2Ano·

Depot presentation

I have been with Deutsche Telekom since its IPO and, in parallel to my Deutsche Telekom employee shares, I have invested in the $HJUF (-0,25%) for years.

I reallocated this to "core formation" in 2021:

- $VWRL (-0,31%) (Vanguard FTSE All-World)

- $VHYL (-0,2%) (Vanguard FTSE All-World High Dividend)

- different ETFs to cover the entire global economy

Newly added:

- $IE0005AJA0P1 (+0,04%) (L&G Global Quality Dividends, a monthly payer)

I no longer have any individual shares in my portfolio, so it is much easier to sleep.

Savings rate since 2021

My savings rate is currently around 400 euros/month plus dividends, among other things.

Target

A few euros in additional passive income from dividends would be nice. I would like to reduce my working hours in a few years and hope that this works out 😊

Dividends

My current incoming dividends of approx. 2700€ / year are automatically reinvested (possible with ING and Scalable) directly back into the respective ETF.

7Posições

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16 Comentários

six@six

2Ano

Wow. I'm always jealous when someone has started so early. I'm soon 47 and have only really started 2.5 years ago. I'm still thinking about whether and if, when I go into the All World High Dividend.@Kundenservice when gets the All World High Dividend actually times the new Vanguard logo like the

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JM@jm_finance

2Ano

@six Yes, those were also my thoughts...the Perfomance is not quite so good with the "dividend ETFs". Have now dared the step some time ago and hope that my calculation works out :-)

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six@six

2Ano

@jm_finance easier in retirement when fixed higher dividend payments come. Currently have the majority in the All World Thesaurierer (because of the tax advantage). However, I do not yet know how that runs in retirement. Selling shares at ING is still associated with higher costs. But in 20 years no one knows anyway how it looks. Am also considering a few years before retirement possibly also what to shift into bonds (make "one" probably so) 🤷🏻‍♂️

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JM@jm_finance

2Ano

@six....ja, I'll have to read up on the subject of "bonds" at some point....

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yieldhunter@randomdude

2Ano

@six The topic of the "withdrawal phase" is unfortunately neglected by most experts and influencers. The two points you mention (allocation, settlement) are enormously important and must basically be considered from the outset, especially from a tax perspective.

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Kundenservice V.@Kundenservice

2Ano

@six Once colleagues have the time to upload the logo with other logos. :)

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six@six

2Ano

@randomdude what are you saving for and what are your plans for retirement? Or still too far away?

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yieldhunter@randomdude

2Ano

@six My investment horizon is about 12 years. For this, I drive three-track: 1/3 Riester (special topic, is under observation 😉), 1/3 GTAA (see posts from @Epi on this) and 1/3 dividend ETFs. Idea is to later run withdrawal via dividends (+ Riester) on autopilot. Since the GTAA portfolio will be taxed, this gives me flexibility. But maybe I'll switch again and go to 2/3 on GTAA if practice confirms the backtest results.

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Tom A.@TA2400

2Ano

@randomdude exactly. But then I found good videos from 'finanzfluss' also regarding 'last in first out' and the topic 'Entsparen'.

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Juan@sotiega

2Ano

I've been thinking about the 'dividend' game lately, maybe I was influenced by some YouTube videos but I came to the conclusion that I dont need them right now. I am 20 years away from retirement and the majority of my portfolio is in global indexes. I understand that dividends give that gratification of seeing the cash coming in but if it is going to be reinvested, a global index (VWRL, PRIW, etc) delivers higher growth every year.

I will switch my investments to the 'dividend' type once I start withdrawing money from the account.

PS: The VWRL and PRIW (also stocks like AVGO) still give me those dopamine shots in form of dividends when needed :))

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JM@jm_finance

2Ano

@sotiega ......that's a good plan, if you still have to work that long, you don't necessarily need dividends :-)

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basicInvesting@mo_explains

2Ano

@sotiega could you share the videos please?

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Juan@sotiega

2Ano

@getquin1234 I watched them from many sources. You can find the YouTube channels at:

-https://www.youtube.com/@rynewilliams
- https://www.youtube.com/@TheCompoundingInvestor

and some others

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Christian@Stereomane

2Ano

At that time, I was also still content with stock market games... 😎 However, I also had the Telekom share in the sample portfolio at that time.

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ThomasHH@ThomasHH

1Ano

At your age, I would no longer invest in an ETF with high dividends. It makes more sense to invest in selected individual stocks, namely a mix of more conservative value stocks such as Allianz and some stocks with a high dividend yield and more risk, e.g. Reits. Check once a year and reallocate if necessary.

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JM@jm_finance

1Ano

@ThomasHH.... I had specifically opted for the dividend ETFs so that I don't have to keep an eye on the market and the individual stocks all the time 😉 $O is included and Allianz, plus the $IUSA for performance 🙂 Not to forget the $VWRL....many people shift around in old age to be able to cover a small part of the costs from the dividends (without selling shares), but I'll think about it, thanks for your answer 👍🏻🙂

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