1Semana·

The snowball is getting bigger. My Dividend Recap 📶

This post has no value for you unless you're a dividend investor!


So far, my portfolio has generated a return of just under 5 years around €11,000 in net dividends. For the next €11,000 , it will likely take not another five years, but a little more than two. If the dividends are reinvested, it will happen even faster.

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My portfolio currently pays out over €400 net in dividends, which currently amounts to a 3% net dividend yield based on my portfolio. I think that the net quarterly dividend will increase to approximately €3,000 per quarter over the next 3 to 4 years. It took 5 years to reach that amount.

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The dividends are specifically reinvested thatthat offer an attractive dividend yield and, at the same time, increase their payouts by more than 8% year after year. Dividend Growth


As a result, the dividend should grow through the compound interest effect grow exponentially over the long term.


My first major goal is €10,000 in dividends per year. That’s roughly equivalent to the effect of a portfolio worth €10,000 were to grow by 7 to 8% … but in the form of dividends ⛄️ Provided, of course, that the companies can maintain this standard over the long term. 💪

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Actually, I wanted to reach the €10,000 in gross dividends per year by the end of the year. Instead, I’ve deliberately focused on adding companies to my portfolio that I absolutely want to own for the long term, regardless of their current dividend yield.

Well, not entirely independent of the dividend yield... I’ve made it a habitto buy stocks when they happen to stumble , so I can secure a good entry yield . This way, earn interest earn a high personal dividend yield.
I call this “drawdown investing.” However, I absolutely do not recommend this TO ANYONE, because you’ll often end up a falling knife than into a bowl full of gifts! :D


These include, among other things, $MCD (+0,28%)
$MSFT (+0,48%)
$UNH (+0%) and $HD (+0,64%) etc… very valuable for my strategy


These companies have excellent dividend growth. Together with the other stocks in the portfolio, they should reach the goal of €10,000 per year—and significantly exceed it—over time.


Ultimately, I’m aiming for a combination of steady price growth, high-quality dividends, and dividend growth, so that there’s always something to buy more of in the long run.


I wanted to show you, without any context, what it might look like once the dividend snowball starts rolling.

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*Not investment advice*

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53 Comentários

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I like your approach and, above all, your strategy. I’m pretty much on the same page as you when it comes to the income aspect of my investment—my goal is to have additional income in my old age.

​For the Stoic Dividend Foundation, I follow these rules:

​1. The Dividend Filter (Income Basis)

​Dividend yield: At least ≥ 3.5%. I’ll only accept a lower yield in exceptional cases, when dividend growth is extremely high and the balance sheet is absolutely rock-solid.

​Sustainability: No “pseudo-dividends” drawn from equity or financed by new debt. The dividend must be fully covered by actual cash flow.

​2. The Most Important Valuation Ratios

​Whenever I analyze a company, I routinely calculate and review these five ratios:

​P/E Ratio (Price-to-Earnings Ratio): Must align with earnings power to avoid including overpriced stocks in the portfolio.

​P/CF (Price-to-Cash Flow Ratio): Extremely important for assessing net asset value.

​P/S (Price-to-Sales Ratio): Used to contextualize the fundamental valuation within the industry.

​P/B Ratio (Price-to-Book Ratio): Shows me how the market values the company’s net asset value.

​Dividend Yield: (calculated based on the current market price).

​3. The Cash Flow Quality Formula (The Cash Machine)

An FCF yield of > 5% is considered attractive; at > 8%, it is very attractive.

A negative FCF is an absolute deal-breaker for the earnings foundation.

​4. The Ironclad Exclusion Rules (Immediate Veto)

​I won’t buy the stock if:

​Revenue growth is stagnant or negative.
​The operating margin is consistently < 5%.

​The narrative becomes more important than the raw numbers (no stocks based purely on hype or wishful thinking).

I’ll see if there are any stocks in your portfolio that might be right for me.

