I was faced with the same consideration at the beginning of 2024. At that time with just under 70 individual stocks, reallocated to too many ETFs and now broken down to $MAIN $ARCC $HTGC as BDCs. There are also 4 ETFs in the savings plan - $FGEQ, $TDIV and $JEPQ + $JEGP.
In particular, $JEGP has proven to be a good anchor, $JEPQ brings the high distributions and the last two should shine globally with some growth. Each of the 4 etfs receives at least €250 per month, the non-covered call etfs receive the reinvested dividends per month on top.
I adjust the plans 1-2 times a year and let them run.
I only use Getquin for tracking (monthly average amount).
Emerging markets, commodities and futures are not saved as an asset class.
I feel quite comfortable with this at the moment and am taking care of more important things.
In particular, $JEGP has proven to be a good anchor, $JEPQ brings the high distributions and the last two should shine globally with some growth. Each of the 4 etfs receives at least €250 per month, the non-covered call etfs receive the reinvested dividends per month on top.
I adjust the plans 1-2 times a year and let them run.
I only use Getquin for tracking (monthly average amount).
Emerging markets, commodities and futures are not saved as an asset class.
I feel quite comfortable with this at the moment and am taking care of more important things.
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@Lethetrendbeyourfriend Thanks for your assessment, did you not feel comfortable with your 70 individual stocks or did the ETFs you mentioned simply provide the better yield + dividends?
I've already looked at $JEPQ and $JEGP but I'm not sure whether I should leave my €10,000 there $O. It was also emphasized in another thread that the two ETFs are of course better than the REIT from a tax point of view
I've already looked at $JEPQ and $JEGP but I'm not sure whether I should leave my €10,000 there $O. It was also emphasized in another thread that the two ETFs are of course better than the REIT from a tax point of view
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@BockaufDividenden I was in over my head with the 70 stocks, I had too much effort to manage my investment for 0.5 to 1.5% more potential total return. I wanted to start the autopilot via ETFs as I no longer had enough time to keep up to date with the many companies, cyclicals and sectors.
The ETFs bring similar returns, the same growth and my focus has shifted to "I never want to sell anything".
If I was purely interested in returns, I would have invested in an s&p 500 ACC or $XDEM.
$O was a savings plan position for me for a long time, also in the 5-digit range, but the growth is so low that I simply didn't feel like it anymore and I saw opportunity costs, i.e. the money would be better off elsewhere. In the long term, $ARCC and $MAIN will be my only stocks. $HTGC did very well, but is too volatile for me with its bioscience focus.
The two covered call ETFs will be weighted together at 20%, the BDCs also at 20%, and the remaining 60% will be made up of $FGEQ and $TDIV.
In the long term, I would like to move away from individual stocks and let my savings plans run without much thought.
My portfolio return is in the TR with a Msci World, with less drawdown and more dividend focus (including dividends).
The ETFs bring similar returns, the same growth and my focus has shifted to "I never want to sell anything".
If I was purely interested in returns, I would have invested in an s&p 500 ACC or $XDEM.
$O was a savings plan position for me for a long time, also in the 5-digit range, but the growth is so low that I simply didn't feel like it anymore and I saw opportunity costs, i.e. the money would be better off elsewhere. In the long term, $ARCC and $MAIN will be my only stocks. $HTGC did very well, but is too volatile for me with its bioscience focus.
The two covered call ETFs will be weighted together at 20%, the BDCs also at 20%, and the remaining 60% will be made up of $FGEQ and $TDIV.
In the long term, I would like to move away from individual stocks and let my savings plans run without much thought.
My portfolio return is in the TR with a Msci World, with less drawdown and more dividend focus (including dividends).
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@Lethetrendbeyourfriend I completely understand the 70 stocks, that's not a small number either. I would rather go towards 30 different stocks, which I think is still possible, actually take established moat dividend stocks and also pillow over them via a savings plan, that's the plan.
