My portfolio presentation from zero to longterm wealth accumulation with a focus on dividends

Hello everyone,

I wanted to introduce my current depot...I'm 34 years old, married and earn my living as a train driver.

I myself only started actively investing at the beginning of 2024before that I had little to no basic knowledge - so to be honest I'm pretty naive started. 😅

In the meantime, I've gone deeper, read a lot, analyzed, improved - and built up a long-term plan.

🔍 My goal:

A robust, stable portfolio with a focus on:

long-term wealth accumulation
regular passive income through dividends
a small admixture for future themes (Bitcoin)

This is what my portfolio currently looks like:

🧱 ETF as a foundation

$IWDA (-0,47%)
iShares Core MSCI World (ACC) - 100 €/month

➡️ The MSCI World forms the broad basis and is intended for long-term asset accumulation.

🏢 REITs & real estate dividends - for monthly cash flow

$O (+0,21%)
Realty Income - 50 €/month
$STAG (+1,29%)
STAG Industrial - 25 €/month
$VICI (-0,8%)
VICI Properties - 50 €/month

➡️ My focus here is on monthly and stable dividendsespecially from Realty Income.

💸 Dividend stocks (consumer goods & energy)

$MBG (-0,35%) Mercedes Benz Group - 50 €/month
$PEP (-0,48%)
PepsiCo - 50 €/month
$KO (+0,23%)
Coca-Cola - 50€/month
$CVX (+1,03%)
Chevron (new) - 50 €/month
$EUHD (-0,36%) Invesco EURO STOXX High Dividend Low Volatility UCITS ETF Dist - €100/month

➡️ I would like to build up a reliable long-term dividend cushion here - defensive brands such as KO/PEP have "peaceful sleep quality" for me.

₿ $BTC (-0,13%)
Bitcoin

Savings plan: €50/month

➡️ This is my "future addition" - deliberately kept small, but built up regularly.

💰 Liquidity

Overnight money account reduced to ~€5,000 (nest egg)
Previously a car purchase (~€28,000) and caravan purchase (~€21,000) were made

📆 My strategy:

Follow through with savings plans consistently
Reinvest dividends
No more panic selling, just learn & observe

💭 Conclusion:

I know I didn't start not started with perfect conditionsbut I try to learn from mistakes and build solidly in the long term.

My portfolio is still being built up, but it already feels quite coherent: broad-based, cash flow-oriented and with a view to the future.

#crypto
#etfs
#dividends
#portfoliofeedback #newbie

Stulle 🥪@Stullen-Portfolio

16H

It's a good fit: the more you focus on dividends, the more long-term you will need to build up your wealth...😕

Greetings
🥪

•

Kai@Dividenden-Sammler

15H

Very nice presentation and a clear strategy. What I would reconsider would be $MBG - with your strategy it would not be a value in your portfolio for me.

Oliver@OlliKl1

@Dividenden-Sammler Thank you very much!

••

ThomasHH@ThomasHH

It's not a bad start. However, I would personally swap Mercedes for $ALV.
Basically, a focus on growth stocks is more advisable at your age. From the age of 50+, you can increasingly switch your portfolio to dividend stocks.

@ThomasHH Thank you very much!

The thing with Mercedes is that I bought it at a high price at the beginning and then the dip came, which caused a big loss. Fortunately, I was able to smooth out the curve a bit so that it is now "only" ~5% down.

The current development gives me hope that I will be able to exchange the whole thing for $ALV or $MUV2 with some profit in the coming months.

Nobody@Nobody_123

13H

SEEEEEHHHRRRRRRRRR Good! Nice to have you with us and that you are dedicated to the topic! Sounds like a well thought-out plan for a start! Just get on with it! Changes will come by themselves

@Nobody_123 Thank you very much 😊

📈 My portfolio presentation - from zero to long-term wealth accumulation with a focus on dividends