Have a great weekend
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@Raketentoni That's a great list—those are definitely very important criteria for a strategy like this. However, if you get too caught up in individual metrics, you often lose sight of the big picture. Furthermore, metrics can vary significantly from sector to sector, which is why you should always evaluate companies within the context of their respective industries.
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@Raketentoni I have Oxford Lane Capital here as a negative example—it’s been in my portfolio for years—and yes, the stock price has plummeted, but the dividend payments haven’t. Most people would have gotten cold feet at some point and sold out, but I just held onto the shares, collect the dividends every month, and hope that the price will rise again—which many analysts are predicting... We’ll just have to wait and see. Another example is BCAT—it also took a dip at one point, but NOW I’m back in the black in terms of price. The GlobalX ETFs are also interesting; they’re all structured in Ireland, are withholding tax-free, and are performing very well with an average monthly dividend yield of 14%. In addition, there are also conventional stocks like SITC, for example—I bought in at 1.80 back then, and now they’re over 4 euros. With a twice-yearly dividend yield that’s also a solid 10% or more. I just happen to have quite a few of these kinds of stocks in my portfolio. GlobalX NAS 100, S&P 500, SuperDividend, and a few others are the mainstays here… along with the three-digit amount that Oxford Lane, for example, pays out every month.
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Congratulations—you're on the right track! I'm also counting on dividends, and my projection for 2027 is already over 12k gross. I find it motivating when I don't just have to hope for capital gains, but actually get "real money"!
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@Svengus A lot of people are against it and talk it down. But I hope you reach your next destination as soon as possible🏁
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@Svengus THAT is the point. All that fuss with price gains, buying, and selling is just exhausting and pretty risky. I still do it, though—but with strict limit and stop orders. For example, with Almonty, I’ll place an order for a position at 11 euros—and then set a stop order at 13. Just an example from the past. But it often backfires.
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@PoorDad First of all, congratulations on what you’ve already built up! It’s exactly this snowball effect that makes long-term dividend investing so exciting to me!

I also find the 8%+ dividend growth to be an interesting approach. But I’d be curious to know what other metrics or criteria you primarily focus on when selecting your companies.
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@DividendenPapa Thanks! I look at several key metrics. But these are the most important ones: First and foremost, a growing company. A company that isn’t growing can’t increase its dividend in the long run. After all, that’s what’s implied by the word “growth.”

When gross margins exceed 40%, I take a closer look. Low debt is also a huge advantage because the money isn’t lost to interest payments but can serve as a buffer for future dividend increases.

Return on equity and similar metrics also play an important role. However, revenue growth, profit growth, and free cash flow are among the most important figures for me.
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@PoorDad Thanks for sharing. That actually aligns pretty closely with my approach. Revenue growth, profit growth, and strong free cash flow are also among the most important metrics for me.

