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.

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

Since I would like to post an investment decision, but unfortunately this function is not available in the app, I have to do it this way.

Which of these dividend ETFs would you choose and why....

$FGEQ (-1,25%)

$JEGP (+0,05%)

$ZPRG (-0,17%)

hope for some answers thank you very much schonmal💪🏻💸🐵

Would love some portfolio feedback!#portfoliocheck

The goal is to save +- 35 selected stocks evenly over the long term in order to build up a passive income with dividends.

As soon as $PAEM (+0,17%) has a positive return, it is sold and also reallocated to equities.

The following stocks will follow in the next few months:

Individual shares

$HOLN (-0,41%)

$CFR (+0,31%)

$PM (+1,84%)

$BALN (-0,22%)

$BKW (-0,12%)

$MCD (+0,5%)

$CL (+2,47%)

Bonds, gold and a global ETF

$CSBGC7

$SGLD (+0,28%)

$ZPRG (-0,17%)

Spring is in full swing, my tomato plants are flowering and soon there will be delicious "yields". Time for a look back at May.

➡️ Shares

With an incredible +148% $AVGO (-3,16%) in my portfolio. The model student is not only the performance winner, but also the heavyweight in terms of portfolio volume among the individual shares. The share has long since cracked the €1,300 mark in terms of volume and is continuing its journey. I am not letting this horse out of the stable á la Beate Sander. I could well imagine that a split is imminent here, after the $NVDA (-3,63%) recently completed. Otherwise there is hardly any news, the performance of the good stocks continues to rise and the negative performance of my flop stocks is steadily improving. Thus $DHR (+1,24%) only at -24% instead of -30%. That's how it has to be. You can just feel a moderate wave lifting the boats. In favor of the ETFs, I will leave the comments on the stocks short this time.

➡️ ETFs

With this review, I'm going to take a closer look at my ETFs. I originally started with a 50/30/20 strategy on the MSCI World, EM and Europe, which I later supplemented with an Immo and Small Cap ETF. So the MSCI World with the MSCI EM ETF formed the core portfolio and the other ETFs were small satellites around it.

As these were almost all accumulators at the time and I quickly realized that I could build up additional income by saving in distributing ETFs, I quickly said goodbye to the accumulators. I also moved my ETF custody account to a neobroker. This is where I now manage my large ETF portfolio, which will form the absolute basis of my retirement provision. So if the dividends are not enough, or if I have to sell the portfolio and a sale is unavoidable, then the shares will be sold off piece by piece first and the ETFs will only be touched later. This portfolio contains the $VWRL (-0,91%) , $VHYL (-0,58%) , $VUSA (-1,13%) , $ISPA (-0,51%) , $IMEU (+0,14%) and $IWDP (-0,36%) . The current portfolio content consisting of an All World ETF and geographic and/or thematic shear points around it does further justice to the core-satellite concept. All these ETFs are saved monthly and all pay out dividends.

My first old portfolio naturally still contains residual holdings. These have been converted into distributing ones where appropriate and are shown in detail in the $EXXT (-1,69%) , $ZPRG (-0,17%) , $ISPA (-0,51%) , $SPYW (-0,13%) , $SPYD (+0,62%) . The portfolio volume is in the four-digit range. The $ZPRG (-0,17%) is saved. Further cashback flows into one-off savings plans, which replenish one of the other positions. The core task of this portfolio is to generate cash flow, so share price growth is less important to me. I am currently reinvesting the distributions. I could also imagine diverting this as a boost to my nest egg, as a kind of "inflation compensation". It's good that you can set up savings plans and standing orders at the click of a mouse these days, which gives me the flexibility that I base this portfolio on.

My second old custody account used to be the main custody account for the shares, which have long since been with a neobroker and are saved there. I bought two new ETFs here in May, which I also save a small amount of money in each month. They are the $FGEQ (-1,25%) and $TDIV (-0,63%) . Here I have the same idea as above. Simply generate cash flow that is reinvested but can be used in other ways if necessary, e.g. to contribute to my fixed cost lump sum.

I can certainly simplify my ETF portfolios considerably and close the old portfolios completely. But I don't want to and won't do that. It's a great feeling when money rains down from the sky every month on all banks/brokers. I want to retain the flexibility of multiple brokers so that I can react quickly if a broker cancels my contract (for whatever reason). In addition, operating this infrastructure does not cost me any fees.

➡️ Distributions

I received 21 distributions on 10 payout days in May. This time, the German values also fell $SAP (-1,87%) and $DHL (+0,55%) to book. May was strong in terms of dividends and was almost on a par with June last year. With the past month, I am already well above the dividend that I expect on average according to my planning.

Outlook: According to my forecast thanks to GQ, June 2024 will eclipse everything by far. Depending on the distributions in the fall, I may be able to increase the size of my planned dividend reinvestment. That puts me in a good mood!

