We keep $VHYL (-0,27%) buy.

https://youtu.be/dCwIVVB3fjw?is=WFLnLNx7VKw9N2Vx

Hello,

After some time around here, reading, learning from each one of you (this is where I started to know the ETF world) and with only a couple of years investing my life savings, I am launching my small and modest project.

I have seen and admired portfolios of real millionaires, young people who bet on their future with a few thousand euros... I started investing late and today, at 46 years old, I think I have found a point where I feel comfortable investing.

I must differentiate between the part coming from my savings via work (my portfolio in equities, gold and bonds), and the reserve via inheritance after the recent death of my father.

So today, I am showing a dual model, with 30% total equity and 70% protection.

Equities:

$VWCE (+0,39%) + $VHYL (-0,27%) - $SPFE (-0,09%) - $IGLN (+1,07%)

VWCE. Thanks to you, I invest in the 3600 largest companies on the planet. It is of course the foundation that I never want to sell and will serve as a legacy for my daughter.

I chose VWCE over alternatives like ISAC. Actually, both are great for the long term.

VHYL is a tap. Drop by drop, every quarter, it brings in distribution dividends through established companies around the world. And that dividend, it has a destination..... BTC.

SPFE. After a lot of reading, I see that a 40-year-old like me, needs a stability contribution via funds. And after alternatives like VECA, I opt for funds of about 7-8 years of age, that protect the VWCE/VHYL part when it falls.

The reason for SPFE vs VECA, is that semi-annual dividend drip, also destination.... BTC.

IGLN. Gold. Little more to contribute that is not already known about the importance of that 8-12% gold in any long term portfolio.

And... now for what I usually never see:

My liquid cushion (as I say, it comes from a recent inheritance and I must preserve it as much as possible. Ultra-conservative. I just want inflation to barely bite pennies here). It's $XEON (+0,03%) .

I only use XEON when the stock market drops 10-15%, and very cautiously, or when any major incident in the family forces me to sell.

And, my lottery ticket. A 2% (limited by myself) of $BTC (-0,14%) . It is funded via dividend VHYL and SPFE. Those distribution funds, dripping free an asset that may be worth in 20 years x100 its current price, or nothing.

BTC is the only thing I am allowed to sell, every time the horse goes off the handle, by going up too much, redirect to RV.

Simply put, if you have made it this far, thanks for reading me. As I say, I don't often see portfolios like mine. And I don't know if I can help anyone like that.

$LDGL (-0,1%) purchased 285 pieces for 9.101 euros and

$TDIV (-0,26%) bought 50 pieces for 52.25 euro.

i keep buying additional in these 2 etf's so i slowly get equal distribution across my 4 etf's.

( $IDVY (+0,38%) and $VHYL (-0,27%) are my other etf)

The high share in financials is not really a big problem because the portfolio is less than 25% of my total assets.

Hi, I am going to start a somewhat different step in my portfolio.

I'm going to try increasing positions in a dividend distribution ETF $VHYL (-0,27%) to be contributing each income to $BTC (-0,14%)

I am looking for a synergy between a steady drip via quarterly dividend and yield via DCA to BTC.

How do you see it? At the moment I only contribute 1% of the portfolio.

It's always a good feeling when ETFs pay slightly "bigger" dividends!

My favorites here are the $VHYL (-0,27%) and the $TDIV (-0,26%)

Hello dear community,

I am currently facing a groundbreaking decision in my investment strategy and would appreciate your constructive feedback.

I was very lucky to inherit a condominium in an apartment building. It was actually a blessing, but on closer inspection two points are giving me a headache:

Lack of control: At the owners' meeting, I can easily be outvoted on major investments (e.g. new heating system).

Financial risk: High running costs for property management and potential special levies could blow my budget - reserves that I could not currently afford on an ad hoc basis.

My plan: Sell the apartment and redeploy the equity to generate immediate, passive cash flow to support my ongoing living expenses.

My focus: The Vanguard FTSE All-World High Dividend Yield UCITS ETF (Dist)$VHYL (-0,27%)

I find the approach attractive as it is globally diversified and offers a solid distribution yield. But is this the best choice for 2026 and more importantly the future?

• What do you think of the Vanguard High Dividend compared to a classic Distributing All-World or more specialized dividend aristocrats?
• Do you have any alternative ETF suggestions (e.g. from iShares or Fidelity) that might offer a better balance between growth and yield?
• Is there anyone here who has already taken the "real estate to ETF" step?

I look forward to your opinions and experiences! Here's to a successful rest of 2026 - hopefully we'll all see more green in our portfolios again soon! 📈🚀

#investing
#dividenden
#etf
#immobilien
#finanziellefreiheit
#vanguard
#portfolio

Hi, I'm in an "ETF conflict" 😅 I've been saving in three ETFs for some time now: $EIMI (+1,67%) and the distributing $VHYL (-0,27%) .

However, the largest of the three ETF positions is by far the $IWDA (+0,4%) - somehow I've not been so happy with it for a while now and I'm wondering whether it makes sense to move everything from this ETF into the $VWRL (+0,45%) or simply move the savings amount into the $VWRL (+0,45%) from now on...or just stick with the $IWDA (+0,4%) because it won't make much difference in the end? 🤔

depot significantly simplified.

Savings are now only $VWCE (+0,39%) and $VHYL (-0,27%)