I’ve even set up a small pre-screening process for my watchlist that filters companies based on exactly these criteria before I begin a full analysis. While I weight the metrics slightly differently depending on the type of company, I generally look for high-growth companies with sustainable cash generation and a healthy payout ratio. It’s important to me that dividends are financed by a strong operating business and don’t come at the expense of the company’s net worth.
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@DividendenPapa Well, admittedly, it’s also a bit of a gut feeling. And, of course, experience gained over the years with individual stocks. A lot of it started as a trial run and then took off, like BCAT and, above all, the GlobalX ETFs. But there are also reinvesting ETFs like WORLD that I’ve been saving into (albeit with small amounts), which are just steadily growing. That’s nice, too. Defense stocks seem to be taking a breather right now, if you look at it that way. I actually always look at the growth and dividend rates from recent years—sites like Dividendmax.com are helpful too—but take them with a grain of salt and question them. Still, they’re always a source of inspiration. After that, I put “new additions” to the test on various analyst sites; I’ve also subscribed to some, like investing.com. Even when in doubt, this gives you an overall impression that complements your own understanding of the numbers based on the company data provided—including, of course, from the Sparkasse website. And then you just have to decide whether to invest. Oxford Lane was one of the first stocks in my portfolio since 2021; the dividends paid should have more than offset the loss in share price—but—okay, yes, in real terms it’s certainly a loss, though at the very least a significant reduction in the apparent profit if I were to sell.
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Great. I think the chart really shows how the whole thing is gaining more and more momentum. I also find dividends very motivating for staying on track with my investing.
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@NichtRelevant It's definitely very motivating to see a new, bigger bar appear every time. It's getting more and more impressive 😄🥳
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I have a question about this, because that’s how I’d always seen it until my tax advisor took a different view. Doesn’t the more favorable tax treatment of accumulating ETFs actually push us in that direction? (In the long run)
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@Alesch The biggest advantage for me is having full control over my portfolio. I love getting up early on the weekends, sipping coffee while I analyze my portfolio and do a lot of thinking. With an ETF, I wouldn't have those perks. But in the end, the joy I get from it is simply the biggest advantage, regardless of everything else.
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@Alesch I also have accumulation ETFs in my portfolio, but I always find it nice and motivating when I receive a lot of dividend payments at the beginning of the month. I decide on a month-to-month basis how to reinvest them into the individual dividend-paying stocks. The tax-free allowance applies through February; after that—unfortunately—a 25% capital gains tax is due. And if you eventually sell a non-dividend-paying ETF, you’ll have to pay taxes on the profit as well—even if it’s offset against a loss carryforward.
Hmm, that’s what I thought, too, but since I don’t have time to pick out individual companies, I’ve limited myself to four ETFs that pay dividends quarterly, and now I’m going to try to maximize my savings as much as possible. My goal is to maybe cut back to 80% of my current workload soon and make up the difference with my dividends.
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@AxelS That sounds like a plan. Keep it up!
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@AxelS You can do it that way. I also have a few quarterly-paying funds, but funds like BCAT or the GlobalX ETFs pay out monthly and are very well positioned with an average return of 14%. As I wrote—three more years of salary from the ATZ passive phase and the rest of this year—then the monthly dividend income should be “there.” And it’s already in the four-digit range. It should grow a little more; we’ll see.
@ZaphodB I have the $VHYL, $TDIV, $ISPA, a bit of Global X as well, and 30% in $BTC, plus individual stocks that I’m slowly but surely selling at a profit (unfortunately, they’re all in the red right now—Xiaomi, etc. ) and then, using these three or four ETFs, I’ll simply try to keep my savings rate high because I can’t seem to beat the market...
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@AxelS I feel the same way about many individual stocks (about 60%); the rest have definitely turned green. But that doesn’t have to stay that way. The ETFs you mentioned seem a bit meager to me, with a dividend yield of 3.x%, even though their price performance is certainly strong. As for reinvesting dividends, I have, among others, the Finanzen.net MSCI World UCITS ETF USD Acc. (FR001400YYJ0) in my portfolio with a savings plan… it’s also performing very well. I’m not into crypto or BTC; the few tokens I have have plummeted in value and will just sit on the shelf until times get better or the stuff has molded away. :)
Hello @PoorDad,
Thank you for sharing your ideas with us. Can you explain why you decided against dividend ETFs and in favor of hand-picking individual dividend stocks, as @AxelS had already described?
I invest monthly in a Van Eck dividend ETF, which has posted a price gain of about 26% over the last 12 months and pays a 3% dividend. Combined with three other ETFs, this results in a quarterly dividend payout.

Thanks, and continued success. I firmly believe in the power of compound interest, even with dividends, which, by the way, are also less sensitive to price corrections.
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@CashCovv Hi! My first books on the stock market were by Peter Lynch. From them, I learned how to see things through the “Lynch lens” when observing, from morning to night, the companies we deal with every day. From brushing my teeth to eating breakfast to driving, when I stop in front of stores, while shopping, or when I notice where lines are forming and people are gathering to get something.

In the early days, I learned from those books how to evaluate companies for the future, and that’s how my strategy took shape. I’m actually still in the early stages.

It just turned into a passion, and I love buying, holding, and selling stocks. I also love receiving my dividends directly from the company.

I don’t see anything wrong with ETFs or stocks. I just find one of them more appealing.
@PoorDad Thanks for the quick reply. I can see where you're coming from.