➡️ Cashback

I found a few returnable bottles and cans along the way while hiking and on the way home. Especially on men's day. Without me actively looking for them. The deposit was taken away these days. I may invest the proceeds once again in $SOL (-6,02%) invest it again.

I haven't redeemed any Payback points this month, but I have been busy collecting them.

➡️ P2P loans

With the exception of Bondora Go&Grow, the interest and redemption stream has now dried up on all platforms. EstateGuru also abruptly introduced a new price list at the end of the month, to the detriment of us investors of course. I didn't like this and it only confirms my intention to exit this asset class. There will be news here next month.

➡️ Crypto

It's a case of wait and see. There is no other way to describe the situation. A look at the $BTC (-0,48%) -price shows the sideways movement and resistance at USD 71K. We must remain patient.

➡️ Outlook

The tax refund is on its way and will be invested. Part of it will even be donated. You'll find out what next month. I might also introduce you to a great project that is definitely worth donating to.

Many people are unsure about #dividends #etfs uncertain. Should you invest in a dividend fund such as the $ZPRG (-0,17%) because it guarantees steady payouts throughout the year and it feels good to receive a payout every few months? Or would it perhaps be better to stay away from it, for example during the savings phase, because the growth and return opportunities are simply not attractive enough? There are many different opinions - that much is clear.

One example shows that #dividends #etfs have a significantly lower performance than #thesaurating #etfs

Not such a new insight and yet there is always controversy.

Anyone who invests €10,000 on 11.06.2023 both in the $ZPRG (-0,17%) and in parallel in the $IWDA (-1,03%) and on 11.06.2024, you will look around and realize how "weak" the dividend ETF has performed (in comparison).

A look at the (bare) figures will help to make a classification:

Price gain:

$ZPRG (-0,17%) 573,91€

$IWDA (-1,03%) 2.285,50€

Share price growth:

$ZPRG (-0,17%) 5,72%

$IWDA (-1,03%) 22,79%

Dividends:

$ZPRG (-0,17%) 430,47€

$IWDA (-1,03%) 0€

Total profit:

$ZPRG (-0,17%) 1.004,37€

$IWDA (-1,03%) 2.285,50€

Final capital

$ZPRG (-0,17%) 11.004,37€

$IWDA (-1,03%) 12.285,50€

Total return

$ZPRG (-0,17%) 10,04%

$IWDA (-1,03%) 22,85%

Total growth:

$ZPRG (-0,17%) 10,01%

$IWDA (-1,03%) 22,79%

If the dividends were reinvested directly after payment, the total growth of the $ZPRG (-0,17%) would be 10.35%.

Hello everyone,

I always enjoy reading about the "dividend strategy" here.

Mostly the ETFs $ISPA (-0,51%)
$ZPRG (-0,17%)
$VHYL (-0,58%) are mentioned. The advantage here is that dividends are paid every month.

So far so good. But that's where all the information ends.

Has anyone taken the trouble to present this strategy in figures over the last ten years, for example? I would be interested to see how the capital has developed. Also via a savings plan and with reinvestment of the distributions, for example.

I think there are many newcomers here - like me - who would be interested in this. Perhaps this could also convince some pessimists.

Thank you very much!

What a January. Once again, it's impressive what the new year had to offer us all. Time for a monthly review. This year, I plan to adapt my summary in several steps. First of all, it will be shorter. I'm also going to take my New Year's resolutions and see how well I've fulfilled them. But let's start with the latest developments in my portfolio.

➡️ Shares

My largest positions in terms of volume are still the usual suspects $AVGO (-3,16%) , $MSFT (-1,57%) and $FAST (+0,76%) . They set the tone in the share portfolio. I am particularly pleased with $AVGO (-3,16%) which is now shining with +125% (end of Dec. approx. +100%). There has not yet been a strong correction. In absolute terms, this will soon make up the €1,000 mark in invested capital.

In addition $NOVO B (+5,32%) in 4th place by volume has now exceeded the +100% performance. Really solid, I thought after a few splashes it would have eaten itself up again and the stock would have corrected. Still in the top 10, I also noticed a stock that is now more visible at +50%. It was sold off by some in October 2020 after the share price fell: $SAP (-1,87%) . I tend to stay away from German stocks, but this one is one of three exceptions.

Of course, there are still stocks with a red sign, but these are improving bit by bit thanks to DCA. $DHR (+1,24%) and $MMM (-2,37%) both between -25% and -30%. For me, however, the investment case still fits for both. The souvenir $VLTO WI (+0,87%) I will sell as soon as the price suits me. Otherwise I generally don't sell. For me, the (valuable) invested capital is working time formerly stored in (worthless) money in the form of net salary; for me, selling is like cutting a piece of meat out of my body.

