3Mês·

Dividend ETF comparison - empirical values / swarm intelligence

Hello everyone,

still relatively new here, started with small values myself in January 2024 and then in summer/fall had all pension funds and other savings funds liquidated and taken over by our "financial advisor" (Lesson Leaned)

Now I have invested a chunk here and there, sometimes a bit wildly. Most of it now in December and January (hence the low return).

I am in my mid-30s and would like to build up a side income with dividends over the next 10 years, in addition to my ETFs, which are intended to be used for retirement in the long term.

I have 4 dividend ETFs in my portfolio and would like to reduce this to 1-2 ETFs. I have already looked through JustETF and there are pros and cons for all of them.

These are in my portfolio:

The $JEGP (+1,35%) is disproportionately represented because the return convinced me, but it does not have the lowest annual costs.

I would like to reduce to 30 positions, some smaller shares are "attempts".

The plan is 65% ETF, 15% dividend ETF, 15% dividend stocks (does that make sense?), 5% growth stocks. I can invest about 3500€ per month. I might want to sell part of it in 5-6 years to have the equity for a house. That would then possibly be the individual shares (partial sales).

What do you think? Which one should I save in the long term?

Best regards and thank you for your opinion.

9 Comentários

3Mês

Don't get too hung up on dividends, as you'll be leaving a lot of performance behind at your age. It's better to save in the IWDA or similar and then sell shares.

https://www.fondsweb.com/de/vergleichen/tabelle/isins/IE00B4L5Y983,IE00B8GKDB10,IE00B9CQXS71,IE00BF2B0M76

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Ver todas as 6 restantes respostas

Harald@Madhatter5566

3Mês

What is the goal? To save now for 10 years and then let the ETF run unspent and somehow also burn through the dividends? Because that's the only scenario where it pays to fixate on dividends. If you were to have the dividends paid out in ten years and still continue to invest, you would simply be leaving growth lying around (and could instead simply reduce the savings rate in ten years for the same effect)

Personally speaking, the dividend strategy is actually only costly in terms of reinvestment (spread, trading costs) and taxes at the beginning of saving, where every euro counts. You can also simply sell part of a non-dividend-paying position later on. Yes, you may then have the costs there, but that is still better than now (compound interest)

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Stefan@Da_Fischi

3Mês

I also have a hybrid solution, approx. 2/3 in accumulating ETFs and 1/3 in dividend growth ETFs with a quality factor. I feel very comfortable with this and there is not much difference between a $IWDA and a $FGEQ. Of the ones you mentioned, I would only keep the $FLXX at most, the rest really don't perform well.

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