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Restructure securities account

Hey guys,

I have my securities account with my house bank and therefore have to enter all transactions manually, which is quite tedious in the long run. I would like to receive monthly dividends that increase steadily. I have been wondering for a long time, since the $VWRL (+0,33%) consists of $AAPL (-0,2%) etc. and I have an ETF with similar positions, I've been wondering whether it wouldn't make more sense to liquidate these positions and, among other things, save the $VWRL (+0,33%) higher. This would reduce the dividend share in February but increase it in March, for example.

22Posições

€ 917,29

6,37%

8 Comentários

Marcel@xzxzx

Dividend strategy is dirt, especially when you're young.

Sell everything and then get into the FTSE. Put money in every month and leave it there. If you like, maybe Nasdaq or BTC as a little booster. Your future self will thank you 👍

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Echsenkönig Atokarn@Bezehgombjuderstimme

@xzxzx This is the way! 22 positions for not even 1000 euros is wildly different...

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MrOlix@MrOlix

@xzxzx I wouldn't say that

Dividends can serve as motivation, especially in the younger years. years serve as motivation, especially if it is constantly growing

22 stocks are too many to start with
I would still not sell them
Because the fees are too high

Would get away from the house bank first and take a cheap neobroker

Trade Republic, Scalable Capital or Finanzen net Zero

Then build up a base of the FTSE All World and possibly choose a few stocks for the monthly dividend inflow as motivation

No one has THE perfect strategy
But with the FTSE you at least take the market return with you

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Marcel@xzxzx

@MrOlix is unfortunately not growing because most DIV shares are simply a drag on returns in the medium to long term.

And I am convinced that someone who, for example, has NVIDIA in their portfolio, which is then quickly up 20-30%, will have more fun than getting €5 from realty income every month, but which is down 5% or treads water the whole year round

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Alexander V.@YourAverageFinanceBro

@xzxzx This is quite similar to my strategy as well. If you can do this without the motivation from dividends (buying only growth stocks instead), then that's even better.

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Cekay@CMustermann

I would sell the whole thing and start by saving €50,000 in a world ETF. Once you have that, you can look at individual stocks if you absolutely have to.

Monthly dividends are also nonsense, that is definitely not a sign of quality.

Furthermore, it's best to close your custody account with your bank, as the custody account management fees are crazy high in relation to your portfolio. I personally recommend Scalable Capital.

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tommycash@tommycash

I serve as inspiration, best regards:)

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Daffy@Daffy

I'll never understand that strategy. That's no way to build up a fortune at a young age. 1000€, that's 4€ a month in dividends, any homeless person can get more than that in an hour. Get rid of it.

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