Keep up the good work, and have fun!
Is $GIS part of your investment strategy?
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@stocker_119 not anymore
@PoorDad if dividend is the strategy isn't $GIS something with yield close to 7%
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@stocker_119 I don't like buying stocks just because of a high dividend yield. Sometimes, it's actually a red flag. I sold GIS to buy another company where I see more potential. Of course, I think GIS will achieve a turnaround, but no longer in my portfolio, because the company is currently struggling to keep up with its peer group.
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@stocker_119 It's been on my watchlist for a while now, but I haven't really found the right entry point yet. It's a very solid stock, though, and a dividend yield of over 6% is quite impressive for the industry.
Are you currently interested in Accenture?
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@Robin2100 Accenture is my most recent addition
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I also didn’t start building up a portfolio until 2021—a bit by trial and error, and of course, by learning the hard way. Currently, with about 150KEuro in the portfolio, roughly 80KEuro of that is invested in dividend-paying stocks, which CURRENTLY generates a gross monthly dividend income of about 1,200 Euro. And the trend is upward. The reason behind this move was the partial retirement offer I accepted three years ago—the active phase will end this year, after which I’ll enter the passive phase for another three years at the same salary. Let’s see what kind of growth we can still achieve with that. These are mainly ETFs, preferably those from GlobalX, which are based in Ireland and are therefore exempt from withholding tax. There are plenty of other investment companies as well, most notably Blackrock Capital (BCAT)—that alone pays out over 300 euros every month, which is reinvested immediately. To round out the diversification, I’ve included holdings like RWE, SITC, Suntien Green Energy, Hercules Capital, as well as Whitehorse, Oxford Lane, Oxford Square, Windenergie, and several other shipping companies, etc., etc.—it’s just very heavily diversified. I’m aiming to increase my dividend income to at least 2K gross per month within three years. Then I would have maintained my salary level even with the statutory pension starting at age 65 (with reductions). Unadjusted for inflation, of course.
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@ZaphodB Not bad—so let me get this right… you invested 80K in a way that pays out €1,200 a month?
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@PoorDad That's about right, yeah. Even if it's gross. I can send you a list from Dividendmax with the stocks—it doesn't include absolutely all of them, but it does have the most important ones. Or I could try to share access to my portfolio here somehow.
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Das heri wären die Zahlungen bisher dieses Jahr.....leider etwas unüberischtlich, aber die Hauptzahler sind halt schon drin

