4D·

My pensioner custody account

I left another phase of my life behind me at the end of 2024 and am now a pensioner. For twelve years I only had the $HVJD (+0.18%) and two DWS funds, the latter were sold in 2022 (because they were too expensive at 2.5%) and the proceeds were used to buy shares and ETFs for my new

for my new TR portfolio. It was only last year that I switched this new portfolio to dividend payers. I am currently letting these feed themselves with 1600 euros a month (as savings plans). I use the remaining dividends to buy additional shares in the event of a setback or to supplement my actual pension. There is certainly still a lot to optimize in this portfolio. For example, I'm going to get rid of the last non-dividend payers and allocate the proceeds to dividend ETFs. Are there any other suggestions?

51Positions

€566,946.55

11.01%

121

53 Comments

Rmann@Epi

Very nice! Lots of savings, solid investments - now the fruits are being harvested!

As this side of the investment (pension phase) is still rarely discussed, I feel somewhat underinformed. I'm wondering what the perfect (for my profile) de-savings strategy is and what impact it has on my strategy in the savings phase. Unfortunately, there is a lot of superficial and incorrect information online.

I have sooo many questions for someone who is currently in this situation... 🤷

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Maximilian@Max095

Respect! The best example that you don't have to sell your shares in old age to live off them. 🔥

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Tenbagger2024@Tenbagger2024

Congratulations and glad you made it. I think that the 40000 € is already a decent pension. However, if you don't need that much money as a pension, then I would rather continue to focus on performance and growth and perhaps also create a small growth portfolio.

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Horsti@Horstiiii

Really great depot. I'm working towards one of those too. 😄.
Will the 40,000 euros net dividend for 2025 fit?

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Gomerdoc@Gomerdoc

There are so many shares in there that I would have a huge stomachache. $SZG, for example. Dividends are not everything. One mistake that is often overlooked is that a dividend yield of 1.5%, for example, may look lower than that of Salzgitter: but Salzgitter is a company that you have to be happy if it still exists next week. In any case, it can't plan for price gains. And that is its problem: the 2.xy% dividend yield always relates to the current share price. If the share price falls: there is usually less absolute dividend, and even if the share price does not rise: the "personal dividend yield" (and that is what really counts!) does not change.
Conversely, a stock that pays an average dividend yield of 1.5% and demonstrably increases its dividend yield continuously in percentage terms, but whose share price grows by 15% per year: has a personal dividend yield on the *invested capital* of significantly more than 1.5% in year two or three! Ultimately, you always have to look at the dividend paid out per share in relation to what you yourself paid for this one share at some point. And only the price gains provide this leverage.
Let me put it this way: my personal dividend yield of $MCD (first purchase date: 1985, if you have access to these long-term charts) is something I would rather not share publicly here....☺️

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Silas@Bein-Godik

What will you do with the Arero $HVJD in the future? I also have 305 pieces since 2018 and keep thinking about selling them

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Aktienmasseur@Aktienmasseur

Did you make a conscious decision in favor of dividends back then? And dealt with the tax disadvantages?

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Floriano@FlorianoPerlini

I think I would have simply invested in it if I were you:

1. Vanguard FTSE All World - Mar, Jun, Sep, Dec

2. Global X Nasdaq 100 Covered Call - every month

3. HSBC Multifactor Worldwide - Jan, Apr, Jun, Oct

4. optional: Fidelity Global Quality Income - Feb, May, Aug, Nov

5. optional: Emerging Markets Bonds

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Peter@Beeferking76

@Lawikhan Congratulations, nice income PF!
I would also use $JEGP for $JEPQ, I don't know if you can also trade $PBDC or $PFFA, both are very suitable if you like distributions.
Otherwise I also like $RITM and $VICI, and many covered call ETFs, some of which do without upside.
GLTA

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Peter@PJ1989

How satisfied are you with your two covered call ETFs?

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