2D·

Depot update

Dear Community,

I would like to hear your opinion again.

Today I sold a small part of the $VWRL (-0,45%) to have a foot in the door in all my stocks.

A maximum of 1-2 stocks will still be added to my portfolio, after that I will only add to them when there are good opportunities (core satellites).

Opinion on my portfolio? Which stocks would you add? $MA (-2,53%) or $V (-2,85%) +$TDIV (-0,72%) are the stocks I have in mind. Perhaps another stock in the energy sector, any insider tips?

The strategy is actually based on 1-2 ETFs plus individual stocks. More in the direction of value, i.e. stocks with growth potential + steady dividend growth.

If possible, not just thumbs up, but criticism please^^

MfG Flo

10Posições

€ 45.040,35

4,67%

6 Comentários

Adrian@InvestmentandLaw

I would recommend $TDIV, it pays a good dividend and is still growing (many other div. ETFs have rather poor growth).

I would also be interested: Did you have an inheritance or something similar because you've only been invested since 2025 but with good capital?

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Fl_ow@Fl_ow

No, I have invested all my savings^^ and earn well for Austria, as well as having taken few vacations

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Adrian@InvestmentandLaw

@Fl_ow I see, so you also had the realization that the savings account isn't the real thing 😄 it took me until 24 too haha

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Fl_ow@Fl_ow

That's exactly how it is, changed strategy 1000 times and now I think I'm pretty much on the right track 🥰🤣

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Adrian@InvestmentandLaw

With ETF-Core and a few quality stocks as atellite + BTC you are definitely on the right track I think 👍

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Fabian@FKabs

I would advise against $TDIV as the ETF is domiciled in the Netherlands.
Here the distributions are treated as dividends and lead to a 15% withholding tax charge (in addition to the 27.5% withholding tax). This reduces the dividend yield of around 3.9% to around 2.4% after deduction of KeSt and withholding tax.

Have a look here:
https://www.broker-test.at/news/ausschuettung-von-niederlaendische-fonds-15-quellensteuer-plus-275-kapitalertragsteuer-warum/

In addition, this ETF only reports annual reports and no distribution reports to the OEKB, which is again tax disadvantageous from an Austrian tax perspective:
https://my.oekb.at/kapitalmarkt-services/kms-output/fonds-info/sd/af/f?isin=NL0011683594

I would continue to put everything in the $VWRL.

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