@ZaphodB 15. Jul 26 Apollo Commercial Real Estate Finance Inc Dividend payment
Apollo Commercial Real Estate Finance Inc
15. Jul 26 Apollo Commercial Real Estate Finance Inc Dividend payment
Apollo Commercial Real Estate Finance Inc
10. Jul 26 Seanergy Maritime Holdings Corp Dividend payment
Seanergy Maritime Holdings Corp
10. Jul 26 AGNC Investment Corp Dividend payment
AGNC Investment Corp
10. Jul 26 Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS Dividend payment
Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS
06. Jul 26 Dividend payment
WhiteHorse Finance Inc
30. Jun 26 Orient Overseas (International) Ltd. Dividend payment
Orient Overseas (International) Ltd.
30. Jun 26 Oxford Lane Capital Corp Dividend payment
Oxford Lane Capital Corp
30. Jun 26 BlackRock Capital Allocation Term Trust Dividend payment
BlackRock Capital Allocation Term Trust
30. Jun 26 Oxford Square Capital Corp Dividend payment
Oxford Square Capital Corp
29. Jun 26 Orchid Island Capital Inc Dividend payment
Orchid Island Capital Inc
25. Jun 26 Global X Funds - Global X S&P 500 Covered Call ETF Dividend payment
Global X Funds - Global X S&P 500 Covered Call ETF
25. Jun 26 Global X Funds - Global X NASDAQ 100 Covered Call ETF Dividend payment
Global X Funds - Global X NASDAQ 100 Covered Call ETF
24. Jun 26 Halliburton Co. Dividend payment
Halliburton Co.
12. Jun 26 Burford Capital Limited Dividend payment
Burford Capital Limited
09. Jun 26 AGNC Investment Corp Dividend payment
AGNC Investment Corp
09. Jun 26 Dividend payment
TotalEnergies EP Gabon
08. Jun 26 Meren Energy Inc. Dividend payment
Meren Energy Inc.
01. Jun 26 BW Offshore Dividend payment
BW Offshore
29 May 2026 Oxford Lane Capital Corp Dividend payment
Oxford Lane Capital Corp
29 May 2026 Oxford Square Capital Corp Dividend payment
Oxford Square Capital Corp
29 May 2026 BlackRock Capital Allocation Term Trust Dividend payment
BlackRock Capital Allocation Term Trust
29 May 2026 Greencoat UK Wind Plc Dividend payment
Greencoat UK Wind Plc
29 May 2026 Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS Dividend payment
Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS
28 May 2026 Orchid Island Capital Inc Dividend payment
Orchid Island Capital Inc
21 May 2026 Global X Funds - Global X NASDAQ 100 Covered Call ETF Dividend payment
Global X Funds - Global X NASDAQ 100 Covered Call ETF
21 May 2026 Global X Funds - Global X S&P 500 Covered Call ETF Dividend payment
Global X Funds - Global X S&P 500 Covered Call ETF
21 May 2026 Hercules Capital Inc Dividend payment
Hercules Capital Inc
21 May 2026 Dividend payment
Solstad Maritime ASA
21 May 2026 Hercules Capital Inc Dividend payment
Hercules Capital Inc
15 May 2026 SITC International Holdings Company Limited Dividend payment
SITC International Holdings Company Limited
11 May 2026 AGNC Investment Corp Dividend payment
AGNC Investment Corp
08 May 2026 2020 Bulkers LTD Dividend payment
2020 Bulkers LTD
08 May 2026 2020 Bulkers LTD Dividend payment
2020 Bulkers LTD
07 May 2026 Ecopetrol SA - ADR Dividend payment
Ecopetrol SA - ADR
06 May 2026 RWE AG - Class A Shares Dividend payment
RWE AG - Class A Shares
30. Apr 26 Oxford Lane Capital Corp Dividend payment
Oxford Lane Capital Corp
30. Apr 26 Oxford Square Capital Corp Dividend payment
Oxford Square Capital Corp
30. Apr 26 BlackRock Capital Allocation Term Trust Dividend payment
BlackRock Capital Allocation Term Trust
29. Apr 26 Orchid Island Capital Inc Dividend payment
Orchid Island Capital Inc
24. Apr 26 Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS Dividend payment
Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS
23. Apr 26 Global X Funds - Global X S&P 500 Covered Call ETF Dividend payment
Global X Funds - Global X S&P 500 Covered Call ETF
23. Apr 26 Global X Funds - Global X NASDAQ 100 Covered Call ETF Dividend payment
Global X Funds - Global X NASDAQ 100 Covered Call ETF
10. Apr 26 AGNC Investment Corp Dividend payment
AGNC Investment Corp
10. Apr 26 Seanergy Maritime Holdings Corp Dividend payment
Seanergy Maritime Holdings Corp
07. Apr 26 Meren Energy Inc. Dividend payment
Meren Energy Inc.
06. Apr 26 Dividend payment
WhiteHorse Finance Inc
06. Apr 26 Dividend payment
WhiteHorse Finance Inc
31 Mar 2026 Diversified Energy Company Plc Dividend payment
Diversified Energy Company Plc
31 Mar 2026 Oxford Lane Capital Corp Dividend payment
Oxford Lane Capital Corp
31 Mar 2026 Oxford Square Capital Corp Dividend payment
Oxford Square Capital Corp
31 Mar 2026 BlackRock Capital Allocation Term Trust Dividend payment
BlackRock Capital Allocation Term Trust
30 Mar 2026 Orchid Island Capital Inc Dividend payment