Soon my employer will also be reporting figures for the past FY, and my bonus depends on that. There are also two planned reimbursements from the health insurance company and one from the dental supplement and I'm sure there will be another credit on my electricity bill. Everything by April at the latest. The money will be invested at Easter or sooner in my candidates for new positions. These are: $UPS (+0,29%) , $JPM (-0,57%) and $GLAD . I am still deciding whether it will be all three or just two.

➡️ ETFs

I don't need to repeat myself here. My statement that they are the least everyone needs to do to escape the monster of old-age poverty still stands. Anyone who doesn't invest is a fool. Privately, I am pleased that I can use my experience with this investment vehicle to give people in Facebook groups and on Reddit an example of how simple retirement provision can be. Fight the savings book!

And in line with the battle message, I put a few extra coins into the $ISPA (-0,51%) put some extra money into the There were a few comments about alternatives: https://getqu.in/XAvjzL/

➡️ Distributions and taxes

My strategy of switching to distributing ETFs has paid off. I want it to be tax-simple. In other words, the money that flows to me should be taxed as much as possible and I don't want to hold money anywhere or calculate how much tax-free allowance I will lose for an advance payment. So last March and November, I reallocated some of the ETFs that were still accumulating. The result: only two advance lump sums were due on distributors ($VUSA (-1,13%) and $EXXT (-1,69%) ), which means that the notional lump sum was higher than the basis for calculating the distribution for only two of my ETFs.

Among the ETFs, the $ISPA (-0,51%) only one payout date. For my shares, I was able to book 21 payments on 11 paydays. January had 22 working days in Saxony, of which there were dividends on 11 days, great, right?

➡️ Cashback

I have set aside €10 from payback points for cashback annuities in a settlement account. Cashback proportionally feeds a $ZPRG (-0,17%) savings plan. I will explain exactly how this construct works in a separate article later.

➡️ P2P loans

I continue to long for the day when I am out of this asset class, with the exception of Bondora Go&Grow. I will keep these for the time being.

Repayments are only coming in chunks.

A sad negative record: this was the first month in which only two out of four platforms were still earning interest, i.e. the capital to be collected is virtually no longer working.

➡️ Crypto

No news compared to previous months. I'm waiting with my holdings for the crypto summer. After all, it's crypto spring What I'm currently waiting for: the start of staking at BISON. I want to watch it from the sidelines and then decide whether I want to get involved. If I do, then the corresponding coin will not be cashed out at the turn of the year.

➡️ Interim New Year's goals

Here is the interim status of "non-monetary goals" or habits that I want to continue, consolidate or expand:

• Exercise every morning, at least 30 min on weekdays, at least 75 min on weekends: 30 out of 31 days ☑️
• Resume the evening walk from COVID times: 30 out of 31 days ☑️
• Normalize sleep rhythm + get up at 7:30 a.m. at the latest on weekends: The body actually wakes up before 7:30, but the rhythm is still stuck, I have to go to bed earlier => ❌
• 3x total fasting for at least 7 days: with 12 months, I have to start the first one in April at the latest: ergo no rating (p.s. I start the first one tomorrow). => ⭕️
• In addition: adjust your diet: I have already been able to start the protein portion by paying more conscious attention in the supermarket. The big task is still: How to reduce wheat flour (except by replacing it with spelt & co). At the end of the fast, I want to change my diet again. More greens, more protein, even less sugar.
• Mindset and good contacts: There's still a big construction site here too: Avoiding negative sources is going well, but I still need to find positive drivers. => ❌
• Daily reading: 30 out of 31 days ☑️
• Education and training: I'm working on Wordpress, MS Copilot, reviving my IG account and how to build up another side income in general. Since education and training is a process and has no end goal, I give myself the point: ☑️

As you can see, it's easy to make plans, but it's also important to consolidate the habits and fit them into everyday life.

And now I wish you all a wonderful upcoming carnival.

Picture: Impression while hiking (St. Mary's Church, in front of the Paul Gerhardt monument, Gräfenhainichen [Saxony-Anhalt])

$ZPRG (-0,17%)

what do you think of the ETF? I entered unfavorably at 32€ per, continue to hold or rather sell?

So, finally sorted out a lot of small shit and beginner sins.

At 150€ still goes $PG (+2,23%) (hopefully), at 40€ $DTG (-1,07%) and at 60€ $TTE (-1,26%)

The rest remains for now.

But from now on I'm actively investing only in my 4 ETFs ($VWCE (-0,92%)
$VHYL (-0,58%)
$ISPA (-0,51%) and $ZPRG (-0,17%) ) and look for attractive individual stocks where I think there is some outperformance (e.g. $HUBS (-3,02%) ).

In addition, I have also read up on how to evaluate shares and companies "best" and would like to invest more time in the topic and finance.

My real message behind this post should therefore be:

Don't be ashamed of your beginner mistakes, just correct them when it fits. 😄

In the long run, everything is in it!

With this in mind: Happy Father's Day to all dads!