Dear Community,

I have sold all my positions in the portfolio except for cryptos with a small profit. After deducting the KEST, I now have 90k available. I'm more into the dividend portfolio. Would only a dividend strategy with ETFs make sense now? I live in Austria. Especially when you consider the taxes, including withholding tax on dividend income here.

For example: 50% on $QYLE (-0,71%) and distribute the rest to other dividend ETFs?

What do you think? Would be very grateful for recommendations and tips.

Kind regards

I am 42 years old and have an investment horizon of 20 years. I would like to combine some growth with dividends as a retirement provision.

Even though the portfolio is currently quite red, I am generally satisfied with the stocks. $RKLB (+1,74%) was once a gift and $MSFT (-0,16%) would be a bonus, so they are not self-selected.

I would like to invest a total of 6,000 euros per year for the time being, i.e. an average of 500 euros per month.

I have now changed the distribution as follows:

150 euros go into the $VWRL (-0,24%)

75 euros to the $ZPRG (-0,44%)

45 Euro to the $QYLE (-0,71%)

30 Euro in the $EUDF (+1,58%)

Would you weight differently here?

Up to now, I have saved 10 euros a month in the individual shares represented, but I will be making a quarterly one-off purchase of 500 euros. In this way, I can take advantage of opportunities and gradually build up the stocks or say goodbye to one or the other or add something new.

400 euros remain free each year, which I would like to use flexibly for $BTC (-0,11%) for example.

I like the mix of regular long-term passive investment and the opportunity to be more active on a quarterly basis.

...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 (-0,8%) 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 (-0,54%)

$3750 (-0,83%)

Stocked up:

$HAUTO (+0,07%)

Liquidated:

$QYLE (-0,71%)

...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 ✌🏻

1- Apply for a custody account loan with Scalable

2- Purchase CC ETF on credit in the maximum amount of 5 net monthly dividends

3- Let the CC ETF repay the loan automatically each month

4- Start a new cycle with €200 more

Let's see how it goes. It's more of a small test, we have enough reserves, don't worry :)

$QYLE (-0,71%) I haven't been around long, so I don't understand why the Nasdaq 100 (Index) has recovered and the NASDAQ 100 Covered Call USD (Dist) is still doing so badly. Is it simply because of the high distribution?

...too strongly corrected, too heavy the rise, and then the orange....so get rid of it and the bottom line with + out and the - is credited to the FSA, so everything supi👍🏻

$QYLE (-0,71%) out, $JEGP (+0,03%) in

And on it goes

$QYLE (-0,71%) Hello everyone,

I came across this ETF today.

Since I don't know anything about covered calls, but would like to know, I'm asking you getquin community.

Can someone tell me the advantage(s) and disadvantage(s) of such covered calls and possibly also whether this is sustainable.

The dividend looks very interesting (especially for the saver's lump sum) but is such a high yield sustainable or how does the issuer earn money from it and offer this dividend?

I would like to thank everyone in advance and hope for some insightful explanations ✌🏼🫶🏼