After all the performance posts, here comes the dividend 😜

@Nobody_123 thanks for the flowers, but I think it's better if you don't do that to yourself 🤭

•

Nobody@Nobody_123

@Dividendenopi But yes, no false modesty

•

Dario1@Dario1

Lecker 😍

•

I mean if you take them out and don't put them back in, dividends are a fine deinvestment strategy.

I still don't understand why people make life difficult for themselves at your age. Everyone as they like it, for me it somehow has a touch of masochism.
"My return is actually crap and I'm giving away money every month, but hey it looks great at first glance. The main thing is that I don't have to make a partial sale from a better performing portfolio to suit my needs. That would be too easy. Please don't question that either"

Smh

••

@Madhatter5566 At his age? You read that he's over 60, right? Then you can definitely focus more on dividends.

•

@Metis why, if he then has shrinking shares in it that don't even pull out the dividend. And then he tries to time it so that it fits every month.

He could also take any conventional portfolio and sell part of it. Fitting. Flexibly. Without having to hold cucumbers in the portfolio. It makes no difference

••

@Madhatter5566 Above all, it makes a difference psychologically and in terms of the effort involved.

••

@Metis Expenses during set-up. Yes, and costs until you actually withdraw the dividends. Correct.

Even more reasons not to do it. You can never time it perfectly with dividends. With payout through partial sale you can

•

And for the partial purchase, you always have to make up your mind to press the Sell button. And you always have to calculate how much you need to sell (including tax). Recalculate month by month and sit down and make the sale.

••

@Madhatter5566 I have three "shrinking stocks", $RIO, $HAUTO and $TRMD A. Only the last one actually has a negative return. However, it has only been in the portfolio since the beginning of the year and has to make an effort not to be kicked out at the end of the year. Rio is also just in the red overall. HAUTO is more than making up for it in dividends. Other stocks such as $IMB are doing well and the cheapest entry still offers a dividend yield of just under 9%. As I said, I like to have continuous income and don't want to make partial sales, as I would have to touch my winners first. Is that better then? I HAVE the capital and don't have to build it up first. I emphasize that all the time.

•

@Metis and in the case of dividends, you have either withdrawn too much and the money is lying around or too little and still have to sell something. And beforehand you also calculate whether it fits with tax....

Not to mention the tens of years where you had to reinvest every time. The money was on its way to you and didn't work accordingly. The bottom line is that building up dividends is definitely more expensive if it's not a one-off payment.

If the criterion is that the respective month fits, then even stranger shares quickly slip into the portfolio.

And with the other, at worst you click on sell once a month.

••

Well, the months with too many and too few dividends balance each other out. Tools like Getquin give you a forecast for the monthly average, so you can work with that.

Without having to calculate and take action every month.

••

@Metis But you can. You have to distribute it so that you get the exact amount you want every month. That's completely wasted effort. And requires umpteen dividend shares.

Personally, everyone can do as they please, but it's no easier to fill the 12 months of agony precisely for years in advance, when you don't even need the dividend yet. Without any benefit.

Quite apart from tax events, trading costs, rebalancing costs etc. In the end, the question is whether it's worth it, especially if the end result doesn't keep up in terms of returns.

••

Ver todas as 4 restantes respostas

@Madhatter5566 Who says that I am guided by constant monthly amounts? In March, for example, I don't have 700 euros, in December over 5000, that fluctuates a lot and I don't care. The net payments come from the clearing account to the giro once a month or every two months. Just like the coupons on the bonds or the quarterly payments on the certificates and overnight and fixed-term interest. This money is enough for me, my wife and our animals to lead a comfortable life without constraints. Rental income on top of that, but I leave it there.

•

You have 3000 STK hoegh? Wow

••

Marcus@Helleone

@Rick ne should be 1600 pieces

•

@Helleone That is correct. There are now 2000 in the depot

••

@Dividendenopi have 1500 and just over half of the dividend 🤔

••

@Rick I have just looked at my dividend statement, with slight exchange rate adjustments, the gross amount was 1,178. Euro, gross

••

@Dividendenopi achso gross 😂😂😂😂

•

@Rick Yep, I mentioned that clearly at the beginning. I personally track different portfolios. And since I have slightly different purchasing and trading positions through my "broker" and there are also tax peculiarities here, I run everything gross and calculate internally for myself. As I said, I always explicitly point out in my posts that taxes are not taken into account

••

@Dividendenopi sorry, I overlooked it

•