Orchid Island Capital Inc
27 Mar 2026 Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS Dividend payment
Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS
26 Mar 2026 Global X Funds - Global X S&P 500 Covered Call ETF Dividend payment
Global X Funds - Global X S&P 500 Covered Call ETF
26 Mar 2026 Global X Funds - Global X NASDAQ 100 Covered Call ETF Dividend payment
Global X Funds - Global X NASDAQ 100 Covered Call ETF
25 Mar 2026 Halliburton Co. Dividend payment
Halliburton Co.
25 Mar 2026 2020 Bulkers LTD Dividend payment
2020 Bulkers LTD
13 Mar 2026 BW Offshore Dividend payment
BW Offshore
10 Mar 2026 AGNC Investment Corp Dividend payment
AGNC Investment Corp
10 Mar 2026 Chevron Corp. Dividend payment
Chevron Corp.
04 Mar 2026 Hercules Capital Inc Dividend payment
Hercules Capital Inc
04 Mar 2026 Hercules Capital Inc Dividend payment
Hercules Capital Inc
27. Feb 26 Oxford Lane Capital Corp Dividend payment
Oxford Lane Capital Corp
27. Feb 26 Oxford Square Capital Corp Dividend payment
Oxford Square Capital Corp
27. Feb 26 BlackRock Capital Allocation Term Trust Dividend payment
BlackRock Capital Allocation Term Trust
26. Feb 26 Global X Funds - Global X NASDAQ 100 Covered Call ETF Dividend payment
Global X Funds - Global X NASDAQ 100 Covered Call ETF
26. Feb 26 Orchid Island Capital Inc Dividend payment
Orchid Island Capital Inc
26. Feb 26 2020 Bulkers LTD Dividend payment
2020 Bulkers LTD
26. Feb 26 Global X Funds - Global X S&P 500 Covered Call ETF Dividend payment
Global X Funds - Global X S&P 500 Covered Call ETF
20. Feb 26 Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS Dividend payment
Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS
10. Feb 26 AGNC Investment Corp Dividend payment
AGNC Investment Corp
30. Jan 26 BlackRock Capital Allocation Term Trust Dividend payment
BlackRock Capital Allocation Term Trust
30. Jan 26 Oxford Square Capital Corp Dividend payment
Oxford Square Capital Corp
30. Jan 26 Oxford Lane Capital Corp Dividend payment
Oxford Lane Capital Corp
29. Jan 26 Orchid Island Capital Inc Dividend payment
Orchid Island Capital Inc
23. Jan 26 Global X Funds - Global X S&P 500 Covered Call ETF Dividend payment
Global X Funds - Global X S&P 500 Covered Call ETF
23. Jan 26 2020 Bulkers LTD Dividend payment
2020 Bulkers LTD
23. Jan 26 Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS Dividend payment
Global X ETF ICAV - GLOBAL X SUPERDIVIDEND UCITS ETF USD DIS
23. Jan 26 Global X Funds - Global X NASDAQ 100 Covered Call ETF Dividend payment
Global X Funds - Global X NASDAQ 100 Covered Call ETF
15. Jan 26 SITC International Holdings Company Limited Dividend payment
SITC International Holdings Company Limited
12. Jan 26 AGNC Investment Corp Dividend payment
AGNC Investment Corp
07. Jan 26 2020 Bulkers LTD Dividend payment
2020 Bulkers LTD
05. Jan 26 Dividend payment
WhiteHorse Finance Inc
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@ZaphodB Wow, that’s quite a list 😅😅 Unfortunately, I have to say I’m not a fan of YieldMaxx at all… I’m more into boring dividend aristocrats with strong dividend growth. But if that’s what drives you and it’s working out well, then go for it!! 🚀
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@PoorDad So far, I can't complain about the last few years... It really is all about the variety, isn't it?
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I'm guessing you're struggling with the ex-dividend dates... 😅
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That is 18% dividend yield! ⚠️
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@beardonfire yupp...maybe. :)
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Good job Dad!
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Wow, my investment performance is very similar, and the strategy matches mine as well.

Question: What about ETFs? What percentage of your portfolio is allocated to them?
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How much money do you invest each month, or do you make purchases not through a savings plan but whenever you have money available?
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With this strategy, there’s a 95% chance you won’t beat a global ETF. It’s an incredibly expensive hobby. Without an ETF approach, you’ll even miss out on the partial tax exemption and thus the tax benefits. Have you ever compared your performance so far to that of the All World ETFs? The longer you stay in the market, the higher the probability that you’ll lose money.
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What app u use for the first images ?
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