC (+0,55%) in the future. Everything else will probably be dropped soon.

5. Cash:

Part of my capital is in a call money account so that I can react flexibly to opportunities or unexpected events - who knows when the next dip will come.

The aim of the asset class allocation:

- 37.50 % ETFs

- 37.50 % individual shares

- 10.00 % commodities

- 5.00 % cryptocurrencies

- 10.00 % Cash

In addition, a good deal is currently underway to buy real estate (purpose: rental) - I am still curious.

I hope my first post wasn't too long and that you've made it this far! 😉 I look forward to your feedback, opinions and tips - keep them coming!

Hello Community! I would like your opinion on which dividend ETF you think is the best and why. I would like to have an additional "dividend ETF" in my portfolio. It should have a good payout but not completely neglect growth. In other words, a good mix. In addition, it should perhaps also focus on long-term dividend growth.

For example, I find the $TDIV (-0,63%) despite its high payout of > 4%, it has had great growth since its launch in 2016 and performs better than other dividend ETFs, what do you think?

I also have a choice of classics such as $VHYL (-0,58%) or $FGEQ (-1,25%) but these have performed worse since 2016 and also pay out less. Or do you see advantages in these?

The last one that jumped out at me was $SCHD which also scores with a high payout and good performance.

I would be very interested in your opinion on this topic!

#dividende
#etf

I am 19 years old and started investing properly last August.

Before that I invested a little money in cryptocoins when I was 15 and haven't touched it since then. I am trying to expand the ETF position with a 500€ monthly savings plan with 70% $VWCE (-0,92%) and 30% $VHYL (-0,58%) . I am also a big fan of dividends and am therefore open to suggestions for dividend stocks. I would appreciate honest feedback about my portfolio thanks in advance.

Possibly a controversial topic ;)

In the last few days I've been writing more and more in the comments here that I don't think ETFs like Fidelity Global Quality Income are so great, at least for young people. So that I don't have to write the same thing over and over again, I'm going to write a post.

As many of the ETFs compared here have only been around for 5-7 years, I can unfortunately only make a comparison of performance over 5 years. That's quite short, I know. However, it is good in that we had two difficult years. Apart from the fact that, as a young person, I would only consciously choose a distributing ETF if I were planning my portfolio for retirement, for example, I have now also chosen the distributing variant of the standard ETFs here for better comparability.

My opinion is that anyone with a long investment horizon will get the best return and probably even the best payout if they choose a standard ETF.

The others are suitable as an add-on or main ETF as soon as you reach a certain age (and retirement is just around the corner) or you have a lot of capital and want to live off the dividends.

Now for an overview (source: Morningstar)

$HMWO (-1,05%) MSCI World dist

Performance 5 years: 13.11% p.a.

Last 12-month distribution: 1.41% p.a.

Simulation, investment today 100,000 euros, 30 years with the performance assumed above (note: this is too high and is not intended to suggest that you could achieve this safely. The performance over a longer observation period is worse p.a.)

Result: approx. 4,000,000 euros

Distribution, assuming that it (the div yield) remains constant: EUR 56,400

$VWRL (-0,91%)
FTSE All world dist

Performance 5 years: 11.63% p.a.

Last 12-month distribution: 1.28% p.a.

Simulation, investment today 100,000 euros, 30 years with performance assumed above

Result: approx. 2,700,000 euros

Distribution, assuming that it remains constant: 34,500 euros

Incidentally, this again shows my general problem with the AllWorld compared to the MSCI world... When does it ever perform better? How often have EM outperformed DM?

To colleagues with an investment horizon > 30 years => Do you really want to leave 1.3 million euros lying around?

$FGEQ (-1,25%)
Fidelity Global Quality

Performance 5 years: 11.07% p.a.

Last 12-month distribution: 2.2% p.a.

Simulation, investment today 100,000 euros, 30 years with the performance assumed above

Result: approx. 2,300,000 euros

Distribution, assuming that it remains constant: 50,600 euros

Insight: I have considerably more capital with the MSCI World and potentially a higher dividend.

But: It is true that the 5-year dividend growth is higher with Fidelity than with the MSCI World dist, and not insignificantly so. It is therefore more likely that Fidelity will be able to keep its dividend payout constant than the MSCI World. However, the difference in capital of over 1.5 million euros is very significant.