What bothers me about the ETFs are the many other stocks below the TOP10, which tend to be "dead" stocks, have hardly any growth or hardly carry any weight....
What bothers me about the ETFs are the many other stocks below the TOP10, which tend to be "dead" stocks, have hardly any growth or hardly carry any weight....
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@BockaufDividenden I had exactly the same background thought, what about the 80% low weighted stocks.
But the average return and the automatic rebalancing were more important to me.
When do I know which securities I should invest in and when, but if other securities develop momentum on the left and right, I just get annoyed, so I reduce and let the ETF provider decide, accepting the healthy average in return.
But the average return and the automatic rebalancing were more important to me.
When do I know which securities I should invest in and when, but if other securities develop momentum on the left and right, I just get annoyed, so I reduce and let the ETF provider decide, accepting the healthy average in return.
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•@Lethetrendbeyourfriend Yes, that's really the crux of the matter, when is something super good, I think you have to buy something on your watchlist when the price is falling or something and accumulate more cash. I would just like to build up positions like Helmut Jonen and simply not touch any more but just collect dividends.
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•@BockaufDividenden I think everyone would like that, but his income is and probably was significantly higher than mine 😅.
I keep the 25-50% savings rate and let it run. Increase income and adjust savings rate, the fruits will come. 🤝
I keep the 25-50% savings rate and let it run. Increase income and adjust savings rate, the fruits will come. 🤝
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•@Lethetrendbeyourfriend Yes, his income was guaranteed to be good, he was also employed in the banking sector, but he started his main portfolio with an initial 30,000 DM from his father and then gradually invested it, like all of us here.
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5Mês
Sorry for cheekily joining in your conversation 😅 I can fully understand your thoughts and also decided on a total of 4 distributing ETFs at the beginning of 2024. I've been saving in these every month since then and gradually adding to all the other positions up to 2.5k per individual security.
I have around 40 individual stocks and I'm finding it difficult to part with them. The more money flows into these ETFs, the higher the running costs naturally become. In my early 30s, it's hard to imagine that this could become a major cost block in a few years' time. I also realize that the growth in distributions can hardly keep pace with the potential dividend growth of the individual stocks.
Do you share these concerns or do you see things completely differently? 🤔
I have around 40 individual stocks and I'm finding it difficult to part with them. The more money flows into these ETFs, the higher the running costs naturally become. In my early 30s, it's hard to imagine that this could become a major cost block in a few years' time. I also realize that the growth in distributions can hardly keep pace with the potential dividend growth of the individual stocks.
Do you share these concerns or do you see things completely differently? 🤔
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•@CopLui Good morning, on the contrary, I don't think it's cheeky at all to join in the conversation, rather you get even more insights into other ideas and opinions, which I only welcome!
1) So you mean the TER costs for ETFs? Shouldn't be that dramatic in my opinion if we consider the partial exemption of 30%, how do you see it?
2) As already written, I also wanted to save about 30 shares on the side and buy more if necessary in the event of a price setback, in addition to the ETFs
3) Somehow I also believe that dividend growth and price increases in the individual shares will definitely perform better than the pure ETF if you stay on the ball. (Which I try to do, or rather only established companies, many with moats)
4) I once asked ChatGPT for a detailed opinion using "deep search", where he refers to several sources and takes much longer for an answer, here is the initial question:
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Which dividend portfolio do you think is better? Portfolio 1:
1. WisdomTree Global Quality Dividend Growth UCITS ETF (Dist) ISIN: IE00BZ56RN96
2: Fidelity Global Quality Income ETF (Dist) ISIN: IE00BYXVGZ48
3. VanEck Morningstar Developed Markets Dividend Leaders ETF ISIN: NL0011683594
and comparison with portfolio 2:
1. iShares STOXX Global Select Dividend 100 (Dist) DE000A0F5UH1
2. iShares Dow Jones US Select Dividend (Dist) DE000A0D8Q49
3. iShares Fidelity Global Quality Income (Dist) IE00BYXVGZ48
4. iShares Core MSCI Europe (Dist) IE00B1YZSC51
5. vanEck Morningstar Developed Markets Dividend Leaders (Dist) NL0011683594
6. vanguard FTSE All-World High Dividend Yield (Dist) IE00B8GKDB10
Please tell me which portfolio 1 or 2 you think is better and why
--------------------------------------------------------------------------
Overall, from ChatGPT's point of view and my question or preferences, the conclusion was definitely depot 2....what do you think? Can an AI judge something like this well?
1) So you mean the TER costs for ETFs? Shouldn't be that dramatic in my opinion if we consider the partial exemption of 30%, how do you see it?
2) As already written, I also wanted to save about 30 shares on the side and buy more if necessary in the event of a price setback, in addition to the ETFs
3) Somehow I also believe that dividend growth and price increases in the individual shares will definitely perform better than the pure ETF if you stay on the ball. (Which I try to do, or rather only established companies, many with moats)
4) I once asked ChatGPT for a detailed opinion using "deep search", where he refers to several sources and takes much longer for an answer, here is the initial question:
--------------------------------------------------------------------------
Which dividend portfolio do you think is better? Portfolio 1:
1. WisdomTree Global Quality Dividend Growth UCITS ETF (Dist) ISIN: IE00BZ56RN96
2: Fidelity Global Quality Income ETF (Dist) ISIN: IE00BYXVGZ48
3. VanEck Morningstar Developed Markets Dividend Leaders ETF ISIN: NL0011683594
and comparison with portfolio 2:
1. iShares STOXX Global Select Dividend 100 (Dist) DE000A0F5UH1
2. iShares Dow Jones US Select Dividend (Dist) DE000A0D8Q49
3. iShares Fidelity Global Quality Income (Dist) IE00BYXVGZ48
4. iShares Core MSCI Europe (Dist) IE00B1YZSC51
5. vanEck Morningstar Developed Markets Dividend Leaders (Dist) NL0011683594
6. vanguard FTSE All-World High Dividend Yield (Dist) IE00B8GKDB10
Please tell me which portfolio 1 or 2 you think is better and why
--------------------------------------------------------------------------
Overall, from ChatGPT's point of view and my question or preferences, the conclusion was definitely depot 2....what do you think? Can an AI judge something like this well?
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5Mês
You never know, so it's better to throw a "sorry" into the room first.
1) That's right, you're absolutely right. I hadn't considered the partial exemption. The four ETFs I selected have an average TER of 0.45%, so I got a bit hung up on this figure. I am already assuming that the total amount of these investments will sooner or later be in the 6-digit range.
2) That sounds pretty good, and I'd like to keep doing that. Only with 40 instead of your 30 values 😉
3) That's exactly what I mean. When I compare the performance, the personal dividend yields of the individual stocks are already significantly higher than those of the ETFs. And of course I stick to well-known blue chips with a moat as far as possible.
4) In this respect, I am actually at a loss. I think you can get a good assessment. Especially when it comes to such topics, as there are countless opinions and analyses on the Internet. As far as I know, however, ChatGPT forms its own "meta-studies" in such a case, i.e. it basically reflects the opinion in whose direction the majority of the results point.
1) That's right, you're absolutely right. I hadn't considered the partial exemption. The four ETFs I selected have an average TER of 0.45%, so I got a bit hung up on this figure. I am already assuming that the total amount of these investments will sooner or later be in the 6-digit range.
2) That sounds pretty good, and I'd like to keep doing that. Only with 40 instead of your 30 values 😉
3) That's exactly what I mean. When I compare the performance, the personal dividend yields of the individual stocks are already significantly higher than those of the ETFs. And of course I stick to well-known blue chips with a moat as far as possible.
4) In this respect, I am actually at a loss. I think you can get a good assessment. Especially when it comes to such topics, as there are countless opinions and analyses on the Internet. As far as I know, however, ChatGPT forms its own "meta-studies" in such a case, i.e. it basically reflects the opinion in whose direction the majority of the results point.
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