However, it should be noted that this ETF effectively takes the MSCI World, then filters according to quality aspects (there is also the $IS3Q (-1,09%) which also performs better) and then filters by distribution. The amount of the distribution is at most relevant for the weighting. Or how else can you explain the fact that NVIDIA, the dividend stock par excellence (irony), has a not-so-small position in the ETF? And please don't tell me about dividend growth: Yes, it's great for NVIDIA, but when will I receive a distribution that isn't 0.03%? In 80 years? What I'm trying to say is that the ETF doesn't really have a dividend approach. It has a nice payout ratio and nice dividend growth, but it doesn't generate this by buying stocks with a real dividend focus. You can find that good or bad.

$GGRP (-0,99%) WisdomTree Dividend Growth:

Performance 5 years: 7.34% p.a.

Last 12-month distribution: 1.57% p.a. (reduced)

Simulation, investment today 100,000 euros, 30 years with the performance assumed above

Result: approx. 830,000 euros

Distribution, assuming that it remains constant: 13,000 euros

Why do I still think it's a good addition: it brings a few defensive companies into the portfolio or gives them a higher weighting. Depending on market expectations, this can therefore be a good addition.

In contrast to Fidelity, it also has a significantly different approach to the MSCI World, for example.

$VHYL (-0,58%)
FTSE All world High Div Yield

Performance 5 years: 7.62% p.a.

Last 12-month distribution: 2.97% p.a.

Simulation, investment today 100,000 euros, 30 years with performance assumed above

Result: approx. 900,000 euros

Distribution, assuming that it remains constant: 26,730 euros

$TDIV (-0,63%) VanEck Morningstar HighDiv

Performance 5 years: 11.07% p.a.

Last 12-month distribution: 3.98% p.a.

Simulation, investment today 100,000 euros, 30 years with the performance assumed above

Result: approx. 2,300,000 euros

Distribution, assuming that it remains constant: 91,540 euros

Now that's a dividend ETF to be proud of. It performed comparatively well in 2022 in particular, unlike the others. This is precisely what makes it interesting as an add-on.

It has a focus on finance.

It is by no means a stand-alone ETF, but in my view it is a great alternative as an addition to generate dividends.

(5Y DivGrowth 7.5%, lies between MSCI World and Fidelity)

____________________________________

Conclusion: In terms of the capital generated, the MSCI World is without doubt the best choice. With regard to the distribution, it is not possible to make such a general statement. In any case, there is no conceivable scenario in which I would choose Fidelity over the MSCI World for a long-term investment horizon and capital accumulation - not management. I simply leave so much capital lying around...

My recommendation for beginners is therefore:

MSCI World, about 70-80%, distributing or accumulating depending on your goal

A small engine (more on this in a moment), approx. 20-30%

For more experienced investors with a dividend target:

MSCI World, dist, approx. 50-60%

VanEck, approx. 15-20%

Motor, approx. 20-30%

I would go for Fidelity if I either have capital and can live off dividends, or if I'm approaching retirement and want to supplement it:

Fidelity instead of MSCI world: 80%

VanEck: 20 %

(Motor, only in the first case: capital to live off distributions and at the same time still aiming for further wealth accumulation)

About the engines:

Of course, the Nasdaq comes to mind and I would go for it in principle. I would also prefer it to the MSCI World IT because, contrary to popular belief, the Nasdaq is not limited to technology. It currently also includes a number of companies from the consumer discretionary and consumer staples sectors, for example. Nevertheless, its performance is of course extremely convincing. I wouldn't care about overlaps with the MSCI world, as they probably wouldn't lead to any company suddenly having a 10% portfolio share or anything like that.

And then I recently dug up something else: $LAB2 (-1,56%)

Unfortunately, it hasn't been around that long, but the index has been around for 7 years and in these 7 years the index has had a performance of 14.78% p.a., unfortunately no statement for 5 years (Nasdaq in 5 years: 21.62%). So it turns out that it can't keep up with the Nasdaq, but it is not quite so technology-focused and not limited to the USA. I bought it myself because it offers an excess return over the MSCI World and at the same time includes companies that were not previously in my portfolio and shifts my weighting.

The fund invests in strong brand values.

However, because it does not generate such a strong excess return as the Nasdaq, it is not really an engine in the classic sense, but perhaps suitable for a more conservative approach.

PS: The S&P 500 is not included in the overall comparison because all the others have a global approach. That would be somewhat unfair. Of course, its performance is significantly better.

-No investment advice